<SEC-DOCUMENT>0001552781-20-000520.txt : 20201009
<SEC-HEADER>0001552781-20-000520.hdr.sgml : 20201009
<ACCEPTANCE-DATETIME>20201009160140
ACCESSION NUMBER:		0001552781-20-000520
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20201009
DATE AS OF CHANGE:		20201009

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Origin Bancorp, Inc.
		CENTRAL INDEX KEY:			0001516912
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				721192928
		STATE OF INCORPORATION:			LA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-234068
		FILM NUMBER:		201233213

	BUSINESS ADDRESS:	
		STREET 1:		500 S SERVICE ROAD EAST
		CITY:			RUSTON
		STATE:			LA
		ZIP:			71270
		BUSINESS PHONE:		318-242-7500

	MAIL ADDRESS:	
		STREET 1:		500 S SERVICE ROAD EAST
		CITY:			RUSTON
		STATE:			LA
		ZIP:			71270

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Origin Bancorp, Inc. Attn: Chase Anderson
		DATE OF NAME CHANGE:	20180912

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Origin Bancorp, Inc.
		DATE OF NAME CHANGE:	20161017

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Community Trust Financial Corp
		DATE OF NAME CHANGE:	20110329
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>e20539_obnk-424b5.htm
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><FONT STYLE="font-size: 10pt"><B>Filed Pursuant
to Rule 424(b)(5)</B></FONT><BR>
<FONT STYLE="font-size: 10pt"><B>Registration Statement No. 333-234068</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>CALCULATION
OF REGISTRATION FEE</B></FONT></P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD NOWRAP STYLE="width: 40%; border-top: black 2.5pt double; border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 8.65pt; text-align: center; vertical-align: bottom; text-indent: -8.65pt"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Title
                                         of Each Class of</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Securities
        to be Registered</B></FONT></P></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: black 2.5pt double; border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><B>Amount
    to be</B></FONT><BR>
    <FONT STYLE="font-size: 10pt"><B>Registered</B></FONT></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: black 2.5pt double; border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; vertical-align: bottom"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>&nbsp;</B></FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B>Maximum
        </B></FONT><BR>
        <FONT STYLE="font-size: 10pt"><B>Offering</B> <B>Price </B></FONT><BR>
        <FONT STYLE="font-size: 10pt"><B>per Unit</B></FONT></P></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: black 2.5pt double; border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><B>Maximum
    </B></FONT><BR>
    <FONT STYLE="font-size: 10pt"><B>Aggregate</B></FONT><BR>
    <FONT STYLE="font-size: 10pt"> <B>Offering Price</B></FONT></TD>
    <TD NOWRAP STYLE="width: 15%; border-top: black 2.5pt double; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; vertical-align: bottom"><FONT STYLE="font-size: 10pt"><B>Amount
    of </B></FONT><BR>
    <FONT STYLE="font-size: 10pt"><B>Registration Fee<SUP>(1)</SUP></B></FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 8.65pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">4.50%
    Fixed-to-Floating Rate Subordinated Notes due 2030</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">$80,000,000</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">100%</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">$80,000,000</FONT></TD>
    <TD STYLE="border-bottom: black 1pt solid; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">$8,728.00</FONT></TD></TR>
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="border-right: black 1pt solid; border-bottom: black 2.5pt double; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 8.65pt; text-align: left; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt"><B>Total</B></FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-right: black 1pt solid; border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; font: 10pt Times New Roman, Times, Serif; padding-top: 0.05pt; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>$8,728.00</B></FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><SUP>&nbsp;</SUP></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 17.3pt; text-align: left"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD><FONT STYLE="font-size: 10pt">Calculated
                                         in accordance with Rule 456(b) and Rule 457(r) of the Securities Act of 1933, as amended.</FONT></TD>
</TR></TABLE>





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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"><B>PROSPECTUS SUPPLEMENT</B></FONT><BR>
<FONT STYLE="font-size: 10pt">(to prospectus dated October 3, 2019)</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; text-align: center; margin-bottom: 10pt"><FONT STYLE="font-size: 10pt"><IMG SRC="i20528002.jpg" ALT="(LOGO)">&nbsp;<B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 14pt"><B>$80,000,000</B></FONT><B><FONT STYLE="font-size: 10pt">&nbsp;</FONT></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0"><FONT STYLE="font-size: 14pt"><B>4.50%
</B></FONT><B><FONT STYLE="font-size: 14pt">Fixed-to-Floating Rate Subordinated Notes due 2030</FONT></B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt">Origin
Bancorp, Inc. (&ldquo;we&rdquo; or &ldquo;our&rdquo;) is offering $80,000,000 aggregate principal amount of our 4.50%
fixed-to-floating rate subordinated notes due 2030, which we refer to herein as the &ldquo;notes.&rdquo; The notes will rank equally
in right of payment with any of our current or future unsecured subordinated debt.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt">The notes
will mature on November 1, 2030. From and including the date of issuance to, but excluding, November 1, 2025 (unless
redeemed prior to such date), the notes will bear interest at a rate of 4.50% per annum, payable semi-annually in arrears
on May 1 and November 1 of each year, commencing on May 1, 2021. From and including November 1, 2025
to, but excluding, the maturity date (unless redeemed prior to such date), the notes will bear a floating interest rate equal
to the Benchmark (which is expected to be Three-Month Term SOFR) (each defined and subject to the provisions described under &ldquo;Description
of the Notes&mdash;Payment of Principal and Interest&rdquo; in this prospectus supplement), reset for each Floating Rate Interest
Period (as defined in &ldquo;Description of the Notes&mdash;Payment of Principal and Interest&rdquo;), plus 432 basis points,
payable quarterly in arrears on February 1, May 1, August 1 and November 1 of each year, commencing on February 1,
2026. Notwithstanding the foregoing, if the Benchmark is less than zero, then the Benchmark shall be deemed to be zero.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt">We may
redeem the notes, at our sole option, beginning with the interest payment date of November 1, 2025 and on any interest
payment date thereafter, in whole or in part, at a redemption price equal to 100% of the principal amount of the notes to be redeemed,
plus accrued and unpaid interest to, but excluding, the date of redemption, subject to prior approval of the Board of Governors
of the Federal Reserve System (the &ldquo;Federal Reserve&rdquo;), to the extent that such approval is then required under the
rules of the Federal Reserve. The notes may not otherwise be redeemed by us prior to the scheduled maturity of the notes, unless
certain events occur, as described under &ldquo;Description of the Notes&mdash;Optional Redemption and Redemption Upon Special
Events&rdquo; in this prospectus supplement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt">The notes
will be unsecured obligations of ours and will be subordinated in right of payment to all our existing and future senior indebtedness
(as defined in our subordinated debt indenture and supplemental indenture under which the notes are to be issued and described
under &ldquo;Description of the Notes&mdash;Subordination of the Notes&rdquo; in this prospectus supplement), whether secured
or unsecured. There is no sinking fund for the notes. The notes will not be convertible or exchangeable. Because Origin Bancorp,
Inc. is a holding company, our cash flows, and, consequently, our ability to pay and discharge our obligations, including the
principal of, and interest on, our debt securities, is dependent on dividends, distributions and other payments made to us by
our subsidiaries, primarily our wholly-owned subsidiary, Origin Bank, which is a commercial bank chartered under the laws of the
State of Louisiana and a member of the Federal Reserve System, and funds we obtain from our corporate borrowings or sales of our
securities. Our right to receive any payments or distribution of cash or assets from our subsidiaries upon their liquidation or
reorganization, and the consequent right of the holders of our debt securities to participate in the proceeds of those payments
or distributions, are effectively subordinated to all of the existing and future indebtedness, deposits and other liabilities
of Origin Bank and our other current and future subsidiaries, including, without limitation, Origin Bank&rsquo;s liabilities to
depositors, its liabilities to general creditors and its liabilities arising during the ordinary course or otherwise. The notes
are obligations of Origin Bancorp, Inc. only and are not obligations of, and are not guaranteed by, any of our subsidiaries, including
Origin Bank. The notes will not be listed on any securities exchange or included in any automated dealer quotation system.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B>Investing
in the notes involves certain risks. Before investing in the notes, you should consider the information under the heading &ldquo;Risk
Factors&rdquo; beginning on page S-10 of this prospectus supplement, and under the heading &ldquo;Part I. Item 1A.
Risk Factors&rdquo; in our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000020/a12312019obnkannualrep.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the year ended December 31, 2019, and under the heading &ldquo;Part
II. Item 1A. Risk Factors&rdquo; in our Quarterly Reports on Form&nbsp;10-Q for the quarters ended <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000046/a03312020obnkquarterly.htm" STYLE="-sec-extract: exhibit">March 31, 2020</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000083/obnk-20200630.htm" STYLE="-sec-extract: exhibit">June 30,
2020</A>, which are incorporated herein by reference.</B></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" ALIGN="CENTER" STYLE="border-collapse: collapse; width: 80%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">Per
    Note</FONT></TD><TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">Total</FONT></TD><TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="width: 74%; text-align: left; text-indent: -4.5pt; padding-left: 4.5pt"><FONT STYLE="font-size: 10pt">Public offering
    price<SUP>(1)</SUP>&#9;</FONT></TD><TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="width: 8%; text-align: right">100</TD><TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">80,000,000</FONT></TD><TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -4.5pt; padding-left: 4.5pt"><FONT STYLE="font-size: 10pt">Underwriting discount<SUP>(2)</SUP>&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1.5</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right">1,200,000</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -4.5pt; padding-left: 4.5pt"><FONT STYLE="font-size: 10pt">Proceeds, before expenses,
    to Origin Bancorp, Inc.&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">98.5</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right">78,800,000</TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"></FONT></P>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 27pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(1)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Plus
                                         accrued interest, if any, from the original issue date.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 6pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 27pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">(2)</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The
                                         underwriters will also be reimbursed for certain expenses incurred in this offering.
                                         See &ldquo;Underwriting&rdquo; for details.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B>None
of the Securities and Exchange Commission, the Federal Deposit Insurance Corporation (the &ldquo;FDIC&rdquo;), the Federal Reserve,
any state securities commission nor any other regulatory body has approved or disapproved of the notes or determined if this prospectus
supplement or the accompanying prospectus is truthful or complete. Any representation to the contrary is a criminal offense. </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: .5in"><FONT STYLE="font-size: 10pt"><B>The notes
are not savings accounts, deposits or other obligations of any bank and are not insured or guaranteed by the FDIC or any other
governmental agency.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: .5in"><FONT STYLE="font-size: 10pt">The underwriters
expect to deliver the notes in book-entry form only through the facilities of The Depository Trust Company and its participants
against payment therefor in immediately available funds on or about October 16, 2020, which is the fifth business day following
the date of pricing of the notes (such settlement being referred to as &ldquo;T+5&rdquo;). See &ldquo;Underwriting&rdquo; in this
prospectus supplement for details.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 14pt"><I>Sole
Book-Running Manager</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>Stephens
Inc.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>Prospectus
Supplement dated October 8, 2020</B></FONT></P>


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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 95%; text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b001">ABOUT THIS PROSPECTUS SUPPLEMENT AND THE ACCOMPANYING PROSPECTUS</A></TD>
    <TD STYLE="width: 5%; text-align: right">S-ii</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b002">WHERE YOU CAN FIND MORE INFORMATION</A></TD>
    <TD STYLE="text-align: right">S-iii</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b003">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</A></TD>
    <TD STYLE="text-align: right">S-iv</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b004">SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS</A></TD>
    <TD STYLE="text-align: right">S-v</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b005">PROSPECTUS SUPPLEMENT SUMMARY</A></TD>
    <TD STYLE="text-align: right">S-1</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b006">THE OFFERING</A></TD>
    <TD STYLE="text-align: right">S-2</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b007">SELECTED FINANCIAL INFORMATION</A></TD>
    <TD STYLE="text-align: right">S-7</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b008">RISK FACTORS</A></TD>
    <TD STYLE="text-align: right">S-10</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b009">USE OF PROCEEDS</A></TD>
    <TD STYLE="text-align: right">S-19</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><A HREF="#i20528b010">CAPITALIZATION</A></TD>
    <TD STYLE="text-align: right"> S-20</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b011">DESCRIPTION OF THE NOTES</A></TD>
    <TD STYLE="text-align: right">S-21</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b012">MATERIAL UNITED STATES FEDERAL INCOME TAX CONSIDERATIONS</A></TD>
    <TD STYLE="text-align: right">S-38</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b013">BENEFIT PLAN/ERISA CONSIDERATIONS</A></TD>
    <TD STYLE="text-align: right">S-44</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><A HREF="#i20528b014">UNDERWRITING</A></TD>
    <TD STYLE="text-align: right"> S-46</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: left; text-indent: -0.25in; padding-left: 0.25in"><A HREF="#i20528b015">LEGAL MATTERS</A></TD>
    <TD STYLE="text-align: right">S-49</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD><A HREF="#i20528b016">EXPERTS</A></TD>
    <TD STYLE="text-align: right"> S-49</TD></TR>
</TABLE>




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

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


<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 97%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt; text-transform: uppercase">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt; text-transform: uppercase">&nbsp;</FONT></td>
    <TD NOWRAP STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif"><B><U>Page</U></B></FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a001"><FONT STYLE="font-family: inherit,serif">About
    this Prospectus</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">1</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a002"><FONT STYLE="font-family: inherit,serif">Where
    You Can Find More Information</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">2</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a003"><FONT STYLE="font-family: inherit,serif">Forward-Looking
    Statements</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">3</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a004"><FONT STYLE="font-family: inherit,serif">The
    Company</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">5</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a005"><FONT STYLE="font-family: inherit,serif">Risk
    Factors</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">6</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a006"><FONT STYLE="font-family: inherit,serif">Use
    of Proceeds</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">7</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a007"><FONT STYLE="font-family: inherit,serif">Description
    of Securities We May Offer</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">8</td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a008"><FONT STYLE="font-family: inherit,serif">Description
    of Common Stock</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">9</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a009"><FONT STYLE="font-family: inherit,serif">Description
    of Preferred Stock</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">11</td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a010"><FONT STYLE="font-family: inherit,serif">Description
    of Debt Securities</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">13</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a011"><FONT STYLE="font-family: inherit,serif">Description
    of Depositary Shares</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">25</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a012"><FONT STYLE="font-family: inherit,serif">Description
    of Warrants</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">28</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a013"><FONT STYLE="font-family: inherit,serif">Description
    of Purchase Contracts and Purchase Units</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">30</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a014"><FONT STYLE="font-family: inherit,serif">Description
    of Subscription Rights</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">31</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a015"><FONT STYLE="font-family: inherit,serif">Description
    of Units</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">32</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a016"><FONT STYLE="font-family: inherit,serif">Plan
    of Distribution</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">33</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a017"><FONT STYLE="font-family: inherit,serif">Legal
    Matters</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">36</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt; text-transform: uppercase"><A HREF="#i20528a018"><FONT STYLE="font-family: inherit,serif">Experts</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">36</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b001"></A>ABOUT
THIS PROSPECTUS SUPPLEMENT AND THE ACCOMPANYING PROSPECTUS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This
document is comprised of two parts. The first part is this prospectus supplement, which describes the specific terms of this
offering, the notes and certain other matters relating to us and our financial condition. This prospectus supplement also
adds to and updates information contained in the accompanying prospectus and the documents incorporated by reference into
this prospectus supplement and the accompanying prospectus. The second part of this document is the accompanying prospectus,
dated October 3, 2019, which is included as part of our automatic shelf registration statement on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000071/obnks-3asrx2019.htm" STYLE="-sec-extract: exhibit">Form S-3</A> (File No.
333-234068). That registration statement and the accompanying prospectus provide more general information about securities
that we and any selling security holder may offer from time to time, some of which may not apply to this offering. It is
important for you to read and consider carefully all information contained or incorporated by reference in this prospectus
supplement, the accompanying prospectus and any permitted free writing prospectuses we have authorized for use with respect
to this offering before investing in the notes. See &ldquo;Where You Can Find More Information&rdquo; and
&ldquo;Incorporation of Certain Documents by Reference&rdquo; for additional information.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This prospectus
supplement, or the information incorporated by reference in this prospectus supplement, may add, update or change information
in the accompanying prospectus. If any information in this prospectus supplement is inconsistent with the accompanying prospectus,
or any document incorporated by reference into this prospectus supplement or the accompanying prospectus, then you should rely
on the information in this prospectus supplement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In various
places in this prospectus supplement and the accompanying prospectus, we refer you to sections of other documents for additional
information by indicating the caption heading of the other sections. All cross-references in this prospectus supplement are to
captions contained in this prospectus supplement and not in the accompanying prospectus, unless otherwise indicated.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless
otherwise indicated or unless the context requires otherwise, all references in this prospectus supplement and the accompanying
prospectus to &ldquo;Origin Bancorp, Inc.,&rdquo; &ldquo;Origin,&rdquo; the &ldquo;Company,&rdquo; &ldquo;our Company,&rdquo;
&ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo; and &ldquo;ours&rdquo; or similar references mean Origin Bancorp, Inc. and
its consolidated subsidiaries.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
the Company nor the underwriters have authorized anyone to provide you with any information other than that contained or incorporated
by reference in this prospectus supplement, the accompanying prospectus or in any free writing prospectus prepared by or on behalf
of, the Company, or to which the Company has referred you. Neither the Company nor the underwriters take any responsibility for,
or can provide any assurance as to the reliability of, any information that others may give you. You should not assume that the
information provided in this prospectus supplement, the accompanying prospectus or the documents incorporated by reference in
this prospectus supplement and in the accompanying prospectus is accurate as of any date other than the date of this prospectus
supplement or the date of the document in which that information is contained. Our business, financial condition, liquidity, results
of operations and prospects may have changed since the date of any document in which such information is contained.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
the Company nor the underwriters are offering to sell nor seeking an offer to buy the notes in any jurisdiction where such offers
and sales are not permitted. The distribution of this prospectus supplement and the accompanying prospectus and the offering of
the notes in certain jurisdictions may be restricted by law. Persons outside the United States who come into possession of this
prospectus supplement and the accompanying prospectus must inform themselves about and observe any restrictions relating to the
offering of the notes and the distribution of this prospectus supplement and the accompanying prospectus outside the United States.
This prospectus supplement and the accompanying prospectus do not constitute, and may not be used for or in connection with, an
offer or solicitation by any person in any jurisdiction in which such offer or solicitation is not authorized or in which the
person making such offer or solicitation is not authorized or is not qualified to do so or to any person to whom it is unlawful
to make such offer or solicitation, and this prospectus supplement and the accompanying prospectus may not be delivered to any
person to whom it is unlawful to make such offer or solicitation. See &ldquo;Underwriting&rdquo; in this prospectus supplement.</FONT></P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b002"></A>WHERE
YOU CAN FIND MORE INFORMATION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We file
annual, quarterly and current reports, proxy statements and other information with the United States Securities and Exchange Commission
(the &ldquo;SEC&rdquo;). Our filings with the SEC are available to the public through the SEC&rsquo;s website at www.sec.gov.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our annual,
quarterly and current reports and any amendments to those reports are also available over the Internet at our website at www.origin.bank.
All internet addresses provided in this prospectus supplement or in the accompanying prospectus are for informational purposes
only and are not intended to be hyperlinks. In addition, the information on, or accessible through, our website, or any other
website described herein, is not a part of, and is not incorporated or deemed to be incorporated by reference in, this prospectus
supplement or the accompanying prospectus or other offering materials.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We have
filed an automatic shelf registration statement on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000071/obnks-3asrx2019.htm" STYLE="-sec-extract: exhibit">Form S-3</A> (File No. 333-234068) with the SEC registering the offering of various
of our securities, including the notes offered by this prospectus supplement and the accompanying prospectus. This prospectus
supplement and the accompanying prospectus are part of that registration statement. The registration statement may contain additional
information that may be important to you. You may obtain from the SEC copies of the registration statement and the related exhibits
that we filed with the SEC.</FONT></P>


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b003"></A>INCORPORATION
OF CERTAIN DOCUMENTS BY REFERENCE</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The SEC&rsquo;s
rules allow us to incorporate by reference information into this prospectus supplement and the accompanying prospectus. This means
that we can disclose important information to you by referring you to another document. Any information incorporated by reference
into this prospectus supplement and the accompanying prospectus is considered a part of the information contained herein and therein.
We are incorporating by reference in this prospectus supplement, and have incorporated by reference in the accompanying prospectus,
the documents listed below, which we have already filed with the SEC, and any future filings we make with the SEC under Sections
13(a), 13(c), 14 or 15(d) of the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange Act&rdquo;), except in each
case as to any portion of any report or document that is deemed furnished to the SEC and not deemed filed under such provisions:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">our
                                         Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000020/a12312019obnkannualrep.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the fiscal year ended December 31, 2019, filed with the
                                         SEC on February 28, 2020 and, with respect to Part III thereof, as updated by the information
                                         contained in our definitive Proxy Statement on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000155278120000173/e20126_obnk-def14a.htm" STYLE="-sec-extract: exhibit">Schedule 14A</A>, filed with the SEC on March
                                         9, 2020;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">our
                                         Quarterly Reports on Form&nbsp;10-Q for the quarters ended <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000046/a03312020obnkquarterly.htm" STYLE="-sec-extract: exhibit">March 31, 2020</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000083/obnk-20200630.htm" STYLE="-sec-extract: exhibit">June 30,
                                         2020</A>, filed with the SEC on May 6, 2020 and August 10, 2020, respectively; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">our
                                         Current Reports on Form 8-K, filed with the SEC on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000008/a12312019earningsrelease8-k.htm" STYLE="-sec-extract: exhibit">January 22, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000015/a8-kxprojfuel.htm" STYLE="-sec-extract: exhibit">February 6, 2020</A>,
                                         <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000038/a03312020earningsrelea.htm" STYLE="-sec-extract: exhibit">April 22, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000041/a8-k2020annualmeetingr.htm" STYLE="-sec-extract: exhibit">April 28, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000077/a06302020earningsrelea.htm" STYLE="-sec-extract: exhibit">July 22, 2020</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000155278120000510/e20531_obnk-8k.htm" STYLE="-sec-extract: exhibit">October 7, 2020</A>.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The information
contained in this prospectus supplement and the accompanying prospectus will be updated and supplemented by the information contained
in the filings we make with the SEC in the future and that are incorporated by reference into this prospectus supplement and the
accompanying prospectus as described above. The information contained in those future filings will be considered to be part of
this prospectus supplement and the accompanying prospectus and will automatically update and supersede, as appropriate, the information
contained in this prospectus supplement and the accompanying prospectus and contained in the filings previously filed with the
SEC that are incorporated by reference into this prospectus supplement and the accompanying prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Upon written
or oral request, we will provide, without charge, to each person to whom a copy of this prospectus supplement and the accompanying
prospectus is delivered a copy of the documents incorporated by reference into this prospectus supplement and the accompanying
prospectus. You may request a free copy of these filings by writing or telephoning us at the following address:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt">Origin Bancorp,
Inc.<BR>
Attention: Investor Relations<BR>
500 South Service Road East</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt">Ruston, Louisiana
71270<BR>
Telephone: (318) 497-3177<BR>
</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b004"></A>SPECIAL
NOTE REGARDING FORWARD-LOOKING STATEMENTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This prospectus
supplement, the accompanying prospectus, and the documents incorporated by reference herein include &ldquo;forward-looking statements&rdquo;
within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of
1934, as amended. Statements preceded by, followed by or that otherwise include the words &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo;
&ldquo;estimates,&rdquo; &ldquo;expects,&rdquo; &ldquo;foresees,&rdquo; &ldquo;intends,&rdquo; &ldquo;plans,&rdquo; &ldquo;projects&rdquo;
and similar expressions or future or conditional verbs such as &ldquo;could,&rdquo; &ldquo;may,&rdquo; &ldquo;might,&rdquo; &ldquo;should,&rdquo;
&ldquo;will,&rdquo; and &ldquo;would,&rdquo; or variations or negatives of such terms are generally forward-looking in nature and
not historical facts, although not all forward-looking statements include the foregoing words. Forward-looking statements are
not historical facts, and are based on current expectations, estimates and projections about our industry, management&rsquo;s beliefs
and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly,
we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions
and uncertainties that are difficult to predict. Although we believe that the expectations reflected in our forward-looking statements
are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied
by the forward-looking statements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">There
are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking
statements, including, but not limited to, the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
                                         duration and impacts of the novel coronavirus (&ldquo;COVID-19&rdquo;) pandemic and efforts
                                         to contain its transmission, including the effect of these factors on our business, customers
                                         and economic conditions generally, as well as the impact of the actions taken by governmental
                                         authorities to address the impact of COVID-19 on the United States economy, including,
                                         without limitation, the Coronavirus Aid, Relief and Economic Security Act;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">deterioration
                                         of our asset quality;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">factors
                                         that can impact the performance of our loan portfolio, including real estate values and
                                         liquidity in our primary market areas, the financial health of our commercial borrowers
                                         and the success of construction projects that we finance, including any loans acquired
                                         in acquisition transactions;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">changes
                                         in the value of collateral securing our loans;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">our
                                         ability to anticipate interest rate changes and manage interest rate risk;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
                                         effectiveness of our risk management framework and quantitative models;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">our
                                         inability to receive dividends from our bank subsidiary and to service debt, pay dividends
                                         to our common stockholders, repurchase our shares of common stock and satisfy obligations
                                         as they become due;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">business
                                         and economic conditions generally and in the financial services industry, nationally
                                         and within our local market areas;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">changes
                                         in our operation or expansion strategy or our ability to prudently manage our growth
                                         and execute our strategy;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">changes
                                         in management personnel;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">our
                                         ability to maintain important deposit customer relationships, our reputation or otherwise
                                         avoid liquidity risks;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">increasing
                                         costs as we grow deposits; </FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">operational
                                         risks associated with our business;</FONT></TD></TR></TABLE>
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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">volatility
                                         and direction of market interest rates;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">increased
                                         competition in the financial services industry, particularly from regional and national
                                         institutions; </FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">our
                                         level of nonperforming assets and the costs associated with resolving any problem loans,
                                         including litigation and other costs;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">our
                                         ability to comply with applicable capital and liquidity requirements, including our ability
                                         to generate liquidity internally or raise capital on favorable terms, including continued
                                         access to the debt and equity capital markets;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">changes
                                         in the utility of our non-GAAP liquidity measurements and their underlying assumptions
                                         or estimates;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">difficult
                                         market conditions and unfavorable economic trends in the United States generally, and
                                         particularly in the market areas in which Origin operates and in which its loans are
                                         concentrated;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">an
                                         increase in unemployment levels and slowdowns in economic growth;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the
                                         credit risk associated with the substantial amount of commercial real estate, construction
                                         and land development, and commercial loans in our loan portfolio;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">changes
                                         in the laws, rules, regulations, interpretations or policies relating to financial institutions,
                                         as well as tax, trade, monetary and fiscal matters;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">periodic
                                         changes to the extensive body of accounting rules and best practices may change the treatment
                                         and recognition of critical financial line items and affect our profitability;</FONT></TD></TR></TABLE>

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<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">further
                                         government intervention in the U.S. financial system;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">compliance
                                         with governmental and regulatory requirements, including the Dodd-Frank Wall Street Reform
                                         and Consumer Protection Act and others relating to banking, consumer protection, securities
                                         and tax matters;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">uncertainty
                                         regarding the future of the London Interbank Offered Rate and the impact of any replacement
                                         alternatives on our business;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">natural
                                         disasters and adverse weather events, acts of terrorism, an outbreak of hostilities,
                                         regional or national protests and civil unrest (including any resulting branch closures
                                         or property damage), widespread illness or public health outbreaks or other international
                                         or domestic calamities, and other matters beyond our control;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">system
                                         failures, cybersecurity threats and/or security breaches and the cost of defending against
                                         them; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">our
                                         ability to manage the risks involved in the foregoing.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Furthermore,
many of these risks and uncertainties are currently amplified by and may continue to be amplified by or may, in the future, be
amplified by, the COVID-19 pandemic, and the effectiveness of varying social, economic and governmental responses to the pandemic.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The foregoing
factors should not be construed as exhaustive. We urge you to consider all of these risks, uncertainties and other factors as
well as should be read together with those risks discussed in this prospectus supplement, in the accompanying prospectus and in
the documents incorporated herein by reference, including in our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000020/a12312019obnkannualrep.htm" STYLE="-sec-extract: exhibit">Form&nbsp;10-K</A> for the year ended December&nbsp;31,
2019, and Quarterly Reports on Form&nbsp;10-Q for the quarters ended <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000046/a03312020obnkquarterly.htm" STYLE="-sec-extract: exhibit">March 31, 2020</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000083/obnk-20200630.htm" STYLE="-sec-extract: exhibit">June 30, 2020</A>, carefully in evaluating
all such forward-looking statements made by us.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If one
or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect,
actual results may differ materially from what we anticipate. In addition, as a result of these and other factors, our past financial
performance should not be relied upon as an indication of future performance. Accordingly, you should not place undue reliance
on any forward-looking statements. Any forward-looking statement in this prospectus supplement, the accompanying prospectus or
in any report, filing, document or information incorporated by reference in this prospectus supplement or the accompanying prospectus
speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking
statement, whether as a result of new information, future developments or otherwise. New risks and uncertainties emerge from time
to time, and it is not possible for us to predict those events or how they may affect us. In addition, we cannot assess the impact
of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ
materially from those contained in any forward-looking statements. Therefore, we caution you not to place undue reliance on the
forward-looking statements contained in this prospectus supplement, the accompanying prospectus or in any report, filing, document
or information incorporated by reference herein or therein.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b005"></A>PROSPECTUS
SUPPLEMENT SUMMARY</FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
following summary provides a brief overview of certain information appearing elsewhere in this prospectus supplement and the documents
incorporated by reference herein, which are described under &ldquo;Incorporation of Certain Documents by Reference.&rdquo; Because
it is a summary, it does not contain all the information that may be important to you. Before making an investment decision, you
should read this entire prospectus supplement and the accompanying prospectus carefully, including the section titled &ldquo;Risk
Factors&rdquo; in this prospectus supplement, and the documents incorporated by reference herein and in the accompanying prospectus,
including the financial statements and the accompanying notes contained in such documents.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Origin Bancorp, Inc.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Origin
is a financial holding company headquartered in Ruston, Louisiana. Our wholly-owned bank subsidiary, Origin Bank, was founded
in 1912. Deeply rooted in our history is a culture committed to providing personalized, relationship banking to our clients and
communities. We provide a broad range of financial services to businesses, municipalities, high net worth individuals and retail
clients. We currently operate 43 banking centers located from Dallas/Fort Worth, Texas across North Louisiana to Central Mississippi,
as well as in Houston, Texas. As of June 30, 2020, we had total assets of $6.6 billion, total loans held for investment of $5.3
billion, total deposits of $5.4 billion and total stockholders&rsquo; equity of $614.8 million.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our principal
executive offices are located at 500 South Service Road East Ruston, Louisiana 71270, and our telephone number is (318) 255-2222
and our website at https://ir.origin.bank. Information contained on our website is not incorporated by reference in this prospectus
supplement. Our common stock is listed on the Nasdaq Global Select Market under the symbol &ldquo;OBNK.&rdquo; Additional information
about us and our subsidiaries may be found in the documents incorporated by reference into this prospectus. See &ldquo;Where You
Can Find More Information.&rdquo;</FONT></P>

</div>
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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b006"></A>THE
OFFERING</FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
following summary of this offering contains basic information about this offering and the terms of the notes and is not intended
to be complete. It does not contain all the information that is important to you. For a description of the notes, please refer
to the section of this prospectus supplement titled &ldquo;Description of the Notes&rdquo; and the section of the accompanying
prospectus titled &ldquo;Description of Debt Securities.&rdquo; To understand all of the terms and conditions of the offering
and the notes, you should carefully read this prospectus supplement, as well as the accompanying prospectus and the documents
incorporated by reference that are described under &ldquo;Incorporation of Certain Documents by Reference.&rdquo; We will issue
the notes under a Subordinated Debt Indenture between Origin Bancorp, Inc., as the issuer, and U.S. Bank National Association,
as trustee (the &ldquo;Base Indenture&rdquo;), as supplemented by a First Supplemental Indenture between Origin Bancorp, Inc.
and the trustee, each expected to be dated October 16, 2020 (the &ldquo;Supplemental Indenture&rdquo;). We refer
to the Base Indenture, as supplemented by the Supplemental Indenture, as the &ldquo;Indenture.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>For
the purposes of this section titled &ldquo;The Offering,&rdquo; all references to &ldquo;Origin Bancorp, Inc.,&rdquo; the &ldquo;Company,&rdquo;
&ldquo;our Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo; and &ldquo;ours&rdquo; or similar references
mean only Origin Bancorp, Inc. and not any of its subsidiaries.</I></FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 36%; padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Issuer</B></FONT></td>
    <TD STYLE="width: 64%; padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Origin
    Bancorp, Inc.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Securities
    Offered</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif">4.50% Fixed-to-Floating Rate Subordinated
    Notes due 2030.</td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Amount
    of Securities Offered</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">$80,000,000</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Maturity
    Date</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif">November 1, 2030.</td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Issue
    Price</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif">4.50% plus accrued interest, if any,
    from and including October 16, 2020.</td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Interest
    Rate</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The
                                         notes will bear interest: (i) from and including the date of issuance to, but excluding,
                                         November 1, 2025 (unless redeemed prior to such date), at a rate of 4.50%
                                         per annum and (ii) from and including November 1, 2025 to, but excluding, the
                                         maturity date (unless redeemed prior to such date), at a floating interest rate equal
                                         to the Benchmark (which is expected to be Three-Month Term SOFR), reset for each Floating
                                         Rate Interest Period during the Floating Rate Period (each as defined in &ldquo;Description
                                         of the Notes&rdquo;), plus 432 basis points. Notwithstanding the foregoing, if
                                         the Benchmark is less than zero, the Benchmark shall be deemed to be zero.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">For each Floating
        Rate Interest Period when the Benchmark is Three-Month Term SOFR, &ldquo;Three-Month Term SOFR&rdquo; means the rate for
        Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any Floating
        Rate Interest Period, as determined by the calculation agent after giving effect to the Three-Month Term SOFR Conventions
        (each as defined in &ldquo;Description of the Notes&rdquo;).</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt"><FONT STYLE="font-size: 10pt">If the calculation
agent determines on or prior to the relevant Reference Time that a Benchmark Transition Event and its related Benchmark Replacement
Date (each as defined in &ldquo;Description of the Notes&rdquo;) have occurred with respect to the then-current Benchmark (which
is initially expected to be Three-Month Term SOFR), then the provisions under &ldquo;Description of the Notes&mdash;Effect of
Benchmark Transition Event,&rdquo; which are referred to herein as</FONT></P></td></tr>
</TABLE>

<P STYLE="margin: 0"></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: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the benchmark
    transition provisions, will thereafter apply to all determinations of the interest rate on the notes for each Floating Rate
    Interest Period during the Floating Rate Period. In accordance with the benchmark transition provisions, after a Benchmark
    Transition Event and its related Benchmark Replacement Date have occurred, the interest rate on the notes for such interest
    period and all subsequent Floating Rate Interest Periods during the Floating Rate Period will be an annual rate equal to the
    Benchmark Replacement (as defined in &ldquo;Description of the Notes&rdquo;) plus 432 basis points.</FONT></TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif; width: 36%"><FONT STYLE="font-size: 10pt"><B>Interest
    Payment Dates</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif; width: 64%"><FONT STYLE="font-size: 10pt">During
    the Fixed Rate Period (as defined in &ldquo;Description of the Notes&rdquo;), interest will be payable semi-annually in arrears
    on May 1 and November 1 of each year, commencing May 1, 2021 and continuing through and including November
    1, 2025. Thereafter, during the Floating Rate Period, interest will be payable quarterly in arrears on each February
    1, May 1, August 1 and November 1 of each year, commencing on February 1, 2026 and continuing through and including
    the maturity date.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Record
    Dates</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The interest
    payable during on any scheduled Interest Payment Date (as defined in &ldquo;Description of the Notes&rdquo;) will be paid
    to each holder in whose name a note is registered at the close of business on the fifteenth day (whether or not a business
    day) immediately preceding the applicable Interest Payment Date.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Subordination;
    Ranking</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The notes will
    be unsecured, subordinated obligations of the Company and:</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt 0.5in; text-indent: -0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 10pt">will
    rank junior in right of payment and upon our liquidation to any of our existing and all future senior indebtedness (as defined
    in the Indenture and as discussed under &ldquo;Description of the Notes&mdash;Subordination of the Notes&rdquo; in this prospectus
    supplement), whether secured or unsecured, including any of our existing and future general creditors;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt 0.5in; text-indent: -0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 10pt">will
    rank equal in right of payment and upon our liquidation with all of our existing and future indebtedness the terms of which
    provide that such indebtedness is not by its terms subordinate and subject in right of payment to the prior payment of
    promissory notes, bonds, debentures and other types of indebtedness that include the notes;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt 0.5in; text-indent: -0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 10pt">will
    rank senior in right of payment and upon our liquidation to any of our indebtedness the terms of which provide that such indebtedness
    ranks junior in right of payment to promissory notes, bonds, debentures and other types of indebtedness that include the notes;
    and</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 0; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 0 0.5in; text-indent: -0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT><FONT STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-size: 10pt">will
    be effectively subordinated to all of the existing and future indebtedness, deposits and other liabilities of Origin Bank
    and our other current and future subsidiaries, including, without limitation, Origin Bank&rsquo;s liabilities to depositors,
    its liabilities to general creditors and its liabilities arising during the ordinary course or otherwise.</FONT></td></tr>
</TABLE>

<P STYLE="margin: 0"></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: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif; width: 36%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt; font: 10pt Times New Roman, Times, Serif; width: 64%"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt">As
of June 30, 2020, we did not have subordinated indebtedness outstanding ranking equally with the notes and we had $10.8 million
of subordinated indebtedness (which was comprised of our existing junior subordinated debentures underlying outstanding trust
preferred securities) outstanding ranking junior to the notes. We also have a $50 million senior revolving credit facility under
which no amount is drawn as of the date of this prospectus supplement, but if drawn such amount would constitute senior indebtedness.</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">As of June 30, 2020,
        Origin Bank and our other subsidiaries had outstanding indebtedness (including Origin Bank&rsquo;s outstanding 4.25% fixed-to-floating
        subordinated notes), total deposits and other liabilities of approximately $6.02 billion, excluding intercompany liabilities,
        all of which ranks structurally senior to the notes.</FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Because we
    are a holding company, our cash flows and, consequently, our ability to pay and discharge our obligations, including the principal
    of, and interest on, our debt securities (including the notes) depends on the dividends paid, and the distributions and other
    payments made, to us by our subsidiaries, and funds we obtain from our corporate borrowings or by selling our securities.&nbsp;&nbsp;Our
    right to receive any dividends or to receive any payments or distributions of cash or other assets from our subsidiaries upon
    their liquidation or reorganization, and the consequent right of the holders of the notes to participate in the proceeds of
    those dividends, payments or distributions, will be effectively subordinated to the claims of our subsidiaries&rsquo; respective
    creditors.&nbsp;&nbsp;For more information, see &ldquo;Description of the Notes&mdash;Subordination of the Notes&rdquo; in
    this prospectus supplement.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Redemption</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">We may redeem
    the notes, at our sole option, beginning with the interest payment date of November 1, 2025 and on any Interest
    Payment Date thereafter, in whole or in part, at a redemption price equal to 100% of the principal amount of the notes to
    be redeemed, plus accrued and unpaid interest to, but excluding, the date of redemption, subject to prior approval of the
    Federal Reserve, to the extent that such approval is then required under the rules of the Federal Reserve (an &ldquo;Optional
    Redemption&rdquo;).</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 0; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">We may also redeem
    the notes at any time, including prior to November 1, 2025, at our option and subject to obtaining the prior approval
    of the Federal Reserve to the extent such approval is then required under the rules of the Federal Reserve, in whole but not
    in part, if: (i) a change or prospective change in law or administrative interpretation occurs that could prevent us from
    deducting interest payable on the notes for U.S. federal income tax purposes; (ii) a subsequent event occurs that could preclude
    the notes from being recognized as Tier 2 capital for regulatory capital purposes; or (iii) we are required to register as
    an investment company under the Investment Company Act of 1940, as amended; in each case, at a redemption price equal to 100%
    of the principal amount of the notes plus any accrued and unpaid interest to, but excluding, the redemption date.&nbsp;&nbsp;For
    more information, see &ldquo;Description of the Notes&mdash;Optional Redemption and Redemption Upon Special Events&rdquo;
    in this prospectus supplement.</FONT></td></tr>
</TABLE>

<P STYLE="margin: 0"></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: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif; width: 36%"><FONT STYLE="font-size: 10pt"><B>Events
    of Default; Remedies</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif; width: 64%"><FONT STYLE="font-size: 10pt">The notes
    will contain customary payment, covenant and insolvency events of default.&nbsp;&nbsp;If an Insolvency Event of Default (as
    defined in &ldquo;Description of the Notes&rdquo;) occurs, the principal of, and accrued and unpaid interest on, the notes
    will become immediately due and payable without any action of the trustee or the holders of the notes.&nbsp;&nbsp;Because
    we will treat the notes as Tier 2 capital, upon the occurrence of an event of default other than an Insolvency Event of Default,
    neither the trustee nor the holders of the notes may accelerate the maturity of the notes.&nbsp;&nbsp;See &ldquo;Description
    of the Notes&mdash;Events of Default; Limitation on Suits&rdquo; and &ldquo;Description of Debt Securities&rdquo; in the accompanying
    prospectus.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Denomination;
    Form</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The notes
    will be issued and may be transferred only in denominations of $1,000 or any amount in excess thereof that is an integral
    multiple of $1,000.&nbsp;&nbsp;The notes will be evidenced by a global note deposited with the trustee for the notes, as custodian
    for The Depository Trust Company (&ldquo;DTC&rdquo;).&nbsp;&nbsp;Beneficial interests in the global notes will be shown on,
    and transfers of those beneficial interests can only be made through, records maintained by DTC and its participants.&nbsp;&nbsp;See
    &ldquo;Description of the Notes&mdash;General&rdquo; and &ldquo;&mdash;Clearance and Settlement.&rdquo;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Further
    Issuances</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt; font: 10pt Times New Roman, Times, Serif"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">We
                                         may, without the consent of the holders of the series of our debt securities of which
                                         the notes offered hereby are a part, from time to time, create and issue additional notes
                                         of that series ranking equally and ratably with the notes and otherwise similar in all
                                         respects, including the same terms as to interest rate, maturity, and redemption rights
                                         except as otherwise noted under &ldquo;Description of the Notes&rdquo; in this prospectus
                                         supplement. We may issue an unlimited principal amount of additional senior and subordinated
                                         notes of the Company in the future without the consent of the holders of the notes.</FONT></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Use
    of Proceeds</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">We estimate
    that the net proceeds of this offering will be approximately $78.6 million after deducting the underwriting discount
    and transaction expenses payable by us. We intend to use the net proceeds from this offering, after the payment of offering
    expenses, for general corporate purposes, which may include the support of Origin Bank&rsquo;s balance sheet growth, the acquisition
    of other banks or financial institutions or other complementary businesses to the extent such opportunities arise, and the
    maintenance of our capital and liquidity ratios, and the ratios of Origin Bank, at acceptable levels. See &ldquo;Use of Proceeds&rdquo;
    in this prospectus supplement.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Risk
    Factors</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Investing
    in the notes involves certain risks. See &ldquo;Risk Factors&rdquo; beginning on page S-10 of this prospectus
    supplement, and in the documents incorporated by reference herein and in the accompanying prospectus, for information regarding
    risk factors you should consider before investing in the notes.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 0; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Trustee</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">U.S. Bank
    National Association, will act as the trustee under the Indenture pursuant to which the notes will be issued.</FONT></td></tr>
</TABLE>

<P STYLE="margin: 0"></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: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif; width: 36%"><FONT STYLE="font-size: 10pt"><B>Calculation
    Agent</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif; width: 64%"><FONT STYLE="font-size: 10pt">We intend
    to appoint the Trustee as the calculation agent prior to the commencement of the Floating Rate Period.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Listing</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt 10pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The notes
    will not be listed on any securities exchange or included in any automated dealer quotation system. There is no
    assurance that an active trading market in the notes will develop or exist after the issuance of the notes.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding-bottom: 10pt; padding-left: 4.5pt; text-indent: -4.5pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><B>Governing
    Law</B></FONT></td>
    <TD STYLE="padding: 1.45pt 5.75pt; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">The notes and the
    Indenture pursuant to which such notes will be issued are governed by, and shall be construed in accordance with, the laws
    of the State of New York.</FONT></td></tr>
</table>
</div>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b007"></A>SELECTED
FINANCIAL INFORMATION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
selected historical consolidated financial information as of and for the six months ended June 30, 2020 and 2019, has been derived
from our unaudited consolidated financial statements for such periods, which are incorporated herein by reference, and the following
selected consolidated financial information as of and for the years ended December 31, 2019, 2018 and 2017 has been derived from
our audited consolidated financial statements for the years ended December 31, 2019, 2018 and 2017, each of which is incorporated
herein by reference, and our audited consolidated financial statements for the years ended December&nbsp;31, 2016 and 2015, which
are not included or incorporated herein by reference.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">You should
read the following financial information relating to us in conjunction with other information contained in this prospectus supplement
and the accompanying prospectus, including our consolidated financial statements and related accompanying notes incorporated herein
by reference. Our historical results for any prior period are not necessarily indicative of results to be expected in any future
period, and our historical results for the six months ended June 30, 2020, are not necessarily indicative of our results to be
expected for all of 2020.</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; padding-bottom: 1pt">(Dollars in thousands, <BR>
except per share amounts)</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">As of and for the Six&nbsp;Months <BR>
Ended June&nbsp;30,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At and for the Years Ended December 31,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center; padding-left: 8.65pt; text-indent: -8.65pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2020 <BR>(Unaudited)</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2019 <BR>(Unaudited)</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2019</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2016</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2015</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Statement of income data:</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD><TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: center">&nbsp;</TD><TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 30%; text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Total interest income</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">110,480</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">111,557</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">227,082</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">188,096</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">152,593</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">139,151</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD><TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 1%; text-align: left">$</TD><TD STYLE="width: 6%; text-align: right">137,333</TD><TD STYLE="width: 1%; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 8.65pt; text-indent: -8.65pt">Total interest expense</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">21,380</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">26,562</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">53,370</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">34,644</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">22,288</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">18,468</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">16,056</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Net interest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">89,100</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">84,995</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">173,712</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">153,452</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">130,305</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">120,683</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">121,277</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 8.65pt; text-indent: -8.65pt">Provision for credit losses</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">39,934</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,990</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">9,568</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,014</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">8,336</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">30,078</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">11,610</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Net interest income after provision for credit losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">49,166</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">82,005</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">164,144</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">152,438</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">121,969</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">90,605</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">109,667</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Noninterest income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,220</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22,780</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">46,478</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">41,240</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">29,187</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">41,868</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">44,131</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 8.65pt; text-indent: -8.65pt">Noninterest expense</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">74,317</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">72,476</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">144,074</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">131,236</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">130,674</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">116,707</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">113,995</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Income before income taxes</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6,069</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">32,309</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">66,548</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">62,442</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">20,482</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,766</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">39,803</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 8.65pt; text-indent: -8.65pt">Income tax expense</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">359</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">5,871</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">12,666</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">10,837</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">5,813</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">2,916</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">10,725</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 2.5pt; padding-left: 8.65pt; text-indent: -8.65pt">Net income</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">5,710</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">26,438</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">53,882</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">51,605</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">14,669</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">12,850</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$</TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right">29,078</TD><TD STYLE="padding-bottom: 2.5pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Common stock dividends</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,345</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1,543</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,887</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,937</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,535</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,331</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2,260</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Balance sheet data (period end):</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">6,643,909</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,119,625</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,324,626</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,821,576</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,153,995</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">4,071,455</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">3,971,343</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt">Securities</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">770,880</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">589,492</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">541,203</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">606,174</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">436,753</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">408,738</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">388,400</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Loans, net<SUP>(1)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,241,726</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,947,914</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,105,675</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,754,902</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,203,948</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,061,544</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2,971,433</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Allowance for loan credit losses</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">70,468</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">36,683</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">37,520</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">34,203</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">37,083</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">50,531</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">41,230</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Goodwill and other intangible assets, net</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">30,953</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">32,144</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">31,540</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">32,861</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,336</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">24,854</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">26,322</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt">Noninterest-bearing deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,584,746</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,003,499</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,077,706</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">951,015</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">832,853</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">780,065</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">726,322</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Total deposits</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5,372,222</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,855,012</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,228,612</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,783,138</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,512,014</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,443,266</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3,387,821</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Total stockholders&rsquo; equity<SUP>(2)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">614,781</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">584,293</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">599,262</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">549,779</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">455,342</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">448,657</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">398,440</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">SBLF preferred stock</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">48,260</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">48,260</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">48,260</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Series D preferred stock</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16,998</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">16,998</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">15,000</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>

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

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; padding-bottom: 1pt">(Dollars in thousands, <BR>
except per share amounts)</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">As of and for the Six&nbsp;Months <BR>
Ended June&nbsp;30,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="18" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At and for the Years Ended December 31,</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: center; padding-left: 8.65pt; text-indent: -8.65pt">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2020 <BR>(Unaudited)</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2019 <BR>(Unaudited</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2019</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2018</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2017</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2016</TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2015</TD><TD STYLE="padding-bottom: 1pt; font-weight: bold">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; padding-left: 8.65pt; text-indent: -8.65pt">Earnings per share data:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Net income</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,710</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">26,438</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">53,882</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">51,605</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">14,669</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">12,850</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">29,078</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Preferred stock dividends</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&mdash;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1,923</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,461</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">4,398</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">636</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; padding-left: 8.65pt; text-indent: -8.65pt">Net income allocated to participating stockholders</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&mdash;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&mdash;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">&mdash;</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,029</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">377</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">316</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD><TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left">&nbsp;</TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right">1,367</TD><TD STYLE="padding-bottom: 1pt; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Net income available to common stockholders</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">5,710</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">26,438</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">53,882</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">48,653</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">9,831</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">8,136</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">27,075</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Common shares outstanding at end of period<SUP>(3)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,501,233</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,774,238</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,480,945</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,726,559</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,518,752</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,483,718</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,419,680</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Weighted average common shares outstanding<SUP>(3)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,350,673</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,577,335</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,470,746</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">21,995,990</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,418,278</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,545,655</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,284,100</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Weighted average diluted common shares outstanding<SUP>(3)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,498,910</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,781,358</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">23,674,065</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">22,194,429</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">19,634,412</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,733,061</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">17,506,658</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Basic earnings per share<SUP>(3)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.24</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.12</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2.30</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">2.21</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.51</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">0.46</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">1.57</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Diluted earnings per share<SUP>(3)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.24</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.11</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.28</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.20</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.50</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.46</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.56</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Performance ratios:<SUP></SUP></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Return on average assets<SUP>(4)(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.19</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.08</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.06</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.16</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.36</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.33</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.76</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Return on average equity<SUP>(4)(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.87</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.38</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.27</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.07</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.19</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.11</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">7.49</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Net interest margin, fully tax equivalent<SUP>(4)(6)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.25</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.69</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.52</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.38</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">3.48</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Efficiency ratio<SUP>(7)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">61.77</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">67.25</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">65.43</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">67.41</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">81.93</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">71.80</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">68.92</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Dividend payout ratio</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">76.09</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">5.84</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.93</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">6.04</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">25.79</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">28.65</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.35</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Asset quality ratios:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Nonperforming assets to total assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.53</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.70</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.69</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.75</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.59</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.67</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.89</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Nonperforming loans to loans held for investment</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.57</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.76</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.75</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.84</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.73</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">2.14</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.12</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Allowance for loan losses to nonperforming loans</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">234.53</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">120.36</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">120.46</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">107.37</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">155.80</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">75.92</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">121.74</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Allowance for loan losses to loans held for investment</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.33</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.92</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.91</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.90</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.14</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.62</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">1.37</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Net charge-offs as a percentage of average loans held for investment<SUP>(4)(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.34</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.01</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.15</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.13</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.69</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.71</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">0.15</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Capital ratios:</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">&nbsp;</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="padding-left: 8.65pt; text-indent: -8.65pt">Book value per common share</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">26.16</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">24.58</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">25.52</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">23.17</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">19.99</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">19.68</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">$</TD><TD STYLE="text-align: right">19.24</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Equity to assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.25</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.41</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.25</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.40</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.96</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.02</TD><TD STYLE="text-align: left">%</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.03</TD><TD STYLE="text-align: left">%</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt"><FONT STYLE="font-size: 10pt">Tier 1 capital to average assets<SUP>(5)</SUP></FONT></TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.10</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.10</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.91</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.21</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.53</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.67</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.79</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Common equity tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.35</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.93</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.74</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.94</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.35</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">9.42</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">8.29</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Tier 1 capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.52</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.13</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.94</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.16</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.25</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.33</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">10.25</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-left: 8.65pt; text-indent: -8.65pt">Total capital to risk-weighted assets</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.91</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.97</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.76</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.98</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.26</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">12.58</TD><TD STYLE="text-align: left">&nbsp;</TD><TD>&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD><TD STYLE="text-align: right">11.45</TD><TD STYLE="text-align: left">&nbsp;</TD></TR>
</TABLE>
</DIV>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-bottom: 0">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 24px; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 1pt"><SUP>&nbsp;</SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 1pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><SUP>(1) </SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Balances are shown net of the allowance
    for loan losses and exclude loans held for sale.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><SUP>(2) </SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Includes shares owned by our Employee Retirement
    Plan for periods prior to December 31, 2018.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><SUP>(3) </SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Presentation of share and per share amounts
    has been adjusted to reflect a 2-for-1 stock split that occurred on October 5, 2016.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><SUP>(4)</SUP></TD>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif">Numbers for the six months ended June 30, 2020 and 2019 are annualized.</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><SUP>(5) </SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">All average balances are calculated using
    average daily balances.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><SUP>(6) </SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Tax equivalent yields are calculated by
    applying a 21% estimated tax rate to tax-exempt interest earnings for the year ended December 31, 2019 and 2018, and 35% for
    all periods prior to December 31, 2018.</FONT></td></tr>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt"><SUP>(7) </SUP></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">We calculate the efficiency ratio by dividing
    noninterest expense by the sum of net interest income and noninterest income. The efficiency ratio is not calculated on a
    fully tax equivalent basis.</FONT></td></tr>
</table>
</DIV>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b008"></A>RISK
FACTORS</FONT></P>

<P STYLE="font: italic 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Investing
in the notes involves a high degree of risk. Before making an investment decision, you should<FONT STYLE="font-style: normal">
</FONT></FONT><FONT STYLE="font-size: 10pt">carefully consider the following risks, as well as those included in our Annual Report
on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000020/a12312019obnkannualrep.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the year ended December 31, 2019, and our Quarterly Reports on Form 10-Q for the quarters ended <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000046/a03312020obnkquarterly.htm" STYLE="-sec-extract: exhibit">March 31, 2020</A>
and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691220000083/obnk-20200630.htm" STYLE="-sec-extract: exhibit">June 30, 2020</A>, and all of the other information contained or incorporated by reference in this prospectus supplement and the
accompanying prospectus. The realization of any of the matters referenced as risk factors could have a material adverse effect
on our business, financial condition, liquidity, results of operation and prospects, and holders of the notes could lose some
or all of their investment.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Risks Related to the
Notes and this Offering</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For the
purposes of this section titled &ldquo;Risks Related to the Notes and this Offering,&rdquo; all references to &ldquo;Origin Bancorp,
Inc.,&rdquo; &ldquo;Origin,&rdquo; the &ldquo;Company,&rdquo; &ldquo;our Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo;
and &ldquo;ours&rdquo; or similar references mean only Origin Bancorp, Inc. and not any of its subsidiaries. We will issue the
notes under a Subordinated Debt Indenture between Origin Bancorp, Inc., as the issuer, and U.S. Bank National Association, as
trustee (the &ldquo;Base Indenture&rdquo;), as supplemented by a First Supplemental Indenture between Origin Bancorp, Inc. and
the trustee, each expected to be dated October 16, 2020 (the &ldquo;Supplemental Indenture&rdquo;). We refer to
the Base Indenture, as supplemented by the Supplemental Indenture, as the &ldquo;Indenture.&rdquo;</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Our obligations
under the notes will be unsecured and subordinate to our existing and future senior indebtedness and general creditors, and we
may be precluded from making payments on the notes in certain circumstances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The notes
are our subordinated, unsecured obligations and, consequently, are junior in right of payment to all of our secured and unsecured
senior indebtedness now existing or that we incur in the future. This means that we generally cannot make any payments on the
notes if we default on the payment of principal, premium or interest on senior indebtedness beyond any applicable grace period,
in the event of an Insolvency Event (as defined under &ldquo;Description of the Notes&rdquo;) or we otherwise default on the senior
indebtedness and the holders of senior indebtedness have accelerated the maturity of such senior indebtedness and notice has been
provided to us or a default under any senior indebtedness is the subject of judicial proceedings or the trustee receives a notice
of default from us. In addition, in the event of an Insolvency Event, any remaining assets would be available to pay obligations
under the notes only after we have made payments on all senior indebtedness. As a consequence of the subordination of the notes
to our senior indebtedness, an investor in the notes might lose all or some of its investment upon an Insolvency Event or similar
event. In such an event, our assets would be available to pay the principal of and accrued and unpaid interest on the notes only
after all of our senior indebtedness has been paid in full.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As of
June 30, 2020, Origin Bank and our other subsidiaries had outstanding indebtedness (including Origin Bank&rsquo;s outstanding
4.25% fixed-to-floating subordinated notes), total deposits and other liabilities of approximately $6.02 billion, excluding intercompany
liabilities, all of which ranks structurally senior to the notes. As of June 30, 2020, we did not have subordinated indebtedness
outstanding ranking equally with the notes and we had $10.8 million of subordinated indebtedness (which was comprised of our existing
junior subordinated debentures underlying outstanding trust preferred securities) outstanding ranking junior to the notes. We
also have a $50 million senior revolving credit facility under which no amount is drawn as of the date of this prospectus supplement,
but if drawn such amount would constitute senior indebtedness. Any additional liabilities that we may incur in the future
may adversely affect our ability to pay our obligations on the notes. The Indenture, which governs the notes, does not limit the
amount of additional indebtedness or senior indebtedness that we may incur or the amount of indebtedness that our subsidiaries,
including Origin Bank, may incur. Moreover, we could issue other subordinated debt securities that would rank equally in right
of payment to the notes. In the event of an Insolvency Event or other similar event, the notes, together with such other subordinated
debt securities and any of our other general, unsecured obligations that do not constitute senior indebtedness and rank equally
with the notes will share pro rata in our assets remaining for payment of such obligations after we have paid all of our senior
indebtedness in full.</FONT></P>

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

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The notes will
be structurally subordinate to the obligations of Origin Bank and our other subsidiaries, and the holders of those obligations
will be entitled to receive payment in full of those obligations before we participate in any distribution of the assets of Origin
Bank and our other subsidiaries in the event of their liquidation or insolvency.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The notes
are obligations exclusively of Origin and are not obligations of Origin Bank. Holders of the notes should only look to the assets
of the holding company as the source of payment of the notes. Origin Bank is a separate and distinct legal entity from us, will
not be an obligor with respect to the notes, will not guarantee the payment of the notes and will have no obligation to pay any
amounts to us, including any dividends or other distributions, or to provide Origin with funds to meet or discharge our obligations
or liabilities, including the notes. Our rights and the rights of our creditors, including the holders of the notes, to participate
in any distribution of the assets of Origin Bank (either as a shareholder or as a creditor), upon a bankruptcy, liquidation, dissolution
or similar proceeding of Origin Bank (and the consequent right of the holders of the notes to participate in those assets after
repayment of our senior indebtedness), will be subject to the claims of the creditors of Origin Bank, including depositors of
Origin Bank and other general or subordinated creditors. As a consequence of the foregoing, the notes will be effectively structurally
subordinate to all of the obligations and liabilities of Origin Bank and our other subsidiaries.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Regulatory guidelines
may restrict our ability to pay the principal of, and accrued and unpaid interest on, the notes, regardless of whether we are
the subject of an insolvency proceeding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As a bank
holding company, our ability to pay the principal of, and interest on, the notes is subject to the guidelines of the Federal Reserve
regarding capital adequacy. We intend to treat the notes as &ldquo;Tier&nbsp;2 capital&rdquo; of the Company under the Federal
Reserve&rsquo;s regulatory capital rules and guidelines. Pursuant to federal law and the Federal Reserve regulations, a bank holding
company is required to act as a source of financial and managerial strength to each of its banking subsidiaries and commit resources
to their support, including the guarantee of capital plans of an undercapitalized bank subsidiary. Such support may be required
at times when a holding company may not otherwise be inclined to provide it. We may be unable to pay accrued interest on the notes
on one or more of the scheduled interest payment dates or at any other time or the principal of the notes at the maturity of the
notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If Origin
were to be the subject of a bankruptcy proceeding under Chapter&nbsp;11 of the U.S. Bankruptcy Code, the bankruptcy trustee would
be deemed to have assumed and would be required to cure immediately any deficit under any commitment we have to any of the federal
banking agencies to maintain the capital of Origin Bank and any other insured depository institution for which we have such a
responsibility, and any claim for breach of such obligation would generally have priority over most other unsecured claims.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">We may not be
able to generate sufficient cash to service all of our debt, including the notes. We depend primarily on cash dividends from our
subsidiary, Origin Bank, to meet our cash obligations. Failure of Origin Bank to pay sufficient cash dividends to us would prevent
us from paying interest on the notes or the principal of the notes at maturity.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We are
a financial holding company and we conduct substantially all of our operations through subsidiaries, including Origin Bank. Our
primary asset is Origin Bank and our liquidity depends primarily on our receipt of dividends from Origin Bank and we will use
such funds to pay interest on the notes. Various regulatory provisions limit the amount of dividends Origin Bank can pay to Origin
without regulatory approval. In certain cases, regulatory authorities may even prohibit Origin Bank from paying dividends to Origin.
In addition to the federal regulatory capital regime, Louisiana law requires regulatory approval prior to Origin Bank&rsquo;s
payment of dividends in any year that exceeds the sum of current year net income plus net income from the prior year, less dividends
paid during such periods. Moreover, the terms of the notes do not provide for us to make payments into any sinking fund with respect
to the notes out of which the principal of, or accrued and unpaid interest on, the notes could be paid. If Origin Bank cannot
pay dividends to us for any period as a result of any regulatory limitation or prohibition or cannot, for any other reason, pay
dividends in an amount sufficient for us to pay the principal of, or accrued and unpaid interest on, the notes, we would be unable
to pay the interest on or principal of the notes unless we are able to borrow funds from other sources or sell additional securities
of Origin to obtain </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">funds necessary to make one or more such payments of accrued and unpaid interest on, and to pay the principal
of, the notes. We may not be able to obtain future borrowings in an amount sufficient to enable us to pay our debt, or to fund
our other liquidity needs or to refinance any of our debt when needed on commercially reasonable terms or at all. Origin Bank
paid Origin approximately $7.8&nbsp;million and approximately $15.0 million in dividends during the six months ended June 30,
2020, and the year ended December 31, 2019, respectively.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">There is no established
trading market for the notes, which could make it more difficult for you to sell your notes and could adversely affect the price
of the notes in any trading market that develops in the notes following the offering.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The notes
constitute a new issue of securities for which no established trading market exists. Consequently, it may be difficult for you
to sell your notes. We do not intend to list the notes on any securities exchange or to apply to have the notes quoted on any
automated dealer quotation system. A market for the notes may not develop, and if such a market does develop, such market may
not continue to exist or provide liquidity for the notes following the offering or provide a market at prices for the notes acceptable
to investors. In addition, the liquidity of the trading market in the notes and the market price quoted for the notes may be adversely
affected by changes in the overall market for this type of security and by changes in our financial performance or prospects or
in the prospects for companies in our industry generally. If an active trading market does not develop or is not maintained, the
market price and liquidity of the notes may be adversely affected. In that case you may not be able to sell your notes at a particular
time or you may not be able to sell your notes at a favorable price.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Many factors
affect the trading market for, and the trading value of, the notes. These factors include: the method of calculating the principal,
premium, if any, interest or other amounts payable, if any, on the notes; the time remaining to the maturity of the notes; the
ranking of the notes; the redemption features of the notes; the outstanding amount of subordinated notes with terms identical
to the notes offered hereby; the prevailing interest rates being paid by other companies similar to us; our financial condition,
financial performance and future prospects; the level, direction and volatility of market interest rates generally; general economic
conditions of the capital markets in the United States; and public health outbreaks (including COVID-19) and geopolitical conditions
and other financial, political, regulatory, and judicial events that affect the capital markets generally. The condition of the
financial markets and prevailing interest rates have fluctuated significantly in the past and are likely to fluctuate in the future.
Such fluctuations could adversely affect the trading market (if any) for, and the market price of, the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The amount of
interest payable on the notes may vary from interest period to interest period after November 1, 2025.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">From and
including November 1, 2025 to, but excluding, the maturity date (unless redeemed prior to such date), the notes will bear
a floating interest rate equal to the Benchmark (which is expected to be Three-Month Term SOFR) (each subject to the provisions
described under &ldquo;Description of the Notes&mdash;Payment of Principal and Interest&rdquo;), reset for each Floating Rate
Interest Period, plus 432 basis points, payable quarterly in arrears on February 1, May 1, August 1 and November 1
of each year, commencing on February 1, 2026. Notwithstanding the foregoing, if the Benchmark is less than zero, then the
Benchmark shall be deemed to be zero. Because the Benchmark is a floating rate, the interest rate on the notes may vary from Floating
Rate Interest Period to Floating Rate Interest Period after November 1, 2025. The interest rate that is determined at the
relevant reference time will apply to the entire Floating Rate Interest Period following such determination, even if the Benchmark
increases during that Floating Rate Interest Period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Floating
rate notes bear additional significant risks not associated with fixed rate debt securities. These risks include fluctuation of
the interest rates and the possibility that you will receive an amount of interest that is lower than expected. We have no control
over a number of matters that may impact prevailing interest rates, including, without limitation, economic, financial, and political
events that are important in determining the existence, magnitude, and longevity of market volatility, and other risks and their
impact on the value of, or payments made on, the notes. In recent years, interest rates have been volatile, and that volatility
may occur in the future.</FONT></P>

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

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Any failure of
Secured Overnight Funding Rate (&ldquo;SOFR&rdquo;) to gain market acceptance could adversely affect holders of the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The interest
rate during the Floating Rate Period will be determined using Three-Month Term SOFR (unless a Benchmark Transition Event and its
related Benchmark Replacement Date occur). SOFR may fail to gain market acceptance. SOFR was developed for use in certain U.S.
dollar derivatives and other financial contracts as an alternative to LIBOR in part because it is considered to be a good representation
of general funding conditions in the overnight U.S. Treasury repo market. However, as a rate based on transactions secured by
U.S. Treasury securities, it does not measure bank-specific credit risk and, as a result, is less likely to correlate with the
unsecured short-term funding costs of banks. This may mean that market participants would not consider SOFR to be a comparable
substitute or successor for all of the purposes for which LIBOR historically has been used (including, without limitation, as
a representation of the unsecured short-term funding costs of banks), which may, in turn, lessen its market acceptance. Any failure
of SOFR to gain market acceptance could adversely affect the yield on, value of, and market for the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Investors should
not rely on indicative or historical data concerning SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The interest
rate during the Floating Rate Period will be determined using Three-Month Term SOFR (unless a Benchmark Transition Event and its
related Benchmark Replacement Date occur with respect to Three-Month Term SOFR, in which case the rate of interest will be based
on the next-available Benchmark Replacement, which is Compounded SOFR (as defined in &ldquo;Description of the Notes&rdquo;)).
In the following discussion of SOFR, when we refer to the notes, we mean the notes at any time during the Floating Rate Period
when the interest rate on the notes is or will be determined based on SOFR, including Three-Month Term SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">SOFR is
published by the Federal Reserve Bank of New York (&ldquo;FRBNY&rdquo;) and is intended to be a broad measure of the cost of borrowing
cash overnight collateralized by U.S. Treasury securities. FRBNY reports that SOFR includes all trades in the Broad General Collateral
Rate, plus bilateral U.S. Treasury repurchase agreement (&ldquo;repo&rdquo;) transactions cleared through the delivery-versus-payment
service offered by the Fixed Income Clearing Corporation (the &ldquo;FICC&rdquo;), a subsidiary of DTC. SOFR is filtered by FRBNY
to remove a portion of the foregoing transactions considered to be &ldquo;specials.&rdquo; According to FRBNY, &ldquo;specials&rdquo;
are repos for specific-issue collateral which take place at cash-lending rates below those for general collateral repos because
cash providers are willing to accept a lesser return on their cash in order to obtain a particular security.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">FRBNY
reports that SOFR is calculated as a volume-weighted median of transaction-level tri-party repo data collected from The Bank of
New York Mellon, which currently acts as the clearing bank for the tri-party repo market, as well as General Collateral Finance
Repo transaction data and data on bilateral U.S. Treasury repo transactions cleared through the FICC&rsquo;s delivery-versus-payment
service.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">FRBNY
states that it obtains information from DTCC Solutions LLC, an affiliate of DTC. FRBNY currently publishes SOFR daily on its website.
FRBNY states on its publication page for SOFR that use of SOFR is subject to important disclaimers, limitations, and indemnification
obligations, including that FRBNY may alter the methods of calculation, publication schedule, rate revision practices, or availability
of SOFR at any time without notice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">FRBNY
started publishing SOFR in April 2018. FRBNY has also started publishing historical indicative SOFRs dating back to 2014, although
such historical indicative data inherently involves assumptions, estimates and approximations. Investors should not rely on such
historical indicative data or on any historical changes or trends in SOFR as an indicator of the future performance of SOFR.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">SOFR may be more
volatile than other benchmark or market rates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Since
the initial publication of SOFR, daily changes in the rate have, on occasion, been more volatile than daily changes in comparable
benchmark or market rates, and SOFR over time may bear little or no relation to the historical actual or historical indicative
data. In addition, the return on and value of the notes may fluctuate more than floating rate securities that are linked to other
rates.</FONT></P>

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

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Changes in SOFR
could adversely affect holders of the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Because
SOFR is published by FRBNY based on data received from other sources, we have no control over its determination, calculation or
publication. There is no assurance that SOFR will not be discontinued or fundamentally altered in a manner that is materially
adverse to the interests of investors in the notes. If the manner in which SOFR is calculated is changed, that change may result
in a reduction in the amount of interest that accrues on the notes during the Floating Rate Period, which may adversely affect
the trading prices of the notes. Further, if the Benchmark on the notes during the Floating Rate Period at any reference time
declines to zero or becomes negative, the Benchmark will be deemed to equal zero. In addition, once the Benchmark for the notes
for each Floating Rate Interest Period during the Floating Rate Period is determined by the calculation agent at the reference
time, interest on the notes shall accrue at such Benchmark plus 432 basis points per annum for the applicable Floating
Rate Interest Period and will not be subject to change during such Floating Rate Interest Period. There is no assurance that changes
in SOFR will not have a material adverse effect on the yield on, value of, and market for the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The interest rate
for the notes during the Floating Rate Period may be determined based on a rate other than Three-Month Term SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the terms of the notes, the interest rate on the notes for each Floating Rate Interest Period during the Floating Rate Period
will be based on Three-Month Term SOFR (unless a Benchmark Transition Event and its related Benchmark Replacement Date occur),
a forward-looking term rate for a tenor of three months that will be based on SOFR. Three-Month Term SOFR does not currently exist
and is currently being developed under the sponsorship of the Alternative Reference Rates Committee. There is no assurance that
the development of Three-Month Term SOFR, or any other forward-looking term rate based on SOFR, will be completed. Uncertainty
surrounding the development of forward-looking term rates based on SOFR could have a material adverse effect on the return on,
value of, and market for the notes. If, at the commencement of the Floating Rate Period for the notes, the Relevant Governmental
Body (as defined in &ldquo;Description of the Notes&rdquo;) has not selected or recommended a forward-looking term rate for a
tenor of three months based on SOFR, the development of a forward-looking term rate for a tenor of three months based on SOFR
that has been recommended or selected by the Relevant Governmental Body is not complete or the calculation agent determines that
the use of a forward-looking rate for a tenor of three months based on SOFR is not administratively feasible, then the next-available
Benchmark Replacement under the benchmark transition provisions will be used to determine the interest rate on the notes during
the Floating Rate Period (unless a Benchmark Transition Event and its related Benchmark Replacement Date occur with respect to
that next-available Benchmark Replacement).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the terms of the notes, the calculation agent is expressly authorized to make determinations, decisions, or elections with respect
to technical, administrative, or operational matters that it decides are appropriate to reflect the use of Three-Month Term SOFR
as the interest rate basis for the notes, which are defined in the terms of the notes as &ldquo;Three-Month Term SOFR Conventions.&rdquo;
For example, assuming that a form of Three-Month Term SOFR is developed, it is not currently known how or by whom rates for Three-Month
Term SOFR will be published. Accordingly, the manner and timing for the determination of the applicable Three-Month Term SOFR
during the Floating Rate Period will need to be determined. The determination and implementation of any Three-Month Term SOFR
Conventions could result in adverse consequences to the amount of interest that accrues on the notes during the Floating Rate
Period, which could adversely affect the return on, value of, and market for the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Any Benchmark
Replacement may not be the economic equivalent of Three-Month Term SOFR.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the benchmark transition provisions of the notes, if the calculation agent determines that a Benchmark Transition Event and its
related Benchmark Replacement Date have occurred with respect to the then-current Benchmark, then the floating interest rate on
the notes for such interest period and all subsequent Floating Rate Interest Periods during the Floating Rate Period will be determined
using the next-available Benchmark Replacement (which may include a related Benchmark Replacement Adjustment, as defined in &ldquo;Description
of the Notes&rdquo;). However, the Benchmark Replacement may not be the economic equivalent of Three-Month Term SOFR. For example,
Compounded SOFR, the first-available Benchmark Replacement, is the compounded </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">average of the daily SOFR calculated in arrears,
while Three-Month Term SOFR is intended to be a forward-looking rate with a tenor of three months. In addition, very limited market
precedent exists for securities that use Compounded SOFR as the rate basis, and the method for calculating Compounded SOFR in
those precedents varies. Further, the ISDA Fallback Rate (as defined in &ldquo;Description of the Notes&rdquo;), which is another
Benchmark Replacement, has not yet been established and may change over time.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">A change in the
Benchmark may be treated as a significant modification of the notes for federal income tax purposes, which could result in taxable
gain or loss to holders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a term
of the notes, such as the interest rate, is altered and the degree to which the notes are altered is economically significant,
the notes will be treated as exchanged for the modified notes for federal income tax purposes. A deemed exchange of the notes
could result in gain or loss to the holders. Thus, if the Benchmark is replaced with a rate other than the Three-Month Term SOFR,
such replacement could adversely affect the holders of the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The implementation
of Benchmark Replacement Conforming Changes could adversely affect holders of the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the benchmark transition provisions of the notes, if Three-Month Term SOFR has been discontinued or if a particular Benchmark
Replacement or Benchmark Replacement Adjustment cannot be determined, then the next-available Benchmark Replacement or Benchmark
Replacement Adjustment will apply. These replacement rates and adjustments may be selected or formulated by: (i) the Relevant
Governmental Body determining Compounded SOFR; (ii) the Relevant Governmental Body that selects or recommends the alternative
rate for the then-current Benchmark for the applicable Corresponding Tenor (as defined in &ldquo;Description of the Notes&rdquo;),
(iii) the International Swaps and Derivatives Association (&ldquo;ISDA&rdquo;), or (iv) in certain circumstances, the calculation
agent. In addition, the benchmark transition provisions expressly authorize the calculation agent to make certain changes, which
are defined in the terms of the notes as &ldquo;Benchmark Replacement Conforming Changes,&rdquo; with respect to, among other
things, the determination of Floating Rate Interest Periods, and the timing and frequency of determining rates and making payments
of interest. The application of a Benchmark Replacement and Benchmark Replacement Adjustment, and any implementation of Benchmark
Replacement Conforming Changes, could result in adverse consequences to the amount of interest that accrues on the notes during
any Floating Rate Interest Period during the Floating Rate Period, which could adversely affect the yield on, value of, and market
for the notes. Further, there is no assurance that the characteristics of any Benchmark Replacement will be similar to the then-current
Benchmark that it is replacing or that any Benchmark Replacement will produce the economic equivalent of the then-current Benchmark
that it is replacing.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Any market for
SOFR-linked debt securities may be illiquid or unpredictable.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Since
SOFR is a relatively new market index, SOFR-linked debt securities likely will have no established trading market when issued,
and an established trading market may never develop or be sustained and, even if a trading market does develop, it may be illiquid.
Market terms for debt securities indexed to SOFR, such as the spread over the index reflected in interest rate provisions, may
evolve over time, and trading prices of the notes may be lower than those of later-issued SOFR-linked debt securities as a result.
Similarly, if SOFR does not prove to be widely used in securities similar to the notes, the trading price of the notes may be
lower than those of debt securities linked to such rates that are more widely used. Debt securities indexed to SOFR (as the notes
will be) may not be able to be sold at all or may not be able to be sold at prices that will provide a yield comparable to similar
investments that have a developed secondary market, and may consequently suffer from increased pricing volatility and market risk.
The manner of adoption or application of reference rates based on SOFR in the bond and equity markets may differ materially compared
with the application and adoption of SOFR in other markets, such as the derivatives and loan markets. You should carefully consider
how any potential inconsistencies between the adoption of reference rates based on SOFR across these markets may impact any hedging
or other financial arrangements which you may put in place in connection with any acquisition, holding or disposal of the notes.</FONT></P>

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

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Although we intend
to appoint the trustee as the calculation agent prior to the Floating Rate Period, in certain circumstances, we may act as the
calculation agent and may have economic interests adverse to the interests of the holders of the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The calculation
agent will determine the interest rate during the Floating Rate Period. Although we intend to appoint the trustee as the calculation
agent before the start of the Floating Rate Period, in certain circumstances such as if the calculation agent is not appointed
or resigns, we may act as the calculation agent for the notes. Any exercise of discretion by us under the terms of the notes,
including, without limitation, any discretion exercised by us or by an affiliate acting as calculation agent, could present a
conflict of interest. In making the required determinations, decisions and elections, we or an affiliate of ours acting as calculation
agent may have economic interests that are adverse to the interests of the holders of the notes, and those determinations, decisions
or elections could have a material adverse effect on the yield on, value of, and market for the notes. All determinations, decisions,
or elections by us, or by us or an affiliate acting as calculation agent, under the terms of the notes will be conclusive and
binding absent manifest error.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">You will have
no rights against the publishers of the Benchmark.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">You will
have no rights against any person publishing Benchmarks, even though the amount you receive on each interest payment date after
November 1, 2025 will depend on the level of the Benchmark for each Floating Rate Interest Period. The publishers of any
Benchmark are not in any way involved in this offering and have no obligations relating to the notes or the holders of the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Because the notes
may be redeemed, under certain circumstances, prior to their maturity, you may be subject to reinvestment risk.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We will
have the right, subject to the receipt of any required approval of the Federal Reserve, to redeem the notes at our option (i)
in whole or in part on any interest payment date on or after November 1, 2025 and (ii)&nbsp;in whole, but not in part,
upon or after the occurrence of certain events as described under &ldquo;Description of the Notes&mdash;Optional Redemption and
Redemption Upon Special Events,&rdquo; in each case at a redemption price equal to 100% of the principal amount of the notes,
plus unpaid interest, if any, accrued thereon to but excluding the date of redemption. If the interest payable on the notes on
or after November 1, 2025 is higher than the yield payable in respect of a comparable issuer and security, it is more likely
that we would exercise our optional right to redeem the notes on or after November 1, 2025 and prior to their stated maturity.
Any such redemption may have an adverse effect on the income and return otherwise receivable on an investment in the notes by
reducing the term of such investment. If an early redemption occurs, you may not be able to reinvest the proceeds from such redemption
in a comparable issuer and security at the same or higher yield relative to our notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The notes contain
limited events of default, and the remedies available thereunder are limited.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As described
in &ldquo;Description of the Notes&mdash;Events of Default; Limitation on Suits,&rdquo; the notes contain limited events of default
and remedies. As a result of our intent to treat all of the notes as Tier&nbsp;2 capital after the consummation of the offering
of the notes, the ability of the trustee under the Indenture and the holders of the notes to automatically accelerate the maturity
of and our obligation to pay immediately the principal of, and any accrued and unpaid interest on, the notes will be limited to
the events of default that occur upon (i) a court entering a decree or order for relief in respect of the Company in an involuntary
case or proceeding under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or appointing
a receiver, liquidator, assignee, custodian, trustee, sequestrator (or similar official) of the Company or similar orders or decrees
and such decree or order shall remain unstayed and in effect for a period of 60 consecutive days or (ii) the Company commencing
a voluntary case or proceeding under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, or
consenting to the entry of a decree or order for relief in an involuntary case under any such law, or consenting to the appointment
of or taking possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator (or similar official) of the Company, or making any general assignment for the benefit of creditors (together, an &ldquo;Insolvency
Event of Default&rdquo;). The holders of the notes will not be able to accelerate the maturity of the notes in the event of other
events of default. If the holders of our senior indebtedness are able to accelerate the maturity of some or all of our senior
indebtedness at a time when a noninsolvency default has occurred, but an Insolvency Event of Default has not occurred with respect
to the </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">notes, such holders of our senior indebtedness may be able to accelerate the maturity of, and pursue the payment in full
of, that senior indebtedness while the holders of the notes would be unable to pursue similar remedies with respect to the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">No limit or restriction
exists on the amount or type of further securities or indebtedness that we may issue, incur or guarantee, and the Indenture governing
the notes does not contain any financial covenants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
the Indenture nor the notes contain any covenants prohibiting us or our subsidiaries from, or limiting our right to, incur additional
indebtedness or obligations that rank senior in right of payment to, or <I>pari passu </I>with, the notes, to grant liens on our
assets to secure our indebtedness or other obligations, to repurchase our stock, including pursuant to our previously announced
stock buyback program, or other securities, including any of the notes or any of our other outstanding debt securities, or to
pay dividends or make other distributions to our shareholders. We expect that we will from time to time incur additional indebtedness
and other liabilities. The issuance or guarantee of any such securities or the incurrence of any such other liabilities may reduce
the amount, if any, recoverable by holders of the notes in any Insolvency Event, reorganization or any liquidation or winding
up under the U.S. Bankruptcy Code or otherwise and may limit our ability to meet our obligations under the notes. In addition,
neither the Indenture nor the notes contain any restriction on our ability to issue securities that may have preferential rights
to the notes or securities with provisions similar to or different from the provisions of the Indenture under which the notes
are issued.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in">There are no financial covenants in the
Indenture governing the notes. In addition, neither the Indenture nor the notes contain any provision that would provide protection
to the holders of the notes against a sudden and dramatic decline in our credit quality, including resulting from a merger, takeover,
recapitalization or similar restructuring or other events involving us or our subsidiaries that may adversely affect our credit
quality. See &ldquo;Description of the Notes - General.&rdquo;</P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The market value
of the notes may be influenced by unpredictable factors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Certain
factors, many of which are beyond our control, will influence the value of the notes and the price, if any, at which securities
dealers and others may be willing to purchase or sell the notes in any secondary market for the notes, including, but not limited
to:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">our
                                         creditworthiness, financial performance and financial condition from time to time;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">prevailing
                                         interest rates;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">supply
                                         and demand for the notes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">economic,
                                         financial, political or regulatory events or judicial decisions that affect us or the
                                         financial markets generally, including the introduction of any financial transactions
                                         tax;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         market for similar securities; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         trading price of our common stock.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Accordingly,
if an investor in the notes sells those notes in the secondary market, it may not be able to obtain a price that will provide
it with a desired yield, a price equal to the principal amount of the notes or a price equal to the price that the investor paid
for the notes.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Our credit ratings
may not reflect all risks of an investment in the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our credit
ratings are an assessment of our ability to pay our obligations as they become due. Consequently, real or anticipated changes
in our credit ratings will generally affect the trading value of the notes. Our credit ratings, however, may not reflect the potential
risks related to the market or other factors on the value of the notes. Furthermore, because your return on the notes depends
upon factors in addition to our ability to pay our obligations, an improvement in our credit ratings will not reduce the other
investment risks related to the notes. A credit rating is not a recommendation to buy, sell or hold securities and may be revised
</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">or withdrawn by the rating agency at any time. Accordingly, you should consult your own financial and legal advisors as to the
risks entailed by an investment in the notes and the suitability of investing in the notes in light of your particular circumstances.</FONT></P>

<P STYLE="font: italic bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">The notes are
not insured or guaranteed by the FDIC or any other governmental agency.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The notes
are not savings accounts, deposits or other obligations of Origin Bank or of any of our nonbank subsidiaries. The notes are not
insured by the FDIC or any other governmental agency or public or private insurer. The notes are ineligible and may not be used
as collateral for a loan by us or Origin Bank. An investment in the notes has risks, and you may lose your entire investment.</FONT></P>

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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b009"></A>USE
OF PROCEEDS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We expect
that the net proceeds from this offering to us, after the underwriting discount and estimated offering expenses payable by us,
will be approximately $78.6 million.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We intend
to use the net proceeds from this offering, after the payment of offering expenses, for general corporate purposes, which may
include the support of Origin Bank&rsquo;s balance sheet growth, the acquisition of other banks or financial institutions or other
complementary businesses to the extent such opportunities arise, and the maintenance of our capital and liquidity ratios, and
the ratios of Origin Bank, at acceptable levels.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our management
will have broad discretion in the application of the net proceeds from this offering, and investors will be relying on the judgment
of our management with regard to the use of these net proceeds. Pending the use of the net proceeds from this offering as described
above, we may invest the net proceeds in short-term, investment-grade, interest-bearing instruments or deposit accounts.</FONT></P>


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b010"></A>CAPITALIZATION</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">You should
read this information together with our consolidated historical financial statements and the related notes thereto incorporated
by reference into this prospectus supplement and the accompanying prospectus.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
table sets forth our cash and cash equivalents and capitalization, including regulatory capital ratios, on a consolidated basis,
as of June 30, 2020, on an actual basis as of that date and as adjusted to give effect to this offering, taking into account the
expected net proceeds of such offering to us (after deducting the respective underwriting discounts and estimated offering expenses
payable by us):</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">As
    of June 30, 2020</FONT></TD><TD STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD NOWRAP STYLE="text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">(Dollars
    in thousands, except per share amounts) <BR>(unaudited)</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">Actual</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD NOWRAP STYLE="font-weight: bold; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" NOWRAP STYLE="font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">As
    <BR>
Adjusted for <BR>
    this Offering</FONT></TD><TD NOWRAP STYLE="padding-bottom: 1pt; font-weight: bold"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Cash
    and cash equivalents:</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 74%; text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Cash and
    due from banks&#9;</FONT></TD><TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="width: 8%; text-align: right"><FONT STYLE="font-size: 10pt">57,054</FONT></TD><TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="width: 3%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="width: 8%; text-align: right">135,629</TD><TD STYLE="width: 1%; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Interest-bearing
    deposits in banks&#9;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">99,282</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">99,282</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Total
    cash and cash equivalents&#9;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">156,336</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1pt; text-align: right;">234,911</P></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Liabilities:</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Noninterest-bearing deposits&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,584,746</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">1,584,746</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Interest-bearing deposits&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,041,859</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">3,041,859</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Time
    deposits&#9;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">745,617</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">745,617</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    deposits&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,372,222</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">5,372,222</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Federal Home Loan Bank
    advances and other borrowings&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">478,260</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">478,260</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Junior subordinated
    debentures, net&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">78,567</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">78,567</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Subordinated Notes offered
    hereby&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right">78,575</TD><TD STYLE="text-align: left"><SUP>(1)<FONT STYLE="font-size: 10pt">&nbsp;</FONT></SUP></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Accrued
    expenses and other liabilities&#9;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">100,079</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">100,079</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Total
    liabilities:&#9;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left">$<FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">6,029,128</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 1pt; text-align: right;"><FONT STYLE="font-size: 10pt">6,107,703</FONT></P></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Stockholders&rsquo;
    equity:</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Preferred stock, no par value, 2,000,000
    shares authorized&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&mdash;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Common stock ($5.00 par value; 50,000,000
    shares authorized; 23,501,233 shares issued at June 30, 2020)&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">117,506</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">117,506</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Additional paid-in capital&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">236,156</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">236,156</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Retained earnings&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">240,506</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">240,506</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; padding-bottom: 1pt; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Accumulated
    other comprehensive income&#9;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">20,613</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="border-bottom: Black 1pt solid; text-align: right"><FONT STYLE="font-size: 10pt">20,613</FONT></TD><TD STYLE="padding-bottom: 1pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="font-weight: bold; text-align: left; padding-bottom: 2.5pt; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Total
    stockholders&rsquo; equity&#9;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">614,781</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 2.5pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="border-bottom: Black 2.5pt double; text-align: left"><FONT STYLE="font-size: 10pt">$</FONT></TD><TD STYLE="border-bottom: Black 2.5pt double; text-align: right"><FONT STYLE="font-size: 10pt">614,781</FONT></TD><TD STYLE="padding-bottom: 2.5pt; text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="font-weight: bold; text-align: left; text-indent: -4.3pt; padding-left: 4.3pt"><FONT STYLE="font-size: 10pt">Capital
    Ratios:</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Tier 1 capital to average
    assets&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">9.10</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;8.99</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">%&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Common equity tier 1
    capital to risk-weighted assets&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10.35</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;10.35</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255)">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Tier 1 capital to risk-weighted
    assets&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">10.52</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;10.52</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="text-align: left; text-indent: -4.3pt; padding-left: 0.25in"><FONT STYLE="font-size: 10pt">Total capital to risk-weighted
    assets&#9;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">12.91</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD><TD STYLE="text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;14.33</FONT></TD><TD STYLE="text-align: left"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD></TR>
</TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 17.3pt; text-align: left"><FONT STYLE="font-size: 10pt"><SUP>(1)</SUP></FONT></TD><TD><FONT STYLE="font-size: 10pt">Represents
                                         the aggregate principal amount of the notes, reduced by the underwriting discount ($1,200,000)
                                         and our estimated offering expenses ($225,000).</FONT></TD>
</TR></TABLE>

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


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b011"></A>DESCRIPTION
OF THE NOTES</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>We
will issue the notes under the Subordinated Debt Indenture (the &ldquo;Base Indenture&rdquo;), dated as of October 16,
2020, between Origin Bancorp, Inc., as the issuer, and U.S. Bank National Association, as the trustee, which will be amended and
supplemented by a First Supplemental indenture dated as of October 16, 2020 (the &ldquo;Supplemental Indenture&rdquo;).
We refer to the Base Indenture, as amended and supplemented by the Supplemental Indenture, as the Indenture, and we refer to U.S.
Bank National Association, or U.S. Bank, in its capacity as the trustee under the Indenture, as the trustee. The notes will be
issued under and governed by the Indenture. You may request a copy of the Indenture from us as described under &ldquo;Where You
Can Find More Information&rdquo; in the accompanying prospectus. The following description of the terms of the notes supplements,
and, to the extent it is inconsistent therewith, replaces, the summary of certain provisions of our debt securities set forth
in the accompanying prospectus. The following summary of certain provisions of the notes in this prospectus supplement and the
summary of certain provisions of our debt securities and the Indenture in the accompanying prospectus do not purport to be complete
and are subject to and qualified in their entirety by reference to all of the provisions of the notes and the Indenture, including
the definitions of certain terms used in the notes and the Indenture. We urge you to read these documents because they, and not
this description, define your rights as a holder of the notes.</I></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For the
purposes of this &ldquo;Description of the Notes,&rdquo; all references to &ldquo;Origin,&rdquo; the &ldquo;Company,&rdquo; &ldquo;our
Company,&rdquo; &ldquo;we,&rdquo; &ldquo;us,&rdquo; &ldquo;our&rdquo; and &ldquo;ours&rdquo; or similar references mean only Origin
Bancorp, Inc. and not any of its subsidiaries.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes will be unsecured, subordinated obligations of the Company and will mature on November 1, 2030 unless redeemed prior
to such date in accordance with the provisions set forth below under &ldquo;&mdash;Optional Redemption and Redemption Upon Special
Events.&rdquo; The notes will be issued and may be transferred only in denominations of $1,000 or any amount in excess thereof
that is an integral multiple of $1,000.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless
previously redeemed prior to maturity, we will repay the notes at 100% of their principal amount, together with accrued and unpaid
interest thereon to, but excluding, the maturity date, at their maturity. We will pay principal of and interest on the notes in
U.S. dollars.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes will constitute our unsecured debt obligations and will rank equally among themselves, and will rank junior in right of
payment to our senior indebtedness as described below in &ldquo;&mdash;Subordination of the Notes.&rdquo; No sinking fund will
exist for the notes, and no sinking fund payments will be made with respect to the notes. The notes will not be convertible into
or exchangeable for any other securities or property. The notes will not be subject to defeasance or covenant defeasance. Except
as described below under &ldquo;&mdash;Clearance and Settlement&rdquo; and limited instances described in the Indenture, the notes
will be issued only in book-entry form and will be represented by one or more global notes registered in the name of Cede&nbsp;&amp;
Co., as the nominee of DTC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes are a part of a series of our subordinated debt securities that will be established under the Indenture upon execution by
us and the trustee of the Base Indenture and the Supplemental Indenture. We may, from time to time, without notice to, or the
consent of, the holders of the notes, create and issue additional notes ranking equally with the notes and identical to the notes
previously issued in all respects (except for the issue date, the offering price, the payment of interest accruing prior to the
issue date of such additional notes and the first payment of interest following the issue date of such additional notes) in order
that such additional notes may be consolidated and form a single series with the notes and have the same terms as to status, redemption
or otherwise as the notes. However, any additional notes of the series of which the notes are a part that are issued and are not
fungible with the outstanding notes for U.S. federal income tax purposes, subject to the procedures of DTC, will be issued under
one or more separate CUSIP numbers and ISIN numbers. No limit exists on the aggregate principal amount of the additional notes
of this series of notes that we may issue in the future.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
the Indenture nor the notes contain any covenants prohibiting us (including Origin Bank and our other subsidiaries) from, or limiting
our right to, incur additional indebtedness or obligations, including senior </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">indebtedness, to grant liens on our assets to secure
our indebtedness, to repurchase our stock or other securities, including any of the notes, or to pay dividends or make other distributions
to our shareholders. The Indenture contains no financial covenants requiring us to achieve or maintain any minimum financial results
relating to our financial position or results of operations or meet or exceed any financial ratios, as a general matter or in
order to incur additional indebtedness or obligations, or to maintain any reserves. In addition, neither the Indenture nor the
notes contain any provision that would provide protection to the holders of the notes against a sudden and dramatic decline in
our credit quality, including resulting from a merger, takeover, recapitalization or similar restructuring or other events involving
us or our subsidiaries that may adversely affect our credit quality.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes and the Indenture are governed by and shall be construed in accordance with the laws of the State of New York.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes are not deposits in Origin Bank and are not insured or guaranteed by the FDIC or any other government agency or instrumentality.
The notes are solely obligations of the Company and are neither obligations of, nor guaranteed by, Origin Bank or any of our other
subsidiaries or affiliates.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No
recourse under or upon any obligation, covenant or agreement contained in the Indenture, or in any note, or because of any indebtedness
evidenced thereby, shall be had against any incorporator, or against any past, present or future stockholder, officer or director,
as such, of ours or of any successor corporation, either directly or through us or any successor corporation, under any rule of
law, statute or constitutional provision or by the enforcement of any assessment or by any legal or equitable proceeding or otherwise,
it being expressly understood that all such liability is waived and released by the acceptance of the notes and as part of the
consideration for issuance of the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Payment
of Principal and Interest</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Payment
of the full principal amount of the notes will be due on November 1, 2030, or the maturity date, unless the notes are redeemed
prior to the maturity date.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B><I>Fixed
Rate Period</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">From
and including the date of issuance to, but excluding, November 1, 2025 (unless redeemed prior to such date as contemplated
below under &ldquo;&mdash;Optional Redemption and Redemption Upon Special Events&rdquo;), which we refer to as the &ldquo;Fixed
Rate Period,&rdquo; the notes will bear interest at a fixed rate of 4.50% per annum. During the Fixed Rate Period, interest
on the notes will accrue from and including October 16, 2020, and will be payable semi-annually in arrears on May 1
and November 1 during the Fixed Rate Period, each a &ldquo;Fixed Rate Interest Payment Date,&rdquo; commencing on May
1, 2021. The last Fixed Rate Interest Payment Date shall be November 1, 2025, unless the notes are earlier redeemed.
During the Fixed Rate Period, interest will be computed on the basis of a 360-day year consisting of twelve 30-day months. Dollar
amounts resulting from interest calculations will be rounded to the nearest cent, with one-half cent being rounded upward. The
interest payable on the notes on any Fixed Rate Interest Payment Date will, except as noted below, be paid to the person in whose
name the notes are registered at the close of business on the fifteenth day (whether or not a business day (as defined below))
immediately preceding the Fixed Rate Interest Payment Date. If any Fixed Rate Interest Payment Date for the notes or the date
for the payment of principal for the notes occurring during the Fixed Rate Period falls on a day that is not a business day, the
Company will postpone the interest or principal payment to the next succeeding business day, but the payments made on such dates
will be treated as being made on the date that the payment was first due and the holders of the notes will not be entitled to
any further interest, principal or other payments with respect to such postponements.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B><I>Floating
Rate Period</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">From
and including November 1, 2025 to, but excluding, the maturity date (unless redeemed prior to such date as contemplated
below under &ldquo;&mdash;Optional Redemption and Redemption Upon Special Events,&rdquo;), which we refer to as the &ldquo;Floating
Rate Period,&rdquo; the notes will bear interest at a floating rate per annum equal to the then-current Benchmark (which is expected
initially to be Three-Month Term SOFR), reset for each Floating Rate Interest Period, plus 432 basis points. Notwithstanding
the foregoing, if the Benchmark is less than zero, the Benchmark shall be deemed to be zero.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">During
the Floating Rate Period, interest on the notes will be payable quarterly in arrears on February 1, May 1, August 1 and November
1 of each year, each a &ldquo;Floating Period Interest Payment Date&rdquo; and, together with any Fixed Rate Interest Payment
Date, an &ldquo;Interest Payment Date,&rdquo; commencing on February 1, 2026, and interest will be computed on the basis
of a 360-day year and the actual number of days elapsed. Dollar amounts resulting from interest calculations will be rounded to
the nearest cent, with one-half cent being rounded upward.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For
the purpose of calculating the interest on the notes for each Floating Rate Interest Period during the Floating Rate Period when
the Benchmark is Three-Month Term SOFR, &ldquo;Three-Month Term SOFR&rdquo; means the rate for Term SOFR for a tenor of three
months that is published by the Term SOFR Administrator at the Reference Time for any Floating Rate Interest Period, as determined
by the calculation agent after giving effect to the Three-Month Term SOFR Conventions. All percentages used in or resulting from
any calculation of Three-Month Term SOFR shall be rounded, if necessary, to the nearest one-hundred-thousandth of a percentage
point, with 0.000005% rounded up to 0.00001%. When we use the term &ldquo;Floating Rate Interest Period&rdquo; we mean the period
from and including the immediately preceding Floating Period Interest Payment Date in respect of which interest has been paid
or duly provided for, to, but excluding, the applicable Floating Period Interest Payment Date or maturity date or date of earlier
redemption, if applicable (except that the first Floating Rate Interest Period will commence on November 1, 2025). See
&ldquo;Calculation Agent.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
following definitions apply to the foregoing definition of Three-Month Term SOFR:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Benchmark&rdquo;
means, initially, Three-Month Term SOFR; <I>provided </I>that, if the calculation agent determines on or prior to the Reference
Time for any Floating Rate Interest Period that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred
with respect to Three-Month Term SOFR or the then-current Benchmark, then &ldquo;Benchmark&rdquo; means the applicable Benchmark
Replacement for such Floating Rate Interest Period and any subsequent Floating Rate Interest Periods. Notwithstanding the foregoing,
if the Benchmark is less than zero, then the Benchmark shall be deemed to be zero.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Corresponding
Tenor&rdquo; means (i)&nbsp;with respect to Term SOFR, three months, and (ii)&nbsp;with respect to a Benchmark Replacement, a
tenor (including overnight) having approximately the same length (disregarding business day adjustment) as the applicable tenor
for the then-current Benchmark.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Federal
Reserve&rdquo; means the Board of Governors of the Federal Reserve System or any successor federal banking agency.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;FRBNY&rsquo;s
Website&rdquo; means the website of the Federal Reserve Bank of New York (the &ldquo;FRBNY&rdquo;) at http://www.newyorkfed.org,
or any successor source. The foregoing Internet website is an inactive textual reference only, meaning that the information contained
on the website is not part of this prospectus supplement or the accompanying prospectus or incorporated by reference herein or
therein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Reference
Time&rdquo; with respect to any determination of the Benchmark during the Floating Rate Period means (i)&nbsp;if the Benchmark
is Three-Month Term SOFR, the time determined by the calculation agent after giving effect to the Three-Month Term SOFR Conventions,
and (ii)&nbsp;if the Benchmark is not Three-Month Term SOFR, the time determined by the calculation agent after giving effect
to the Benchmark Replacement Conforming Changes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Relevant
Governmental Body&rdquo; means the Federal Reserve and/or the FRBNY, or a committee officially endorsed or convened by the Federal
Reserve and/or the FRBNY or any successor thereto.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;SOFR&rdquo;
means the secured overnight financing rate published by the FRBNY, as the administrator of the Benchmark (or any successor administrator),
on the FRBNY&rsquo;s Website.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Term
SOFR&rdquo; means the forward-looking term rate for the applicable Corresponding Tenor based on SOFR that has been selected or
recommended by the Relevant Governmental Body.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Term
SOFR Administrator&rdquo; means any entity designated by the Relevant Governmental Body as the administrator of Term SOFR (or
any successor administrator).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Three-Month
Term SOFR Conventions&rdquo; means any determination, decision, or election with respect to any technical, administrative, or
operational matter (including, without limitation, with respect to the manner and timing of the publication of Three-Month Term
SOFR, or changes to the definition of &ldquo;Floating Rate Interest Period,&rdquo; timing and frequency of determining Three-Month
Term SOFR with respect to each Floating Rate Interest Period and making payments of interest, rounding of amounts or tenors, and
other administrative matters) that the calculation agent determines may be appropriate to reflect the use of Three-Month Term
SOFR as the Benchmark in a manner substantially consistent with market practice (or, if the calculation agent determines that
adoption of any portion of such market practice is not administratively feasible or if the calculation agent determines that no
market practice for the use of Three-Month Term SOFR exists, in such other manner as the calculation agent determines is reasonably
necessary).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">The terms
&ldquo;Benchmark Replacement Conforming Changes,&rdquo; &ldquo;Benchmark Replacement Date,&rdquo; &ldquo;Benchmark Replacement,&rdquo;
&ldquo;Benchmark Replacement Adjustment,&rdquo; and &ldquo;Benchmark Transition Event&rdquo; have the meanings set forth under
the heading &ldquo;&mdash;Effect of Benchmark Transition Event.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding
the foregoing paragraphs related to the determination of interest, if the calculation agent determines on or prior to the relevant
Reference Time that a Benchmark Transition Event and its related Benchmark Replacement Date (each as defined below) have occurred
with respect to the then-current Benchmark (which is initially expected to be Three-Month Term SOFR), then the provisions set
forth under the heading &ldquo;&mdash;Effect of Benchmark Transition Event,&rdquo; which we refer to as the &ldquo;benchmark transition
provisions,&rdquo; will thereafter apply to all determinations of the Benchmark used to calculate the interest rate on the notes
for each remaining Floating Rate Interest Period. In accordance with the benchmark transition provisions, if the calculation agent
determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred on or prior to the Reference
Time in respect of any Floating Rate Interest Period during the Floating Rate Period, then the Benchmark Replacement will replace
the then-current Benchmark for all purposes relating to the notes during such Floating Rate Interest Period and the remainder
of the Floating Rate Period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Absent
manifest error, the calculation agent&rsquo;s determination of the interest rate for a Floating Rate Interest Period for the notes
will be conclusive and binding on you, us (if we are not also the calculation agent) and the trustee (if the trustee is not also
the calculation agent). By its acquisition of the notes, each holder of notes (including, for the avoidance of doubt, each beneficial
owner) acknowledges, accepts, consents to and agrees to be bound by our and the calculation agent&rsquo;s determination of the
interest rate for each Floating Rate Interest Period, including our and its determination of any Benchmark Replacement Conforming
Changes, Benchmark Replacement Date, Benchmark Replacement, Benchmark Replacement Adjustment, and Benchmark Transition Event,
including as may occur without any prior notice from us or the calculation agent and without the need for us or it to obtain any
further consent from any holder. The calculation agent&rsquo;s determination of any interest rate, and its calculation of interest
payments, for any Floating Rate Interest Period, will be maintained on file at the calculation agent&rsquo;s principal offices,
will be made available to any holder of the notes upon request and will be provided to the trustee. The calculation agent will
provide us and the trustee (if the trustee is not also the calculation agent) with the interest rate in effect for each Interest
Period during the Floating Rate Period promptly once available but in no event later than fifteen days prior to any Floating Rate
Interest Payment Date.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If
the then-current Benchmark is Three-Month Term SOFR, the calculation agent will have the right to establish the Three-Month Term
SOFR Conventions, and if any of the provisions in the Indenture concerning the calculation of the interest rate and interest payments
during the Floating Rate Period are inconsistent with any of the Three-Month Term SOFR Conventions determined by the calculation
agent, then the relevant Three-Month Term SOFR Conventions will apply. Furthermore, if the calculation agent determines that a
Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or another
applicable Benchmark at any time when any of the notes are outstanding, then the calculation of the interest rate and interest
payments during the Floating Rate Period will be modified in accordance with the benchmark transition provisions.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">When we use the
term &ldquo;business day,&rdquo; we mean any day other than a Saturday, Sunday or other day on which banking institutions in the
City of New York, New York, are authorized or obligated by law, regulation or executive order to close or, with respect to any
place of payment or any other particular location referred to in the </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">Indenture, a day that in the city (or in any one of the cities,
if more than one) in which amounts are payable is not a day on which banking institutions are authorized or required by law or
regulation to be closed.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Payments will
include interest accrued to, but excluding, the relevant Floating Period Interest Payment Date. In the event that any Floating
Period Interest Payment Date or the maturity date for the notes falls on a day that is not a business day, then payment of interest
payable on such Floating Period Interest Payment Date or of principal and interest payable on the maturity date will be paid on
the next succeeding day which is a business day. The interest payable on the notes on any Floating Period Interest Payment Date,
subject to certain exceptions, will be paid to the person in whose name the notes are registered at the close of business the
fifteenth day (whether or not a business day) immediately preceding the Floating Period Interest Payment Date.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">So long as the
notes are issued in the form of one or more global securities, we or the paying agent shall make all payments of principal and
interest on the notes in U.S. dollars by wire transfer in immediately available funds to DTC or its nominee, in accordance with
applicable procedures of DTC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Subordination
of the Notes</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our
obligation to make any payment on account of the principal of, or interest on, the notes will be subordinate and junior in right
of payment to the prior payment in full of all of our senior indebtedness, as defined below.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&ldquo;Senior
indebtedness&rdquo; means the principal of, and premium, if any, and unpaid interest, including interest accruing on or after
the filing of any petition in bankruptcy or for reorganization relating to the Company, whether or not a claim for post-filing
interest is allowed in such proceeding), fees, charges, expenses, reimbursement and indemnification obligations, and all other
amounts payable under or in respect of the following categories of debt, whether that debt is outstanding on the date of execution
of the Indenture or thereafter incurred, created or assumed:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">all
                                         obligations for borrowed money;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">all
                                         obligations evidenced by debentures, notes, debt securities or other similar instruments
                                         (including our obligations pursuant to the Revolving Promissory Note payable to the order
                                         of NexBank, dated October 5, 2018);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">all
                                         obligations in respect of letters of credit, security purchase facilities or bankers
                                         acceptances or similar instruments (or reimbursement obligations with respect thereto);</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         deferred obligation of the Company, or any such obligation directly or indirectly guaranteed
                                         by the Company, incurred in connection with the acquisition of any business, properties
                                         or assets or delivery of services not evidenced by a note or similar instrument given
                                         in connection therewith, except trade accounts payable arising in the ordinary course
                                         of business;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">indebtedness
                                         secured by any mortgage, pledge, lien, charge, encumbrance or any security interest existing
                                         on property owned by the Company;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Company&rsquo;s obligation to make payment pursuant to the terms of certain financial
                                         instruments such as (A) securities contracts, interest rate, currency future or exchange
                                         contracts and foreign exchange contracts, (B) derivative instruments, such as swap agreements
                                         (including interest rate and foreign exchange rate swap agreements), cap agreements,
                                         floor agreements, collar agreements, interest rate agreements, foreign exchange rate
                                         agreements, options, commodity futures contracts and commodity options contracts and
                                         (C) financial instruments similar to those set forth in (A) or (B) above;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">an
                                         obligation of the Company, or any such obligation directly or indirectly guaranteed by
                                         the Company, for purchase money or funds or similar obligations;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
Company&rsquo;s obligation under direct credit substitutes;</FONT></TD></TR></TABLE>
                                         <TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif">obligations
to general creditors of the Company;</TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         deferred obligation of, or any such obligation, directly or indirectly guaranteed by,
                                         the Company which obligation is incurred in connection with the acquisition of any business,
                                         properties or assets not evidenced by a note or similar instrument given in connection
                                         therewith;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">all
                                         obligations of the type referred to in the bullets above of other persons for the payment
                                         of which the Company is responsible or liable as obligor, guarantor or otherwise, whether
                                         or not classified as a liability on a balance sheet prepared in accordance with GAAP;
                                         and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         renewals, amendments, deferrals, supplements, extensions, refundings or replacements
                                         of any of the indebtedness described above.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
term &ldquo;purchase money&rdquo; obligations means indebtedness, obligations evidenced by a note, debenture, bond or other instrument,
whether or not secured by a lien or other security interest, issued to evidence the obligation to pay or a guarantee of the payment
of, and any deferred obligation for the payment of, the purchase price of property but excluding indebtedness or obligations for
which recourse is limited to the property purchased, issued or assumed as all or a part of the consideration for the acquisition
of property or services, whether by purchase, merger consolidation or otherwise, but does not include any trade accounts payable.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">However,
                                         &ldquo;senior indebtedness&rdquo; excludes:</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         indebtedness, obligation or liability as to which, in the instrument creating or evidencing
                                         such indebtedness or pursuant to which the indebtedness is outstanding, it is provided
                                         that such indebtedness, obligation or liability is not superior in right of payment to
                                         the notes, or ranks pari passu with the notes;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         such indebtedness, obligation or liability which is subordinated to indebtedness of the
                                         Company to substantially the same extent as, or to a greater extent than, the notes are
                                         subordinated;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">any
                                         indebtedness to a Subsidiary; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         notes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding
the foregoing, if the Federal Reserve (or any successor regulatory authority with jurisdiction over bank holding companies) or
other regulatory agency or authority promulgates any rule or issues any interpretation that defines general creditor(s), the main
purpose of which is to establish criteria for determining whether the subordinated debt of a bank holding company is to be included
in its capital, then the term &ldquo;general creditors&rdquo; as used in the definition of&nbsp; &ldquo;senior indebtedness&rdquo;
in the Indenture will have the meaning as described in that rule or interpretation.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
accordance with the subordination provisions of the Indenture and the notes, the Indenture prohibits payments of principal, premium,
if any, or interest on the notes, and we are restricted from acquiring any notes for cash or property, other than capital stock,
upon any of the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                                                                                                                                                                               default (i) in the payment of principal, premium, if any, or interest of any senior indebtedness has occurred that is
                                                                                                                                                                                               continuing beyond any applicable                                          grace period or (ii) arises from certain insolvency
                                                                                                                                                                                               events and, in the case of (i) and                                          (ii), holders of such senior indebtedness have
                                                                                                                                                                                               accelerated the maturity of such senior                                          indebtedness;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         default on senior indebtedness (other than those referenced above) occurs and is continuing
                                         and the holders of such senior indebtedness accelerate the maturity of such senior indebtedness;
                                         provided, that a holder of such senior indebtedness (or a representative on their behalf)
                                         shall have provided written notice to us of such acceleration due to such event of default;
                                         or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         default of any senior indebtedness that is the subject of judicial proceedings or the
                                         trustee receives a notice of default from us.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
the event of (a) any insolvency or bankruptcy case or proceeding, or any receivership, liquidation, reorganization or other similar
case or proceeding against us, or (b) our liquidation, dissolution or other winding up, whether voluntary or involuntary and whether
or not involving insolvency or bankruptcy, or (c) any </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">assignment for the benefit of creditors or any other marshalling of our
assets and liabilities ((a) through (c), an &ldquo;Insolvency Event&rdquo;), we must pay to the holders of all of our senior indebtedness
the full amounts of principal of, and premium, if any, additional amounts owing in respect thereof, if any, and interest on, that
senior indebtedness before any payment is made on the notes. If, after we have paid the senior indebtedness in full, there are
any amounts available for payment of the notes and any of our other indebtedness and obligations ranking equally in right of payment
with the notes, then we will use such remaining assets to pay the amounts of principal, premium, if any, and accrued and unpaid
interest on, the notes and such other of our indebtedness and obligations that rank equally in right of payment with the notes.
If those assets are insufficient to pay in full the principal, premium, if any, and interest on the notes and such other indebtedness
and obligations, those assets will be applicable ratably to the payment of such amounts owing with respect to the notes and such
other indebtedness and obligations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
the event of the insolvency related events described above, if the holders of the notes or the trustee receive for any reason
any payment on the notes or other distributions of our assets with respect to the notes before all of our senior indebtedness
is paid in full, the holders of the notes will be required to return that payment or distribution to the trustee in bankruptcy,
receiver, liquidating trustee, custodian, assignee, agent or other person making payment or distribution of assets of the Company
for application to the payment of all Senior Indebtedness remaining unpaid until all that senior indebtedness has been paid in
full, after giving effect to any other concurrent payment or distribution to the holders of such senior indebtedness.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">By
reason of the above subordination in favor of the holders of our senior indebtedness, in the event of our bankruptcy or insolvency,
holders of our senior indebtedness may receive more, ratably, and holders of the notes may receive less, ratably, than our other
creditors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In
addition, we may incur other indebtedness and obligations, the terms of which provide that such indebtedness ranks either equally
with or junior in right of payment to the notes or promissory notes, bonds, debentures and other evidences of indebtedness of
a type that includes the notes. We have outstanding junior subordinated debentures that relate to outstanding trust preferred
securities issued by certain special purpose trusts to which the notes will rank senior in right of payment. As discussed above,
in the event of our insolvency or similar proceedings, the indebtedness and obligations ranking equally with the notes will participate
ratably in any of our assets remaining after the payment in full of all of our senior indebtedness. In such circumstances, our
indebtedness and other obligations junior in right of payment to the notes, such as our junior subordinated debentures, will not
be entitled to receive any payments until the notes and all of our indebtedness and obligations ranking equally in right of payment
to the notes have been paid in full.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All
liabilities of Origin Bank, including deposits, and our other subsidiaries, including each subsidiary&rsquo;s liabilities to general
creditors arising during its ordinary course of business or otherwise, will be effectively senior in right of payment to the notes
to the extent of the assets of such subsidiary because, as a shareholder of the subsidiary, we do not have any rights to the assets
of the subsidiary except if the subsidiary declares a dividend payable to us or if there are assets of the subsidiary remaining
after it has discharged its liabilities to its creditors in connection with its liquidation. As a result of the foregoing, with
respect to the assets of each of our subsidiaries, our creditors (including the holders of the notes) are structurally subordinated
to the prior claims of creditors of any such subsidiary, including the depositors of Origin Bank, except to the extent that we
may be a creditor with recognized claims against any such subsidiary.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Over
the term of the notes, we will need to rely primarily on dividends paid to us by Origin Bank, which is a regulated financial institution,
for the funds necessary to pay the interest on our outstanding debt obligations, including the notes, and to make dividends and
other payments on our other securities outstanding now or in the future. Regulatory rules may restrict Origin Bank&rsquo;s ability
to pay dividends or make other distributions to us or to provide funds to us by other means. With respect to the payment of the
principal of the notes at their maturity, we may rely on the funds we receive from dividends paid to us by Origin Bank or our
other subsidiaries or on the proceeds of borrowings and other securities we sell to pay the principal amount of the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As
discussed above, neither the notes nor the Indenture contains any limitation on the amount of senior indebtedness or other obligations
ranking senior or structurally senior to or equally with the indebtedness evidenced by the notes that we, Origin Bank or any of
our other subsidiaries may incur. Any indebtedness and </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">liabilities of Origin Bank or our other subsidiaries is not a part of our
senior indebtedness, but as discussed above, the notes will be effectively subordinate to all of the existing and future indebtedness
and liabilities, including deposit liabilities, of our subsidiaries, including Origin Bank. As of June 30, 2020, Origin Bank and
our other subsidiaries had outstanding indebtedness (including Origin Bank&rsquo;s outstanding 4.25% fixed-to-floating subordinated
notes), total deposits and other liabilities of approximately $6.02 billion, excluding intercompany liabilities, all of which
ranks structurally senior to the notes. As of June 30, 2020, we did not have subordinated indebtedness outstanding ranking equally
with the notes and we had $10.8 million of subordinated indebtedness (which was comprised of our existing junior subordinated
debentures underlying outstanding trust preferred securities) outstanding ranking junior to the notes. We also have a $50 million
senior revolving credit facility under which no amount is drawn as of the date of this prospectus supplement, but if drawn
such amount would constitute senior indebtedness.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Optional
Redemption and Redemption Upon Special Events</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
may redeem the notes, at our option, beginning with the Interest Payment Date of November 1, 2025, and on any Interest
Payment Date thereafter, in whole or in part, at a redemption price equal to 100% of the principal amount of the notes to be redeemed,
plus accrued and unpaid interest to, but excluding, the date of redemption, subject to prior approval of the Federal Reserve,
to the extent that such approval is then required under the rules of the Federal Reserve.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If
we elect to redeem the notes, we or the trustee will give notice of the redemption to holders of the notes to be redeemed which
will include, in addition to other information, the date fixed for redemption and the redemption price. Any notice of redemption
may be conditional in our discretion on one or more conditions precedent, and the redemption date may be delayed until such time
as any or all of such conditions have been satisfied or revoked by us if we determine that such conditions will not be satisfied.
If fewer than all of the notes are to be redeemed, such partial redemption will be made in accordance with DTC&rsquo;s applicable
procedures among all holders. The notes are not subject to repayment at the option of the holders.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes may not otherwise be redeemed by us prior to the scheduled maturity of the notes, except we may, at our sole option, redeem
the notes at any time before the scheduled maturity of the notes, including prior to November 1, 2025, in whole, but not
in part, upon or after the occurrence of any of the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         &ldquo;Tax Event,&rdquo; which is defined in the Indenture to mean the receipt by us
                                         of an opinion of independent tax counsel to the effect that as a result of (a) an amendment
                                         to or change (including any announced prospective amendment or change) in any law, statute
                                         code or treaty, or any regulation thereunder, of the United States or any of its political
                                         subdivisions or taxing authorities; (b) a judicial decision, administrative action, official
                                         administrative pronouncement, ruling, regulatory procedure, regulation, notice or announcement,
                                         including any notice or announcement of intent to adopt or promulgate any ruling, regulatory
                                         procedure or regulation (any of the foregoing, an &ldquo;administrative or judicial action&rdquo;);
                                         (c) an amendment to or change in any official position with respect to, or any interpretation
                                         of, an administrative or judicial action or a law or regulation of the United States
                                         that differs from the previously generally accepted position or interpretation; or (d)
                                         a threatened challenge asserted in writing in connection with an audit of our federal
                                         income tax returns or positions or a similar audit of any of our subsidiaries or a publicly
                                         known threatened challenge asserted in writing against any other taxpayer that has raised
                                         capital through the issuance of securities that are substantially similar to the notes,
                                         in each case, which change or amendment or challenge becomes effective or which pronouncement,
                                         decision or challenge becomes publicly known on or after the date of original issuance
                                         of the notes, resulting in more than an insubstantial risk that interest payable by us
                                         on the notes is not, or, within 90 days of the date of such opinion of tax counsel, will
                                         not be, deductible, in whole or in part, for United States federal income tax purposes;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
&ldquo;Tier 2 Capital Event,&rdquo; which is defined in the Indenture to mean our good faith determination that, as a result of
(a) any amendment to, clarification of, or change in (including any announced prospective change), the laws, rules or regulations
of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United States, including the
Federal Reserve and other federal bank</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0">                                                                                                                                         <TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif">regulatory agencies)
                                         or any political subdivision of or in the United States that is enacted or becomes effective
                                         after the date of original issuance of the notes, (b) any proposed change in those laws,
                                         rules or regulations that is announced or becomes effective after the date of original
                                         issuance of the notes, or (c) any official administrative decision or judicial decision
                                         or administrative action or other official pronouncement interpreting or applying those
                                         laws, rules, regulations, policies or guidelines with respect thereto that is announced
                                         after the date of original issuance of the notes, there is more than an insubstantial
                                         risk that we will not be entitled to treat the notes then outstanding as &ldquo;Tier
                                         2 Capital&rdquo; (or its equivalent), for purposes of the capital adequacy rules or regulations
                                         of the Federal Reserve (or any regulatory authority with jurisdiction over bank holding
                                         companies), as then in effect and applicable to us, for so long as any notes are outstanding;
                                         or</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">our
                                         becoming required to register as an investment company pursuant to the Investment Company
                                         Act of 1940, as amended.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any
such redemption of the notes will be at a redemption price equal to 100% of the principal amount of the notes to be redeemed,
plus accrued and unpaid interest to, but excluding, the date of redemption. Notwithstanding the foregoing, installments of interest
on any notes that are due and payable on Interest Payment Dates falling on or prior to the applicable date of redemption will
be payable on such Interest Payment Dates to the registered holders at the close of business on the relevant record dates in accordance
with the notes and the Indenture. Any redemption of the notes would require prior approval of the Federal Reserve, to the extent
that such approval is then required under the rules of the Federal Reserve.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>The
Notes Are Intended to Qualify as Tier&nbsp;2 Capital</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
intend to treat the notes as Tier 2 capital under the capital adequacy rules established by the Federal Reserve for bank holding
companies, as the same may be amended or supplemented from time to time. The rules set forth specific criteria for instruments
to qualify as Tier&nbsp;2 capital. Among other things, the notes must:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">be
                                         unsecured;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">have
                                         a minimum original maturity of at least five years;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">be
                                         subordinated to depositors and general creditors, which, in our case, will be to the
                                         holders of our senior indebtedness;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">not
                                         contain provisions permitting the holders of the notes to accelerate payment of principal
                                         prior to maturity except in the event of receivership, insolvency, liquidation or similar
                                         proceedings of the institution;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">only
                                         be callable after a minimum of five years following issuance, except upon certain special
                                         events, and, in any case, subject to obtaining the prior approval of the Federal Reserve
                                         to the extent such approval is then required under the rules of the Federal Reserve;
                                         and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">unless
                                         the Federal Reserve authorizes us to do otherwise in writing, not be redeemed or repurchased
                                         unless they are replaced with an equivalent amount of other Tier 2 capital instruments
                                         or we can demonstrate to the satisfaction of the Federal Reserve that following redemption,
                                         we will continue to hold capital commensurate with our risk.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Events
of Default; Limitation on Suits</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
the Indenture, an event of default will occur upon the occurrence and continuance of any of the following:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">default
                                         in (i) the payment of the principal of (or premium, if any, on) any of the notes as and
                                         when the same shall become due and payable either at maturity, upon redemption, by declaration
                                         or otherwise or (ii) any payment required by any sinking or analogous fund established
                                         with respect to that series;</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">default
                                         in the payment of any installment of interest upon any of the notes as and when the same
                                         shall become due and payable, and continuance of such default for a period of 90 days;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 38.85pt; text-align: left"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">failure
                                         on the part of the Company duly to observe or perform any other of the covenants or agreements
                                         on the part of the Company contained in the notes or in this Indenture for a period of
                                         90 days after the date on which written notice of such failure, requiring the Company
                                         to remedy the same, shall have been given to the Company by the trustee, or to the Company
                                         and the trustee by the holders of at least 25% in aggregate principal amount of the notes
                                         outstanding;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 38.85pt; text-align: left"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">4)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         court having jurisdiction in the premises shall enter a decree or order for relief in
                                         respect of the Company in an involuntary case or proceeding under any applicable bankruptcy,
                                         insolvency or other similar law now or hereafter in effect, or appointing a receiver,
                                         liquidator, assignee, custodian, trustee, sequestrator (or similar official) of the Company, or ordering the winding-up
                                         or liquidation of the Company&rsquo;s affairs and such decree or order shall remain unstayed and in effect
                                         for a period of 60 consecutive days; or</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 38.85pt; text-align: left"></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">5)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         Company shall commence a voluntary case or proceeding under any applicable bankruptcy,
                                         insolvency or other similar law now or hereafter in effect, or shall consent to the entry
                                         of a decree or order for relief in an involuntary case under any such law, or shall consent
                                         to the appointment of or taking possession by a receiver, liquidator, assignee, trustee,
                                         custodian, sequestrator (or similar official) of the Company, or shall make any general assignment for the benefit of creditors.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If
an event of default described above in items 4 and 5 (an &ldquo;Insolvency Event of Default&rdquo;) has occurred and is continuing,
unless the principal of all the notes has already become due and payable, the principal amount of all the notes shall be automatically
deemed immediately due and payable. Because we will treat the notes as Tier 2 capital, upon the occurrence of an event of default
other than an Insolvency Event of Default, neither the trustee nor the holders of the notes may accelerate the maturity of the
notes and make the principal of, and any accrued and unpaid interest on, the notes, immediately due and payable, including in
the case of our failure to pay the principal of, or interest on, the notes or our nonperformance of any other covenant or warranty
under the notes or the Indenture. The holders of a majority in aggregate principal amount of outstanding notes may waive all defaults
and rescind and annul any acceleration of the notes. Even in the event of an acceleration of the maturity of the notes upon the
occurrence of an Insolvency Event of Default, the rights of the holders of the notes to receive payment of the principal of, and
accrued and unpaid interest on, the notes remain subject to the subordination provisions of the notes as discussed above under
&ldquo;&mdash;Subordination of the Notes.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Nevertheless,
during the continuation of such an event of default under the notes, the trustee may, subject to certain limitations and conditions,
seek to enforce its rights and the rights of the holders of notes to regularly scheduled payments of interest and the payment
of principal at the scheduled maturity of the notes, as well as the performance of any covenant or agreement in the Indenture.
Any such rights to receive payment of such amounts under the notes remain subject to the subordination provisions of the notes
as discussed above under &ldquo;&mdash;Subordination of the Notes.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
Indenture provides that, during the continuation of an event of default, the trustee will be under no obligation to exercise any of its rights or powers under the Indenture at
the request, order or direction of any of the holders of notes pursuant to the terms of the Indenture unless such holders shall
have offered to the trustee indemnity or security reasonably satisfactory to the trustee against the losses, costs, expenses and
liabilities that may be incurred by it in complying with such request, order or direction. Subject to certain provisions in the
Indenture, the holders of a majority in principal amount of the notes outstanding from time to time will have the right to direct
the time, method and place of conducting any proceeding for any remedy available to the trustee or exercising any trust or power
conferred on the trustee with respect to the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Effect
of Benchmark Transition Event</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If
the calculation agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with
respect to the then-current Benchmark on or prior to the Reference Time in respect of any Floating Rate Interest Period during
the Floating Rate Period, then the Benchmark Replacement </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">will replace the then-current Benchmark for all purposes relating to
the notes during such Floating Rate Interest Period and all subsequent Floating Rate Interest Periods. In connection with the
implementation of a Benchmark Replacement, the calculation agent will have the right to make Benchmark Replacement Conforming
Changes from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">As used
herein:</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Benchmark
Replacement&rdquo; means the Interpolated Benchmark with respect to the then-current Benchmark, plus the Benchmark Replacement
Adjustment for such Interpolated Benchmark; <I>provided </I>that if (i)&nbsp;the calculation agent cannot determine the Interpolated
Benchmark as of the Benchmark Replacement Date or (ii)&nbsp;the then-current Benchmark is Three-Month Term SOFR and a Benchmark
Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR (in which event
no Interpolated Benchmark with respect to Three-Month Term SOFR shall be determined), then &ldquo;Benchmark Replacement&rdquo;
means the first alternative set forth in the order below that can be determined by the calculation agent as of the Benchmark Replacement
Date:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Compounded
                                         SOFR;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         sum of: (a)&nbsp;the alternate rate that has been selected or recommended by the Relevant
                                         Governmental Body as the replacement for the then-current Benchmark for the applicable
                                         Corresponding Tenor and (b)&nbsp;the Benchmark Replacement Adjustment;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         sum of: (a)&nbsp;the ISDA Fallback Rate and (b)&nbsp;the Benchmark Replacement Adjustment;
                                         or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">4)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         sum of: (a)&nbsp;the alternate rate that has been selected by the calculation agent as
                                         the replacement for the then-current Benchmark for the applicable Corresponding Tenor,
                                         giving due consideration to any industry-accepted rate as a replacement for the then-current
                                         Benchmark for U.S. dollar-denominated floating rate securities at such time, and (b)&nbsp;the
                                         Benchmark Replacement Adjustment.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Benchmark
Replacement Adjustment&rdquo; means the first alternative set forth in the order below that can be determined by the calculation
agent as of the Benchmark Replacement Date:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         spread adjustment, or method for calculating or determining such spread adjustment (which
                                         may be a positive or negative value or zero), that has been selected or recommended by
                                         the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate,
                                         then the ISDA Fallback Adjustment; and</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         spread adjustment (which may be a positive or negative value or zero) that has been selected
                                         by the calculation agent, giving due consideration to any industry-accepted spread adjustment
                                         or method for calculating or determining such spread adjustment, for the replacement
                                         of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement for
                                         U.S. dollar-denominated floating rate securities at such time.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Benchmark
Replacement Conforming Changes&rdquo; means, with respect to any Benchmark Replacement, any technical, administrative or operational
changes (including, without limitation, changes to the definition of &ldquo;Floating Rate Interest Period,&rdquo; timing and frequency
of determining rates with respect to each Floating Rate Interest Period and making payments of interest, rounding of amounts or
tenors, and other administrative matters) that the calculation agent determines may be appropriate to reflect the adoption of
such Benchmark Replacement in a manner substantially consistent with market practice (or, if the calculation agent determines
that adoption of any portion of such market practice is not administratively feasible or if the calculation agent determines that
no market practice for use of the Benchmark Replacement exists, in such other manner as the calculation agent determines is reasonably
necessary).</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Benchmark
Replacement Date&rdquo; means the earliest to occur of the following events with respect to the then-current Benchmark:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         the case of clause (1)&nbsp;of the definition of &ldquo;Benchmark Transition Event,&rdquo;
                                         the relevant Reference Time in respect of any determination;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         the case of clause (2)&nbsp;or (3) of the definition of &ldquo;Benchmark Transition Event,&rdquo;
                                         the later of</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         date of the public statement or publication of information referenced therein and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         date on which the administrator of the Benchmark permanently or indefinitely ceases to
                                         provide the Benchmark; or</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">in
                                         the case of clause (4)&nbsp;of the definition of &ldquo;Benchmark Transition Event,&rdquo;
                                         the date of the public statement or publication of information referenced therein.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">For the
avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the
Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference
Time for such determination.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Benchmark
Transition Event&rdquo; means the occurrence of one or more of the following events with respect to the then-current Benchmark:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         the Benchmark is Three-Month Term SOFR, (a)&nbsp;the Relevant Governmental Body has not
                                         selected or recommended a forward-looking term rate for a tenor of three months based
                                         on SOFR, (b)&nbsp;the development of a forward-looking term rate for a tenor of three
                                         months based on SOFR that has been recommended or selected by the Relevant Governmental
                                         Body is not complete or (c)&nbsp;we or the calculation agent determine that the use of
                                         a forward-looking rate for a tenor of three months based on SOFR is not administratively
                                         feasible;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         public statement or publication of information by or on behalf of the administrator of
                                         the Benchmark announcing that such administrator has ceased or will cease to provide
                                         the Benchmark, permanently or indefinitely, provided that, at the time of such statement
                                         or publication, there is no successor administrator that will continue to provide the
                                         Benchmark;</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">3)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         public statement or publication of information by the regulatory supervisor for the administrator
                                         of the Benchmark, the central bank for the currency of the Benchmark, an insolvency official
                                         with jurisdiction over the administrator for the Benchmark, a resolution authority with
                                         jurisdiction over the administrator for the Benchmark or a court or an entity with similar
                                         insolvency or resolution authority over the administrator for the Benchmark, which states
                                         that the administrator of the Benchmark has ceased or will cease to provide the Benchmark
                                         permanently or indefinitely, provided that, at the time of such statement or publication,
                                         there is no successor administrator that will continue to provide the Benchmark; or</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-align: left"><FONT STYLE="font-size: 10pt"></FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">4)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         public statement or publication of information by the regulatory supervisor for the administrator
                                         of the Benchmark announcing that the Benchmark is no longer representative.</FONT></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Compounded
SOFR&rdquo; means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this
rate (which will be compounded in arrears with a look back and/or suspension period as a mechanism to determine the interest amount
payable prior to the end of each Floating Rate Interest Period), and conventions for this rate being established by the calculation
agent in accordance with:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">1)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         rate, or methodology for this rate, and conventions for this rate selected or recommended
                                         by the Relevant Governmental Body for determining Compounded SOFR; provided that:</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">2)</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if,
and to the extent that, the calculation agent determines that Compounded SOFR cannot be determined in accordance with clause (1)
above, then the rate, or methodology for this rate, and</FONT></TD></TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif">&nbsp;</TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif">conventions
for this rate that have been selected by the calculation agent, giving due consideration to any industry-accepted market practice
for U.S. dollar-denominated floating rate securities, at such time.</TD></TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">For the
avoidance of doubt, the calculation of Compounded SOFR shall exclude the Benchmark Replacement Adjustment and the spread of 432
basis points per annum.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Interpolated
Benchmark&rdquo; with respect to the Benchmark means the rate determined by the calculation agent for the Corresponding Tenor
by interpolating on a linear basis between: (i)&nbsp;the Benchmark for the longest period (for which the Benchmark is available)
that is shorter than the Corresponding Tenor, and (ii)&nbsp;the Benchmark for the shortest period (for which the Benchmark is
available) that is longer than the Corresponding Tenor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;ISDA&rdquo;
means the International Swaps and Derivatives Association, Inc. or any successor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;ISDA
Definitions&rdquo; means the 2006 ISDA Definitions published by ISDA, as amended or supplemented from time to time, or any successor
definitional booklet for interest rate derivatives published from time to time.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;ISDA
Fallback Adjustment&rdquo; means the spread adjustment (which may be a positive or negative value or zero) that would apply for
derivatives transactions referencing the ISDA Definitions to be determined upon the occurrence of an index cessation event with
respect to the Benchmark for the applicable tenor.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;ISDA
Fallback Rate&rdquo; means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective
upon the occurrence of an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable
ISDA Fallback Adjustment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">&ldquo;Unadjusted
Benchmark Replacement&rdquo; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt">The terms
&ldquo;Reference Time,&rdquo; &ldquo;Relevant Governmental Body,&rdquo; &ldquo;SOFR&rdquo; and &ldquo;Term SOFR&rdquo; have the
meanings set forth under the heading &ldquo;&mdash;Floating Rate Period.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Determinations
and Decisions</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
calculation agent is expressly authorized to make certain determinations, decisions, and elections under the terms of the notes,
including with respect to the use of Three-Month Term SOFR as the Benchmark for the Floating Rate Period and under the benchmark
transition provisions. Any determination, decision, or election that may be made by us or by the calculation agent under the terms
of the notes, including any determination with respect to a tenor, rate, or adjustment or of the occurrence or non-occurrence
of an event, circumstance, or date and any decision to take or refrain from taking any action or any selection:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">will
                                         be conclusive and binding on the holders of the notes, us (if we are not also the calculation
                                         agent) and the trustee absent manifest error;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         made by us as calculation agent, will be made in our sole discretion;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">if
                                         made by a calculation agent other than us, will be made after consultation with us, and
                                         the calculation agent will not make any such determination, decision, or election to
                                         which we reasonably object; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">notwithstanding
                                         anything to the contrary in the Indenture, shall become effective without consent from
                                         the holders of the notes or the trustee or any other person.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If
the calculation agent fails to make any determination, decision, or election that it is required to make under the terms of the
applicable notes, then we will make such determination, decision, or election on the same basis as described above. The Indenture
provides that the trustee will have no liability relating to any delay caused by the calculation agent&rsquo;s failure to timely
or appropriately determine the rate of interest borne by the notes.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Modification
of the Indenture</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Article
10 of the Base Indenture shall apply to the notes. In addition, without the consent of any holders of notes, the Company and the
trustee, at any time and from time to time, may enter into one or more supplemental indentures to (i) to conform the terms of
the Indenture and the notes to the description of the notes in the final prospectus supplement; or (ii) to implement any Three-Month
Term SOFR Conventions or any benchmark transition provisions after a Benchmark Transition Event and its related Benchmark Replacement
Date have occurred (or in anticipation thereof).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Calculation
Agent</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We
will appoint a calculation agent for the notes prior to the commencement of the Floating Rate Period.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
calculation agent shall have all the rights, protections and indemnities afforded to the trustee under the Indenture. The calculation
agent may be removed by the Company at any time. If the calculation agent is unable or unwilling to act as calculation agent or
is removed by the Company, the Company will promptly appoint a replacement calculation agent. For the avoidance of doubt, if at
any time there is no calculation agent appointed by the Company, then the Company shall be the calculation agent.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Clearance
and Settlement</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">DTC
or any successor depositary will act as securities depositary for the notes. The notes will be issued initially in the form of
one or more fully registered global notes (each such global note, a &ldquo;global note&rdquo;), registered in the name of DTC
or its nominee and deposited with DTC or its designated custodian or such other depositary as any officer of the Company may designate.
No holder of any beneficial interest in any global note held on its behalf by a depositary shall have any rights under the Indenture
with respect to such global note, and such depositary may be treated by the Company, the trustee and any agent of the Company
or the trustee as the owner of such global note for all purposes whatsoever. Beneficial interests in the global notes will be
represented through book-entry accounts of financial institutions acting on behalf of beneficial owners as direct and indirect
participants in DTC. See &ldquo;Book-Entry Delivery and Settlement&rdquo; in the accompanying prospectus for more information
concerning DTC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
laws of some jurisdictions may require that some purchasers of securities take physical delivery of securities in definitive form.
These laws may impair the ability to transfer beneficial interests in the notes, so long as the corresponding securities are represented
by global notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">DTC
has advised us that it is a limited-purpose trust company organized under the New York Banking Law, a &ldquo;banking organization&rdquo;
within the meaning of the New York Banking Law, a member of the Federal Reserve System, a &ldquo;clearing corporation&rdquo; within
the meaning of the New York Uniform Commercial Code and a &ldquo;clearing agency&rdquo; registered pursuant to the provisions
of Section&nbsp;17A of the Exchange Act. DTC holds securities that its direct participants deposit with DTC. DTC also facilitates
the post-trade settlement among participants of sales and other securities transactions in deposited securities, through electronic
computerized book-entry transfers and pledges between participants&rsquo; accounts. This eliminates the need for physical movement
of securities certificates. Direct participants include both U.S. and non-U.S. securities brokers and dealers, banks, trust companies,
clearing corporations and certain other organizations. DTC is a wholly-owned subsidiary of The Depository Trust&nbsp;&amp; Clearing
Corporation, which, in turn, is owned by a number of direct participants of DTC. Access to the DTC system is also available to
others, referred to as indirect participants, such as both U.S. and non-U.S. securities brokers and dealers, banks, trust companies
and clearing corporations that clear through or maintain a direct or indirect custodial relationship with a direct participant.
The rules applicable to DTC and its participants are on file with the SEC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Purchases
of securities under the DTC system must be made by or through direct participants in DTC, who will receive a credit for the securities
on DTC&rsquo;s records. The ownership interest of each beneficial owner of securities will be recorded on the direct or indirect
participants&rsquo; records. Beneficial owners will not receive written confirmation from DTC of their purchase. Beneficial owners
are, however, expected to receive written confirmations providing details of the transaction, as well as periodic statements of
their holdings, from the </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">direct or indirect participant through which the beneficial owner entered into the transaction. Under
a book-entry format, holders may experience some delay in their receipt of payments made with respect to the notes, as such payments
will be forwarded by the paying agent for the notes to Cede&nbsp;&amp; Co., as nominee for DTC. DTC will forward the payments
to its participants, who will then forward them to indirect participants or holders. Beneficial owners of securities other than
DTC or its nominees will not be recognized by the relevant registrar, transfer agent, paying agent or trustee as registered holders
of the notes entitled to the benefits of the Indenture. Beneficial owners that are not participants will be permitted to exercise
their rights only indirectly through and according to the procedures of participants and, if applicable, indirect participants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">To
facilitate subsequent transfers, all securities deposited by direct participants with DTC are registered in the name of DTC&rsquo;s
partnership nominee, Cede&nbsp;&amp; Co., or such other name as may be requested by an authorized representative of DTC. The deposit
of securities with DTC and their registration in the name of Cede&nbsp;&amp; Co. or such other DTC nominee do not result in any
change in beneficial ownership of those securities. DTC does not have, and is not anticipated to have, any knowledge of the actual
beneficial owners of the notes, as DTC&rsquo;s records reflect only the identity of the direct participants to whose accounts
the notes are credited, which may or may not be the beneficial owners. The direct and indirect participants will remain responsible
for keeping account of their holdings on behalf of their customers.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Conveyance
of redemption notices and other communications by DTC to direct participants, by direct participants to indirect participants,
and by direct and indirect participants to beneficial owners will be governed by arrangements among them, subject to any statutory
or regulatory requirements as may be in effect from time to time. If less than all of the securities of any class are being
redeemed, DTC will determine the amount of the interest of each direct participant to be redeemed in accordance with its then-current procedures.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
DTC nor Cede&nbsp;&amp; Co. (nor any other DTC nominee) will consent or vote with respect to any securities unless authorized
by a direct participant in accordance with DTC&rsquo;s procedures. Under its usual procedures, DTC mails an omnibus proxy to the
issuer as soon as possible after the record date. The omnibus proxy assigns Cede&nbsp;&amp; Co.&rsquo;s consenting or voting rights
to those direct participants to whose accounts securities are credited on the record date (identified in a listing attached to
the omnibus proxy).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">DTC
may discontinue providing its services as securities depositary with respect to the notes at any time by giving reasonable notice
to the issuer or its agent. Under these circumstances, in the event that a successor securities depositary is not obtained, certificates
for the notes are required to be printed and delivered. We may decide to discontinue the use of the system of book-entry-only
transfers through DTC (or a successor securities depositary). In that event, certificates for the notes will be printed and delivered
to DTC.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As
long as DTC or its nominee is the registered owner of the global note representing the notes, DTC or its nominee, as the case
may be, will be considered the sole owner and holder of that global note and all notes represented by that global note for all
purposes under the instruments governing the rights and obligations of holders of such securities. Except in the limited circumstances
referred to in the accompanying prospectus, owners of beneficial interests in the global note:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">will
                                         not be entitled to have such global note or the notes represented by that global note
                                         registered in their names;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">will
                                         not receive or be entitled to receive physical delivery of securities certificates in
                                         exchange for beneficial interests; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 10pt; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="text-align: left; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">will
                                         not be considered to be owners or holders of that global note or any notes represented
                                         by that global note for any purpose under the instruments governing the rights and obligations
                                         of holders of such securities.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All
redemption proceeds, payments of principal of, and interest on, the notes represented by the global note and all transfers and
deliveries of such global note will be made to DTC or its nominee, as the case may be, as the registered holder of the global
note. DTC&rsquo;s practice is to credit its direct participants&rsquo; accounts upon DTC&rsquo;s receipt of funds and corresponding
detail information from the issuer or its agent, on the payment date </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left"><FONT STYLE="font-size: 10pt">in accordance with their respective holdings shown on DTC&rsquo;s
records. Payments by participants to beneficial owners of the notes will be governed by standing instructions and customary practices
of those participants, as is the case with securities held for the accounts of customers in bearer form or registered in &ldquo;street
name,&rdquo; and will be the responsibility of that participant and not of DTC, the depositary, the issuer, the trustee or any
of their respective agents, subject to any statutory or regulatory requirements as may be in effect from time to time. Payment
of redemption proceeds and payments of principal of, or interest on, the notes to Cede&nbsp;&amp; Co. (or such other nominee as
may be requested by an authorized representative of DTC) are the responsibility of the issuer or its agent, disbursement of such
payments to direct participants will be the responsibility of DTC, and disbursement of such payments to the beneficial owners
of the notes will be the responsibility of direct and indirect participants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Ownership
of beneficial interests in the global note will be limited to participants or persons that may hold beneficial interests through
institutions that have accounts with DTC or its nominee. Ownership of beneficial interests in the global note will be shown only
on, and the transfer of those ownership interests will be effected only through, records maintained by DTC or its nominee, with
respect to participants&rsquo; interests, or any participant, with respect to interests of persons held by the participant on
their behalf. Payments, transfers, deliveries, exchanges, redemptions and other matters relating to beneficial interests in the
global note may be subject to various policies and procedures adopted by DTC from time to time. None of the Company, the trustee
or any agent for any of them will have any responsibility or liability for any aspect of DTC&rsquo;s or any direct or indirect
participant&rsquo;s records relating to, or for payments made on account of, beneficial interests in the global note, or for maintaining,
supervising or reviewing any of DTC&rsquo;s records or any direct or indirect participant&rsquo;s records relating to these beneficial
ownership interests.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Although
DTC has agreed to the foregoing procedures in order to facilitate transfer of interests in the global note among participants,
DTC is under no obligation to perform or continue to perform these procedures, and these procedures may be discontinued at any
time. Neither the Company nor the trustee will have any responsibility for the performance by DTC or its direct participants or
indirect participants under the rules and procedures governing DTC or the standby instructions or customary procedures of the
participants.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Because
DTC can act only on behalf of direct participants, who in turn act only on behalf of direct or indirect participants, and certain
banks, trust companies and other persons approved by it, the ability of a beneficial owner of the notes to pledge them to persons
or entities that do not participate in the DTC system may be limited due to the unavailability of physical certificates for the
notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">DTC
has advised us that it will take any action permitted to be taken by a registered holder of any securities under the Indenture
only at the direction of one or more participants to whose accounts with DTC the relevant securities are credited.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
information in this section concerning DTC and its book-entry system has been obtained from sources that we believe to be accurate,
but we assume no responsibility for the accuracy thereof.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Same-Day
Settlement and Payment</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Settlement
for the notes will be made in immediately available funds. The notes will trade in DTC&rsquo;s Same-Day Funds Settlement System
until maturity and, therefore, DTC will require secondary trading activity in the notes to be settled in immediately available
funds. Secondary trading in long-term notes and notes of corporate issuers is generally settled in clearing house or next-day
funds. No assurance can be given as to the effect, if any, of settlement in immediately available funds on trading activity of
the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left"><FONT STYLE="font-size: 10pt"><B>Regarding
the Indenture Trustee</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">U.S.
Bank National Association, acts as trustee under the Indenture pursuant to which the notes will be issued. From time to time,
we and some of our subsidiaries may maintain deposit accounts and conduct other banking transactions, including lending transactions,
with the trustee in the ordinary course of business. We may also issue other debt securities, including debt securities that are
senior indebtedness for purposes of the notes, under an Indenture pursuant to which U.S. Bank National Association will serve
as trustee.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Upon
the occurrence of an event of default or an event which, after notice or lapse of time or both, would become an event of default
under the notes, or upon the occurrence of a default under another Indenture under which U.S. Bank National Association serves
as trustee, the trustee may be deemed to have a conflicting interest for purposes of the Trust Indenture Act and, accordingly,
may be required to resign as trustee under the Indenture. In that event, we would be required to appoint a successor trustee.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0; text-align: left; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
trustee (including in its capacity as paying agent), unless acting as the calculation agent, shall have no (i)&nbsp;responsibility
or liability for the (A)&nbsp;Three-Month Term SOFR Conventions, (B)&nbsp;selection of an alternative reference rate to Three-Month
Term SOFR (including, without limitation, whether the conditions for the designation of such rate have been satisfied or whether
such rate is a Benchmark Replacement or an Unadjusted Benchmark Replacement), (C) determination or calculation of a Benchmark
Replacement, or (D)&nbsp;determination of whether a Benchmark Transition Event or Benchmark Replacement Date has occurred, and
in each such case under clauses (A)&nbsp;through (D) above shall be entitled to conclusively rely upon the selection, determination,
and/or calculation thereof as provided by the Company or its calculation agent, as applicable, and (ii)&nbsp;liability for any
failure or delay in performing its duties hereunder as a result of the unavailability of a Benchmark rate as described in the
definition thereof, including, without limitation, as a result of the Company&rsquo;s or the calculation agent&rsquo;s failure
to select a Benchmark Replacement or the calculation agent&rsquo;s failure to calculate a Benchmark. The trustee shall be entitled
to rely conclusively on all notices from the Company or the calculation agent regarding any Benchmark or Benchmark Replacement,
including, without limitation, in regard to Three-Month Term SOFR Conventions, a Benchmark Transition Event, Benchmark Replacement
Date, and Benchmark Replacement Conforming Changes. The trustee shall not be responsible or liable for the actions or omissions
of the calculation agent, or any failure or delay in the performance of the calculation agent&rsquo;s duties or obligations, nor
shall it be under any obligation to monitor or oversee the performance of the calculation agent. The trustee shall be entitled
to rely conclusively on any determination made, and any instruction, notice, officers&rsquo; certificate or other instruction
or information provided by the calculation agent without independent verification, investigation or inquiry of any kind. The trustee
may, but shall not be obligated to, enter into any supplemental indenture which affects the trustee&rsquo;s own rights, duties
or immunities under the Indenture or otherwise.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b012"></A>MATERIAL
UNITED STATES FEDERAL INCOME TAX CONSIDERATIONS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
is a general discussion of the material U.S. federal income tax considerations applicable to U.S. holders and non-U.S. holders
(each as defined below) with respect to the acquisition, ownership and disposition of notes acquired in this offering, but it
does not purport to be a complete analysis of all the potential tax considerations. This discussion is limited to the U.S. federal
income tax consequences relevant to holders that acquire notes in the initial offering at their original &ldquo;issue price&rdquo;
and hold them as &ldquo;capital assets&rdquo; within the meaning of Section&nbsp;1221 of the U.S. Internal Revenue Code of 1986,
as amended (the &ldquo;Code&rdquo;) (generally, property held for investment). This discussion does not address tax consequences
relevant to subsequent purchasers of the notes. This discussion is based on current provisions of the Code, the regulations promulgated
thereunder (the &ldquo;Treasury Regulations&rdquo;), judicial decisions and administrative rulings and published positions of
the Internal Revenue Service (the &ldquo;IRS&rdquo;), each as in effect as of the date hereof and all of which are subject to
change or differing interpretations, possibly with retroactive effect, and any such change or interpretation could affect the
accuracy of the statements and conclusions set forth herein.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This discussion
is for general information only and does not purport to address all aspects of U.S. federal income taxation that may be relevant
to particular holders in light of their particular circumstances and does not apply to holders subject to special rules under
the U.S. federal income tax laws (including, for example, banks or other financial institutions, dealers in securities or currencies,
traders in securities that elect to apply a mark-to-market method of accounting, insurance companies, tax-exempt entities, retirement
plans, individual retirement accounts or other tax-deferred accounts, real estate investment trusts, regulated investment companies,
holders liable for the alternative minimum tax, certain former citizens or former long-term residents of the United States, U.S.
holders having a &ldquo;functional currency&rdquo; other than the U.S. dollar, holders who hold notes as part of a hedge, straddle,
constructive sale, conversion transaction or other integrated transaction, &ldquo;controlled foreign corporations,&rdquo; &ldquo;passive
foreign investment companies,&rdquo; and persons required to accelerate the recognition of any item of gross income with respect
to the notes as a result of such income being recognized on an applicable financial statement). This discussion also does not
address any considerations under U.S. federal tax laws other than those pertaining to the income tax, nor does it address any
considerations under any state, local or non-U.S. tax laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If an
entity or arrangement treated as a partnership for U.S. federal income tax purposes holds notes, the tax treatment of a person
treated as a partner in such partnership generally will depend on the status of the partner and the activities of the partnership.
Persons that for U.S. federal income tax purposes are treated as partners in any partnership holding notes should consult their
own tax advisors regarding the tax consequences of the acquisition ownership and disposition of notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">THIS DISCUSSION
IS FOR GENERAL INFORMATION PURPOSES ONLY AND IS NOT INTENDED TO CONSTITUTE A COMPLETE DESCRIPTION OF ALL TAX CONSEQUENCES RELATING
TO THE ACQUISITION OWNERSHIP AND DISPOSITION OF THE NOTES. PROSPECTIVE INVESTORS SHOULD CONSULT THEIR OWN TAX ADVISORS AS TO THE
PARTICULAR TAX CONSEQUENCES TO THEM OF THE ACQUISITION OWNERSHIP AND DISPOSITION OF THE NOTES, INCLUDING WITH RESPECT TO THE APPLICABILITY
AND EFFECT OF ANY U.S. FEDERAL, STATE, LOCAL OR NON-U.S. TAX LAWS OR ANY TAX TREATY.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The terms
of the notes provide for payments by us prior to their scheduled payment dates under certain circumstances. The possibility of
such payments may implicate special rules under Treasury Regulations governing &ldquo;contingent payment debt instruments.&rdquo;
According to those Treasury Regulations, the possibility that such payments of accelerated amounts will be made will not affect
the amount of income a holder recognizes in advance of the payment of such accelerated amounts if there is only a remote chance
as of the date the notes are issued that such payments will be made. We intend to take the position that the likelihood that such
payments will be made is remote within the meaning of the applicable Treasury Regulations. Our position that these contingencies
are remote is binding on a holder unless such holder discloses its contrary position to the IRS in the manner required by applicable
Treasury Regulations. Our position is not, however, binding on the IRS, and if the IRS were to challenge this position successfully,
a holder might be required to, among other things, accrue interest income based on a projected payment schedule and comparable
yield, which may be in excess of stated</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt"> interest, and treat as ordinary income rather than capital gain any income realized on
the taxable disposition of a note. In the event a contingency described above occurs, it could affect the amount, timing and character
of the income or loss recognized by a holder. Prospective holders should consult their own tax advisors regarding the tax consequences
if the notes were treated as contingent payment debt instruments. The remainder of this discussion assumes that the notes will
not be considered contingent payment debt instruments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>U.S.
Holders </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes
of this discussion, the term &ldquo;U.S. holder&rdquo; means a beneficial owner of a note that is, for U.S. federal income tax
purposes:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">an
                                         individual who is a citizen or resident of the United States;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         corporation (or any other entity or arrangement treated as a corporation for U.S. federal
                                         income tax purposes) created or organized under the laws of the United States, any state
                                         thereof, or the District of Columbia;</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">an
                                         estate, the income of which is subject to U.S. federal income tax regardless of its source;
                                         or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         trust (a)&nbsp;if a court within the United States is able to exercise primary supervision
                                         over the trust&rsquo;s administration and one or more United States persons have the
                                         authority to control all substantial decisions of the trust or (b)&nbsp;that has a valid
                                         election in effect under applicable Treasury Regulations to be treated as a United States
                                         person for U.S. federal income tax purposes.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Treatment
of the Notes as Variable Rate Debt Instruments</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The notes
will initially bear interest at a fixed annual rate. From and including November 1, 2025, to, but excluding, the maturity
date or the date of earlier redemption, the notes will bear interest at a floating rate per annum equal to the Benchmark (which
is expected to be Three-Month Term SOFR) plus 432 basis points. Under applicable Treasury Regulations, a debt instrument
will qualify as a &ldquo;variable rate debt instrument&rdquo; if (a) its issue price does not exceed the total noncontingent principal
payments due under the debt instrument by more than a specified <I>de minimis</I> amount, (b) the debt instrument provides for
stated interest, paid or compounded at least annually, at current value of (i) one or more &ldquo;qualified floating rates,&rdquo;
(ii) a single fixed rate and one or more qualified floating rates, (iii) a &ldquo;single objective rate,&rdquo; or (iv) a single
fixed rate and a single objective rate that is a &ldquo;qualified inverse floating rate,&rdquo; and (c) except as described in
(a) above, does not provide for any principal payments that are contingent. A &ldquo;qualified floating rate&rdquo; is any variable
rate where variations in the value of such rate can reasonably be expected to measure contemporaneous variations in the cost of
newly borrowed funds in the currency in which the debt instrument is denominated. Under the foregoing definition, the notes are
expected to be treated as variable rate debt instruments for U.S. federal income tax purposes and the discussion below is based
on this assumption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Interest
on the Notes</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">It is
anticipated, and this discussion assumes, that the issue price of the notes will be equal to the stated principal amount or, if
the issue price is less than the stated principal amount, the difference will be a <I>de minimis </I>amount (as set forth in the
applicable Treasury Regulations). If, however, the issue price of a note is less than the stated redemption amount at maturity
and the difference is more than a <I>de minimis</I> amount (as set forth in the applicable Treasury Regulations), then a U.S.
holder generally will be required to include the difference in income as original issue discount as it accrues in accordance with
a constant yield method.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The tax
treatment of interest depends on whether such interest constitutes &ldquo;qualified stated interest,&rdquo; referred to herein
as &ldquo;QSI.&rdquo; Interest is QSI if it is unconditionally payable or will be constructively received, in cash or property,
at least annually at a single fixed rate or at a single &ldquo;qualified floating rate&rdquo; or &ldquo;objective rate&rdquo;
(each as defined in the applicable Treasury Regulations). Based upon current market conditions and the manner in which the interest
rates on the notes are determined, we expect that all of the stated interest on the notes will be treated as QSI and the notes
will not be treated as having been issued with any original issue discount. Interest that is </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">QSI will generally be includible
in a U.S. holder&rsquo;s income as ordinary interest income at the time such interest payments are accrued or received, depending
on the U.S. holder&rsquo;s regular method of accounting for U.S. federal income tax purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Holders
should consult their own tax advisors regarding the tax consequences if the notes are issued with original issue discount or if
the stated interest is not treated as QSI.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Sale,
Exchange, Redemption or Other Taxable Disposition of the Notes </I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A U.S.
holder generally will recognize gain or loss upon the sale, exchange, redemption or other taxable disposition of a note equal
to the difference, if any, between (a)&nbsp;the sum of the cash and the fair market value of any property received on such disposition
(other than amounts properly attributable to accrued but unpaid interest, which amounts will be treated as interest income as
described above under &ldquo;&mdash;Interest on the Notes&rdquo;) and (b)&nbsp;such U.S. holder&rsquo;s adjusted tax basis in
the note. A U.S. holder&rsquo;s adjusted tax basis in a note generally will be equal to the amount that such U.S. holder paid
for the note. Any gain or loss recognized on a sale, exchange, redemption or other taxable disposition of a note generally will
be capital gain or loss, and will be long-term capital gain or loss, if, at the time of such disposition, the U.S. holder will
have held the note for a period of more than one year. Long-term capital gains recognized by noncorporate U.S. holders (including
individuals) generally are subject to preferential tax rates. The deductibility of capital losses is subject to limitations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Net
Investment Income Tax (Commonly Referred to as Medicare Tax)</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Non-corporate
U.S. holders that are individuals, estates or trusts and whose income exceeds certain thresholds generally are subject to a 3.8%
tax on all or a portion of their net investment income, which may include their gross interest income and net gains from the disposition
of the notes. Non-corporate U.S. holders are encouraged to consult their own tax advisors regarding the applicability of this
net investment income tax to its income and gains in respect of any investment in the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Information
Reporting and Backup Withholding </I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Information
reporting generally will apply to payments of interest on the notes and to the proceeds of a sale or other taxable disposition
of a note paid to a U.S. holder unless the U.S. holder is an exempt recipient. U.S. federal backup withholding (currently, at
a rate of 24% for payments made before January&nbsp;1, 2026) generally will apply to such payments if the U.S. holder fails to
provide the applicable withholding agent with a properly completed and executed IRS Form&nbsp;W-9 providing such U.S. holder&rsquo;s
correct taxpayer identification number and certifying that such U.S. holder is not subject to backup withholding, or to otherwise
establish an exemption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Backup
withholding is not an additional tax. Any amounts withheld under the backup withholding rules will be allowed as a refund or a
credit against a U.S. holder&rsquo;s U.S. federal income tax liability, if any, provided that the required information is timely
furnished to the IRS.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>Non-U.S.
Holders </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For purposes
of this discussion, the term &ldquo;non-U.S. holder&rdquo; means a beneficial owner of a note that is neither a U.S. holder nor
a partnership for U.S. federal income tax purposes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Payments
of Interest </I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to the discussions below under &ldquo;&mdash;FATCA Withholding&rdquo; and &ldquo;&mdash;Information Reporting and Backup Withholding,&rdquo;
payments of interest on the notes to a non-U.S. holder generally will not be subject to U.S. federal income or withholding tax
under the &ldquo;portfolio interest exemption,&rdquo; provided that:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">such
                                         interest is not effectively connected with the non-U.S. holder&rsquo;s conduct of a trade
                                         or business within the United States (or, in the case of an income tax treaty resident,
                                         is not attributable to a permanent establishment of the non-U.S. holder in the United
                                         States);</FONT></TD></TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         non-U.S. holder does not actually or constructively own 10% or more of the total combined
                                         voting power of all classes of our stock entitled to vote within the meaning of the Code
                                         and applicable Treasury Regulations; and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">either
                                         (a)&nbsp;the beneficial owner of the notes provides the applicable withholding agent
                                         with a properly completed and executed IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E,
                                         as applicable, certifying, under penalties of perjury, that it is not a &ldquo;United
                                         States person&rdquo; (as defined in the Code) and providing its name and address or (b)&nbsp;a
                                         financial institution that holds the notes on behalf of the beneficial owner certifies
                                         to the applicable withholding agent, under penalties of perjury, that it has received
                                         such properly completed and executed IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E,
                                         as applicable, from the beneficial owner and provides the applicable withholding agent
                                         with a copy thereof.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a non-U.S.
holder cannot satisfy the requirements of the &ldquo;portfolio interest exemption&rdquo; described above, payments of interest
made to the non-U.S. holder generally will be subject to U.S. federal withholding tax at a rate of 30%, or such lower rate as
may be specified by an applicable income tax treaty, unless such interest is effectively connected with such non-U.S. holder&rsquo;s
conduct of a trade or business within the United States (and, if required by an applicable income tax treaty, is attributable
to a permanent establishment of the non-U.S. holder in the United States) and such non-U.S. holder provides the applicable withholding
agent with a properly completed and executed IRS Form&nbsp;W-8ECI (or other applicable IRS form). In order to claim an exemption
from or reduction of withholding under an applicable income tax treaty, a non-U.S. holder generally must furnish to the applicable
withholding agent a properly executed IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E, as applicable (or other applicable IRS form).
Non-U.S. holders eligible for an exemption from or reduced rate of U.S. federal withholding tax under an applicable income tax
treaty may obtain a refund of any excess amounts withheld by timely filing an appropriate claim with the IRS. Non-U.S. holders
should consult their own tax advisors regarding their entitlement to benefits under an applicable income tax treaty and the requirements
for claiming any such benefits.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Interest
paid to a non-U.S. holder that is effectively connected with such non-U.S. holder&rsquo;s conduct of a trade or business within
the United States (and, if required by an applicable income tax treaty, is attributable to a permanent establishment of the non-U.S.
holder in the United States) generally will not be subject to U.S. federal withholding tax, provided that the non-U.S. holder
complies with applicable certification and other requirements. Instead, such interest generally will be subject to U.S. federal
income tax on a net income basis and at the regular U.S. federal income tax rates in the same manner as if such non-U.S. holder
were a United States person. A non-U.S. holder that is a corporation may be subject to an additional &ldquo;branch profits tax&rdquo;
at a rate of 30% (or such lower rate as may be specified by an applicable income tax treaty) of its &ldquo;effectively connected
earnings and profits&rdquo; for the taxable year, subject to certain adjustments.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Sale,
Exchange, Redemption or Other Taxable Disposition of the Notes </I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject
to the discussions below under &ldquo;&mdash;FATCA Withholding&rdquo; and &ldquo;&mdash;Information Reporting and Backup Withholding,&rdquo;
except with respect to accrued and unpaid interest (which will be treated as described above under &ldquo;&mdash;Non-U.S. Holders&mdash;Payments
of Interest&rdquo;), a non-U.S. holder generally will not be subject to U.S. federal income tax or withholding tax on any gain
realized upon the sale, exchange, redemption or other taxable disposition of a note unless:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">such
                                         gain is effectively connected with the non-U.S. holder&rsquo;s conduct of a trade or
                                         business within the United States (and, if required by an applicable income tax treaty,
                                         is attributable to a permanent establishment of the non-U.S. holder in the United States);
                                         or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">the
                                         non-U.S. holder is an individual who is present in the United States for 183 days or
                                         more in the taxable year of the disposition and certain other conditions are met.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Gain described
in the first bullet point above generally will be subject to U.S. federal income tax on a net income basis at the regular U.S.
federal income tax rates in the same manner as if such non-U.S. holder were a United States person. A non-U.S. holder that is
a corporation also may be subject to an additional &ldquo;branch profits tax&rdquo; at a rate of 30% (or such lower rate as may
be specified by an applicable income tax treaty) of its &ldquo;effectively connected earnings and profits&rdquo; for the taxable
year, subject to certain adjustments.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Gain described
in the second bullet point above generally will be subject to U.S. federal income tax at a 30% rate (or such lower rate as may
be specified by an applicable income tax treaty), but may be offset by U.S. source capital losses, if any, of the non-U.S. holder.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B><I>Information
Reporting and Backup Withholding </I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Generally,
we must report annually to the IRS and to each non-U.S. holder the amount of interest paid to such non-U.S. holder and the amount
of tax, if any, withheld with respect to such payments. These reporting requirements apply regardless of whether withholding was
reduced or eliminated by an applicable income tax treaty. This information may also be made available to the tax authorities in
the country in which a non-U.S. holder resides or is established pursuant to the provisions of a specific treaty or agreement
with those tax authorities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">U.S. backup
withholding tax (currently, at a rate of 24% for payments made before January&nbsp;1, 2026) is imposed on certain payments to
persons that fail to furnish the information required under the U.S. information reporting rules. Interest paid to a non-U.S.
holder generally will be exempt from backup withholding if the non-U.S. holder provides the applicable withholding agent with
a properly executed IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E, as applicable, or otherwise establishes an exemption.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
Treasury Regulations, the payment of proceeds from the disposition of a note by a non-U.S. holder effected at a U.S. office of
a broker generally will be subject to information reporting and backup withholding, unless the non-U.S. holder provides a properly
executed IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E, as applicable (or other applicable IRS Form&nbsp;W-8), certifying such
non-U.S. holder&rsquo;s non-U.S. status or otherwise establishes an exemption. The payment of proceeds from the disposition of
notes by a non-U.S. holder effected at a non-U.S. office of a U.S. broker or a non-U.S. broker with certain specified U.S. connections
generally will be subject to information reporting (but not backup withholding) unless such non-U.S. holder provides a properly
executed IRS Form&nbsp;W-8BEN or IRS Form&nbsp;W-8BEN-E, as applicable (or other applicable IRS Form&nbsp;W-8), certifying such
non-U.S. holder&rsquo;s non-U.S. status or otherwise establishes an exemption. Backup withholding will apply if the disposition
is subject to information reporting and the broker has actual knowledge that the non-U.S. holder is a Unites States person.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; font-weight: normal">Backup
withholding is not an additional tax. Any amounts withheld under the backup withholding rules will be allowed as a refund or a
credit against a non-U.S. holder&rsquo;s U.S. federal income tax liability, if any, provided that the required information is
furnished timely to the IRS. Non-U.S. holders should consult their own tax advisors regarding the application of these rules to
their particular circumstances.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0in"><FONT STYLE="font-size: 10pt"><B>FATCA
Withholding</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; font-weight: normal">Sections
1471 through 1474 of the Code and the Treasury Regulations issued thereunder (commonly referred to as the Foreign Account Tax
Compliance Act, or &ldquo;FATCA&rdquo;) impose a 30% withholding tax on interest paid on the notes to, and (subject to the proposed
Treasury Regulations discussed below) the gross proceeds derived from the sale or other disposition of the notes by, a foreign
entity if the foreign entity is:</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         &ldquo;foreign financial institution&rdquo; (as defined under FATCA) that does not furnish
                                         proper documentation, typically on IRS Form W-8BEN-E, evidencing either (i) an exemption
                                         from FATCA withholding<B>, </B>(ii) its compliance (or deemed compliance) with specified
                                         due diligence, reporting, withholding and certification obligations under FATCA or (iii)
                                         its<B> </B>residence in a jurisdiction that has entered into an intergovernmental agreement
                                         with the United States relating to FATCA and compliance with the diligence and reporting
                                         requirements of the intergovernmental agreement and local implementing rules; or</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; font: 10pt Times New Roman, Times, Serif">
<TD STYLE="width: 0.75in; font: 10pt Times New Roman, Times, Serif"></TD><TD STYLE="width: 0.25in; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font: 10pt Symbol">&#183;</FONT></TD><TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">a
                                         &ldquo;non-financial foreign entity&rdquo; (as defined under FATCA) that does not provide
                                         sufficient documentation, typically on IRS Form W-8BEN-E, evidencing either (i) an exemption
                                         from FATCA or (ii) adequate information regarding substantial United States beneficial
                                         owners of such entity (if any).</FONT></TD></TR></TABLE>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; font-weight: normal">Withholding
under FATCA generally applies to payments of interest on the notes and to payments of gross proceeds from a sale or other disposition
of the notes. Withholding agents may, however, rely on proposed U.S. Treasury Regulations that would no longer require FATCA withholding
on payments of gross proceeds. A withholding agent such as a broker, and not Origin, will determine whether or not to implement
gross proceeds FATCA withholding.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt; font-weight: normal">Under
certain circumstances, a non-U.S. holder will be eligible for refunds or credits of withholding taxes imposed under FATCA by filing
a United States federal income tax return. Prospective investors should consult their tax advisors regarding the effect of FATCA
on their ownership and disposition of the notes.</FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b013"></A>BENEFIT
PLAN/ERISA CONSIDERATIONS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Employee
Retirement Income Security Act of 1974, as amended (&ldquo;ERISA&rdquo;), and Section 4975 of the Code, impose certain requirements
on: (i) employee benefit plans subject to Part 4 of Subtitle B of Title I of ERISA (&ldquo;ERISA Plans&rdquo;); (ii) individual
retirement accounts (&ldquo;IRAs&rdquo;), Keogh plans or other plans and arrangements subject to Section 4975 of the Code; (iii)
entities (including certain insurance company general accounts) whose underlying assets include &ldquo;plan assets&rdquo; (as
defined in U.S. Department of Labor regulation 29 C.F.R. Section 2510.3-101, as modified by Section 3(42) of ERISA (the &ldquo;plan
asset regulations&rdquo;)) by reason of any such plan&rsquo;s or arrangement&rsquo;s investment therein (we refer to the foregoing
collectively as &ldquo;Plans&rdquo;); and (iv) persons who are fiduciaries with respect to Plans. In addition, certain governmental,
not for profit, church and non-U.S. plans (&ldquo;Non-ERISA Arrangements&rdquo;) are not subject to ERISA or Section 4975 of the
Code but may be subject to other laws that are substantially similar to ERISA and Section 4975 of the Code (each, a &ldquo;Similar
Law&rdquo;).</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
summarizes certain aspects of ERISA, the Code and Similar Laws that may affect a decision by Plans or Non-ERISA Arrangements to
invest in the notes. The following discussion is general in nature and not intended to be a complete discussion of the applicable
laws pertaining to a Plan&rsquo;s or Non-ERISA Arrangement&rsquo;s decision to invest and is not intended to be legal advice.
In addition, the following discussion is based on the applicable law and regulations in effect as of the date of this prospectus
supplement, and nothing herein shall be construed as an obligation to update this summary as a result of any changes in the applicable
law or regulations. Fiduciaries of any Plans and Non-ERISA Arrangements should consult their own legal counsel before purchasing
the notes. References herein to the purchase, holding or disposition of notes also refer to the purchase, holding or disposition
of any beneficial interest in the notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under
ERISA, any person who exercises any discretionary authority or control over the administration of an ERISA Plan or the management
or disposition of the assets of such a Plan, or who renders investment advice for a fee or other compensation to such a Plan,
is generally considered to be a fiduciary of the ERISA Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">An ERISA
Plan fiduciary should consider whether an investment in the notes satisfies the requirements set forth in Part 4 of Subtitle B
of Title I of ERISA, including the requirements that: (i) the investment satisfy the prudence and diversification standards of
ERISA; (ii) the investment be solely in the interests of the participants and beneficiaries of the Plan; (iii) the investment
be permissible under the terms of the Plan&rsquo;s investment policies and governing instruments; and (iv) the investment be for
the exclusive purpose of providing benefits to the participants and beneficiaries of the Plan and defraying the reasonable expenses
of administering the Plan. A fiduciary of a Plan that is not an ERISA Plan or of a Non-ERISA Arrangement should consider whether
an investment in the notes satisfies its obligations, including for a Non-ERISA Arrangement under Similar Laws.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition
to ERISA&rsquo;s general fiduciary standards, Section 406 of ERISA with respect to ERISA Plans and Section 4975 of the Code with
respect to Plans generally prohibit certain transactions involving the assets of a Plan and persons who have specified relationships
to the Plan, i.e., &ldquo;parties in interest&rdquo; as defined in ERISA or &ldquo;disqualified persons&rdquo; as defined in Section
4975 of the Code (we refer to the foregoing collectively as &ldquo;parties in interest&rdquo;) unless exemptive relief is available
under applicable law or an exemption issued by the U.S. Department of Labor. Parties in interest that engage in a nonexempt prohibited
transaction may be subject to excise taxes, and parties in interest and fiduciaries may be subject to other penalties and liabilities
under ERISA and Section 4975 of the Code. In addition, a nonexempt prohibited transaction may be subject to rescission. If you
are acting on behalf on an IRA that you maintain or a beneficiary maintains, engaging in a prohibited transaction can result in
the IRA losing its tax exempt status and its assets will be deemed to be distributed to you or the beneficiary, as applicable,
in a taxable distribution. In addition, a fiduciary of a Plan who permits the Plan to engage in a transaction that the fiduciary
knows or should know is a prohibited transaction may be liable to the Plan for any loss the Plan incurs as a result of the transaction
or for any profits the fiduciary earned in the transaction. We, the underwriters and our and the underwriters&rsquo; current and
future affiliates may possibly be parties in interest with respect to many Plans and the purchase, holding or disposition of the
notes by or on behalf of, or with the assets of, such Plans could be considered to give rise to a non-exempt direct or indirect
prohibited transaction under ERISA or Section 4975 of the Code. Thus, a Plan fiduciary considering an investment in the notes
should also consider whether such an investment might constitute or give rise to a prohibited transaction under Section 406 of
ERISA or Section 4975 of the Code. Non-ERISA Arrangements may be subject to Similar </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt"><FONT STYLE="font-size: 10pt">Laws in this regard and the fiduciary or other
responsible party acting on behalf of a Non-ERISA Arrangement should consider whether an investment in the notes might constitute
or give rise to a prohibited transaction under Similar Law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In this
regard, each prospective purchaser that is, or is acting on behalf of or with the assets of, a Plan, and proposes to purchase
notes, should consider the exemptive relief available under administrative exemptions issued by the U.S. Department of Labor,
which include the following prohibited transaction class exemptions, or PTCEs: (i) the in-house asset manager exemption (PTCE
96-23); (ii) the insurance company general account exemption (PTCE 95-60); (iii) the bank collective investment fund exemption
(PTCE 91-38); (iv) the insurance company pooled separate account exemption (PTCE 90-1); and (v) the qualified professional asset
manager exemption (PTCE 84-14). In addition, ERISA Section 408(b)(17) and Section 4975(d)(20) of the Code may provide a limited
exemption for the purchase and sale of notes, provided that neither the issuer of the notes nor any of its affiliates have or
exercise any discretionary authority or control or render any investment advice with respect to the assets of the Plan involved
in the transaction and provided further that the Plan pays no more, and receives no less, than adequate consideration in connection
with the transaction (the so-called &ldquo;service provider exemption&rdquo;). There can be no assurances, however, that any of
these statutory or class exemptions will be available with respect to transactions involving the notes or with respect to any
particular Plan.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The plan
asset regulations provide that the assets of an entity may be deemed assets of a Plan by reason of that Plan&rsquo;s investment in equity
interests of the entity (so-called &ldquo;Plan look-through&rdquo;) unless an exemption under the plan assets regulations applies.
If our assets were deemed to be assets of a Plan that purchased notes, among other things, the provisions of ERISA and Section
4975 of the Code that apply to the Plan would apply to transactions in which we engage. There will not be Plan look-through if
the investment by Plans is in a form other than an equity interest. Under the plan asset regulations, an equity interest is defined
to mean an interest that is treated as indebtedness under applicable local law and which has no substantial equity features. Purchasers
should consult their own legal counsel to determine whether the notes will be treated as indebtedness with no substantial equity
features for purposes of the plan asset regulations.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each purchaser
or holder of a note, and each fiduciary who causes any entity to purchase or hold a note, shall be deemed to have represented
and warranted, on each day such purchaser or holder holds such notes, that either: (i) it is neither a Plan nor a Non-ERISA Arrangement
and it is not purchasing or holding notes on behalf of or with the assets of any Plan or Non-ERISA Arrangement; or (ii) its purchase,
holding and subsequent disposition of such notes shall not constitute or result in (a) the purchase, holding or disposition of
an impermissible or imprudent investment, (b) a non-exempt prohibited transaction under Section 406 of ERISA, Section 4975 of
the Code or any provision of Similar Law, or (c) a breach of fiduciary or other duty or applicable law.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each purchaser
or holder of a note will have exclusive responsibility for ensuring that its purchase, holding and subsequent disposition of the
note does not violate ERISA, the Code or any Similar Law. Nothing herein shall be construed as a representation that an investment
in the notes would meet any or all of the relevant legal requirements with respect to investments by, or that an investment in
the notes is appropriate for, Plans or Non-ERISA Arrangements generally or any particular Plan or Non-ERISA Arrangement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>ACCEPTANCE
OF INVESTMENTS ON BEHALF OF PLANS OR NON-ERISA ARRANGEMENTS IS IN NO RESPECT A REPRESENTATION THAT THIS INVESTMENT MEETS THE RELEVANT
LEGAL REQUIREMENTS WITH RESPECT TO INVESTMENTS BY ANY PLAN OR NON-ERISA ARRANGEMENT, OR THAT THIS INVESTMENT IS APPROPRIATE FOR
ANY PARTICULAR PLAN OR NON-ERISA ARRANGEMENT.</B></FONT></P>


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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b014"></A>UNDERWRITING</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We have
entered into an underwriting agreement with Stephens Inc., as sole underwriter (the &ldquo;Underwriter&rdquo;), with respect to
the notes that we are offering hereby (the &ldquo;Underwriting Agreement&rdquo;). Subject to certain conditions, the Underwriter
has agreed to purchase the $80,000,000 in aggregate principal amount of notes.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Underwriting
Agreement provides that the obligation of the Underwriter to purchase the notes offered hereby is subject to certain conditions
precedent and that the Underwriter will purchase all of the notes if any of the notes are purchased.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
notes sold by the Underwriter to the public will be offered at the public offering price set forth on the cover of this prospectus
supplement. The Underwriters may offer the notes to selected dealers at the public offering price set forth on the cover of this
prospectus supplement less a concession not in excess of 0.50% of the principal amount per note. After the initial offering,
the Underwriters may change the offering price and the other selling terms. The offering of the notes by the Underwriters is subject
to receipt and acceptance and subject to the Underwriters&rsquo; right to reject any order in whole or in part.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt"><FONT STYLE="font-size: 10pt"><B>Discounts, Commission and
Expenses </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
table shows the public offering price, the underwriting discounts and commissions that we are to pay the Underwriters and the
proceeds, before expenses, to us in connection with this offering (expressed as a percentage of the principal amount of the notes
offered hereby).</FONT></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; width: 75%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 8%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="width: 1%; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>Per</B><BR>
    <B>Note </B></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; font: 10pt Times New Roman, Times, Serif; text-align: center"><FONT STYLE="font-size: 10pt"><B>Total
    </B></FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: center; padding-bottom: 1pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Public offering price<SUP>(l)</SUP></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">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right"><FONT STYLE="font-size: 10pt">100</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">&nbsp;$</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">80,000,000</td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: White; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Underwriting discounts and commissions
    paid by us</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1.5</td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">%</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;$</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">1,200,000</td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; background-color: rgb(204,238,255); font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">Proceeds to us, before expenses</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">&nbsp;</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">98.5</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">&nbsp;$</FONT></td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif; text-align: right">78,800,000</td>
    <TD STYLE="font: 10pt Times New Roman, Times, Serif"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><SUP>(1) </SUP>Plus accrued interest,
if any, from October 16, 2020, to the date of delivery.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We estimate
that our total expenses for this offering, excluding underwriting discounts and commissions, will be approximately $225,000.
We have also agreed to reimburse the underwriters for certain offering expenses incurred in connection with this offering. In
accordance with FINRA Rule&nbsp;5110, the Underwriters&rsquo; reimbursed fees and expenses are deemed underwriting compensation
for this offering.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We have
agreed to indemnify the Underwriter, and certain of its affiliates, against certain liabilities, including liabilities under the
Securities Act and to contribute to payments that the Underwriters may be required to make in respect of these liabilities.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt"><FONT STYLE="font-size: 10pt"><B>No Public Trading Markets
</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">There is
currently no public trading market for the notes. In addition, we have not applied and do not intend to apply to list the notes
on any securities exchange or to have the notes quoted on an automated dealer quotation system. The Underwriter has advised us
that they intend to make a market in the notes. However, the Underwriter is not obligated to do so and may discontinue any market-making
in the notes at any time in its sole discretion and without prior notice. Therefore, we cannot assure you that a liquid trading
market for the notes will develop or continue, that you will be able to sell your notes at a particular time, or that the price
that you receive when you sell will be favorable. If an active trading market for the notes does not develop, the market price
and liquidity of the notes may be adversely affected. If the notes are traded, they may trade at a discount from their initial
offering price, depending on prevailing interest rates, the market for similar securities, the credit ratings for the notes, our
operating performance and financial condition, general economic conditions and other factors.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In connection
with this offering of the notes, the Underwriters may engage in overallotment, stabilizing transactions and syndicate covering
transactions. Overallotment involves sales in excess of the offering size, which create a short position for the Underwriters.
Stabilizing transactions involve bids to purchase the notes in the open market for the purpose of pegging, fixing or maintaining
the price of the notes. Syndicate covering transactions involve purchases of the notes in the open market after the distribution
has been completed in order to cover short positions. Stabilizing transactions and syndicate covering transactions may cause the
price of the notes to be higher than it would otherwise be in the absence of those transactions. If the Underwriter engages in
stabilizing or syndicate covering transactions, it may discontinue such activities at any time in its sole discretion without
notice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither
we nor the Underwriter makes any representation or prediction as to the direction or magnitude of any effect that the transactions
described above may have on the price of the notes. In addition, neither we nor the Underwriter makes any representation that
the Underwriter will engage in these transactions or that these transactions, once commenced, will not be discontinued without
notice.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt"><FONT STYLE="font-size: 10pt"><B>Electronic Prospectus Delivery</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A prospectus
supplement in electronic format may be made available by e-mail or on the websites maintained by the Underwriter. In connection
with this offering, the Underwriter or certain securities dealers may distribute prospectuses electronically. In those cases,
prospective investors may view offering terms online and may be allowed to place orders online. The Underwriter may agree with
us to allocate the notes for sale to online brokerage account holders. Any such allocation of online distributions will be made
by the Underwriter on the same basis as other allocations. Other than this prospectus supplement in electronic format, the information
on any of these websites and any other information contained on a website maintained by the Underwriter or syndicate member is
not part of this prospectus supplement, has not been approved and/or endorsed by the Underwriter or us and should not be relied
upon by investors.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt"><FONT STYLE="font-size: 10pt"><B>Our Relationships with the
Underwriters </B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The Underwriter
and its affiliates have engaged, or may in the future engage, in investment banking transactions and other commercial dealings
in the ordinary course of business with us or our affiliates. The Underwriter has received, or may in the future receive, customary
fees and commissions for these transactions.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
in the ordinary course of its business activities, the Underwriter and its affiliates may make or hold a broad array of investments
and actively trade indebtedness and equity securities (or related derivative securities) and financial instruments (including
bank loans) for their own accounts and for the accounts of their customers. Such investments and securities activities may involve
securities and/or instruments of ours or our affiliates. The Underwriter and its affiliates may also make investment recommendations
and/or publish or express independent research views in respect of such securities or financial instruments and may hold, or recommend
to clients that they acquire, long and/or short positions in such securities and instruments.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 10pt 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Other than
in the United States, no action has been taken by us or the Underwriter that would permit a public offering of the notes offered
by this prospectus supplement in any jurisdiction in which action for that purpose is required. The notes offered by this prospectus
supplement may not be offered or sold, directly or indirectly, nor may this prospectus supplement, the accompanying prospectus
or any other offering material or advertisements in connection with the offer and sale of any such securities be distributed or
published in any jurisdiction, except under circumstances that will result in compliance with the applicable rules and regulations
of that jurisdiction. We and the Underwriters require that the persons into whose possession this prospectus supplement comes
inform themselves about, and observe any restrictions relating to, the offering and the distribution of this prospectus supplement.
This prospectus supplement does not constitute an offer to sell or a solicitation of an offer to buy any securities offered by
this prospectus supplement in any jurisdiction in which such an offer or a solicitation is unlawful.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We expect
that delivery of the notes will be made against payment therefor on or about October 16, 2020, which will be the fifth
business day following the date hereof (such settlement being referred to as &ldquo;T+5&rdquo;). Under Rule&nbsp;15c6-1 of the
Exchange Act, trades in the secondary market generally are required to settle in two business days, unless the parties to any
such trade expressly agree otherwise. Accordingly, purchasers who wish to trade the notes prior to the delivery of the notes hereunder
will be required, by virtue of the fact that the notes initially settle in T+5, to specify an alternate settlement arrangement
at the time of any such trade to prevent a failed settlement. Purchasers of the notes who wish to trade the notes prior to their
date of delivery hereunder should consult their advisors.</FONT></P>


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

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b015"></A>LEGAL
MATTERS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The validity
of the notes offered hereby will be passed upon for us by Covington &amp; Burling LLP, New York, New York and certain Louisiana
law matters will be passed upon for us by Jones Walker LLP, New Orleans, Louisiana. Certain legal matters in connection with this
offering will be passed upon for the underwriters by Fenimore, Kay, Harrison &amp; Ford, LLP, Austin, Texas.</FONT></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><A NAME="i20528b016"></A>EXPERTS</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The consolidated
financial statements of the Company and its subsidiaries as of December 31, 2019 and 2018 and for each of the years in the three-year
period ended December 31, 2019 and the effectiveness of internal control over financial reporting as of December 31, 2019, incorporated
in this prospectus supplement and the accompanying prospectus by reference from the Company&rsquo;s Annual Report on Form 10-K
for the year ended December 31, 2019, have been audited by BKD, LLP, an independent registered public accounting firm, as stated
in their reports thereon, incorporated by reference in this prospectus supplement and the accompanying prospectus in reliance
upon such reports and upon the authority of such firm as experts in accounting and auditing.</FONT></P>


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><IMG SRC="i20528001.jpg" ALT="(LOGO)">&nbsp;</FONT></P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The securities
listed above may be offered by us and/or may be offered and sold, from time to time, together or separately, in one or more offerings,
by one or more selling stockholders to be identified in the future. The securities we may offer may be convertible into or exchangeable
for other securities. This prospectus describes some of the general terms that may apply to these securities and the general manner
in which they may be offered. Each time we offer any securities pursuant to this prospectus, we will provide you with a prospectus
supplement that will describe the specific amounts, prices and terms of the securities being offered and the specific manner in
which they may be offered. You should read this prospectus, the information incorporated by reference in this prospectus, the
accompanying prospectus supplement, including any information incorporated by reference therein, and any applicable free writing
prospectus carefully before you invest in the securities described in the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our common stock
is listed on the Nasdaq Global Select Market and trades under the ticker symbol &ldquo;OBNK.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may offer
and sell these securities to or through one or more underwriters, dealers and agents, directly to purchasers or through a combination
of these methods, on a continuous or delayed basis from time to time. See &ldquo;<I>Plan of Distribution.</I>&rdquo; The names
of any underwriters, dealers or agents involved in the distribution of our securities, their compensation and any option they
hold to acquire additional securities will be described in the applicable prospectus supplement. Net proceeds from the sale of
securities will be set forth in the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This prospectus
may not be used to sell securities unless accompanied by the applicable prospectus supplement. If there is any inconsistency between
the information in this prospectus and any prospectus supplement, you should rely on the information in the prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Investing
in our securities involves certain risks. See &ldquo;<I>Risk Factors</I>&rdquo; beginning on page 6 of this prospectus and contained
in our most recent Annual Report on Form 10-K and in each subsequently filed Quarterly Report on Form 10-Q, which are incorporated
herein by reference, as well as any risk factors included in, or incorporated by reference into, the applicable prospectus supplement,
to read about factors you should consider before buying any securities issued by us.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>These securities
are not savings accounts, deposits or other obligations of any of our bank and non-bank subsidiaries and are not insured or guaranteed
by the Federal Deposit Insurance Corporation or any other government agency.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>None of the
U.S. Securities and Exchange Commission, any state securities commission, the Federal Deposit Insurance Corporation, the Board
of Governors of the Federal Reserve System or any other regulatory body has approved or disapproved of these securities or determined
if this prospectus is accurate or complete. Any representation to the contrary is a criminal offense.</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center"><FONT STYLE="font-size: 10pt"><B>The
date of this prospectus is October 3, 2019.</B></FONT></P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="width: 97%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt; text-transform: uppercase">&nbsp;</FONT></td>
    <TD STYLE="width: 3%; font: 10pt Times New Roman, Times, Serif; padding: 0; text-indent: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font-size: 10pt; text-transform: uppercase">&nbsp;</FONT></td>
    <TD NOWRAP STYLE="padding: 0; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif"><B><U>Page</U></B></FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a001"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">About
    this Prospectus</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">1</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a002"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Where
    You Can Find More Information</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">2</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a003"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Forward-Looking
    Statements</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">3</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a004"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">The
    Company</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">5</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a005"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Risk
    Factors</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">6</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a006"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Use
    of Proceeds</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">7</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a007"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Securities We May Offer</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">8</td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a008"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Common Stock</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">9</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a009"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Preferred Stock</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">11</td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a010"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Debt Securities</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">13</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a011"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Depositary Shares</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">25</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a012"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Warrants</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">28</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a013"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Purchase Contracts and Purchase Units</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">30</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a014"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Subscription Rights</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">31</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a015"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Description
    of Units</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">32</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a016"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Plan
    of Distribution</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">33</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a017"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Legal
    Matters</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">36</FONT></td></tr>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase">&nbsp;</FONT></TD>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font: 10pt Times New Roman, Times, Serif">
    <TD STYLE="padding: 0; text-indent: 0; font: 10pt Times New Roman, Times, Serif"><FONT STYLE="text-transform: uppercase"><A HREF="#i20528a018"><FONT STYLE="font-family: inherit,serif; font-size: 10pt">Experts</FONT></A></FONT></td>
    <TD STYLE="padding: 0; text-align: center; font: 10pt Times New Roman, Times, Serif; text-indent: 0"><FONT STYLE="font: 10pt inherit,serif">36</FONT></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a001"></A>ABOUT THIS
PROSPECTUS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This prospectus
is part of an automatic shelf registration statement that we filed with the U.S. Securities and Exchange Commission, or the SEC,
as a &ldquo;well-known seasoned issuer,&rdquo; as defined under Rule 405 under the Securities Act of 1933, as amended, or the
Securities Act. Under this shelf registration statement, we may offer and sell from time to time, separately or together, any
combination of our common stock, preferred stock, debt securities, depositary shares, warrants, purchase contracts, purchase units,
subscription rights and units in one or more offerings up to an indeterminate aggregate dollar amount. The preferred stock, debt
securities, warrants, purchase contracts, purchase units, subscription rights and units may be convertible into, or exercisable
or exchangeable for, our common or preferred stock or other securities issued by us, or debt or equity securities issued by one
or more other entities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">This prospectus
provides you with a general description of the securities we may offer. Each time we offer and sell securities, we will provide
a prospectus supplement that will contain specific information about the terms of that offering. The prospectus supplement may
also add, update or change information contained in this prospectus. You should read this prospectus and the applicable prospectus
supplement together with the additional information described under the heading &ldquo;<I>Where You Can Find More Information</I>.&rdquo;
We may also prepare free writing prospectuses that describe particular securities. Any free writing prospectus should also be
read in connection with this prospectus and any prospectus supplement referred to therein. For purposes of this prospectus, any
reference to an applicable prospectus supplement may also refer to a free writing prospectus, unless the context otherwise requires.
Unless otherwise indicated or the context otherwise requires, all references in this prospectus to &ldquo;we,&rdquo; &ldquo;our,&rdquo;
&ldquo;us,&rdquo; &ldquo;our company&rdquo; and &ldquo;the Company&rdquo; refer to Origin Bancorp, Inc., a Louisiana corporation,
and its consolidated subsidiaries.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The registration
statement of which this prospectus forms a part, including the exhibits to the registration statement, contains additional information
about us and the securities offered under this prospectus. The registration statement can be obtained from the SEC&rsquo;s website,
www.sec.gov. Copies of certain information filed by us with the SEC are also available on our website at www.origin.bank. The
reference to our website is not intended to be an active link and the information on, or that can be accessed through, our website
is not, and you must not consider the information to be, a part of this prospectus or any other filings we make with the SEC.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The distribution
of this prospectus and any applicable prospectus supplement and the offering of the securities in certain jurisdictions may be
restricted by law. Persons who obtain this prospectus and any applicable prospectus supplement should inform themselves about,
and observe, any such restrictions. This prospectus and any applicable prospectus supplement do not constitute, and may not be
used in connection with, an offer or solicitation by anyone in any jurisdiction in which such offer or solicitation is not permitted
or in which the person making such offer or solicitation is not qualified to do so or to any person to whom it is unlawful to
make such offer or solicitation.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a002"></A>WHERE YOU
CAN FIND MORE INFORMATION</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We file annual,
quarterly and current reports, proxy statements and other information with the SEC. Our SEC filings are available to the public
on the SEC&rsquo;s website at www.sec.gov.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The SEC
allows us to &ldquo;incorporate by reference&rdquo; into this prospectus the information in documents we file with the SEC,
which means that we can disclose important information to you by referring you to those documents. The information
incorporated by reference is considered to be a part of this prospectus and should be read with the same care. When we update
the information contained in documents that have been incorporated by reference by making future filings with the SEC, the
information incorporated by reference into this prospectus is considered to be automatically updated and superseded. In other
words, in all cases, if you are considering whether to rely on information contained in this prospectus or information
incorporated by reference into this prospectus, you should rely on the information contained in the document that was filed
later. We incorporate by reference (other than any information furnished to, rather than filed with, the SEC, unless
expressly stated otherwise therein) the documents listed below (File No. 001-38487), which are considered to be a part of
this prospectus:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our Annual Report
on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000018/a12312018obnkannualreport.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the year ended December 31, 2018, filed with the SEC on February 28, 2019 (including the portions of our Definitive
Proxy Statement on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000155278119000092/e19123_obnk-def14a.htm" STYLE="-sec-extract: exhibit">Schedule 14A</A>, filed with the SEC on March 13, 2019, incorporated by reference therein);</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our Quarterly
Reports on Form 10-Q for the quarters ended <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000042/a3312019obnkquarterlyrepor.htm" STYLE="-sec-extract: exhibit">March 31, 2019</A>, filed with the SEC on May 9, 2019, and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000068/a6302019obnkquarterlyrepor.htm" STYLE="-sec-extract: exhibit">June 30, 2019</A>, filed with the
SEC on August 7, 2019;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our Current Reports
on Form 8-K (other than any items, exhibits or portions thereof furnished to, rather than filed with, the SEC) filed with the
SEC on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000008/a4q18earningsrelease8-k.htm" STYLE="-sec-extract: exhibit">January 23, 2019</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000021/march2018directorresignati.htm" STYLE="-sec-extract: exhibit">March 12, 2019</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000027/a3312019earningsrelease8-k.htm" STYLE="-sec-extract: exhibit">April 24, 2019</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000030/a2019annualmeeting8-k.htm" STYLE="-sec-extract: exhibit">April 25, 2019</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000063/a6302019earningsrelease8-k.htm" STYLE="-sec-extract: exhibit">July 24, 2019</A>; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the description
of our common stock contained in our Registration Statement on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000162828018006013/obnk8-a12b.htm" STYLE="-sec-extract: exhibit">Form 8-A</A> filed with the SEC pursuant to Section 12(b) of the Securities
Exchange Act of 1934, or the Exchange Act, on May 7, 2018, including any amendment or report filed with the SEC for purposes of
updating such description.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All reports and
other documents we subsequently file with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act until our offering
is completed will also be incorporated by reference into this prospectus and deemed to be part hereof (other than any information
furnished to, rather than filed with, the SEC, unless expressly stated otherwise therein). The most recent information that we
file with the SEC automatically updates and supersedes older information. The information contained in any such filing will be
deemed to be a part of this prospectus commencing on the date on which the document is filed.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any documents
incorporated by reference into this prospectus are available without charge to you, upon written request on the Internet at www.origin.bank
or upon written or oral request by contacting our Investor Relations department at Origin Bancorp, Inc., 1511 North Trenton Street,
Ruston, Louisiana 71270, Attention: Investor Relations, (318) 497-3177. The reference to our website is not intended to be an
active link and the information on, or that can be accessed through, our website is not, and you must not consider the information
to be, a part of this prospectus or any other filings we make with the SEC.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><B>Neither
we nor any underwriter or agent have authorized anyone else to provide you with additional or different information. We may only
use this prospectus to sell securities if it is accompanied by a prospectus supplement. We are only offering these securities
in jurisdictions where the offer is permitted. You should not assume that the information in this prospectus or the applicable
prospectus supplement or any document incorporated by reference is accurate as of any date other than the dates of the applicable
documents.</B></FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a003"></A>FORWARD-LOOKING
STATEMENTS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Certain statements
included or incorporated by reference in this prospectus and each prospectus supplement may not be based on historical facts and
are &ldquo;forward-looking statements&rdquo; within the meaning of Section 27A of the Securities Act of 1933, as amended, and
Section 21E of the Securities Exchange Act of 1934, as amended. Statements preceded by, followed by or that otherwise include
the words &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo; &ldquo;expects,&rdquo; &ldquo;intends,&rdquo;
&ldquo;plans,&rdquo; &ldquo;projects,&rdquo; and similar expressions or future or conditional verbs such as &ldquo;could,&rdquo;
&ldquo;may,&rdquo; &ldquo;might,&rdquo; &ldquo;should,&rdquo; &ldquo;will&rdquo; and &ldquo;would,&rdquo; or variations or negatives
of such terms are generally forward-looking in nature and not historical facts, although not all forward-looking statements include
the foregoing words. Forward-looking statements are not historical facts, and are based on current expectations, estimates and
projections about our industry, management&rsquo;s beliefs and certain assumptions made by management, many of which, by their
nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements
are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict.
Although we believe that the expectations reflected in our forward-looking statements are reasonable as of the date made, actual
results may prove to be materially different from the results expressed or implied by the forward-looking statements.</FONT></P>

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">There are or
will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking
statements, including, but not limited to, the following:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">deterioration
of our asset quality;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">factors that
can impact the performance of our loan portfolio, including real estate values and liquidity in our primary market areas, the
financial health of our commercial borrowers and the success of construction projects that we finance, including any loans acquired
in acquisition transactions;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">changes in the
value of collateral securing our loans;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our ability to
anticipate interest rate changes and manage interest rate risk;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the effectiveness
of our risk management framework and quantitative models;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our inability
to receive dividends from our bank subsidiary and to service debt, pay dividends to our common stockholders, repurchase our shares
of common stock and satisfy obligations as they become due;</FONT></TD>
</TR></TABLE>
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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">business and
economic conditions generally and in the financial services industry, nationally and within our local market area;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">changes in our
operation or expansion strategy or our ability to prudently manage our growth and execute our strategy;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our ability to
maintain important deposit customer relationships, our reputation or otherwise avoid liquidity risks;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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as we grow deposits;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
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associated with our business;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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direction of market interest rates;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">increased competition
in the financial services industry, particularly from regional and national institutions;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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laws, rules, regulations, interpretations or policies relating to financial institutions, as well as tax, trade, monetary and
fiscal matters;</FONT></TD>
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to the extensive body of accounting rules and best practices may change the treatment and recognition of critical financial line
items and affect our profitability;</FONT></TD>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">further government
intervention in the U.S. financial system;</FONT></TD>
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governmental and regulatory requirements, including the Dodd-Frank Wall Street Reform and Consumer Protection Act and others relating
to banking, consumer protection, securities and tax matters;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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the future of the London Interbank Offered Rate and any replacement alternatives on our business;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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and adverse weather events, acts of terrorism, an outbreak of hostilities or other international or domestic calamities, and other
matters beyond our control;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">system failures,
cybersecurity threats and/or security breaches and the cost of defending against them;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">other factors
that are discussed in the section titled &ldquo;Item 1A. Risk Factors&rdquo; in our most recent Annual Report on Form 10-K and
other filings with the SEC that are incorporated by reference in this prospectus, and additional risk factors that may be set
forth in any applicable prospectus supplement; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our ability to
manage the risks involved in the foregoing.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The foregoing
factors should not be construed as exhaustive and should be read together with the other cautionary statements included or incorporated
by reference in this prospectus. If one or more events related to these or other risks or uncertainties materialize, or if our
underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. In addition, as a
result of these and other factors, our past financial performance should not be relied upon as an indication of future performance.
Accordingly, you should not place undue reliance on any forward-looking statements. Any forward-looking statement speaks only
as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement,
whether as a result of new information, future developments or otherwise. New risks and uncertainties emerge from time to time,
and it is not possible for us to predict those events or how they may affect us. In addition, we cannot assess the impact of each
factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially
from those contained in any forward-looking statements.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a004"></A>THE COMPANY</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We are a financial
holding company headquartered in Ruston, Louisiana. Our wholly owned bank subsidiary, Origin Bank, or the Bank, was founded in
1912. Deeply rooted in our history is a culture committed to providing personalized, relationship banking to our clients and communities.
We provide a broad range of financial services to small and medium-sized businesses, municipalities, high net worth individuals
and retail clients. We currently operate 43 banking centers, located from Dallas/Fort Worth, Texas across North Louisiana to Central
Mississippi, as well as in Houston, Texas. As of June 30, 2019, we had total assets of $5.12 billion, total loans held for investment
of $3.98 billion, total deposits of $3.86 billion and total stockholders&rsquo; equity of $584.3 million.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We are committed
to building unique client experiences through a strong culture, an experienced leadership team and a focus on delivering unmatched
customer service throughout Texas, Louisiana and Mississippi. Our success has been based on (i) a talented team of relationship
bankers, executives and directors, (ii) a diverse footprint with stable and growth-oriented markets, (iii) differentiated and
customized delivery and service, (iv) our core deposit franchise and (v) an ability to significantly leverage our infrastructure
and technology.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our common stock
is listed on the Nasdaq Global Select Market under the symbol &ldquo;OBNK.&rdquo; We were organized as a business corporation
in 1991 under the laws of the state of Louisiana. Our principal executive offices are located at 500 South Service Road East,
Ruston, Louisiana 71270, and our telephone number is (318) 255-2222.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Additional
information about us and our subsidiaries is included in documents incorporated by reference in this prospectus. See &ldquo;<I>Where
You Can Find More Information.</I>&rdquo;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a005"></A>RISK FACTORS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Investing in
securities issued by us involves certain risks. Before you invest in any securities issued by us, in addition to the other information
included in, or incorporated by reference into, this prospectus, as well as the information contained in any applicable prospectus
supplement, you should carefully consider the risk factors contained in the section titled &ldquo;Item 1A. Risk Factors&rdquo;
and elsewhere in our Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/1516912/000151691219000018/a12312018obnkannualreport.htm" STYLE="-sec-extract: exhibit">Form 10-K</A> for the year ended December 31, 2018, which is incorporated by reference into
this prospectus, as updated by our Annual or Quarterly Reports for subsequent fiscal years or fiscal quarters that we file with
the SEC and that are so incorporated. See &ldquo;<I>Where You Can Find More Information</I>&rdquo; for information about how to
obtain a copy of these documents. You should also carefully consider the risks and other information that may be contained in,
or incorporated by reference into, any prospectus supplement relating to specific offerings of securities. Additional risks and
uncertainties not presently known to us or that we currently deem immaterial may also materially and adversely affect our business
and operations.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a006"></A>USE OF PROCEEDS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We intend to
use the net proceeds from the sales of the securities in the manner and for the purposes set forth in the applicable prospectus
supplement, which may include general corporate purposes.</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a007"></A>DESCRIPTION
OF SECURITIES WE MAY OFFER</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>This prospectus
contains summary descriptions of our capital stock. These summary descriptions are not meant to be complete descriptions of each
security. The applicable prospectus supplement for an offering may add, update or change the terms and conditions of the securities
as described in this prospectus. This summary is qualified by reference to the applicable provisions of the Louisiana Business
Corporation Act, or the LBCA, our Restated Articles of Incorporation, which we refer to as our Articles of Incorporation, and
our Bylaws, each as amended. You are urged to read those documents carefully. Copies of our Articles of Incorporation and Bylaws
are incorporated by reference in this prospectus as exhibits to the registration statement of which this prospectus forms a part.
See &ldquo;Where You Can Find More Information.&rdquo;</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a008"></A>DESCRIPTION
OF COMMON STOCK</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may issue,
separately or together with, or upon conversion, exercise or exchange of other securities, shares of our common stock as set forth
in the applicable prospectus supplement. The following section describes the material features and rights of our common stock.
This summary does not purport to be exhaustive and is qualified in its entirety by reference to our Articles of Incorporation
and our Bylaws, each of which is incorporated by reference as an exhibit to the registration statement of which this prospectus
forms a part, and to applicable Louisiana law, including the LBCA.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Authorized and Outstanding Shares</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As of the date
of this prospectus, we were authorized to issue 50,000,000 shares of our common stock. As of September 25, 2019, there were 23,481,781
shares of our common stock issued and outstanding. On September 25, 2019, approximately 254,000 shares of our common stock were
issuable upon exercise of outstanding stock options and approximately 949,316 shares were reserved for future issuance under our
2012 Stock Incentive Plan.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Voting and Other Rights</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The holders of
our common stock are entitled to one vote per share on all matters submitted to a vote of our stockholders, unless otherwise provided
by law and subject to the rights and preferences of the holders of any outstanding shares of our preferred stock. Our Articles
of Incorporation provide that the affirmative vote of at least two-thirds of the total voting power of the Company is required
to amend or repeal Article VI (Voting Amendments), Article VII (Limitation of Liability) or Article VIII (Indemnification) of
our Articles of Incorporation, and that such amendment or repeal will be prospective only. Our Articles of Incorporation also
provide that our Bylaws may be amended by a vote of not less than two-thirds of the total number of directors then holding office,
subject to the power of the stockholders, acting by a vote of the holders of not less than two-thirds of the total voting power
of the Company, to change or repeal the Bylaws, including any amendments to the Bylaws adopted by our board of directors.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our directors
are divided into three classes (Class A, Class B and Class C). Holders of our common stock are not entitled to cumulative voting
in the election of directors. Directors are elected by the vote of a majority of the votes cast by the holders of shares entitled
to vote at any meeting for the election of directors at which a quorum is present, provided that if the number of director nominees
exceeds the number of directors to be elected at such meeting, the directors will be elected by a plurality of the votes cast
by the holders of shares entitled to vote at such meeting at which a quorum is present.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No holder of
our common stock has a right under the LBCA, or our Articles of Incorporation or Bylaws, to purchase shares of common stock upon
any future issuance. Holders of our common stock have no conversion rights or other subscription rights. There are no other redemption
or sinking fund provisions that are applicable to our common stock. In the event of our liquidation, dissolution or winding-up,
whether voluntarily or involuntarily, the holders of our common stock would be entitled to share ratably in any of the net assets
or funds which are available for distribution to stockholders, after the satisfaction of all liabilities and accrued and unpaid
dividends and liquidation preferences on any outstanding preferred stock.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">All shares
of our common stock are entitled to share equally in dividends from legally available funds, when, as, and if declared by our
board of directors. Our ability to pay dividends depends on the amount of dividends paid to us by the Bank. The payment of dividends
by us and the Bank is subject to government regulation, in that regulatory authorities may prohibit banks and financial holding
companies from paying dividends in a manner that would constitute an unsafe or unsound banking practice. In addition, a bank may
not pay cash dividends if doing so would reduce the amount of its capital below that necessary to meet minimum regulatory capital
requirements. State and federal laws also limit a bank&rsquo;s ability to pay dividends. Accordingly, the dividend restrictions
imposed on our subsidiaries by statute or regulation may effectively limit the amount of dividends we can pay.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Holders of our
debt securities have priority to distributions and payment over holders of our common stock. The dividend rights of holders of
our common stock could also become subject to the dividend rights of holders of any outstanding preferred stock that we issue
in the future.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The transfer
agent and registrar for our common stock is EQ Shareowner Services.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Antitakeover Effects of Governing
Documents</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our Articles
of Incorporation and Bylaws contain certain provisions that could delay, discourage or prevent an attempted acquisition or change
of control of the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Articles of Incorporation</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Article IV divides
our board of directors into three classes and the directors in each class serve a three-year term. The election of directors is
staggered so that approximately one-third of the board of directors is elected at each annual meeting. A vote of not less than
two-thirds of the total number of directors then holding office is required to increase or decrease the number of directors.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our Articles
of Incorporation provide that the affirmative vote of at least two-thirds of the total voting power of the Company is required
to amend or repeal Article VI (Voting Amendments), Article VII (Limitation of Liability) or Article VIII (Indemnification) of
our Articles of Incorporation, and that such amendment or repeal will be prospective only. Additionally, our Articles of Incorporation
require the vote of not less than two-thirds of the total number of directors then holding office, subject to the power of the
stockholders, acting by a vote of the holders of not less than two-thirds of the total voting power of our company, to change
or repeal the Bylaws, including any amendments to the Bylaws made by our board of directors.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Article IX provides
that except as otherwise specifically provided by law, special meetings of the stockholders of the Company may be called by our
board of directors, the chairman of our board or our chief executive officer, and shall be called by the secretary of the Company
upon the written demand of the holders of at least 25% of all shares entitled to vote at the proposed meeting pursuant to a request
made in accordance with procedures set forth in our Bylaws.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Finally, our
board of directors, without stockholder approval, has the authority under our Articles of Incorporation to issue preferred stock
with rights superior to the rights of the holders of common stock. As a result, preferred stock, while not intended as a defensive
measure against takeovers, could be issued quickly and easily, which may adversely affect the rights of holders of common stock
and could make it more difficult or time consuming for a third party to acquire a majority of our outstanding voting stock or
otherwise effect a change of control. Within the limits described below under &ldquo;<I>Description of Preferred Stock</I>,&rdquo;
our board of directors may issue preferred stock for capital raising transactions, acquisitions, joint ventures or other corporate
purposes that has the effect of making an acquisition of the Company more difficult or costly.</FONT></P>

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



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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our Bylaws
establish an advance notice procedure with regard to business to be brought before an annual or special meeting of stockholders
and with regard to the nomination of candidates for election as directors, other than by or at the direction of the board of directors.
Although this procedure does not give our board of directors any power to approve or disapprove stockholder nominations for the
election of directors or proposals for action, it may have the effect of precluding a contest for the election of directors or
the consideration of stockholder proposals if the established procedure is not followed, and of discouraging or deterring a third
party from conducting a solicitation of proxies to elect its own slate of directors or to approve its proposal without regard
to whether consideration of the nominees or proposals might be harmful or beneficial to our stockholders and us. Our board of
directors may amend our Bylaws without shareholder approval.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a009"></A>DESCRIPTION
OF PREFERRED STOCK</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The following
section describes the general terms of preferred stock that we may issue. The specific terms of any series of preferred stock
will be described in the prospectus supplement relating to that series of preferred stock. The terms of any series of preferred
stock may differ from the terms described below. Certain provisions of our preferred stock described below and in any prospectus
supplement are not complete. The summary does not purport to be exhaustive and is qualified in its entirety by reference to our
Articles of Incorporation and our Bylaws, each of which is incorporated by reference as an exhibit to the registration statement
of which this prospectus forms a part, and to applicable Louisiana law, including the LBCA.</I></FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our Articles
of Incorporation permit our board of directors to authorize the issuance of up to 2,000,000 shares of preferred stock, no par
value, in one or more series, without stockholder action. None of our preferred stock is currently outstanding.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our board of
directors can fix the number of shares to be included in each such series, and the designation, powers, preferences, limitations
and relative rights of the shares of each such series. Therefore, without stockholder approval, our board of directors can authorize
the issuance of preferred stock with voting, dividend, liquidation, conversion and redemption and other rights that could dilute
the voting power of our common stock and may assist management in impeding any unfriendly takeover or attempted change in control.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our preferred
stock has the terms described below unless otherwise provided in the prospectus supplement relating to a particular series of
our preferred stock. You should read the prospectus supplement relating to the particular series of our preferred stock being
offered for specific terms, including:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the number of
shares constituting that series and the distinctive designation of that series;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the dividend
rate on the shares of that series, whether dividends will be cumulative, and, if so, from which date or dates, and the relative
rights of priority, if any, of the payment of dividends on shares of that series;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether that
series will have voting rights, in addition to the voting rights provided by law, and, if so, the terms of such voting rights;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether that
series will have conversion privileges, and, if so, the terms and conditions of such conversion, including provision for adjustment
of the conversion rate in such events as our board of directors may determine;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether or not
the shares of that series will be redeemable, and, if so, the terms and conditions of such redemption, including the date or date
upon or after which they will be redeemable, and the amount per share payable in case of redemption, which amount may vary under
different conditions and at different redemption dates;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether that
series will have a sinking fund for the redemption or purchase of shares of that series, and, if so, the terms and amount of such
sinking fund;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the rights of
the shares of that series in the event of voluntary or involuntary liquidation, dissolution or winding-up of the Company, and
the relative rights of priority, if any, of payment of shares of that series; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other relative
rights, preferences and limitations of that series.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any series of
preferred stock could rank senior, equal or junior to our other capital stock, as may be described in the applicable prospectus
supplement, as long as our Articles of Incorporation so permit.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Holders of
each series of preferred stock will be entitled to receive dividends if so specified in the applicable designations when, as
and if declared by our board of directors, from funds legally available for the payment of dividends. The rates and dates of
the payment of dividends for each series of preferred stock will be stated in the applicable prospectus supplement. Dividends
will be payable to holders of record of preferred stock as they appear on our books on the record dates fixed by our board of
directors. Dividends on any series of preferred stock may be cumulative or noncumulative, as set forth in the applicable
prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Our ability to
pay dividends depends on the amount of dividends paid to us by the Bank. The payment of dividends is subject to government regulation,
in that regulatory authorities may prohibit banks and financial holding companies from paying dividends in a manner that would
constitute an unsafe or unsound banking practice. In addition, a bank may not pay cash dividends if doing so would reduce the
amount of its capital below that necessary to meet minimum regulatory capital requirements. State and federal laws also limit
a bank&rsquo;s ability to pay dividends. Accordingly, the dividend restrictions imposed on our subsidiaries by statute or regulation
effectively may limit the amount of dividends we can pay. Holders of our debt securities have priority to distributions and payment
over holders of our stock.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless otherwise
described in the applicable prospectus supplement, holders of our preferred stock will have no voting rights except as otherwise
required by law or by our Articles of Incorporation.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Conversion or Exchange Rights</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The prospectus
supplement relating to any series of preferred stock that is convertible, exercisable or exchangeable will state the terms on
which shares of that series are convertible into or exercisable or exchangeable for shares of common stock, another series of
preferred stock or other securities of the Company.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may provide
that a series of our preferred stock may be redeemable, in whole or in part, at our option. In addition, a series of preferred
stock may be subject to mandatory redemption pursuant to a sinking fund or otherwise. The redemption provisions that may apply
to a series of preferred stock, including the redemption dates and the redemption prices for that series, will be described in
the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In the event
of partial redemptions of our preferred stock, whether by mandatory or optional redemption, our board of directors will determine
the method for selecting the shares to be redeemed, which may be by lot, on a ratable basis or by any other method determined
to be equitable. On or after a redemption date, unless we default in the payment of the redemption price, dividends will cease
to accrue on shares of preferred stock called for redemption. In addition, all rights of holders of the shares will terminate
except for the right to receive the redemption price.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The transfer
agent and registrar for our preferred stock will be EQ Shareowner Services.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a010"></A>DESCRIPTION
OF DEBT SECURITIES</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>The complete
terms of the debt securities will be contained in the indenture and supplemental indenture applicable to the debt securities.
These documents will be included or incorporated by reference into this prospectus or the applicable prospectus supplement. You
should read the indenture and applicable supplemental indenture relating to any debt securities. You should also read the applicable
prospectus supplement, which will contain additional information and which may update or change some of the information below.</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may issue,
separately or together with, or upon conversion, exercise or exchange of other securities, debt securities, including debentures,
notes, bonds and other evidence of indebtedness as set forth in the applicable prospectus supplement. The debt securities may
be either secured or unsecured and will be either senior debt securities or subordinated debt securities. The debt securities
will be issued under one or more separate indentures between us and a trustee to be specified in an accompanying prospectus supplement.
Senior debt securities will be issued under a senior indenture and subordinated debt securities will be issued under a subordinated
indenture. We refer to the senior indenture and the subordinated indenture together as the indentures. This prospectus, together
with the applicable prospectus supplement, will describe the terms of each series of debt securities that we may offer from time
to time.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The following
summary of the material provisions of the indentures and the debt securities does not purport to be complete and is subject to,
and is qualified in its entirety by reference to, the provisions of the applicable indenture and certificates evidencing the applicable
debt securities. The specific terms of the applicable indenture and debt securities will be described in the applicable prospectus
supplement. If any particular terms of the applicable indenture or debt securities described in a prospectus supplement differ
from any of the terms described below, then the terms described below will be deemed to have been superseded by those described
in the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Capitalized terms
used but not defined in this section have the meanings given to those terms in the applicable prospectus supplement or, if not
defined in the applicable prospectus supplement, in the applicable indenture.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">As used in this
section, &ldquo;we,&rdquo; &ldquo;our,&rdquo; &ldquo;us&rdquo; and the &ldquo;Company&rdquo; refer only to Origin Bancorp, Inc.
and not to any of its subsidiaries.</FONT></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Debt securities
may be issued in separate series without limitation as to aggregate principal amount. We may specify a maximum aggregate principal
amount for the debt securities of any series. We are not limited as to the amount of debt securities that we may issue under the
indentures. Unless otherwise provided in a prospectus supplement, a series of debt securities may be reopened to issue additional
debt securities of such series. The subordinated debt securities will be subordinated as described below under the heading &ldquo;&mdash;<I>Subordinated
Debt</I>.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The prospectus
supplement relating to a particular series of debt securities will set forth the material terms of the debt securities being offered,
as established pursuant to a board resolution, in an officer&rsquo;s certificate or in a supplemental indenture, including:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the title of
the debt securities and whether they are senior debt securities or subordinated debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the offering
price (which may be expressed as a percentage of the aggregate principal amount) of the debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the aggregate
principal amount of such series that may be authenticated and delivered under the indentures (except for securities authenticated
and delivered upon registration of transfer of, or in exchange for, or in lieu of, other securities of the series pursuant to
the indenture and except for any securities deemed never to have been authenticated and delivered);</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the maturity
date or dates;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">if applicable,
whether the debt securities shall be subject to the defeasance provisions described below under &ldquo;&mdash;<I>Satisfaction
and Discharge</I>&rdquo; or such other defeasance provisions specified in the applicable prospectus supplement for the debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any conversion
or exchange provisions;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the date of the
debt securities if other than the date of original issuance;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the person who
shall be entitled to receive interest, if other than the record holder on the record date and the manner in which such interest
will be payable;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the date or dates
on which the principal of the debt securities of such series is payable;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the rate or rates,
and if applicable the method used to determine the rate, at which the debt securities of such series will bear interest, if any,
the date or dates from which such interest will accrue, the date or dates on which such interest will be payable and the record
date or dates for the interest payable on any debt securities on any interest payment date;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the place or
places where payments of principal and interest may be made and securities may be surrendered for registration of transfer or
for exchange;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the obligation,
if any, of the Company to redeem or purchase the debt securities of such series, at the option of the Company or at the option
of a holder thereof, pursuant to any sinking fund or other redemption provisions and the period or periods within which, the price
or prices at which and the terms and conditions upon which the debt securities of the series may be so redeemed or purchased,
in whole or in part;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">if issued other
than in minimum denominations of $1,000 or any multiple of $1,000, or $5,000 in the case of Bearer Securities, the denominations
in which the debt securities will be issuable;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the portion of
the principal amount that will be payable upon acceleration of maturity, if other than the entire principal amount;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">if other than
U.S. currency, the currency, currencies or currency units in which principal, premium, if any, or interest will be payable and
the manner of determining the equivalent thereof in U.S. currency;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">if the principal
of (and premium, if any, on) or any interest on the debt securities is to be payable, at our election or the election of a holder
thereof, in one or more currencies other than that the currency or currencies in which the debt securities are stated to be payable,
the currency or currencies in which payment is to be made payable and the periods and terms upon which such election is to be
made;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">if the amount
of payments of principal of (and premium, if any, on) or any interest on the debt securities of the series may be determined by
reference to an index, the manner in which such amounts shall be determined;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the debt
securities will be issuable in book-entry only form;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any interest
rate calculation agents, exchange rate calculation agents or other agents for the debt securities, if other than the trustee;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether and under
what circumstances we will pay additional amounts in respect of any series of debt securities and whether we have the option to
redeem such debt securities rather than pay such additional amounts;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any provisions
relating to the extension of maturity of, or the renewal of, the debt securities of such series, or the conversion of the debt
securities of such series into other securities of the Company;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any provisions
relating to the purchase or redemption of all or any portion of a tranche or series of debt securities, including the period of
notice required to redeem those debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the terms and
conditions, if any, pursuant to which the debt securities are secured;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any subordination
provisions applicable to the subordinated debt securities if different from those described below under &ldquo;&mdash;<I>Subordinated
Debt</I>&rdquo;;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other terms
or provisions relating to the payment of principal of, premium (if any) or interest thereon, including, but not limited to, whether
such debt securities are issuable at a discount or premium, as amortizable debt securities and if payable in, convertible or exchangeable
for commodities or other securities of ours; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other specific
terms of such debt securities.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If we
denominate the purchase price of any of the debt securities in a foreign currency or currencies, or if the principal of or
premium, if any, or interest on any series of debt securities is payable in a foreign currency or currencies, we will include
in the applicable prospectus supplement information on the restrictions, elections, material United States federal income tax
considerations, specific terms and other information with respect to that issue of debt securities and the relevant foreign
currency or currencies.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless otherwise
specified in the prospectus supplement, the debt securities will be registered debt securities. Debt securities may be sold at
a substantial discount below their stated principal amount, bearing no interest or interest at a rate which at the time of issuance
is below market rates. The material United States federal income tax considerations applicable to debt securities sold at a discount
will be described in the applicable prospectus supplement.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except as otherwise
provided in a prospectus supplement, senior debt securities will be unsecured and will rank equally with all other unsecured and
unsubordinated debt of the Company, and will rank senior in right of payment to any subordinated debt.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Except as otherwise
provided in a prospectus supplement, subordinated debt securities will be unsecured and will be subordinated in right of payment
to the prior payment in full of all of our Senior Indebtedness, as more fully described in the applicable prospectus supplement.
Notwithstanding the foregoing, if a deposit is made in accordance with the terms of the indenture with respect to any debt securities
(and provided all other conditions set out in the indenture shall have been satisfied with respect to such debt securities), then,
when the 90<SUP>th</SUP> day after such deposit has ended, no money obligations so deposited, and no proceeds thereon, will be
subject to any rights of holders of Senior Indebtedness, including any rights of subordination.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under the subordinated
debt indenture, Senior Indebtedness means, without duplication, the principal, premium, if any, unpaid interest (including interest
accruing on or after the filing of any petition in bankruptcy or for reorganization, whether or not a claim for post-filing interest
is allowed in such proceeding), fees, charges, expenses, reimbursement and indemnification obligations, and all other amounts
payable under or in respect of the following indebtedness, whether any such indebtedness exists as of the date of the indenture
or is created, incurred or assumed after such date:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all obligations
for borrowed money;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all obligations
evidenced by debentures, debt securities or other similar instruments;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all obligations
associated with derivative products, including but not limited to, securities contracts, foreign currency exchange contracts,
swap agreements (including interest rate and foreign exchange rate swap agreements), cap agreements, floor agreements, collar
agreements, interest rate agreements, foreign exchange rate agreements, options, commodity futures contracts, commodity option
contracts and similar financial instruments;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all obligations
in respect of letters of credit or bankers acceptances or similar instruments (or reimbursement obligations with respect thereto);</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all obligations
to pay the deferred purchase price of property or services, except trade accounts payable arising in the ordinary course of business;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all indebtedness
of others guaranteed by us or any of our subsidiaries or for which we or any of our subsidiaries is legally responsible or liable
(whether by agreement to purchase indebtedness of, or to supply funds or to invest in, others);</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">indebtedness
secured by any mortgage, pledge, lien, charge, encumbrance or any security interest existing on property owned by the Company
but excluding any obligations of the Company which are required (as opposed to elected) to be treated as finance leases under
generally accepted accounting principles;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">purchase money
and similar obligations; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any renewals,
extensions, refundings or replacements of any of the foregoing.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Methods of Receiving Payments
on the Debt Securities</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless otherwise
indicated in a prospectus supplement, the debt securities will be payable as to principal, redemption premium, if any, and interest
at the office or agency of the paying agent (which may be us) or, at our option, payment of interest may be made by check mailed
to the holders of the debt securities at their last addresses as they appear on the register of holders or wired if held in book-entry
form.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Events of Default; Waiver</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless we indicate
otherwise in a prospectus supplement with respect to a particular series of debt securities, an &ldquo;event of default,&rdquo;
when used in the indentures, means any of the following:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our default in
the payment of the principal (or premium, if any) on any of the debt securities of such series as and when due, either at maturity,
upon redemption, by declaration or otherwise, or any payment required by any sinking or analogous fund with respect to any series
of the debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our default in
the payment of any installment of interest on the debt securities when due, and continuance of such default for a period of 90
days;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our failure to
observe or perform any other covenant or agreement in the debt securities or the applicable indenture and the continuance of such
default or breach for a period of 90 days after our receipt of written notice from the trustee or the holders of at least 25%
in aggregate principal amount of the debt securities then outstanding of that series specifying such failure and requiring it
to be remedied;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a court having
jurisdiction enters a decree or order for relief in respect of us or a Material Subsidiary in an involuntary case or proceeding
under any applicable bankruptcy, insolvency or other similar law, or appointing a receiver, liquidator, assignee, custodian, trustee,
sequestrator (or similar official) of us or a Material Subsidiary or for any substantial part of our or its respective property,
or ordering the winding-up or liquidation of our affairs shall have been entered and remained unstayed and in effect for a period
of 60 consecutive days;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we or a Material
Subsidiary commence a voluntary case or proceeding under any applicable bankruptcy, insolvency or other similar law, or consent
to the entry of a decree or order for relief in an involuntary case or proceeding under any such law, or the consent to the appointment
of or taking possession by a receiver, liquidator, assignee, trustee, custodian, sequestrator (or other similar official) of us
or a Material Subsidiary or of any substantial part of our or its respective property, or the making by us or a Material Subsidiary
of a general assignment for the benefit of creditors; or</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other event
of default provided with respect to a particular series of debt securities, as described in the prospectus supplement with respect
to the offering of such series.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A Material Subsidiary
means Origin Bank or any successor thereof or any of our subsidiaries that is a depository institution and that has consolidated
assets equal to 80% or more of our consolidated assets.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If an event of
default occurs and continues as described in the first, second, third or sixth bullet above, either the trustee or the holders
of at least 25% in aggregate principal amount of the debt securities of that series then outstanding by written notice to us (with
a copy to the trustee, if given by holders) may declare the principal amount of the debt securities of that series to be immediately
due and immediately payable. If an event of default occurs and continues as described in the fourth or fifth bullet above, the
principal amount of all of the debt securities issued under the indentures shall automatically be deemed immediately due and payable.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The indentures
also provide that the holders of a majority in principal amount of the debt securities of each series outstanding at the time
may, on behalf of the holders of all of the debt securities of that series, waive any past default with respect to the debt securities
and its consequences, except a default in the payment of the principal of, premium, if any, and interest on the debt securities
or a bankruptcy or insolvency-related default, or with respect to any covenant or provision that cannot be modified or amended
under the terms of the indenture without the holder of such outstanding debt security so affected.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The holders of
a majority in principal amount of the debt securities of each series may direct the time, method and place of conducting any proceeding
for any remedy available to the trustee or exercising any trust or power conferred on the trustee. However, the trustee may refuse
to follow any direction that conflicts with law or the indentures or that the trustee determines in good faith may be unjustly
prejudicial to the holders of the debt securities not consenting or that may involve the trustee in personal liability. In addition,
the trustee may take any other action it deems proper that is not inconsistent with any such direction received from the holders
of a majority in principal amount of the debt securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The trustee
shall be under no obligation to exercise any of the rights or powers vested in it by the indentures at the request, order or
direction of any of the holders of any debt securities or related coupons pursuant to the provisions of the indentures,
unless such holders shall have offered to the trustee security or indemnity reasonably satisfactory to it against the losses,
costs, expenses and liabilities which might be incurred by it in compliance with such request, order or direction. Except to
enforce the right to receive payment of principal, premium, if any, or interest, no holder of a debt security will have any
right to institute any proceeding, judicial or otherwise, with respect to the indenture, or for the appointment of a receiver
or trustee, or for any other remedy under the indenture unless:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">such holder has
previously given the trustee written notice of a continuing event of default;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">holders of at
least 25% in aggregate principal amount of the outstanding debt securities of that series have made a written request to the trustee
to institute proceedings in respect of such event of default in its own name as trustee under the indenture;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">such holders
provide to the trustee reasonable indemnity acceptable to the trustee against the costs, expenses and liabilities to be incurred
with such request;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the trustee has
failed to institute a proceeding within 60 days after its receipt of the notice, request and offer of indemnity; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the holders of
a majority in aggregate principal amount of the outstanding debt securities do not give the trustee a direction inconsistent with
the request within such 60-day period.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each indenture
requires the applicable trustee to notify the holders of a series regarding the existence of any default known to the trustee,
unless the default has been cured or waived. In addition, except in the case of a default in payment of principal of or interest
on any debt security or the payment of any sinking or purchase fund installment, the trustee may withhold notice of a default
if and so long as the trustee in good faith determines that withholding the notice is in the interests of the holders of the debt
securities. Furthermore, the trustee shall not provide notice of default to the holders of debt securities following our failure
to duly observe or perform any of the covenants or agreements contained in the debt securities or indenture (other than certain
payment obligations) </FONT></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">unless at least 30 days after the occurrence thereof. For purposes of these requirements, a &ldquo;default&rdquo;
means any event which is, or after notice or lapse of time or both would become, an event of default under the indentures with
respect to the debt securities of such series.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We are required
to deliver to the trustee, within 120 days after the end of each fiscal year, commencing with the year during which the first
series of debt securities is issued under an indenture, a written statement signed by certain officers regarding our performance
under the indenture throughout the year and specifying any known default in the fulfilment of any of our obligations under the
indenture, together with certain additional details regarding any such known default.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Merger, Consolidation, Sale, Lease
or Conveyance</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless otherwise
indicated in a prospectus supplement with respect to a particular series of debt securities, we will not merge into or consolidate
with any other corporation, or sell or convey all or substantially all of our assets to any person, firm, or corporation, unless:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">either we are
the continuing corporation or the successor corporation is a corporation organized and existing under the laws of the United States
or a state thereof or the District of Columbia and expressly assumes the due and punctual payment of the principal, premium, if
any, and interest on all the debt securities according to their tenor, and the due and punctual performance and observance of
all of the covenants and conditions of the indenture to be performed by us by supplemental indenture, executed and delivered to
the trustee by such successor corporation;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">neither we nor
such successor corporation, immediately after giving effect to such merger, consolidation, sale or conveyance, will be in default
in the performance of any covenant or condition under the applicable indenture; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we shall have
delivered to the trustee an officer&rsquo;s certificate and an opinion of counsel, each stating that the transaction complies
with the terms of the applicable indenture and that all conditions precedent in such indenture provided for relating to such transaction
have been complied with.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In the case of
any such consolidation or merger, sale or conveyance and upon any such assumption by the successor corporation, the successor
corporation shall succeed to, and be substituted for, us under the applicable indenture with the same effect as if it had been
an original party to such indenture.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The applicable
prospectus supplement will describe any restrictive covenants applicable to any debt securities we offer for sale.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Modification of the Indenture</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless we indicate
otherwise in a prospectus supplement and except as set forth below, modification and amendment of an indenture, or entry into
a supplemental indenture applicable to the debt securities, may be made only when authorized by our board of directors and with
the consent of the holders of not less than a majority in principal amount of the debt securities outstanding affected by such
supplemental indenture, voting together as a single class.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Notwithstanding
the foregoing, no modification or amendment of an indenture as applicable to any series of debt securities may:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">extend the fixed
maturity of any debt security, or reduce the principal amount thereof or premium, if any, or reduce the rate or extend the time
of payment of interest thereon, without the consent of the holder of each debt security so affected;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">reduce the percentage
in principal amount of outstanding debt securities that is required for any supplemental indenture without the consent of the
holders of all debt securities then outstanding;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">modify the subordination
provisions in a manner adverse to the holders of any debt security; or</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">modify any of
the applicable provisions with respect to modification and waiver.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In addition,
we and the trustee may modify or amend the indentures as applicable to the debt securities, with the consent of our board of directors
but without the consent of any holder of the debt securities, for any of the following purposes:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to evidence the
succession of another corporation to the Company, or successive successions, and provide for the successor&rsquo;s assumption
of our covenants, agreements and obligations under the indentures and the debt securities issued thereunder;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to add further
covenants, restrictions, conditions or provisions as our board of directors considers to be for the protection of the holders
of the debt securities, and to make the occurrence, or the occurrence and continuance, of a default in any of such additional
covenants, restrictions, conditions or provisions an event of default permitting the enforcement of all or any of the remedies
provided under the applicable indenture, with such period of grace and subject to such conditions as such supplemental indenture
may provide;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to add or change
any of the provisions of the indenture to provide that Bearer Securities may be registrable as to principal, to change or eliminate
any restrictions on the payment of principal of or any premium or interest on Bearer Securities, to permit Bearer Securities to
be issued in exchange for Registered Securities, to permit Bearer Securities to be issued in exchange for Bearer Securities of
other authorized denominations or to permit or facilitate the issuance of debt securities in uncertificated form; provided, that
any such action shall not adversely affect the interests of the holders of the debt securities or any related coupons in any material
respect;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to modify, eliminate
or add provisions of the indenture to such extent as necessary in order to effect the qualification of the applicable indenture
under the Trust Indenture Act of 1939, as amended, or the Trust Indenture Act, or any similar federal statute thereafter enacted,
and to add such other provisions as may be expressly permitted by the Trust Indenture Act, excluding Section 316(a)(2) thereof
or any corresponding provision in any similar federal statute hereafter enacted;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to modify, eliminate
or add to any provisions of the indenture; provided that any such change or elimination (i) becomes effective only when there
are no outstanding debt securities and created prior to the execution of such supplemental indenture that is entitled to the benefit
from such provision or (ii) does not apply to any outstanding debt security;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">(i) to cure any
ambiguity or to correct or supplement any provision in the indenture or any supplemental indenture which may be defective or inconsistent
with any other provision, (ii) to convey, transfer, assign, mortgage or pledge any property to or with the trustee or (iii) to
make such other provisions in regard to matters or questions arising under the indenture; provided, that no such provision shall
adversely affect in any material respect the interests of the holders of the debt securities or any related coupons, including
provisions necessary or desirable to provide for or facilitate the administration of the trusts;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to secure any
series of debt securities; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">to evidence and
provide for the acceptance and appointment by a successor trustee with respect to the debt securities of one or more series and
to add or change any provisions of the indenture as necessary to provide for or facilitate the administration of the trusts.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The trustee shall
not be obligated to enter into any amendment or supplemental indenture that adversely affects the trustee&rsquo;s own rights,
duties or immunities under the applicable indenture or otherwise.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Subject to the
requirements for the holders to waive a default related to bankruptcy events, defaults related to covenants or provisions that
cannot be modified without the consent of each affected holder, and the rights of any holder of a debt security to receive payment
of principal of, premium, if any, on and interest on such debt </FONT></P>

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    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">securities, holders of a majority in aggregate principal amount
of the debt securities voting as a single class of such series or of all debt securities, as the case may be, then outstanding
may waive all defaults with respect to that series or with respect to all securities treated as a single class and rescind and
annul such declaration and its consequences, but no waiver or rescission and annulment will extend to or affect any subsequent
default.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Outstanding Debt Securities; Determinations
of Holders&rsquo; Actions</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Debt securities
outstanding at any time are the debt securities authenticated and delivered by the trustee except for those cancelled by the trustee
or delivered to the trustee for cancellation, those debt securities, or portions thereof, for which we have deposited in trust
with the trustee or any paying agent<B> </B>a sufficient amount of money for the payment or redemption thereof, those debt securities
that have been defeased under the indenture, and those debt securities that have been exchanged for other debt securities issued
under the indenture or that have been mutilated, destroyed, lost or stolen and replaced by the trustee. A debt security does not
cease to be outstanding because we or an affiliate of ours holds the debt security; provided, that in determining whether the
holders of the requisite aggregate principal amount of debt securities have given or concurred in any request, demand, authorization,
notice, direction, consent or waiver, debt securities owned by us, any other obligor of the debt securities or any other person
directly or indirectly controlling or controlled by or under direct or indirect common control with us or any other obligor on
the debt securities, will be disregarded and deemed not to be outstanding for the purpose of any such determination, except for
determining whether the trustee shall be protected in relying on any such request, demand, authorization, direction, notice, consent
or waiver, only debt securities which the trustee knows are so owned will be so disregarded, and debt securities that have been
pledged in good faith may also be regarded as outstanding under certain circumstances.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Satisfaction and Discharge</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each indenture
may be discharged and cease to be of further effect as to the applicable debt securities, when:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">either:</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt inherit,serif">o</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all debt securities
of any series that have been authenticated and all coupons, if any, appertaining thereto have been delivered to the trustee for
cancellation, except (i) coupons on Bearer Securities that meet certain conditions, (ii) debt securities and coupons that have
been destroyed, lost or stolen and that have been replaced or paid as provided in the indenture, (iii)&nbsp;coupons relating to
debt securities called for redemption and maturing after the relevant redemption date, whose surrender has been waived, and (iv)
debt securities and coupons for which payment has been deposited in trust or segregated and held in trust by us and thereafter
repaid to us or discharged from such trust; or</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt inherit,serif">o</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all debt securities
and certain coupons discussed above that have not been delivered to the trustee for cancellation (i) have become due and payable,
(ii) are by their terms due and payable within one year or (iii) are to be called for redemption within one year under arrangements
satisfactory to the trustee for the giving of notice of redemption, and in the case of clauses (i) and (iii) in the preceding
bullet point, we have deposited or caused to be deposited with the trustee as trust funds the entire amount (other than moneys
repaid by the trustee or any paying agent to us under the terms of the indenture) sufficient to pay at maturity or upon redemption
all debt securities of such series and coupons not delivered to the trustee for cancellation, including principal (and premium,
if any) and any interest due or to become due to such date of maturity or date of redemption;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we have paid
or caused to be paid all other sums payable by us under the applicable indenture with respect to the debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">upon demand of
and at our cost and expense, the trustee has executed instruments reasonably requested by us acknowledging the satisfaction and
discharge of the applicable indenture with respect to the debt securities; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we have delivered
to the trustee an officer&rsquo;s certificate and an opinion of counsel stating that the conditions precedent to the satisfaction
and discharge of the debt securities have been complied with.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Legal Defeasance and Covenant
Defeasance</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Legal Defeasance</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under the terms
of the indentures and unless otherwise provided in a supplemental indenture, we will be deemed to have paid and will be discharged
from any and all obligations in respect of the debt securities after we have made the deposit referred to below and the conditions
precedent and subsequent set forth below are satisfied, and the provisions of the applicable indenture will cease to be applicable
with respect to the debt securities<B> </B>(except for, among other matters, certain rights of the holders to receive payments
of principal, premium and interest when due on such debt securities from the trust fund, and our obligations to register the transfer
of or exchange of the debt securities, prepare temporary debt securities, replace stolen, lost or mutilated debt securities, maintain
paying agents and hold funds for payment in trust, and rights, powers, trusts, duties and immunities with respect to the trustee)
if:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we have irrevocably
deposited or caused to be deposited with the trustee, in trust, money in an amount and/or non-callable or non-redeemable government
securities that will provide funds in amount sufficient, in the opinion of a nationally recognized public accounting firm expressed
in a written certification delivered to the trustee, to pay the principal of, premium, if any, and accrued interest on the debt
securities until maturity or redemption in accordance with the terms of the applicable indenture and any mandatory sinking fund
payments or analogous payments applicable to such debt securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">no default or
event that after notice or lapse of time, or both, would become a default with respect to such debt securities, will have occurred
and be continuing on the date of such deposit, or insofar as events of default due to certain events of bankruptcy, insolvency
or reorganization in respect of us are concerned, during the period ending on the 123<SUP>rd</SUP> day after the date of such
deposit or, if longer, ending on the day following the expiration of the longest preference period applicable to the company with
respect to such deposit;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">such defeasance
or covenant defeasance does not (i) cause the trustee for the debt securities to have a conflicting interest under the terms of
the indenture or the Trust Indenture Act or (ii) result in the trust arising from such deposit to constitute, unless it is qualified,
a regulated investment company under the Investment Company Act of 1940, as amended;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">such defeasance
or covenant defeasance does not result in a breach or violation of, or constitute a default under, the indenture or any other
agreement or instrument to which we are a party or by which we are bound;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">such defeasance
or covenant defeasance does not cause any debt securities of such series then listed on any registered national securities exchange
under the Exchange Act to be delisted;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we have delivered
to the trustee an opinion of counsel stating that (i) we have received from, or there has been published by, the Internal Revenue
Service a ruling or (ii) since the date of the indenture there has been a change in the applicable United States federal income
tax law to the effect that, and based thereon, holders of the debt securities will not recognize income, gain or loss for federal
income tax purposes as a result of such defeasance and will be subject to United States federal income tax on the same amounts
and in the same manner and at the same times as would have been the case if such defeasance had not occurred;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">such defeasance
is effected in compliance with any terms, conditions or limitations which may be imposed on the Company in connection with a supplemental
indenture or board resolutions establishing such series of debt securities; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">we shall have
delivered to the trustee an officer&rsquo;s certificate and an opinion of counsel, each stating that all conditions precedent
and subsequent provided for in the indenture relating to the defeasance have been complied with.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Covenant Defeasance</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under the terms
of the indentures and unless as otherwise provided in a supplemental indenture, we will not need to comply with certain restrictive
covenants, and the provisions of the applicable indenture will cease to be applicable with respect to an event of default under
the debt securities other than an event of default due to our failure to pay the principal of or interest on the debt securities
when due, upon:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the satisfaction
of the conditions described above in &ldquo;&ndash;<I>Legal Defeasance and Covenant Defeasance </I>&ndash;<I> Legal Defeasance,</I>&rdquo;
other than with respect to the sixth bullet point; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">our delivery
to the trustee of an opinion of counsel to the effect that the holders of the debt securities will not recognize income, gain
or loss for United States federal income tax purposes as a result of such covenant defeasance and will be subject to United States
federal income tax on the same amount and in the same manner and at the same times as would have been the case if such covenant
defeasance had not occurred.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If we exercise
our option to omit compliance with certain provisions of the applicable indenture as described in the immediately preceding paragraph
and the debt securities are declared due and payable because of the occurrence of an event of default that remains applicable,
the amount of money and/or non-callable government securities on deposit with the trustee may not be sufficient to pay amounts
due on the debt securities at the time of acceleration resulting from such event of default. In such event, we will remain liable
for such payments.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Limitation on Individual Liability</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">No incorporator
or past, present or future stockholder, officer or director of ours or any successor corporation, as such, will have any liability
for any obligations, covenants or agreements of ours under the debt securities or the indentures or because of any indebtedness
evidenced thereby. Each holder of a debt security, by accepting a debt security waives and releases such liability. The waiver
and release are part of the consideration for the issuance of the debt securities. Such waiver may not be effective to waive liabilities
under the federal securities laws.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The accompanying
prospectus supplement will specify the trustee for the particular series of debt securities to be issued under the indentures.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">At all times,
the trustee must be a corporation organized and doing business under the laws of the United States or any state or territory thereof
or of the District of Columbia, with authority to exercise corporate trust powers, be subject to the supervision or examination
by federal, state, territorial or District of Columbia authority, have at all times a combined capital and surplus of not less
than $50,000,000 and not be the Company or any person directly or indirectly controlled or controlled by or under common control
with the Company.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If the trustee
acquires any conflicting interest, as defined in the Trust Indenture Act, with respect to the debt securities, within 90 days
after the trustee has acquired a conflicting interest, which has not been cured or waived, the trustee would generally be required
by the Trust Indenture Act to eliminate that conflicting interest or resign as trustee with respect to the debt securities issued
under the applicable indenture. If the trustee resigns, we are required to appoint a successor trustee with respect to the affected
securities promptly. The trustee and/or certain of its affiliates may provide banking, investment and other services to us.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any notices required
to be given to the holders of the debt securities will be given by mail to the addresses of the holders in the security register.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The indentures
and the debt securities are governed by, and will be construed in accordance with, the laws of the State of New York. The indentures
will be subject to the provisions of the Trust Indenture Act that are required to be part of the indentures and will, to the extent
applicable, be governed by such provisions.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Book-Entry Delivery and Settlement</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Global Debt Securities </I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We will issue
any debt securities in the form of one or more global debt securities in definitive, fully registered, book-entry form. The global
debt securities will be deposited with or on behalf of DTC, and registered in the name of Cede &amp; Co., as nominee of DTC. Beneficial
interests in the global debt securities will be represented through book-entry accounts of financial institutions acting on behalf
of beneficial owners as direct and indirect participants in DTC. Investors may hold interests in the global debt securities through
DTC.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">DTC has advised
us that:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">DTC is a limited-purpose
trust company organized under the New York Banking Law, a &ldquo;banking organization&rdquo; within the meaning of the New York
Banking Law, a member of the Federal Reserve System, a &ldquo;clearing corporation&rdquo; within the meaning of the New York Uniform
Commercial Code and a &ldquo;clearing agency&rdquo; registered under Section 17A of the Exchange Act.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">DTC holds securities
that its participants deposit with DTC and facilitates the post-trade settlement among participants of sales and other securities
transactions, such as transfers and pledges, in deposited securities through electronic computerized book-entry changes in participants&rsquo;
accounts, thereby eliminating the need for physical movement of security certificates.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">Direct participants
include securities brokers and dealers, banks, trust companies, clearing corporations and other organizations.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">DTC is a wholly
owned subsidiary of The Depository Trust &amp; Clearing Corporation, or DTCC. DTCC is the holding company for DTC, National Securities
Clearing Corporation and Fixed Income Clearing Corporation, all of which are registered clearing agencies. DTCC is owned by the
users of its regulated subsidiaries.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">Access to the
DTC system is also available to others such as both U.S. and non-U.S. securities brokers and dealers, banks, trust companies and
clearing corporations that clear through or maintain a custodial relationship with a direct participant, either directly or indirectly.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">The rules applicable
to DTC and its direct and indirect participants are on file with the SEC.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We have provided
the description of the operations and procedures of DTC in this prospectus solely as a matter of convenience. These operations
and procedures are solely within the control of those organizations and are subject to change by them from time to time. None
of us, any underwriters or any trustee takes any responsibility for these operations or procedures, and you are urged to contact
DTC or their participants directly to discuss these matters.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We expect that
under procedures established by DTC:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">upon deposit
of the global debt securities with DTC or its custodian, DTC will credit on its internal system the accounts of direct participants
designated by any underwriters with portions of the principal amounts of the global debt securities; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">ownership of
the debt securities will be shown on, and the transfer of ownership thereof will be effected only through, records maintained
by DTC or its nominee, with respect to interests of direct participants, and the records of direct and indirect participants,
with respect to interests of persons other than participants.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The laws of some
jurisdictions may require that purchasers of securities take physical delivery of those securities in definitive form. Accordingly,
the ability to transfer interests in the debt securities represented by a global debt security to those persons may be limited.
In addition, because DTC can act only on behalf of its participants, who in turn act on behalf of persons who hold interests through
participants, the ability of a person having an interest in debt securities represented by a global debt security to pledge or
transfer those interests to </FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">persons or entities that do not participate in DTC&rsquo;s system, or otherwise to take actions in
respect of such interest, may be affected by the lack of a physical definitive security in respect of such interest.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">So long as
DTC or its nominee is the registered owner of a global debt security, DTC or that nominee will be considered the sole owner
or holder of the debt securities represented by that global debt security for all purposes under the indenture and under the
debt securities. Except as provided below, owners of beneficial interests in a global debt security will not be entitled to
have debt securities represented by that global debt security registered in their names, will not receive or be entitled to
receive physical delivery of certificated debt securities and will not be considered the owners or holders thereof under the
applicable indenture or under the debt securities for any purpose, including with respect to the giving of any direction,
instruction or approval to the trustee. Accordingly, each holder owning a beneficial interest in a global debt security must
rely on the procedures of DTC and, if that holder is not a direct or indirect participant, on the procedures of the
participant through which that holder owns its interest, to exercise any rights of a holder of debt securities under the
applicable indenture or a global debt security.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither we nor
any trustee will have any responsibility or liability for any aspect of the records relating to or payments made on account of
debt securities by DTC, or for maintaining, supervising or reviewing any records of those organizations relating to the debt securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Payments on the
debt securities represented by the global debt securities will be made to DTC or its nominee, as the case may be, as the registered
owner thereof. We expect that DTC or its nominee, upon receipt of any payment on the debt securities represented by a global debt
security, will credit participants&rsquo; accounts with payments in amounts proportionate to their respective beneficial interests
in the global debt security as shown in the records of DTC or its nominee. We also expect that payments by participants to owners
of beneficial interests in the global debt security held through such participants will be governed by standing instructions and
customary practice as is currently the case with securities held for the accounts of customers registered in the names of nominees
for such customers. The participants will be responsible for those payments.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Settlement Procedures</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Secondary market
trading between DTC participants will occur in the ordinary way in accordance with DTC rules and will be settled in immediately
available funds.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><I>Certificated Debt Securities</I></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Individual certificates
in respect of any debt securities will not be issued in exchange for the global debt securities, except in very limited circumstances.
We will issue or cause to be issued certificated debt securities to each person that DTC identifies as the beneficial owner of
the debt securities represented by a global debt security upon surrender by DTC of the global debt security if:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">DTC notifies
us that it is no longer willing or able to act as a depositary for such global debt security or ceases to be a clearing agency
registered under the Exchange Act, and we have not appointed a successor depositary within 90 days of that notice or becoming
aware that DTC is no longer so registered;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">an event of default
has occurred and is continuing, and DTC requests the issuance of certificated debt securities; or</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">subject to DTC&rsquo;s
procedures, we determine not to have the debt securities of such series represented by a global debt security.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither we nor
any trustee will be liable for any delay by DTC, its nominee or any direct or indirect participant in identifying the beneficial
owners of the debt securities. We and any trustee may conclusively rely on, and will be protected in relying on, instructions
from DTC or its nominee for all purposes, including with respect to the registration and delivery, and the respective principal
amounts, of any certificated debt security to be issued.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a011"></A>DESCRIPTION
OF DEPOSITARY SHARES</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt"><I>We may elect
to offer fractional interests in shares of our preferred stock, in which case we will issue receipts for depositary shares and
each depositary share will represent a fraction of a share of the applicable series of our preferred stock, as set forth in the
applicable prospectus supplement. The following summary of the terms of the depositary shares does not purport to be complete
and is subject to, and is qualified in its entirety by reference to, the terms of the depositary shares and our preferred stock,
as well as the form of the deposit agreement, depositary receipts, our Articles of Incorporation and any amendments thereto relating
to the applicable series of our preferred stock that will be filed with the SEC. Therefore, you should carefully consider the
actual provisions in these documents.</I></FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each owner of
a depositary share will be entitled, in proportion to the applicable fractional interest in shares of our preferred stock underlying
that depositary share, to all rights and preferences of our preferred stock underlying that depositary share. These rights may
include dividend, voting, redemption and liquidation rights.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The shares of
our preferred stock underlying the depositary shares will be deposited with a bank or trust company selected by us to act as depositary,
under a deposit agreement between us, the depositary and the holders of the depositary receipts. The depositary will be the transfer
agent, registrar and dividend disbursing agent for the depositary shares. The name and address of the principal executive office
of the depositary will be included in the prospectus supplement relating to the issue.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The depositary
shares will be evidenced by depositary receipts issued pursuant to the depositary agreement. Holders of depositary receipts agree
to be bound by the deposit agreement, which will require holders to take certain actions, such as filing proof of residence and
paying certain charges.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Dividends and Other Distributions</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The depositary
will distribute cash dividends or other cash distributions, if any, received in respect of the series of our preferred stock underlying
the depositary shares to the record holders of depositary receipts in proportion to the number of depositary shares owned by those
holders on the relevant record date. The relevant record date for depositary shares will be the same date as the record date for
our preferred stock.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In the event
of a distribution other than in cash, the depositary will distribute property received by it to the record holders of depositary
receipts that are entitled to receive the distribution, unless the depositary determines that it is not feasible to make the distribution.
If this occurs, the depositary, with our approval, may adopt another method for the distribution, including selling the property
and distributing the net cash proceeds to the holders.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a series of
our preferred stock underlying the depositary shares has a liquidation preference, in the event of our voluntary or involuntary
liquidation, dissolution or winding-up, holders of depositary shares will be entitled to receive the fraction of the liquidation
preference accorded each share of the applicable series of our preferred stock, as set forth in the applicable prospectus supplement.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If a series of
our preferred stock underlying the depositary shares is subject to redemption, the depositary shares will be redeemed from the
proceeds received by the depositary resulting from the redemption, in whole or in part, of our preferred stock held by the depositary.
Whenever we redeem any of our preferred stock held by the depositary, the depositary will redeem, as of the same redemption date,
the number of depositary shares representing our preferred stock so redeemed. The depositary will mail the notice of redemption
to the record holders of the depositary receipts promptly upon receiving the notice from us, unless otherwise provided in the
applicable prospectus supplement, prior to the date fixed for redemption of our preferred stock.</FONT></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">After the date
fixed for redemption, the depositary shares called for redemption will no longer be outstanding. When the depositary shares are
no longer outstanding, all rights of the holders will terminate, except the right to receive money, securities or other property
payable upon redemption.</FONT></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Upon receipt
of notice of any meeting at which the holders of our preferred stock are entitled to vote, the depositary will mail the information
contained in the notice of meeting to the record holders of the depositary receipts underlying our preferred stock. Each record
holder of those depositary receipts on the record date will be entitled to instruct the depositary as to the exercise of the voting
rights pertaining to the amount of our preferred stock underlying that holder&rsquo;s depositary shares. The record date for the
depositary will be the same date as the record date for our preferred stock. The depositary will try, as far as practicable, to
vote the shares of our preferred stock underlying the depositary shares in accordance with these instructions. We will agree to
take all action that may be deemed necessary by the depositary in order to enable the depositary to vote our preferred stock in
accordance with these instructions. The depositary will not vote our preferred stock to the extent that it does not receive specific
instructions from the holders of depositary receipts.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Withdrawal of Preferred Stock</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Owners of depositary
shares will be entitled to receive, upon surrender of depositary receipts at the principal office of the depositary and payment
of any unpaid amount due to the depositary, the number of whole shares of our preferred stock underlying their depositary shares.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Partial shares
of our preferred stock will not be issued. Holders of our preferred stock will not be entitled to deposit the shares under the
deposit agreement or to receive depositary receipts evidencing depositary shares for our preferred stock.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Amendment and Termination of the
Deposit Agreement</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The form of depositary
receipt evidencing the depositary shares and any provision of the deposit agreement may be amended by agreement between the depositary
and us. However, any amendment that materially and adversely alters the rights of the holders of depositary shares, other than
fee changes, will not be effective unless the amendment has been approved by the holders of at least a majority of the outstanding
depositary shares. The deposit agreement may be terminated by the depositary or us only if:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all outstanding
depositary shares have been redeemed; or</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">there has been
a final distribution of our preferred stock in connection with our dissolution and such distribution has been made to all holders
of depositary shares.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Charges of Depositary</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We will pay all
United States transfer and other taxes and governmental charges arising solely from the existence of the depositary arrangement.
We will also pay charges of the depositary in connection with:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the initial deposit
of our preferred stock;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the initial issuance
of the depositary shares;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any redemption
of our preferred stock; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">all withdrawals
of our preferred stock by owners of depositary shares.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Holders
of depositary receipts will pay transfer, income and other taxes and governmental charges and other specified charges as provided
in the deposit agreement for their accounts. If these charges have not been paid, the depositary may:</FONT></P>

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



<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">refuse to transfer
depositary shares;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">withhold dividends
and distributions; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">sell the depositary
shares evidenced by the depositary receipt.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
depositary will forward to the holders of depositary receipts all reports and communications we deliver to the depositary
that we are required to furnish to the holders of our preferred stock. In addition, the depositary will make available for
inspection by holders of depositary receipts at the principal office of the depositary, and at such other places as it may
from time to time deem advisable, any reports and communications we deliver to the depositary as the holder of our preferred
stock.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Neither we nor
the depositary will be liable if either we or the depositary are prevented or delayed by law or any circumstance beyond the control
of either the depositary or us in performing our respective obligations under the deposit agreement. Our obligations and the depositary&rsquo;s
obligations will be limited to the performance in good faith of our or the depositary&rsquo;s respective duties under the deposit
agreement. Neither we nor the depositary will be obligated to prosecute or defend any legal proceeding in respect of any depositary
shares or our preferred stock unless satisfactory indemnity is furnished. The depositary and we may rely on:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">written advice
of counsel or accountants;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">information provided
by holders of depositary receipts or other persons believed in good faith to be competent to give such information; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">documents believed
to be genuine and to have been signed or presented by the proper party or parties.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Resignation and Removal of Depositary</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The depositary
may resign at any time by delivering a notice to us. We may remove the depositary at any time. Any such resignation or removal
will take effect upon the appointment of a successor depositary and its acceptance of such appointment. The successor depositary
must be appointed within 60 days after delivery of the notice for resignation or removal. The successor depositary must be a bank
and trust company having its principal office in the United States of America and having a combined capital and surplus of at
least $50,000,000.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a012"></A>DESCRIPTION
OF WARRANTS</B></FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may issue
warrants in one or more series to purchase debt securities, common stock, preferred stock or any combination of these securities.
Warrants may be issued independently or together with any underlying securities and may be attached to or separate from the underlying
securities. We will issue each series of warrants under a separate warrant agreement to be entered into between us and a warrant
agent. The warrant agent will act solely as our agent in connection with the warrants of such series and will not assume any obligation
or relationship of agency for or on behalf of holders or beneficial owners of warrants. The following sets forth some of the general
terms and provisions of the warrants. Further terms of the warrants and the applicable warrant agreement will be stated in the
applicable prospectus supplement. The following description and any description of the warrants in a prospectus supplement are
not complete and are subject to and qualified in their entirety by reference to the terms and provisions of the warrant agreement
and related form of warrant certificate representing the warrants, which we will file with the SEC in connection with an issuance
of any warrants.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The applicable
prospectus supplement will describe the terms of any warrants, including the following, as may be applicable:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the title of
the warrants;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the total number
of warrants to be issued;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the consideration
for which we will issue the warrants, including the applicable currency or currencies;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">anti-dilution
provisions to adjust the number or amount of shares of our common stock or other securities to be delivered upon exercise of the
warrants;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the designation
and terms of the underlying securities purchasable upon exercise of the warrants;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the price at
which and the currency or currencies in which investors may purchase the underlying securities purchasable upon exercise of the
warrants;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the dates on
which the right to exercise the warrants will commence and expire;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the procedures
and conditions relating to the exercise of the warrants;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the warrants
will be in registered or bearer form;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">information with
respect to book-entry registration and transfer procedures, if any;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the minimum or
maximum amount of warrants that may be exercised at any one time;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the designation
and terms of the underlying securities with which the warrants are issued and the number of warrants issued with each underlying
security;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the date on and
after which the warrants and securities issued with the warrants will be separately transferable;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a discussion
of material United States federal income tax considerations;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the identity
of the warrant agent; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other terms
of the warrants, including terms, procedures and limitations relating to the exchange, transfer and exercise of the warrants.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"></P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Warrant certificates
may be exchanged for new warrant certificates of different denominations, and warrants may be exercised at the warrant agent&rsquo;s
corporate trust office or any other office indicated in the applicable prospectus supplement. Prior to the exercise of their warrants,
holders of warrants exercisable for shares of our common stock or preferred stock will not have any rights of holders of our common
stock or preferred stock purchasable upon such exercise, including any rights to vote such shares or to receive any distributions
or dividends thereon.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Exercise of Warrants</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">A warrant
will entitle the holder to purchase for cash an amount of securities at an exercise price that will be stated in, or that will
be determinable as described in, the applicable prospectus supplement. Warrants may be exercised at any time prior to the close
of business on the expiration date and in accordance with the procedures set forth in the applicable prospectus supplement. Upon
and after the close of business on the expiration date, unexercised warrants will be void and have no further force, effect or
value.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a013"></A>DESCRIPTION
OF PURCHASE CONTRACTS AND PURCHASE UNITS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may issue
purchase contracts for the purchase or sale of common stock, preferred stock or debt securities issued by us as specified in the
applicable prospectus supplement. Each purchase contract will entitle the holder thereof to purchase or sell, and obligate us
to sell or purchase on specified dates, such securities at a specified purchase price, which may be based on a formula, all as
set forth in the applicable prospectus supplement. We may, however, satisfy our obligations, if any, with respect to any purchase
contract by delivering the cash value of such purchase contract or the cash value of the securities otherwise deliverable, as
set forth in the applicable prospectus supplement. The applicable prospectus supplement will also specify the methods by which
the holders may purchase or sell such securities, and any acceleration, cancellation or termination provisions or other provisions
relating to the settlement of a purchase contract. The price per security and the number of securities may be fixed at the time
the purchase contracts are entered into or may be determined by reference to a specific formula set forth in the applicable purchase
contracts.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The purchase
contracts may be issued separately or as part of units consisting of a purchase contract and debt securities, or any other securities
offered under this prospectus and described in the applicable prospectus supplement or any combination of the foregoing, securing
the holders&rsquo; obligations to purchase the securities under the purchase contracts, which we refer to herein as purchase units.
The purchase contracts may require holders to secure their obligations under the purchase contracts in a specified manner. The
purchase contracts also may require us to make periodic payments to the holders of the purchase contracts or the purchase units,
as the case may be, or vice versa, and those payments may be unsecured or pre-funded on some basis.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The prospectus
supplement relating to any offering of purchase contracts or purchase units will contain the specific terms of the purchase contracts
or purchase units. These terms may include, without limitation, the following:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the purchase
contracts obligate the holder or us to purchase or sell, or both purchase and sell, the securities subject to purchase under the
purchase contract, and the nature and amount of each of those securities, or the method of determining those amounts;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the purchase
contracts are to be prepaid or not;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the purchase
contracts are to be settled by delivery, or by reference or linkage to the value, performance or level of the securities subject
to purchase under the purchase contract;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any acceleration,
cancellation, termination or other provisions relating to the settlement of the purchase contracts or purchase units;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a discussion
of the material United States federal income tax considerations applicable to the purchase contracts or purchase units;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the purchase
contracts or purchase units will be issued in fully registered or global form; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other terms
of the purchase contracts or purchase units and any securities subject to such purchase contracts.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The description
in the applicable prospectus supplement of any purchase contracts and purchase units we offer will not necessarily be complete
and is subject to, and will be qualified in its entirety by reference to, the applicable purchase contract or unit agreement,
which will be filed with the SEC in connection with any offering of such securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a014"></A>DESCRIPTION
OF SUBSCRIPTION RIGHTS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may issue
subscription rights to purchase our common stock, preferred stock or debt securities. These subscription rights may be issued
independently or together with any other security offered hereby and may or may not be transferable by the stockholder receiving
the subscription rights in such offering. In connection with any offering of subscription rights, we may enter into a standby
arrangement with one or more underwriters or other purchasers pursuant to which the underwriters or other purchasers may be required
to purchase any securities that have not been subscribed for after such offering.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The applicable
prospectus supplement will describe the specific terms of any offering of subscription rights for which this prospectus is being
delivered, including the following:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the price, if
any, for the subscription rights;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the exercise
price payable for each share of our common stock or preferred stock or for debt securities upon the exercise of the subscription
rights;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the number of
subscription rights issued to each stockholder;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the number and
terms of each share of our common stock or preferred stock or debt securities that may be purchased per each subscription right;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the extent to
which the subscription rights are transferable;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the conditions
to completion of the offering of subscription rights;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any provisions
for adjustment of the number or amount of securities receivable upon exercise of the subscription rights or the exercise price
of the subscription rights;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any other terms
of the subscription rights, including the terms, procedures and limitations relating to the exchange and exercise of the subscription
rights;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the date on which
the right to exercise the subscription rights will commence, and the date on which the subscription rights will expire;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the extent to
which the subscription rights may include an over-subscription privilege with respect to unsubscribed securities or an over-allotment
privilege to the extent the securities are fully subscribed; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">if applicable,
the material terms of any standby underwriting or purchase arrangement entered into by us in connection with the offering of subscription
rights.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The description
in the applicable prospectus supplement of any subscription rights we offer will not necessarily be complete and is subject to,
and will be qualified in its entirety by reference to, the applicable subscription rights agreement and subscription rights certificate,
which will be filed with the SEC in connection with any offering of subscription rights.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a015"></A>DESCRIPTION
OF UNITS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may issue
units comprised of any combination of two or more of the other securities described in this prospectus and as specified in the
applicable prospectus supplement. Each unit will be issued so that the holder of the unit is also the holder, with rights and
obligations of a holder, of each security included in the unit. The units may be issued under unit agreements to be entered into
between us and a unit agent.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The applicable
prospectus supplement will specify the terms of the units, including:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the designation
and terms of the units and of any of the securities comprising the units, including whether and under what circumstances the securities
comprising the units may be held or transferred separately;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a description
of the terms of any unit agreement governing the units;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a description
of the provisions for the issuance, payment, settlement, transfer or exchange of the units or of the securities comprising the
units;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a discussion
of material United States federal income tax considerations, if applicable; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">whether the units,
if issued as a separate security, will be issued in fully registered or global form.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-align: justify; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The
applicable prospectus supplement will describe the terms of any units. The description in the applicable prospectus supplement
of any units we offer will not necessarily be complete and is subject to, and will be qualified in its entirety by reference to,
the applicable unit agreement, which will be filed with the SEC in connection with any offering of units.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a016"></A>PLAN OF DISTRIBUTION</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may sell the
securities offered under this prospectus from time to time pursuant to underwritten public offerings, negotiated transactions,
block trades or a combination of these methods or through underwriters, dealers or agents or directly to one or more purchasers.
The securities may be distributed from time to time in one or more transactions (or in any combination) at:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">a fixed price
or prices, which may be changed;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">market prices
prevailing at the time of sale;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">prices related
to the prevailing market price; or</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">negotiated prices.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">For each type
and series of securities offered, the applicable prospectus supplement will set forth the terms of the offering, including, without
limitation:</FONT></P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the public offering
price;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the names of
any underwriters, dealers or agents and the amount of securities underwritten or purchased by each of them, if any;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any delayed delivery
arrangements;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the proceeds
from the sale of securities to us and the use of proceeds from the sale of the securities;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any underwriting
discounts, concessions, commissions, agency fees or other compensation payable to underwriters, dealers or agents;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">any discounts
or concessions allowed or re-allowed or repaid to dealers;</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">estimated offering
expenses; and</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 8pt Symbol">&#183;</FONT></TD><TD><FONT STYLE="font: 10pt inherit,serif">the securities
exchanges on which the securities will be listed, if any.</FONT></TD>
</TR></TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may grant
underwriters options to purchase additional securities at the public offering price, with additional underwriting commissions
or discounts, as applicable, set forth in the prospectus supplement. The terms of any such option will be set forth in the prospectus
supplement for those securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Underwriters
or agents may make sales in privately negotiated transactions and/or any other method permitted by law, including sales deemed
to be an &ldquo;at-the-market&rdquo; offering as defined in Rule 415 under the Securities Act, which includes sales made directly
on the Nasdaq Global Select Market, the existing trading market for our common stock, or sales made to or through a market maker
other than on an exchange.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may
issue to our existing security holders, though a dividend or similar distribution, rights to purchase shares of our common stock
or preferred stock, which may or may not be transferable. In any distribution of rights to our existing security holders, if all
of the underlying securities are not subscribed for, we may then sell the unsubscribed securities directly to third parties or
may engage the services of one or more underwriters, dealers or agents, including standby underwriters, to facilitate the distribution
of the unsubscribed securities. The applicable prospectus supplement will describe the specific terms of any offering of our common
stock or preferred stock through the issuance of rights including, if applicable, the material terms of any standby underwriting
agreement or purchase agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Sales Through Underwriters, Dealers
or Agents; Direct Sales</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If we use underwriters
in any sale of securities offered under this prospectus, the underwriters will buy the securities for their own account, including
through underwriting, purchase, security lending or repurchase agreements with us. The underwriters may then resell the securities
in one or more transactions at a fixed public offering price or at varying prices determined at the time of sale or thereafter.
Unless otherwise indicated in the prospectus supplement, the obligations of the underwriters to purchase the securities will be
subject to certain conditions and the underwriters will be obligated to purchase all the securities offered if they purchase any
securities. The public offering price for the securities and any discounts or concessions allowed or re-allowed or paid to dealers
may be changed from time to time.</FONT></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If we use dealers
in any sale of securities offered under this prospectus, the securities will be sold to such dealers as principals. The dealers
may then resell the securities to the public at varying prices to be determined by such dealers at the time of resale.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If agents are
used in any sale of securities offered under this prospectus, they will use their reasonable best efforts to solicit purchases
for the period of their appointment or to sell our securities on a continuing basis. If required, the prospectus supplement relating
to any particular offering of securities will name any agents designated to solicit offers and will include information about
any commissions they may be paid in that offering.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">If securities
offered under this prospectus are sold directly, no underwriters, dealers or agents would be involved.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We are not making
an offer of securities in any state that does not permit such an offer. If we sell securities through dealers or agents, or directly,
the terms of any such sales will be described in the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Delayed Delivery Contracts</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We may authorize
underwriters, dealers or agents to solicit offers from certain institutions whereby the institution contractually agrees to purchase
the securities offered under this prospectus from us on a future date at a specific price. This type of contract may be made only
with institutions that we specifically approve. Such institutions could include banks, insurance companies, pension funds, investment
companies and educational and charitable institutions. The underwriters, dealers or agents will not be responsible for the validity
or performance of these contracts. The prospectus supplement relating to the contracts will set forth the price to be paid for
offered securities pursuant to such contracts, the commission payable for solicitation of the contracts and the date or dates
in the future for delivery of offered securities pursuant to the contracts.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Market Making, Stabilization and
Other Transactions</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Each issue of
a new series of securities, other than issuances of our common stock, will not have an established trading market, except as indicated
in the applicable prospectus supplement. Unless indicated in the applicable prospectus supplement, we do not expect to list the
offered securities on a securities exchange, except for our common stock, which is listed on the Nasdaq Global Select Market.
We can provide no assurance as to whether any of our securities will have a liquid trading market.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">In order to facilitate
the offering of any of the securities offered under this prospectus, the underwriters with respect to any such offering may, as
described in the prospectus supplement and in accordance with applicable law, engage in transactions that stabilize, maintain
or otherwise affect the price of the securities or any other securities the prices of which may be used to determine payments
on these securities. Stabilizing transactions involve bids to purchase the underlying security in the open market for the purpose
of preventing or delaying a decline in the price of the securities. Syndicate covering transactions involve purchases of the securities
in the open market after the distribution has been completed in order to cover syndicate short positions. Penalty bids permit
the underwriters to reclaim a selling concession from a syndicate member when the securities originally sold by the syndicate
member are purchased in a stabilizing or syndicate covering transaction to cover syndicate short positions. Any of these activities
may have the effect of raising or maintaining the market price of our securities or preventing or delaying a decline in the market
price of our securities. As a result, the market price of</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"> the securities may be higher than it otherwise would be in the absence
of these transactions. The underwriters are not required to engage in these activities, and may end any of these activities at
any time, all as described in the applicable prospectus supplement.</FONT></P>

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Any person participating
in the distribution of securities will be subject to applicable provisions of the Exchange Act and the rules and regulations under
the Exchange Act, including Regulation M, which may limit the timing of transactions involving the securities offered under this
prospectus. Furthermore, Regulation M may restrict the ability of any person engaged in the distribution of such securities to
engage in market-making activities with respect to the particular securities being distributed. All of the above may affect the
marketability of the securities offered under this prospectus and the ability of any person or entity to engage in market-making
activities with respect to such securities.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0"><FONT STYLE="font-size: 10pt"><B>Derivative Transactions and Hedging</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We, the
underwriters or other agents engaged by us may engage in derivative transactions involving the securities. These derivatives
may consist of short sale transactions and other hedging activities. The underwriters or agents may acquire a long or short
position in the securities, hold or resell securities acquired and purchase options or futures on the securities and other
derivative instruments with returns linked or related to changes in the price of the securities. In order to facilitate these
derivative transactions, we may enter into security lending or repurchase agreements with the underwriters or agents. The
underwriters or agents may effect the derivative transactions through sales of the securities to the public, including short
sales, or by lending the securities in order to facilitate short sale transactions by others. The underwriters or agents may
also use the securities purchased or borrowed from us or others (or, in the case of derivatives, securities received from us
in settlement of those derivatives) to directly or indirectly settle sales of the securities or close out any related open
borrowings of the securities.</FONT></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">We expect that
any agreements we may have with underwriters, dealers and agents will include provisions indemnifying them against certain civil
liabilities, including certain liabilities under the Securities Act, or providing for contribution with respect to payments that
they may be required to make. An underwriter, dealer or agent, or any of their affiliates, may be a customer of, or otherwise
engage in transactions with or perform services for us in the ordinary course of business.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The specific
terms of any lock-up provisions with respect to any given offering will be described in the applicable prospectus supplement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0in; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Under the
securities laws of various states, the securities offered under this prospectus may be sold in those states only through registered
or licensed brokers or dealers. In addition, in various states the securities offered under this prospectus may not be offered
and sold unless such securities have been registered or qualified for sale in the state or an exemption from such registration
or qualification is available. We are not making an offer of securities in any state that does not permit such an offer.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a017"></A>LEGAL MATTERS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">Unless otherwise
indicated in the applicable prospectus supplement, the validity of the securities will be passed upon for us by Fenimore, Kay,
Harrison &amp; Ford, LLP and Covington &amp; Burling LLP, Washington, D.C. If legal matters are passed upon by counsel for the
underwriters, dealers or agents, if any, such counsel will be named in the prospectus supplement relating to such offering.</FONT></P>

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



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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center"><FONT STYLE="font-size: 10pt"><B><A NAME="i20528a018"></A>EXPERTS</B></FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">The audited annual
consolidated financial statements of the Company appearing in its Annual Report on Form 10-K for the year ended December 31, 2018,
have been audited by BKD, LLP, independent registered public accounting firm, as set forth in its report included therein, which
is incorporated herein by reference. Such consolidated financial statements are incorporated herein by reference in reliance upon
such report given on the authority of such firm as experts in auditing and accounting.</FONT></P>

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

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

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    <!-- Field: /Page -->

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 24pt; text-align: center">&nbsp;</P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt; text-align: center"><B>$80,000,000</B></P>

<P STYLE="font: 14pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 10pt; text-align: center"><B>4.50% Fixed-to-Floating
Rate Subordinated Notes Due 2030</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0pt; text-align: center; color: Red"><IMG SRC="i20528002.jpg" ALT="(LOGO)"></P>

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

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

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

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

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

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

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


<!-- Field: Rule-Page --><DIV ALIGN="CENTER" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid; width: 25%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 60pt; text-align: center; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 10pt"><B><I>Sole
Book-Running Manager</I></B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 10pt; text-align: center"><FONT STYLE="font-size: 12pt"><BR>
<B>Stephens Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 42pt; text-align: center; text-indent: 0.5in"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 42pt; text-align: center; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 30pt; text-align: center; text-indent: 0"><FONT STYLE="font-size: 10pt"><B>October
8, 2020</B></FONT></P>

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

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