<SEC-DOCUMENT>0000908834-24-000246.txt : 20240930
<SEC-HEADER>0000908834-24-000246.hdr.sgml : 20240930
<ACCEPTANCE-DATETIME>20240930163053
ACCESSION NUMBER:		0000908834-24-000246
CONFORMED SUBMISSION TYPE:	S-3/A
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240930
DATE AS OF CHANGE:		20240930

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP INC /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351562417
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-3/A
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-282292
		FILM NUMBER:		241339877

	BUSINESS ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360
		BUSINESS PHONE:		2198790211

	MAIL ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HORIZON BANCORP /IN/
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS MICHIANA FINANCIAL CORP
		DATE OF NAME CHANGE:	19861021
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-3/A
<SEQUENCE>1
<FILENAME>horizon_s8.htm
<DESCRIPTION>AMENDMENT #1
<TEXT>
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    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">As filed with the Securities and Exchange Commission on September 30, 2024</div>
    <div style="text-align: right; font-weight: bold;">Registration No. 333-282292</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">UNITED STATES</div>
    <div style="text-align: center; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
    <div style="text-align: center; font-weight: bold;">Washington, D.C. 20549</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;"> AMENDMENT NO. 1 TO</div>
    <div style="text-align: center; font-weight: bold;">FORM S-3</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">HORIZON BANCORP, INC.</div>
    <div style="text-align: center;">(Exact name of Registrant as specified in its charter)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">Indiana</div>
    <div style="text-align: center;">(State or other jurisdiction of incorporation or organization)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">35-1562417</div>
    <div style="text-align: center;">(I.R.S. Employer Identification Number)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">515 Franklin Street</div>
    <div style="text-align: center; font-weight: bold;">Michigan City, Indiana 46360</div>
    <div style="text-align: center; font-weight: bold;">(219) 874-0211</div>
    <div style="text-align: center;">(Address, including zip code, and telephone number,</div>
    <div style="text-align: center;">including area code, of registrant&#8217;s principal executive offices)</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">Todd A. Etzler</div>
    <div style="text-align: center; font-weight: bold;">Executive Vice President, Chief Legal and Risk Officer &amp; Corporate Secretary<br>
    </div>
    <div style="text-align: center; font-weight: bold;">Horizon Bancorp, Inc.</div>
    <div style="text-align: center; font-weight: bold;">515 Franklin Street</div>
    <div style="text-align: center; font-weight: bold;">Michigan City, Indiana 46360</div>
    <div style="text-align: center; font-weight: bold;">(219) 873-2639</div>
    <div style="text-align: center;">(Name, address, including zip code, and telephone number,</div>
    <div style="text-align: center;">including area code, of agent for service)</div>
    <div><br>
    </div>
    <div style="text-align: center;">Copy to:</div>
    <div><br>
    </div>
    <div style="text-align: center; font-weight: bold;">David P. Hooper, Esq.</div>
    <div style="text-align: center; font-weight: bold;">Barnes &amp; Thornburg LLP</div>
    <div style="text-align: center; font-weight: bold;">11 South Meridian Street</div>
    <div style="text-align: center; font-weight: bold;">Indianapolis, Indiana 46204</div>
    <div style="text-align: center; font-weight: bold;">Telephone: (317) 231-7333</div>
    <div style="text-align: center; font-weight: bold;">Facsimile: (317) 231-7433</div>
    <div style="margin-bottom: 6pt;"><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;"><font style="font-weight: bold;">Approximate date of commencement of proposed sale to the public</font>: From time to time after the effective date of this registration statement.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">If the only securities being registered on this Form are being offered pursuant to dividend or interest reinvestment plans, please check the following box.&#160;&#160;&#160;&#9744;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, other than
      securities offered only in connection with dividend or interest reinvestment plans, check the following box.&#160;&#160; &#9746;</div>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">If this Form is filed to register additional securities for an offering pursuant to Rule 462(b) under the Securities Act, please check the following box and list the Securities
      Act registration statement number of the earlier effective registration statement for the same offering.&#160;&#160;&#160;&#9744;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">If this Form is a post-effective amendment filed pursuant to Rule 462(c) under the Securities Act, check the following box and list the Securities Act registration statement
      number of the earlier effective registration statement for the same offering.&#160;&#160;&#160;&#9744;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">If this Form is a registration statement pursuant to General Instruction I.D. or a post-effective amendment thereto that shall become effective upon filing with the Commission
      pursuant to Rule 462(e) under the Securities Act, check the following box.&#160;&#160;&#160;&#9744;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">If this Form is a post-effective amendment to a registration statement filed pursuant to General Instruction I.D. filed to register additional securities or additional classes of
      securities pursuant to Rule&#160;413(b) under the Securities Act, check the following box.&#160;&#160;&#160;&#9744;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth
      company. See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</div>
    <table cellspacing="0" cellpadding="0" id="za9d0ba8d1c754b349536745d4be7b52a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 7.4%; vertical-align: top;">&#160;</td>
          <td style="width: 51.31%; vertical-align: top;">
            <div style="text-align: justify;">Large accelerated filer&#160;&#160;&#10066;</div>
          </td>
          <td style="width: 41.28%; vertical-align: top;">
            <div style="text-align: justify;">Accelerated filer&#160; &#9746;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.4%; vertical-align: top;">&#160;</td>
          <td style="width: 51.31%; vertical-align: top;">
            <div>Non-accelerated filer&#160;&#160;&#10066;</div>
          </td>
          <td style="width: 41.28%; vertical-align: top;">
            <div style="text-align: justify;">Smaller reporting company&#160;&#160;&#10066;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 7.4%; vertical-align: top;">&#160;</td>
          <td style="width: 51.31%; vertical-align: top;">&#160;</td>
          <td style="width: 41.28%; vertical-align: top;">
            <div style="text-align: justify;">Emerging growth company&#160;&#160;&#10066;</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
      provided pursuant to Section 7(a)(2)(B) of the Securities Act.&#160;&#160;&#160;&#9744;</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt; font-weight: bold;">The Registrant hereby amends this registration statement on such date or dates as may be necessary to delay its effective date until the Registrant files a
      further amendment which specifically states that this registration statement is to become effective in accordance with Section&#160;8(a) of the Securities Act of 1933, as amended, or until the registration statement becomes effective on the date the
      Securities and Exchange Commission, acting under Section&#160;8(a), determines.</div>
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    <div><br>
    </div>
    <font style="font-weight: bold;">PROSPECTUS</font>
    <div style="text-align: center; margin-bottom: 6pt;"><img width="196" height="80" src="image0.jpg"></div>
    <div style="text-align: center; font-weight: bold;">$250,000,000</div>
    <div style="text-align: center; font-weight: bold;">Common Stock</div>
    <div style="text-align: center; font-weight: bold;">Preferred Stock</div>
    <div style="text-align: center; font-weight: bold;">Depositary Shares</div>
    <div style="text-align: center; font-weight: bold;">Debt Securities</div>
    <div style="text-align: center; font-weight: bold;">Warrants</div>
    <div style="text-align: center; font-weight: bold;">Rights</div>
    <div style="text-align: center; font-weight: bold;">Units</div>
    <div style="text-align: center; font-weight: bold;">Purchase Contracts</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">Horizon Bancorp, Inc. (&#8220;Horizon,&#8221; &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; or the &#8220;Company&#8221;) may offer and sell from time to time, together or separately, in one or more offerings, any combination of
      the securities listed above. The securities we may offer may be convertible into or exchangeable for other securities. The maximum aggregate initial public offering price of the securities offered through this prospectus is $250,000,000.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">This prospectus describes the general terms that may apply to the securities offered. The specific terms of our securities to be offered will be described in one or more
      supplements to this prospectus. <font style="font-weight: bold;">This prospectus may not be used to sell securities unless accompanied by a prospectus supplement. </font>The prospectus supplement and any related free writing prospectus also may
      add, update or change information contained in this prospectus. Before you invest in any of our securities, please carefully read this prospectus, the applicable prospectus supplement and any related free writing prospectus, as well as any documents
      incorporated by reference in this prospectus or any prospectus supplement.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">Our common stock is quoted on the NASDAQ Global Select Market under the symbol &#8220;HBNC.&#8221; Each prospectus supplement will indicate whether the securities offered thereby will be
      listed on any securities exchange.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">We may offer and sell the securities on a continuous or delayed basis, through agents, dealers or underwriters, or directly to purchasers. The prospectus supplement for each
      offering of securities will describe in detail the plan of distribution for that offering. If agents or any dealers or underwriters are involved in the sale of the securities, the applicable prospectus supplement will set forth the names of the
      agents, dealers or underwriters and any applicable commissions or discounts. Net proceeds from the sale of securities will be set forth in the applicable prospectus supplement. For general information about the distribution of securities offered,
      please see &#8220;Plan of Distribution&#8221; in this prospectus.</div>
    <div style="text-align: justify; text-indent: 36pt; font-weight: bold;">Investing in our securities involves risks. Before making any decision to invest in our securities, you should carefully consider the risk factors beginning on page 3 as well as
      those contained or incorporated by reference into this prospectus and in the applicable prospectus supplement or free writing prospectus.</div>
    <div style="text-align: center; font-size: 12pt;">___________________</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt; font-weight: bold;">Neither the Securities and Exchange Commission nor any state securities commission or regulatory body has approved or disapproved of these securities or
      determined if this prospectus is truthful or complete. Any representation to the contrary is a criminal offense.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt; font-weight: bold;">The securities are not savings accounts, deposits or obligations of any bank and are not insured by the Federal Deposit Insurance Company or any other
      governmental agency.</div>
    <div style="text-align: center;">The date of this Prospectus is ____, 2024</div>
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    <div style="text-align: center; margin-bottom: 12pt; font-size: 12pt; font-weight: bold;">TABLE OF CONTENTS</div>
    <table cellspacing="0" cellpadding="0" id="z94df16774e744314b78bae88bcf8cb10" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">ABOUT THIS PROSPECTUS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">1</div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">HORIZON BANCORP, INC.</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">5<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">RISK FACTORS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">6<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">USE OF PROCEEDS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">6<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">SECURITIES WE MAY OFFER</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">7<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">DESCRIPTION OF COMMON STOCK</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">8<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">DESCRIPTION OF PREFERRED STOCK</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">10<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">DESCRIPTION OF DEPOSITARY SHARES</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">13</div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">DESCRIPTION OF DEBT SECURITIES</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">DESCRIPTION OF WARRANTS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">29<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">DESCRIPTION OF RIGHTS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">30<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">DESCRIPTION OF UNITS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">32<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">DESCRIPTION OF PURCHASE CONTRACTS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">33<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">PLAN OF DISTRIBUTION</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">34<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">LEGAL MATTERS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">36<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">EXPERTS</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">36<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top;">
            <div style="font-weight: bold;">WHERE YOU CAN FIND ADDITIONAL INFORMATION</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom;">
            <div style="text-align: right; font-weight: bold;">36<br>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 91.89%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</div>
          </td>
          <td style="width: 8.11%; vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">36<br>
            </div>
          </td>
        </tr>

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      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">i</font></div>
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    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">ABOUT THIS PROSPECTUS</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">This prospectus is part of a registration statement on Form S-3 that we filed with the Securities and Exchange Commission (the &#8220;SEC&#8221;) using a &#8220;shelf&#8221; registration process. Under
      this shelf registration process, we may sell any combination of the securities described in this prospectus as being offered, from time to time in one or more offerings, up to a total dollar amount of $250,000,000.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">This prospectus provides you with a general description of the securities we may offer. Each time we sell securities, we will provide a prospectus supplement that will contain
      specific information about all of the terms of that offering. We may also authorize one or more free writing prospectuses to be provided to you that may contain material information relating to that offering. The applicable prospectus supplement (and
      any related free writing prospectus that we may authorize to be provided to you) may also add, update or change information contained in this prospectus or in the documents that we have incorporated by reference. This prospectus does not contain all
      of the information set forth in the registration statement and the exhibits to the registration statement. You should read this prospectus and the applicable prospectus supplement and any related free writing prospectus together with additional
      information from the sources described in &#8220;Where You Can Find More Information&#8221; and &#8220;Incorporation of Certain Documents by Reference&#8221; in this prospectus. You should not assume that the information in this prospectus, the prospectus supplements, any
      free writing prospectus or any document incorporated by reference is accurate as of any date other than the date of the applicable document.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">You should rely only on the information provided or incorporated by reference in this prospectus, any free writing prospectus and any prospectus supplement, if applicable. We
      have not authorized anyone to provide you with different information.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">References to &#8220;we,&#8221; &#8220;us,&#8221; &#8220;our,&#8221; &#8220;Horizon&#8221; or the &#8220;Company&#8221; refer to Horizon Bancorp, Inc. and its subsidiaries, unless the context otherwise requires. The term &#8220;you&#8221; refers to a
      prospective investor.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Certain of the statements made in this prospectus, including information incorporated in this prospectus by reference to other documents, are &#8220;forward-looking statements&#8221; within
      the meaning and protections of Section&#160;27A of the Securities Act of 1933, as amended (referred to as the &#8220;Securities Act&#8221;), and Section&#160;21E of the Securities Exchange Act of 1934, as amended (referred to as the &#8220;Exchange Act&#8221;). All statements other
      than statements of historical fact, including statements regarding our financial position, business strategy and the plans and objectives of our management for future operations, are forward-looking statements. You can identify these forward-looking
      statements through our use of words such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;anticipate,&#8221; &#8220;assume,&#8221; &#8220;should,&#8221; &#8220;indicate,&#8221; &#8220;would,&#8221; &#8220;believe,&#8221; &#8220;contemplate,&#8221; &#8220;expect,&#8221; &#8220;estimate,&#8221; &#8220;continue,&#8221; &#8220;plan,&#8221; &#8220;point to,&#8221; &#8220;project,&#8221; &#8220;could,&#8221; &#8220;intend,&#8221; &#8220;target,&#8221; and other
      similar words and expressions relating to the future.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Actual results may differ materially, and adversely or positively, from the expectations of the Company that are expressed or implied by any forward-looking statement. Risks,
      uncertainties, and factors that could cause the Company&#8217;s actual results to vary materially from those expressed or implied by any forward-looking statement include but are not limited to:</div>
    <div>
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            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">current financial conditions within the banking industry, including the effects of failures of other financial institutions, liquidity levels, and responses by the Federal Reserve,
                Department of the Treasury, and the Federal Deposit Insurance Corporation to address these issues;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">changes in accounting standards or policies as may be adopted and required by regulatory agencies;</div>
            </td>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">increased and/or continued incidents of social, civil, and political unrest;</div>
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          </tr>

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    <div>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">changes in the level and volatility of interest rates, spreads on earning assets and interest-bearing liabilities, and interest rate sensitivity;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3f88bbd6e3ca4125ba5df91a8bdbea38" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the effect of interest rates on net interest rate margin and their impact on mortgage loan volumes and the outflow of deposits;</div>
            </td>
          </tr>

      </table>
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          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">loss of key Horizon personnel;</div>
            </td>
          </tr>

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      <table cellspacing="0" cellpadding="0" id="z2d90a7ca05dc4893866d00b3455bf740" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">increases in disintermediation, as new technologies allow consumers to complete financial transactions without the assistance of banks;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the increasing use of Bitcoin and other crypto currencies and/or stable coin and the possible impact these alternative currencies may have on deposit disintermediation and income derived
                from payment systems;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">loss of fee income, including interchange fees, as new and emerging alternative payment platforms (e.g. Apple Pay or Bitcoin) take a greater market share of the payment systems;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">estimates of fair value of certain of Horizon&#8217;s assets and liabilities;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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              <div style="text-align: justify; margin-bottom: 12pt;">volatility and disruption in financial markets;</div>
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          </tr>

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    <div>
      <table cellspacing="0" cellpadding="0" id="zd81770ecf2d443b8844da7449e42e0ff" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">prepayment speeds, loan originations, credit losses and market values of collateral securing loans and other assets;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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              <div style="text-align: justify; margin-bottom: 12pt;">sources of liquidity;</div>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">potential risk of environmental liability related to lending and acquisition activities;</div>
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          </tr>

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    <div>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">changes in the competitive environment in Horizon&#8217;s market areas and among other financial service providers;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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              <div style="text-align: justify; margin-bottom: 12pt;">legislation and/or regulation affecting the financial services industry as a whole, and Horizon and its subsidiaries in particular, including the effects resulting from the reforms
                enacted by the Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#8220;Dodd-Frank Act&#8221;) and the adoption of regulations by regulatory bodies under the Dodd-Frank Act;</div>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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              <div style="text-align: justify; margin-bottom: 12pt;">changes in regulatory supervision and oversight, including monetary policy and capital requirements;</div>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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              <div style="text-align: justify; margin-bottom: 12pt;">changes in accounting policies or procedures as may be adopted and required by regulatory agencies;</div>
            </td>
          </tr>

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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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              <div style="text-align: justify; margin-bottom: 12pt;">rapid technological developments and changes;</div>
            </td>
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    </div>
    <div>
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              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
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            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">litigation, regulatory enforcement, and legal compliance risks and costs associated with our business lines in which we operate as a fiduciary, including where we act as ESOP trustee and
                in other similar capacities;</div>
            </td>
          </tr>

      </table>
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    <div>
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          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the effects and costs of governmental investigations or related actions by third parties;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2bc124e5b9754753a3c6b1f85660e8d9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the risks presented by cyber terrorism and data security breaches;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd5163917d45e4c8daaaf91990ab852f5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the rising costs of effective cybersecurity;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb8205c4e08eb4fedb764d00af158a8d5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">containing costs and expenses;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7598cb994b5d4034b8fb7e332b89b60d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the ability of the U.S. federal government to manage federal debt limits;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z850d1252baa34173b06b46184094b2ec" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the risks of expansion through mergers and acquisitions, including unexpected credit quality problems with acquired loans, difficulty integrating acquired operations and material
                differences in the actual financial results of such transactions compared with Horizon&#8217;s initial expectations, including the full realization of anticipated cost savings;</div>
            </td>
          </tr>

      </table>
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    <div>
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          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">capital management activities, including possible future sales of new securities, or possible repurchases or redemptions by the Company of outstanding debt or equity securities;</div>
            </td>
          </tr>

      </table>
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    <div>
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          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">factors that may cause the Company to incur impairment charges on its investment securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9caac74c9fe84a4382c05dd3da14900d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">claims and litigation liabilities, including related costs, expenses, settlements and judgments, or the outcome of matters before regulatory agencies, whether pending or commencing in the
                future;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze31b24c475644d7f9ff286364b1d4182" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">actions of the Board of Governors of the Federal Reserve System;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z974f7bea3e3145f1b0b577fd211369b8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">potential increases of federal deposit insurance premium expense, and possible future special assessments of the Federal Deposit Insurance Company, either industry wide or specific to the
                Company&#8217;s banking subsidiary;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2de2bb780b1f46fd8816747a423b6ef5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the potential for changes in tax laws, particularly corporate income tax reform, that may affect current returns, Horizon&#8217;s deferred tax assets and liabilities, the ability to utilize
                federal and state net operating loss carryforwards, and the market&#8217;s perception on overall value;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfd7134ab45d54f0b8e2e052d09ab7cb6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">actions of the regulatory authorities under the Consumer Protection Act, the Consumer Financial Protection Board and the Federal Deposit Insurance Act and other possible legislative and
                regulatory actions and reforms;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6489d2b43a344beda47574655a8fa9cd" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the continued availability of earnings and excess capital sufficient for the lawful and prudent declaration and payment of cash dividends; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcf20b3cc87eb4b36bdb27ddfec26a8bc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">other factors and risks described under &#8220;Risk Factors&#8221; in our most recent Annual Report on Form 10-K, as updated by any of our subsequent reports that we have made or make with the SEC
                under the Exchange Act.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">Because such forward-looking statements are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such statements. The
      foregoing list of important factors</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">3</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 6pt;">is not exclusive and you are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this document or, in the case of documents incorporated by
      reference, the dates of those documents. We do not undertake to update any forward-looking statements, whether written or oral, that may be made from time to time by or on behalf of us. For a detailed discussion of the risks and uncertainties that
      may cause our actual results or performance to differ materially from the results or performance expressed or implied by forward-looking statements, see &#8220;Risk Factors&#8221; in our most recent Annual Report on Form 10-K, as updated by our subsequent
      filings and in all other information appearing in this prospectus or incorporated by reference into this prospectus and any applicable prospectus supplement.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">4</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 6pt;"><br>
    </div>
    <div><br>
    </div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">HORIZON BANCORP, INC.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">General</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Horizon is a financial holding company incorporated under the laws of the State of Indiana and headquartered in Michigan City, Indiana. Horizon provides a broad range of banking
      services in northern and central Indiana and southern and central Michigan through its wholly-owned bank subsidiary, Horizon Bank. Horizon Bank was chartered as a national banking association in 1873, until its conversion to an Indiana commercial
      bank effective June 23, 2017, and has operated continuously since 1873. Horizon Bank is a full-service commercial bank offering commercial and retail banking services, corporate and individual trust and wealth management services, and other services
      incident to banking.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We maintain 71 full service offices. The main office and full service branch of Horizon and Horizon Bank is located at 515 Franklin Street, Michigan City, Indiana 46360, and our
      telephone number at that address is (219) 879-0211. In addition to these principal facilities, we have 70 sales offices and one loan production office located in various cities and towns in northern and central Indiana and southern and central
      Michigan.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">At June 30, 2024, Horizon Bank had total assets of $7.9 billion and total deposits of $5.6 billion. Our business is not seasonal to any material degree, and no material part of
      our business is dependent upon a single or small group of customers, the loss of any one or more of which would have a materially adverse effect on our business.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Our common stock is traded on the NASDAQ Global Select Market under the symbol &#8220;HBNC.&#8221;</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Competition</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We face a high degree of competition in all of our primary markets. We compete with other commercial banks, savings and loan associations, consumer finance companies, credit
      unions and other non-bank and digital financial service providers. In addition, financial technology, or FinTech, start-ups are emerging in key banking areas. To a more moderate extent, we compete with Chicago money center banks, mortgage banking
      companies, insurance companies, brokerage houses, other institutions engaged in money market financial services and certain government agencies. Many non-financial institution competitors face fewer regulatory restrictions and have greater capital
      than we do.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Regulation and Supervision</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">As a bank holding company and a financial holding company, Horizon is subject to extensive regulation, supervision and examination by the Board of Governors of the Federal
      Reserve System (the &#8220;Federal Reserve Board&#8221; or &#8220;Federal Reserve&#8221;) as its primary federal regulator under the Bank Holding Company Act of 1956, as amended (&#8220;BHC Act&#8221;). Horizon is required to file annual reports with the Federal Reserve and provide
      other information that the Federal Reserve may require. The Federal Reserve may also make examinations and inspections of Horizon.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Horizon Bank, as an Indiana-chartered bank, is subject to extensive regulation, supervision and examination by the Indiana Department of Financial Institutions (&#8220;DFI&#8221;) as its
      primary state regulator. Also, as to certain matters, Horizon Bank is under the supervision of, and subject to examination by, the Federal Deposit Insurance Corporation (&#8220;FDIC&#8221;) because the FDIC provides deposit insurance to the bank and is the
      bank&#8217;s primary federal regulator.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">5</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The supervision, regulation and examination of Horizon and Horizon Bank by the bank regulatory agencies are intended primarily for the protection of depositors rather than for
      the benefit of Horizon&#8217;s shareholders.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">As a publicly traded company and an SEC registrant, Horizon is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, the Securities Exchange
      Act of 1934, and the rules promulgated thereunder, as administered by the SEC. Horizon&#8217;s common stock is listed on the NASDAQ Global Select Market, and therefore, Horizon is also subject to the NASDAQ rules applicable to listed companies.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">In addition to the matters discussed above, Horizon Bank is subject to additional regulation of its activities, including a variety of consumer protection regulations affecting
      its lending, deposit and debt collection activities and regulations affecting secondary mortgage market activities. Both federal and state law extensively regulate various aspects of the banking business, such as reserve requirements,
      truth-in-lending and truth-in-savings disclosures, equal credit opportunity, fair credit reporting, trading in securities and other aspects of banking operations.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">Other Available Information</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Additional information about us can be found at our website www.horizonbank.com and in our SEC filings. See, &#8220;Where You Can Find Additional Information&#8221; and &#8220;Incorporation of
      Certain Documents by Reference&#8221; in this prospectus. The information on our website is not incorporated into this prospectus or any accompanying prospectus supplement, and you should not consider it a part of this prospectus or any accompany
      prospectus supplement.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">RISK FACTORS</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Investing in our securities involves risk. You should carefully consider the specific risks set forth below and in &#8220;Risk Factors&#8221; in the applicable prospectus supplement and any
      related free writing prospectus and under the captions &#8220;Risk Factors&#8221; in any of our filings with the SEC, including the item captioned &#8220;Risk Factors&#8221; in our most recent Annual Report on Form 10-K, as updated by our subsequent filings and in all other
      information appearing in this prospectus or incorporated by reference into this prospectus and any applicable prospectus supplement. For additional information, please see the sources described in &#8220;Where You Can Find More Information.&#8221;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">These risks are not the only risks we face. Additional risks not presently known to us, or that we currently view as immaterial, may also impair our business, if any of the risks
      described in our SEC filings or any prospectus supplement or any additional risks actually occur, our business, financial condition, results of operations and cash flows could be materially and adversely affected. In that case, the value of our
      securities could decline substantially and you could lose all or part of your investment.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">USE OF PROCEEDS</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We will retain broad discretion over the use of the net proceeds from the sale of the securities offered by this prospectus. Unless otherwise specified in the applicable
      prospectus supplement or any related free writing prospectus, we currently expect to use the net proceeds of our sale of securities for general corporate purposes.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">General corporate purposes may include, among other purposes, making contributions to the capital of the Bank to support its lending, investing and other financial services
      activities; repayments of our debt; repurchases of our common stock;&#160;supporting or funding acquisitions of other institutions or branches if opportunities for such transactions become available; and other permitted activities. We may temporarily</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">6</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">invest funds that we do not immediately need for these purposes in investment securities or use them to make payments on our borrowings.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">SECURITIES WE MAY OFFER</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The securities that may be offered from time to time through this prospectus are:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0475b58e183a445b9709aed92284f972" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">common stock;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd152f8e305c24f959086ff68196547ba" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">preferred stock, which we may issue in one or more series;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za7591cdfd2204c25b1a7f47a304059fb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">depositary shares representing fractional shares of preferred stock;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbdb5173dc0e949abba757907509827cd" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">debt securities, which we may issue in one or more series;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcb6b5652e5594c08850ae0dabc65433e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">warrants entitling the holders to purchase common stock or debt securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7feb3e51ad314dd5901c1de1ccf522a7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">rights to purchase common stock or other securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd2cd94a224f749ed8cb9cc8a5c750d7f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">units; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf6a05915fc684dd9b155dcc6fd631553" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">purchase contracts for the purchase or sale of our common stock, preferred stock, debt securities or depositary shares.&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We will describe the terms of particular securities that we may offer in the future in the prospectus supplement we will deliver with this prospectus. <font style="font-weight: bold;">This prospectus may not be used to offer or sell any securities unless accompanied by a prospectus supplement</font>. In each prospectus supplement we will include, if relevant and material, the following information:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4ea743d4369c49cfa1da26e24fa69e17" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">type and amount of securities which we propose to sell;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z893a94a217794591a648260d2515316f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">initial public offering price of the securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb614c7894f04484d8e84eea305a4be1c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">maturity;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z24bb8121c0a54df49d28aef862085ba6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">original issue discount, if any;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z509f8346d5454e17bf7d2770ecbadc2a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">rates and times of payment of interest, dividends or other payments, if any;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za024956069984732a4d13a3c9ff969ed" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">redemption, conversion, exercise, exchange, settlement or sinking fund terms, if any;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za47365e3a669494e92cc973d3b21a074" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">ranking;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3b0b76b8c71e4050bbf7bd31be042962" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">voting or other rights, if any;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6c5d421c9f154459933455f578677bd3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">conversion, exchange or settlement prices or rates, if any, and, if applicable, any provisions for changes to or adjustments in the conversion, exchange or settlement prices or rates and
                in the securities or other property receivable upon conversion, exchange or settlement;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z762ed4f1d79e4b8e9e6e8d7730ecb715" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">names of the underwriters, agents or dealers, if any, through or to which we or any selling securityholder will sell the securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">7</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze0ce02b61efa4b8f965edaefe34e8873" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">compensation, if any, of those underwriters, agents or dealers;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze717fead7731413ab6cccccd6ff6b490" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">details regarding over-allotment options, if any;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z75d45141ac6545518c2d20810f883a57" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">net proceeds to us;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2d68240cbd7a4fa085f512bb692b4a84" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">information about any securities exchange or automated quotation system on which the securities will be listed or traded;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze5e15a20b5c74c48828c2ab80538ffb3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">material United States federal income tax considerations applicable to the securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0acb87067852473aaeef41ee066aaeae" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any material risk factors associated with the securities; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd5cf9d3a441045d58509191b0dfe9630" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any other material information about the offer and sale of the securities.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">In addition, the applicable prospectus supplement and any related free writing prospectus may add, update or change the information contained in this prospectus or in the
      documents we have incorporated by reference.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF COMMON STOCK</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">General</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We are authorized by our Amended and Restated Articles of Incorporation, referred to in this prospectus as our Articles of Incorporation, to issue 100,000,000 shares, consisting
      of 99,000,000 shares of common stock, without par value per share, and 1,000,000 shares of preferred stock. As of September 23, 2024, 43,712,059 shares of common stock were outstanding and no shares of preferred stock were outstanding.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Our common stock is listed on the NASDAQ Global Select Market. Outstanding shares of our common stock are validly issued, fully paid and non-assessable.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Voting Rights</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Holders of our common stock are entitled to one vote for each share that they hold and are vested with all of the voting power, except as may be limited by the Indiana Business
      Corporation Law or as our board of directors has provided, or may provide in the future, with respect to preferred stock or any other class or series of preferred stock that the board of directors may authorize in the future. Shares of our common
      stock have no cumulative voting rights.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Dividends and Repurchases</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Holders of our common stock are entitled to receive such dividends as our board of directors may, in its discretion, legally declare, subject to all statutory restrictions,
      including banking law restrictions, discussed elsewhere in this prospectus.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Horizon has no issued and outstanding shares of preferred stock that take preference in dividend distributions over shares of common stock.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">8</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Rights upon Liquidation or Dissolution</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Subject to the preferential rights of any other shares or series of capital stock, if any, if we dissolve, liquidate or wind up our affairs, either voluntarily or involuntarily,
      holders of our common stock will be entitled to share ratably in our assets legally available for distribution to those holders after the satisfaction of, or provision for, all of our debts and liabilities.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">No Preemptive, Conversion or Redemption Rights</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Holders of shares of our common stock do not have preemptive rights to subscribe for any new or additional securities, including shares of common stock, that we may offer or sell
      or issue in the future. Holders of shares of common stock have no conversion, exchange or sinking fund rights. Shares of our common stock are not redeemable at our option or at the option of the holders of shares of common stock.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Shareholder Liability</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">All of our outstanding shares of common stock are fully paid and nonassessable. Under the Indiana Business Corporation Law, shareholders generally are not personally liable for a
      corporation&#8217;s acts or debts.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Anti-Takeover Provisions</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Our Articles of Incorporation and our Amended and Restated Bylaws include provisions that may have the effect of deterring or discouraging an attempt to take control of Horizon.
      Among other things, these provisions:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za3936904bbf84949b5405671c5a47220" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">empower our board of directors, without shareholder approval, to issue new preferred shares with terms, including voting power, set by our board;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z366576480cdc4345a6bd1f8d0b4fb9c1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">divide our board of directors into three classes serving staggered three-year terms;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd6504c7cb18449d7a192e6bc5039a248" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">restrict the ability of shareholders to remove directors;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z37fa7eb6b62d42daaf5646fc762b051d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">require, in certain circumstances, that certain types of transactions with a related person (generally, a greater-than-ten-percent beneficial owner of our common stock), be approved by
                the vote of the holders of at least 70 percent of the outstanding voting shares and a majority of the outstanding shares that are not beneficially owned by the related person (the 70 percent requirement is reduced to two thirds if certain
                fair price provisions and other conditions are met), unless the transactions are approved by at least a two-thirds vote of our continuing directors;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7147ce06abb847f0a890eb96480cb518" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">require, in certain circumstances, that any proposal to repeal or amend certain takeover-related provisions of our Articles of Incorporation be approved by the vote of our shareholders
                who hold at least 70 percent of the outstanding voting shares;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1cf11bbe34fd4a38b1550425e58de92b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">provide that the board of directors, in determining whether a business combination or tender or exchange offer is in the best interests of Horizon and our shareholders, may consider
                non-financial and other factors, including the social and economic effects of the transaction on employees, depositors and other customers and the communities in which we operate;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4d2ea2e7648240d88d8ebfa6239a027e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">do not provide for cumulative voting in the election of directors;</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">9</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z143947163c9e4925ac4728cdf7ed5ef1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">entitle our board of directors to redeem shares acquired by a significant shareholder in a &#8220;control share acquisition&#8221; as defined by Chapter 42 of the Indiana Business Corporation Law,
                under certain circumstances; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z76ed152f213f4a90a0b1e6da999b9a7b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">require advance notice of nominations for the election of directors at meetings of shareholders.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The Indiana Business Corporation Law also contains certain provisions applicable or potentially applicable to us that may have the effect of deterring or discouraging an attempt
      to take control of Horizon. These provisions, among other things:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z01a4da7967104f00965c405da89968ac" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">authorize an Indiana corporation to adopt a provision known as a &#8220;shareholder rights plan&#8221; pursuant to which potentially valuable rights to purchase corporate securities may be
                distributed following certain unsolicited stock accumulations or takeover attempts only to those shareholders of the corporation who are not affiliated with the acquiring shareholder or bidder;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z923e0d03acdf406c8a0e2bb8ffe242b8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">prohibit for five years, subject to certain exceptions, a &#8220;business combination&#8221; (which includes a merger or consolidation of the corporation or a sale, lease or exchange of assets) with
                a person or group beneficially owning 10% or more of a public corporation&#8217;s voting power (Horizon is not currently subject to these provisions (contained in Chapter 43 of the Indiana Business Corporation Law) but could elect to be subject
                to these provisions in the future); and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z366d58333a834ddba1f84a3eda47fe4d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">prevent a person or group acquiring different levels of voting power (20%, 33% and 50%) from voting a number of shares that is in excess of the applicable percentage threshold, unless
                &#8220;disinterested shareholders&#8221; have approved such voting rights.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom: 6pt; font-weight: bold;">Transfer Agent and Registrar</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The transfer agent and registrar for our common stock is Computershare Shareholder Services, P.O. Box 30170, College Station, Texas 77842-3170.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF PREFERRED STOCK</div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the preferred stock will be contained in the prospectus supplement and in the applicable certificate of designations that amends our
      Articles of Incorporation creating one or more series of preferred stock that may be adopted by our board of directors in the future. You should read the applicable certificate of designations and the prospectus supplement, which will contain
      additional information and which may update or modify some of the information below.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">General</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Our board of directors is authorized to issue up to one million shares of preferred stock, in one or more series, without shareholder approval. Our board of directors has the
      discretion to determine the designations, rights, preferences, privileges, qualifications and restrictions, including voting rights, dividend rights, conversion rights, redemption privileges, liquidation preferences and sinking fund terms, of each
      series of preferred stock, any or all of which may be greater than the rights of the common stock.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Preferred Stock We May Offer</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The terms of any series of preferred stock designated by our board of directors will be set forth in a certificate of designations that will amend our Articles of Incorporation,
      and we will include each certificate of designations as an exhibit to the registration statement that includes this prospectus, or as an exhibit to a filing with the SEC that is incorporated by reference into this prospectus. The description of</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">10</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">preferred stock in any prospectus supplement will not necessarily describe all of the terms of the preferred stock in detail. You should read the applicable amendment to our Articles of
      Incorporation for a complete description of all of the terms. As of the date of this prospectus, none of the authorized preferred stock has been designated by our board of directors for issuance as part of any particular series of preferred stock,
      and all of such preferred stock is therefore available for future issuance in the discretion of our board of directors as part of one or more series of preferred stock with terms yet to be determined.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Terms</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">You should refer to the prospectus supplement relating to the offering of any series of preferred stock for specific terms of the shares, including the following terms:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6ce17b6825cd4141a8e89a48225e534d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">title and stated or liquidation value;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4e9bf11995794bf49afd420e553d6ff6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">number of shares offered and initial offering price;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zda94035155534225aba453bd02f2b9b1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">voting rights and other protective provisions;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zaf1cfa5f528c4fb28399e52929bb6e04" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any dividend rate(s), payment period(s) and/or payment date(s) or method(s) of calculation of any of those terms that apply to those shares;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7201431f8479491397d8f200bbf9eb1f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">date from which dividends will accumulate, if applicable;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3c04472f2cf44cd1af2a02f1542a5726" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">terms and amount of a sinking fund, if any, for purchase or redemption;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcd6baccff9124497bf72e11829a289ab" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">redemption rights, including conditions and the redemption price(s), if applicable;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z782f4b0d7cb444c7b13c6ed972b93a30" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">listing on any securities exchange;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcb00b2c0dd0c4f38927d374f31161d5a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">terms and conditions, upon which shares will be convertible into common stock or any other securities, including the conversion price, rate or other manner of calculation, conversion
                period and anti-dilution provisions, if applicable;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9ce899363be7492c9e8514b5819c59cc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">terms and conditions upon which shares will be exchangeable into debt securities or any other securities, including the exchange price, rate or other manner of calculation, exchange
                period and any anti-dilution provisions, if applicable;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb50f72b0c4e74aa79ea6247d8a1d8695" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the relative ranking and preference as to dividend rights and rights upon liquidation, dissolution or the winding up of our affairs, including liquidation preference amount;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za06a7075d38a4f159d16a3d05799d33c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any limitation on issuance of any series of preferred stock ranking senior to or on a parity with that series of preferred stock as to dividend rights and rights upon liquidation,
                dissolution or the winding up of our affairs;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z90f56836fdb94097b271a95089aa91d9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any other specific terms, preferences, rights, privileges, limitations or restrictions; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze385a210f5d845b1a180ff170de7f4d3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">a discussion of applicable material U.S. federal income tax consequences.</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">11</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Ranking</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Unless we provide otherwise in a prospectus supplement, the preferred stock offered through that supplement will, with respect to dividend rights and rights upon our liquidation,
      dissolution or winding up, rank:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z807c559b5bbd417f88e575b45f64d034" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">senior to all classes or series of our common stock, and to all other equity securities ranking junior to the offered preferred stock;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z36c15368e4ea4e23b0d2fe251ff65e01" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">on a parity with all of our equity securities ranking on a parity with the offered preferred stock; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd9fc29781e1148ff90616464004d6e14" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">junior to all of our equity securities ranking senior to the offered preferred stock.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The term &#8220;equity securities&#8221; does not include convertible debt securities.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Voting Rights</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Unless otherwise indicated in the applicable prospectus supplement, holders of our preferred stock will not have any voting rights, except as may be required by applicable law.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Dividends</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Subject to any preferential rights of any outstanding shares or series of shares, our preferred shareholders are entitled to receive dividends, when and as authorized by our
      board of directors, out of legally available funds, as specified in the applicable prospectus supplement.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Redemption</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If we provide for a redemption right in a prospectus supplement, the preferred stock offered through that supplement will be subject to mandatory redemption or redemption at our
      option, in whole or in part, in each case upon the terms, at the times and at the redemption prices set forth in that prospectus supplement.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Liquidation Preference</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">In the event of our voluntary or involuntary dissolution, liquidation, or winding up, the holders of any series of our preferred stock will be entitled to receive, after
      distributions to holders of any series or class of our capital shares ranking senior, an amount equal to the stated or liquidation value of the series plus, if applicable, an amount equal to accrued and unpaid dividends. If the assets and funds to be
      distributed among the holders of our preferred stock will be insufficient to permit full payment to the holders, then the holders of our preferred stock will share ratably in any distribution of our assets in proportion to the amounts that they
      otherwise would receive on their preferred stock if the shares were paid in full.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Conversion Rights</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The terms and conditions, if any, upon which any series of preferred stock is convertible into common stock or other securities will be set forth in the prospectus supplement
      relating to the offering of those preferred stock. These terms typically will include number of common stock or other securities into which the preferred stock is convertible; conversion price (or manner of calculation); conversion period; provisions
      as to whether conversion will be at the option of the holders of the preferred stock or at our option; events, if any, requiring an adjustment of the conversion price; and provisions affecting conversion in the event of the redemption of that series
      of preferred stock.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">12</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Transfer Agent and Registrar</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We will identify in a prospectus supplement the transfer agent and registrar for any series of preferred stock offered by this prospectus.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF DEPOSITARY SHARES</div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the depositary shares will be contained in the depositary agreement and depositary receipt applicable to any depositary shares. These
      documents have been or will be included or incorporated by reference as exhibits to the registration statement of which this prospectus is a part. You should read the depositary agreement and the depositary receipt. You should also read the
      prospectus supplement, which will contain additional information and which may update or change some of the information below.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">General</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may offer fractional preferred stock, rather than full preferred stock, and may issue receipts for depositary shares that each represents a fraction of a share of a particular
      series of preferred stock. The prospectus supplement will indicate that fraction. The preferred stock represented by depositary shares will be deposited under a depositary agreement between us and a bank or trust company selected by us that meets
      certain requirements, which we refer to as the &#8220;bank depositary.&#8221; Each owner of a depositary share will be entitled to the rights and preferences of the preferred stock represented by the depositary share. The depositary shares will be evidenced by
      depositary receipts issued pursuant to the depositary agreement. Depositary receipts will be distributed to persons purchasing the fractional preferred stock in accordance with the offering.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following summary description of certain common provisions of a depositary agreement and the related depositary receipts and any summary description of the depositary
      agreement and depositary receipts in the applicable prospectus supplement do not purport to be complete and are qualified in their entirety by reference to all of the provisions of such depositary agreement and depositary receipts. The forms of the
      depositary agreement and the depositary receipts relating to any particular issue of depositary shares will be filed with the SEC each time we issue depositary shares, and you should read those documents for provisions that may be important to you.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Dividends and Other Distributions</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If we pay a cash distribution or dividend on a series of preferred stock represented by depositary shares, the bank depositary will distribute such dividends to the record
      holders of such depositary shares. If the distributions are in property other than cash, the bank depositary will distribute the property to the record holders of the depositary shares. However, if the bank depositary determines that it is not
      feasible to make the distribution of property, the bank depositary may, with our approval, sell such property and distribute the net proceeds from such sale to the record holders of the depositary shares.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Redemption of Depositary Shares</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If we redeem a series of preferred stock represented by depositary shares, the bank depositary will redeem the depositary shares from the proceeds received by the bank depositary
      in connection with the redemption. The redemption price per depositary share will equal the applicable fraction of the redemption price per share of the preferred stock. If fewer than all the depositary shares are redeemed, the depositary shares to
      be redeemed will be selected by lot or pro rata as the bank depositary may determine.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">13</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Voting the Preferred Stock</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Upon receipt of notice of any meeting at which the holders of the preferred stock represented by depositary shares are entitled to vote, the bank depositary will mail the notice
      to the record holders of the depositary shares relating to such preferred stock. Each record holder of these depositary shares on the record date, which will be the same date as the record date for the preferred stock, may instruct the bank
      depositary as to how to vote the preferred stock represented by such holder&#8217;s depositary shares. The bank depositary will endeavor, insofar as practicable, to vote the amount of the preferred stock represented by such depositary shares in accordance
      with such instructions, and we will take all action that the bank depositary deems necessary in order to enable the bank depositary to do so. The bank depositary will abstain from voting the preferred stock to the extent it does not receive specific
      instructions from the holders of depositary shares representing such preferred stock.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Amendment and Termination of the Depositary Agreement</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Unless otherwise provided in the applicable prospectus supplement or required by law, the form of depositary receipt evidencing the depositary shares and any provision of the
      depositary agreement may be amended by agreement between the bank depositary and us. The depositary agreement may be terminated by the bank depositary or us only if:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7d8fba768567401eb76df36898dd3ad1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">all outstanding depositary shares have been redeemed,&#160;or</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z461d4826dc68479e841fa452d6416de8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">there has been a final distribution in respect of the preferred stock in connection with any liquidation, dissolution or winding up of our company, and such distribution has been
                distributed to the holders of depositary receipts.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Charges of Bank Depositary</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We will pay charges of the bank depositary in connection with the initial deposit of the preferred stock and any redemption of the preferred stock. We will pay all transfer and
      other taxes and governmental charges arising solely from the existence of the depositary arrangements. Holders of depositary receipts will pay other transfer and other taxes and governmental charges and any other charges, including a fee for the
      withdrawal of preferred stock upon surrender of depositary receipts, as are expressly provided in the depositary agreement for their accounts.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Withdrawal of Preferred Stock</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Except as may be provided otherwise in the applicable prospectus supplement, upon surrender of depositary receipts at the principal office of the bank depositary, subject to the
      terms of the depositary agreement, the owner of the depositary shares may demand delivery of the number of whole shares of preferred stock and all money and other property, if any, represented by those depositary shares. Partial preferred stock will
      not be issued. If the depositary receipts delivered by the holder evidence a number of depositary shares in excess of the number of depositary shares representing the number of whole shares of preferred stock to be withdrawn, the bank depositary will
      deliver to such holder at the same time a new depositary receipt evidencing the excess number of depositary shares. Holders of preferred stock thus withdrawn may not thereafter deposit those shares under the depositary agreement or receive depositary
      receipts evidencing depositary shares therefor.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Miscellaneous</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The bank depositary will forward to holders of depositary receipts reports and communications from us that are delivered to the bank depositary and that we are required to
      furnish to the holders of the</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">14</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">preferred stock. Neither the bank depositary nor we will be liable if we are prevented or delayed by law or any circumstance beyond our control in performing obligations under the depositary
      agreement. The obligations of the bank depositary and us thereunder will be limited to performance in good faith of our respective duties, and we will not be obligated to prosecute or defend any legal proceeding in respect of any depositary shares or
      preferred stock unless satisfactory indemnity is furnished. We may rely upon written advice of counsel or accountants, or upon information provided by persons presenting preferred stock for deposit, holders of depositary receipts or other persons
      believed to be competent and on documents believed to be genuine.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Resignation and Removal of Bank Depositary</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The bank depositary may resign at any time by delivering to us notice of its election to do so, and we may at any time remove the bank depositary. Any such resignation or removal
      will take effect upon the appointment of a successor bank depositary and its acceptance of such appointment. The successor bank depositary must be appointed within 60&#160;days after delivery of the notice of resignation or removal and must be a bank or
      trust company meeting the requirements of the depositary agreement.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF DEBT SECURITIES</div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the debt securities will be contained in the indenture and indenture supplement applicable to the debt securities. These documents
      have been or will be included or incorporated by reference as exhibits to the registration statement of which this prospectus is a part. You should read the indenture and indenture supplement in their entirety. You should also read the prospectus
      supplement, which will contain additional information and which may update or change some of the information below.</div>
    <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">General</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may issue senior or subordinated debt securities, which will be direct, general obligations of Horizon that may be secured or unsecured.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The senior debt securities will constitute part of our senior debt, will be issued under the senior debt indenture described below and will rank equally in payment with all of
      our other senior and unsubordinated debt, whether secured or unsecured.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The subordinated debt securities will constitute part of our subordinated debt, will be issued under the subordinated indenture described below and will be subordinate in right
      of payment to all of our &#8220;senior debt,&#8221; as defined in the indenture with respect to subordinated debt securities. The prospectus supplement for any series of subordinated debt securities or the information incorporated in this prospectus by reference
      will indicate the approximate amount of senior debt outstanding as of the end of our most recent fiscal quarter. Neither indenture limits our ability to incur additional senior debt, additional subordinated debt or other indebtedness.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">When we refer to &#8220;debt securities&#8221; in this prospectus, we mean both the senior debt securities and the subordinated debt securities.</div>
    <div style="text-align: justify; text-indent: 36pt;">The senior debt securities and subordinated debt securities will be governed by an indenture between us and one or more trustees selected by us. The indentures will be substantially identical, except
      for certain provisions including those relating to subordination, which are included only in the indenture related to subordinated debt securities. When we refer to the indenture or the trustee with respect to any debt securities, we mean the
      indenture under which those debt securities are issued and the trustee under that indenture.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">15</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Series of Debt Securities</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We may issue multiple debt securities or series of debt securities under either indenture. This section summarizes terms of the securities that apply generally to all debt securities and series of
      debt securities. The provisions of each indenture allow us not only to issue debt securities with terms different from those of debt securities previously issued under that indenture, but also to &#8220;reopen&#8221; a previously issued series of debt securities
      and issue additional debt securities of that series. We will describe most of the financial and other specific terms of a particular series, whether it be a series of the senior debt securities or subordinated debt securities, in the prospectus
      supplement applicable for that series. Those terms may vary from the terms described here.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Amounts of Issuances</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The indentures do not limit the amount of debt securities that may be issued under them. We may issue the debt securities from time to time in one or more series. We are not required to issue all of
      the debt securities of one series at the same time and, unless otherwise provided in the applicable indenture or prospectus supplement, we may reopen a series and issue additional debt securities of that series without the consent of the holders of
      the outstanding debt securities of that series.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Principal Amount, Stated Maturity and Maturity</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Unless otherwise stated, the principal amount of a debt security means the principal amount payable at its stated maturity, unless that amount is not determinable, in which case the principal amount
      of a debt security is its face amount.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The term &#8220;stated maturity&#8221; with respect to any debt security means the day on which the principal amount of the debt security is scheduled to become due. The principal may become due sooner, by
      reason of redemption or acceleration after a default or otherwise in accordance with the terms of the debt security. The day on which the principal actually becomes due, whether at the stated maturity or earlier, is called the &#8220;maturity&#8221; of the
      principal.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We also use the terms &#8220;stated maturity&#8221; and &#8220;maturity&#8221; to refer to the days when other payments become due. For example, we may refer to a regular interest payment date when an installment of
      interest is scheduled to become due as the &#8220;stated maturity&#8221; of that installment. When we refer to the &#8220;stated maturity&#8221; or the &#8220;maturity&#8221; of a debt security without specifying a particular payment, we mean the stated maturity or maturity, as the
      case may be, of the principal.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Specific Terms of Debt Securities</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The applicable prospectus supplement will describe the specific terms of the debt securities, which will include some or all of the following:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za0956f0e710e4f4cbe919ce3fc1f54e0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the title of the series and whether it is a senior debt security or a subordinated debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdd219d9bec254dc79fe2357485abbcec" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">any limit on the total principal amount of the debt securities of the same series;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z322dc7d4d0124d2799c6fbea83256002" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the stated maturity;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd8aa2e3f6273428b8ad19e90d88fc1fc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the currency or currencies for principal and interest, if not U.S. dollars;</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">16</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z86536157a5a54cb7bd628a5ea867a1b9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the price at which we originally issue the debt security, expressed as a percentage of the principal amount, and the original issue date;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdd4d651b99254a2ca9afc7cf32f6a633" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">whether the debt security is a fixed rate debt security, a floating rate debt security or an indexed debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z021a295a30554bd4b9f9f13c487fd15a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the debt security is a fixed rate debt security, the yearly rate at which the debt security will bear interest, if any, and the interest payment dates;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1c97beb143e34b669899d873ceb0c490" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the debt security is a floating rate debt security, the interest rate basis; any applicable index currency or index maturity, spread or spread multiplier or initial base rate, maximum rate or minimum rate;
                the interest reset, determination, calculation and payment dates; the day count convention used to calculate interest payments for any period; the business day convention; and the calculation agent;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6ab04e0fa66d4e998f10a34d2d371596" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the debt security is an indexed debt security, the principal amount, if any, we will pay at maturity, interest payment dates, the amount of interest, if any, we will pay on an interest payment date or the
                formula we will use to calculate these amounts, if any, and the terms on which the debt security will be exchangeable for or payable in cash, securities or other property;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z240fa7d6acef45189b3e536c908f896f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the debt security may be converted into or exercised or exchanged for common or preferred stock or other securities of the Company or debt or equity securities of one or more third parties, the terms on
                which conversion, exercise or exchange may occur, including whether conversion, exercise or exchange is mandatory, at the option of the holder or at our option, the period during which conversion, exercise or exchange may occur, the initial
                conversion, exercise or exchange price or rate and the circumstances or manner in which the amount of common or preferred stock or other securities issuable upon conversion, exercise or exchange may be adjusted;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4b6738ae3f654323a986cd5426361bbc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the debt security is also an original issue discount debt security, the yield to maturity;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb914e3a91a3a48deae08b1d2b2825eca" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if applicable, the circumstances under which the debt security may be redeemed at our option or repaid at the holder&#8217;s option before the stated maturity, including any redemption commencement date, repayment
                date(s), redemption price(s) and redemption period(s);</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zfd53f31026ef4f4ba0584e69f0023b99" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the authorized denominations, if other than $1,000 and integral multiples of $1,000;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd478043d640045f3a0e071d80ad0ca8c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the depositary for the debt security, if other than The Depository Trust Company (&#8220;DTC&#8221;), and any circumstances under which the holder may request securities in non-global form, if we choose not to issue the
                debt security in book-entry form only;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9235d8c4dd7a4695ada0ec36b53c5e51" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if applicable, the circumstances under which we will pay additional amounts on any debt securities held by a person who is not a United States person for tax purposes and under which we can redeem the debt
                securities if we have to pay additional amounts;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zeb24a96ddd1b4c77806ff8507d71197c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">whether the debt security will be guaranteed by any of our subsidiaries;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7e3a56d9036a4f36b67089278162ab5d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the assets, if any, that will be pledged as security for the payment of the debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zeb6252e352c448aea0f1ba29ecaea3f7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the names and duties of any co-trustees, depositaries, authenticating agents, paying agents, transfer agents or registrars for the debt security, as applicable; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">17</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z935803b09ebe4a128c34ddcf952f1c89" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">any other terms of the debt security which could be different from those described in this prospectus.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Governing Law</div>
    <div style="text-align: justify;"> <br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The indentures and the debt securities will be governed by the laws of the State of New York, without regard to conflicts of laws principles thereof.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Form of Debt Securities</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will issue each debt security only in registered form, without coupons, unless we specify otherwise in the applicable prospectus supplement. In addition, we will issue each debt security in
      global&#8212;i.e., book-entry&#8212;form only, unless we specify otherwise in the applicable prospectus supplement. Debt securities in book-entry form will be represented by a global security registered in the name of a depositary, which will be the holder of
      all the debt securities represented by the global security. Those who own beneficial interests in a global debt security will do so through participants in the depositary&#8217;s securities clearance system, and the rights of these indirect owners will be
      governed solely by the applicable procedures of the depositary and its participants. References to &#8220;holders&#8221; in this section mean those who own debt securities registered in their own names, on the books that we or the trustee maintain for this
      purpose, and not those who own beneficial interests in debt securities registered in street name or in debt securities issued in book-entry form through one or more depositaries.</div>
    <div>
      <div style="text-align: justify; text-indent: 24.5pt; margin-top: 12pt;">Unless otherwise indicated in the relevant prospectus supplement, the following is a summary of the depositary arrangements applicable to debt securities issued in global form
        and for which DTC acts as depositary.</div>
      <div style="text-align: justify; text-indent: 24.5pt; margin-top: 12pt;">Each global debt security will be deposited with, or on behalf of, DTC, as depositary, or its nominee, and registered in the name of a nominee of DTC. Except under the limited
        circumstances described below, global debt securities are not exchangeable for definitive certificated debt securities.</div>
      <div style="text-align: justify; text-indent: 24.5pt; margin-top: 12pt;">Ownership of beneficial interests in a global debt security is limited to institutions that have accounts with DTC or its nominee, or persons that may hold interests through
        those participants. In addition, ownership of beneficial interests by participants in a global debt security will be evidenced only by, and the transfer of that ownership interest will be effected only through, records maintained by DTC or its
        nominee for a global debt security. Ownership of beneficial interests in a global debt security by persons that hold those interests through participants will be evidenced only by, and the transfer of that ownership interest within that participant
        will be effected only through, records maintained by that participant. DTC has no knowledge of the actual beneficial owners of the debt securities. Beneficial owners will not receive written confirmation from DTC of their purchase, but beneficial
        owners are expected to receive written confirmations providing details of the transaction, as well as periodic statements of their holdings, from the participants through which the beneficial owners entered the transaction. The laws of some
        jurisdictions require that certain purchasers of securities take physical delivery of securities they purchase in definitive form. These laws may impair a holder&#8217;s ability to transfer beneficial interests in a global debt security.</div>
      <div style="text-align: justify; text-indent: 24.5pt; margin-top: 12pt;">We will make payment of principal of, and interest on, debt securities represented by a global debt security registered in the name of or held by DTC or its nominee to DTC or
        its nominee, as the case may be, as the registered owner and holder of the global debt security representing those debt securities. DTC has advised us that upon receipt of any payment of principal of, or interest on, a global debt security, DTC
        immediately will credit accounts of participants on its book-entry registration and transfer system with payments in amounts proportionate to their respective interests in the principal amount of that global debt security, as shown in the records
        of DTC. Payments by participants to owners of beneficial interests in a</div>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">18</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <div><br>
      </div>
      <div style="text-align: justify; margin-top: 12pt;">global debt security held through those participants will be governed by standing instructions and customary practices, as is now the case with securities held for the accounts of customers in
        bearer form or registered in &#8220;street name,&#8221; and will be the sole responsibility of those participants, subject to any statutory or regulatory requirements that may be in effect from time to time.</div>
    </div>
    <div>
      <div style="text-align: justify; text-indent: 24.5pt; margin-top: 12pt;">Neither we, any trustee nor any of our respective agents will be responsible for any aspect of the records of DTC, any nominee or any participant relating to, or payments made
        on account of, beneficial interests in a permanent global debt security or for maintaining, supervising or reviewing any of the records of DTC, any nominee or any participant relating to such beneficial interests.</div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">A global debt security is exchangeable for definitive debt securities registered in the name of, and a transfer of a global debt security may be registered to, any person other than DTC or its
      nominee, only if:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z73a97ba79006415ca9425ffc281f8e08" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">DTC notifies us that it is unwilling or unable to continue as depositary for that global security or has ceased to be a registered clearing agency and we do not appoint another institution to act as
                depositary within 90 days; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z416f0e7bfd0a4b4e927e8d1dfdc89ec0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we notify the trustee that we wish to terminate that global security.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Any global debt security that is exchangeable pursuant to the preceding sentence will be exchangeable in whole for definitive debt securities in registered form, of like tenor and of an equal
      aggregate principal amount as the global debt security, in denominations specified in the applicable prospectus supplement, if other than $1,000 and multiples of $1,000. The definitive debt securities will be registered by the registrar in the name
      or names instructed by DTC. We expect that these instructions may be based upon directions received by DTC from its participants with respect to ownership of beneficial interests in the global debt security.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Except as provided above, owners of the beneficial interests in a global debt security will not be entitled to receive physical delivery of debt securities in definitive form and will not be
      considered the holders of debt securities for any purpose under the indentures. No global debt security shall be exchangeable except for another global debt security of like denomination and tenor to be registered in the name of DTC or its nominee.
      Accordingly, each person owning a beneficial interest in a global debt security must rely on the procedures of DTC and, if that person is not a participant, on the procedures of the participant through which that person owns its interest, to exercise
      any rights of a holder under the global debt security or the indentures.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We understand that, under existing industry practices, in the event that we request any action of holders, or an owner of a beneficial interest in a global debt security desires to give or take any
      action that a holder is entitled to give or take under the debt securities or the indentures, DTC would authorize the participants holding the relevant beneficial interests to give or take that action. Additionally, those participants would authorize
      beneficial owners owning through those participants to give or take that action or would otherwise act upon the instructions of beneficial owners owning through them.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">DTC has advised us as follows:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb444f14b9ad74414ba80803b4b571597" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">DTC is:</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1614eae8b2334218bf095394c2ae48a6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">o</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">a limited-purpose trust company organized under the New York Banking Law,</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z10f484d82326452a9ec5eb9d74e0bc5d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">o</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">a &#8220;banking organization&#8221; within the meaning of the New York Banking Law,</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z09744c22a0774fcaa3b6e30e9d1d3228" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">o</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">a member of the Federal Reserve System,</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">19</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb185713e6a0e42f283cd13d8fbc62a8a" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">o</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">a &#8220;clearing corporation&#8221; within the meaning of the New York Uniform Commercial Code, and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7a426d6ca75040bfbcead492f018f39f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 90pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 72pt;">o</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">a &#8220;clearing agency&#8221; registered pursuant to Section 17A of the Exchange Act;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z80ae5715a0924a219cdea3e5dd5cce9d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">DTC was created to hold securities of its participants and to facilitate the clearance and settlement of securities transactions among its participants in those securities through electronic book-entry
                changes in accounts of the participants, thereby eliminating the need for physical movement of securities certificates;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcce2ef61bcd149cb84542196da92f7f6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">DTC&#8217;s participants include securities brokers and dealers, banks, trust companies, clearing corporations and certain other organizations, some of whom own DTC;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z11fff40d1b3c43bfaac8260ccbcfc67e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Access to DTC&#8217;s book-entry system is also available to others, such as banks, brokers, dealers and trust companies that clear through or maintain a custodial relationship with a participant, either directly
                or indirectly. Persons who are not participants may beneficially own securities held by DTC only through participants or indirect participants.</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <div><br>
      </div>
      <div style="text-align: justify; text-indent: 18pt;">The information in this prospectus concerning DTC and DTC&#8217;s book-entry system has been obtained from sources that we believe to be reliable, but we take no responsibility for its accuracy or
        completeness. We assume no responsibility for the performance by DTC or its participants of their respective obligations, including obligations that they have under the rules and procedures that govern their operations.</div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Redemption or Repayment</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If there are any provisions regarding redemption or repayment applicable to a debt security, we will describe them in the applicable indenture and prospectus supplement.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We or our affiliates may purchase debt securities from investors who are willing to sell from time to time, either in the open market at prevailing prices or in private transactions at negotiated
      prices. Debt securities that we or they purchase may, at our discretion, be held, resold or cancelled.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Mergers and Similar Transactions</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We are generally permitted under the indenture for the relevant series to merge or consolidate with another corporation or other entity. We are also permitted under the indenture for the relevant
      series to sell all or substantially all of our assets to another corporation or other entity. With regard to any series of debt securities, however, we may not take any of the foregoing actions unless all the following conditions, among others, are
      met.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf5e694f454f3427297083e4bdea20be6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">If the successor entity in the transaction is not the Company, the successor entity must expressly assume our obligations under the debt securities of that series and the indenture with respect to that
                series. The successor entity must be organized and existing under the laws of the United States, any State thereof or the District of Columbia.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1b408414754941008bcb5bde6f859125" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">Immediately after the transaction, no default under the debt securities of that series has occurred and is continuing. For this purpose, &#8220;default under the debt securities of that series&#8221; means an event of
                default with respect to that series or any event that would be an event of default with respect to that series if the requirements for giving us default notice and for our default having to continue for a specific period of time were
                disregarded. We describe these matters below under &#8220;&#8211; Default, Remedies and Waiver of Default.&#8221;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">20</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If the conditions described above are satisfied with respect to the debt securities of any series, we will not need to obtain the approval of the holders of those debt securities in order to merge or
      consolidate or to sell our assets. Also, these conditions will apply only if we wish to merge or consolidate with another entity or sell all or substantially all of our assets to another entity. We will not need to satisfy these conditions if we
      enter into other types of transactions, including any transaction in which we acquire the stock or assets of another entity, any transaction that involves a change of control of the Company but in which we do not merge or consolidate and any
      transaction in which we sell less than substantially all our assets.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If we engage in any of the above-described transactions and comply with the applicable conditions related thereto, we will be released from all our liabilities and obligations under the debt
      securities of any series subject to any such transaction and the indenture with respect to that series.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Subordination Provisions</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Holders of subordinated debt securities should recognize that contractual provisions in the subordinated indenture may prohibit us from making payments on those securities. Subordinated debt
      securities are subordinate and junior in right of payment, to the extent and in the manner stated in the subordinated indenture, to all of our senior debt, as defined in the subordinated indenture, including all debt securities we have issued and
      will issue under the senior debt indenture.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The subordinated indenture defines &#8220;senior debt&#8221; as any indebtedness permitted under the terms of that indenture, unless the instrument under which such indebtedness is incurred expressly provides
      that it is on a parity with or subordinated in right of payment to the subordinated debt securities.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Notwithstanding the foregoing, &#8220;senior debt&#8221; will not include: (i) equity interests; (ii) any liability for taxes; (iii) any trade payables; (iv) any indebtedness owed to any of our subsidiaries or
      affiliates; or (v) any indebtedness incurred in violation of the subordinated indenture.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We may modify the above-described subordination provisions, including the definition of senior debt, with respect to one or more series of subordinated debt securities. Such modifications will be set
      forth in the applicable prospectus supplement.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The subordinated indenture provides that, unless all principal of and any premium or interest on the senior debt has been paid in full, no payment or other distribution may be made in respect of any
      subordinated debt securities in the following circumstances:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z14ebc4dd747c44d88332668c397fab05" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">in the event of any insolvency or bankruptcy proceedings, or any receivership, liquidation, reorganization, assignment for creditors or other similar proceedings or events involving us or our assets;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z842a73ac874c424caabbe78624248559" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">(a) in the event and during the continuation of any default in the payment of principal, premium or interest on any senior debt beyond any applicable grace period or (b) in the event that any event of default
                with respect to any senior debt has occurred and is continuing, permitting the holders of that senior debt (or a trustee) to accelerate the maturity of that senior debt, whether or not the maturity is in fact accelerated (unless, in the
                case of (a) or (b), the payment default or event of default has been cured or waived or ceased to exist and any related acceleration has been rescinded) or (c) in the event that any judicial proceeding is pending with respect to a payment
                default or event of default described in (a) or (b); or</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">21</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9452685d666145bca0a911e8a452ff59" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">in the event that any subordinated debt securities have been declared due and payable before their stated maturity.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If the trustee under the subordinated indenture or any holders of the subordinated debt securities receive any payment or distribution that is prohibited under the subordination provisions, then the
      trustee or the holders will have to repay that money to the holders of the senior debt.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Even if the subordination provisions prevent us from making any payment when due on the subordinated debt securities of any series, we will be in default on our obligations under that series if we do
      not make the payment when due. This means that the trustee under the subordinated indenture and the holders of that series can take action against us, but they will not receive any money until the claims of the holders of senior debt have been fully
      satisfied.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Defeasance, Covenant Defeasance and Satisfaction and Discharge</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">When we use the term defeasance, we mean discharge from some or all of our obligations under the indenture. If we deposit with the trustee funds or government securities (or a combination thereof),
      or if so provided in the applicable indenture or prospectus supplement, obligations other than government securities, sufficient to make payments on any series of debt securities on the dates those payments are due and payable and other specified
      conditions are satisfied, then, at our option, either of the following will occur:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z60f62061de564fa89dd22caab37e2258" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we will be discharged from our obligations with respect to the debt securities of such series (&#8220;legal defeasance&#8221;); or</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zba39e93044bf44c2895352e906c73862" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we will be discharged from any covenants we make in the applicable indenture for the benefit of such series and the related events of default will no longer apply to us (&#8220;covenant defeasance&#8221;).</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If we defease any series of debt securities, the holders of such securities will not be entitled to the benefits of the indenture, except for certain continuing obligations, including our obligations
      to register the transfer or exchange of such securities, replace stolen, lost or mutilated securities or maintain paying agencies and hold moneys for payment in trust. In case of covenant defeasance, our obligation to pay principal, premium and
      interest on the applicable series of debt securities will also survive.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will be required to deliver to the trustee an opinion of counsel that the deposit and related defeasance would not cause the holders of the applicable series of debt securities to recognize gain
      or loss for federal income tax purposes. If we elect legal defeasance, that opinion of counsel must be based upon a ruling from the United States Internal Revenue Service or a change in law to that effect.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">In addition, we may satisfy and discharge all our obligations under the indenture with respect to debt securities of any series, other than our obligation to register the transfer of and exchange
      debt securities of that series, provided that we either:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc99c05cc956f40aaba6aba261ef2d677" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">deliver all outstanding debt securities of that series to the trustee for cancellation; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z92d22ac5256841888af985bea1283437" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">all such debt securities not so delivered for cancellation have either become due and payable (by reason of the making of a notice of redemption or otherwise) or will become due and payable at their stated
                maturity within one year or are to be called for redemption within one year, and in either such case, we have deposited with the trustee in trust an amount of cash</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">22</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-left: 54pt;">sufficient to pay the entire indebtedness of such debt securities, including interest to the stated maturity or applicable redemption date.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Default, Remedies and Waiver of Default</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Unless otherwise specified in the applicable prospectus supplement, when we refer to an event of default with respect to any series of debt securities, we mean any of the following:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze3757d0fb6ec4b4ca618feba8bdb219e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we do not pay the principal, premium or sinking fund payment, if any, on any debt security of that series when due at its stated maturity, upon optional redemption, upon required purchase, upon declaration of
                acceleration or otherwise and the time for payment has not been extended or deferred;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7a2fd00d8afb468aa424f0937b6ea1ca" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we do not pay interest on any debt security of that series within 30 days after the due date and the time for payment has not been extended or deferred;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1488e1076c214c93be937eae495d0c2b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we fail to comply for 90 days after notice with the other agreements and covenants contained in the indenture, which notice must be sent by the trustee or the holders of at least 30% in principal amount of
                the relevant series of debt securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbe7b9a370f324c979f4cd0d27f6d2049" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">we file for bankruptcy or other events of bankruptcy, insolvency or reorganization relating to us occur; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdbd9c899d6974b8a94a8f80aa717f5ca" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the applicable prospectus supplement states that any additional event of default applies to the series, that event of default occurs.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We may change, eliminate, or add to the events of default with respect to any particular series or any particular debt security or debt securities within a series, as indicated in the applicable
      prospectus supplement.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If you are the holder of a subordinated debt security, all the remedies available upon the occurrence of an event of default under the subordinated indenture will be subject to the restrictions on
      the subordinated debt securities described above under &#8220;&#8211; Subordination Provisions.&#8221;</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Except as otherwise specified in the applicable prospectus supplement, if an event of default has occurred with respect to any series of debt securities and has not been cured or waived, the trustee
      or the holders of not less than 30% in principal amount of all debt securities of that series then outstanding may declare the entire principal amount of the debt securities of that series to be due immediately. Except as otherwise specified in the
      applicable prospectus supplement, if the event of default occurs because of events in bankruptcy, insolvency or reorganization relating to us, the entire principal amount of the debt securities of that series will be automatically accelerated,
      without any action by the trustee or any holder.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Each of the situations described above may result in an acceleration of the stated maturity of the affected series of debt securities. Except as otherwise specified in the applicable prospectus
      supplement, if the stated maturity of any series is accelerated and a judgment for payment has not yet been obtained, the holders of a majority in principal amount of the debt securities of that series may cancel the acceleration for the entire
      series.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If an event of default occurs, the trustee will have special duties. In that situation, the trustee will be obligated to use those of its rights and powers under the relevant indenture, and to use
      the same degree</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">23</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">of care and skill in doing so, that a prudent person would use in that situation in conducting his or her own affairs.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Except as described in the prior paragraph, the trustee is not required to take any action under the relevant indenture at the request of any holders unless the holders offer the trustee protection
      satisfactory to it from loss, liability or expense. These holders may also direct the trustee in performing any other action under the relevant indenture with respect to the debt securities of that series.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Except as otherwise specified in the applicable prospectus supplement, before a holder may take steps to enforce its rights or protect its interests relating to any debt security, all of the
      following must occur:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z28c592c3f88548c095ed3b5e57b42da6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the holder must give the trustee written notice that an event of default has occurred with respect to the debt securities of the series, and the event of default must not have been cured or waived;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8718acbbfd1f467a85ab1ba72a15fa92" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the holders of at least 30% in principal amount of all debt securities of the series must request that the trustee take action because of the default, and they or other holders must offer to the trustee
                indemnity reasonably satisfactory to the trustee against the cost and other liabilities of taking that action;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z005be0ee391b4ca9b016ae8b27627048" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">the trustee must not have taken action for 60 days after the above steps have been taken; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8c1317b42c264db093a917a7e6af6a06" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">during those 60 days, the holders of a majority in principal amount of the debt securities of the series must not have given the trustee directions that are inconsistent with such request.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Book-entry and other indirect owners should consult their banks or brokers for information on how to give notice or direction to or make a request of the trustee and how to declare or cancel an
      acceleration of the maturity.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Except as otherwise specified in the applicable prospectus supplement, the holders of a majority in principal amount of the debt securities of any series may by notice to the trustee waive an
      existing default and its consequences for all debt securities of that series except (i) a default in the payment of the principal of or any premium or interest on a debt security, or (ii) a default in respect of a provision that under the indenture
      cannot be amended without the consent of each securityholder affected. If a waiver occurs, the default is deemed cured, but no such waiver shall extend to any subsequent or other default or impair any consequent right.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will furnish each trustee every year a certificate indicating whether the signer(s) thereof know of any default that occurred in the previous year.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Modifications and Waivers</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold; font-style: italic;">Changes Requiring Each Holder&#8217;s Approval</font>. Except as otherwise specified in the applicable prospectus supplement, we and the trustee may
      amend the indentures or the debt securities with the written consent of the holders of at least a majority in principal amount of the debt securities then outstanding. However, without the consent of each securityholder affected thereby, an amendment
      or waiver may not, except as otherwise specified in the applicable prospectus supplement with respect to one or more series of debt securities:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9b93d0a998304608ae63c6935c4e273d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">reduce the amount of debt securities whose holders must consent to an amendment;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf55e631d403641b0a29ca5a9ac43803b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">reduce the rate of, or extend the time for payment of, the interest on any debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">24</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb9c5b4ae3a554357ba180678d5e1a7b4" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">reduce the principal of or change the stated maturity on any debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z58994aca45784cdf9b1e43e952a1344e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">permit redemption of a debt security if not previously permitted;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zff1c809d1e7946ad82c694b2b0831344" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">change the place of payment or the currency of any payment on a debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb3e6e777cdb04d81aaee7501206e03b1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">impair the right of any holder of a debt security to institute suit for the enforcement of any payment on or with respect to such holder&#8217;s debt security;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8c1cf2bfa46e49bb8062aae801d50846" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">change the amendment provisions which require each holder&#8217;s consent or change the waiver provisions in a manner adverse to the holders of the debt securities affected thereby; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z79ff3f7c46d74e15800a7e949d501a61" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">change the ranking or priority of any debt security that would adversely affect the securityholders.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold; font-style: italic;">Changes Not Requiring Approval</font>. We and the trustee may amend the indentures or the debt securities without notice to or consent of any
      securityholder:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z779dd2df3dca4caf9398995aac21de7c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">to cure any ambiguity or omission, to correct or supplement any provision therein which may be defective or inconsistent with any other provision therein, or to make any other provisions with respect to
                matters or questions arising under the indenture;</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z04b14dd92e0646d390c70016a3c24023" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">to evidence the succession of another person to the Company and the assumption by any such successor of the covenants of the Company in the indenture and the debt securities, as the case may be;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zec4374bf656b4c80a807d21a6c82bc0c" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to add to the covenants of the Company for the benefit of the holders of all or any debt securities of any series or to surrender any right or power therein conferred upon the Company with
                regard to all or any debt securities of any series;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z607e15e901bb4eb18a9bbf73bd09fee7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to add any additional events of default for the benefit of the holders of all or any debt securities of any series;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze681b236d2b64cb3b58f01325c302471" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to add to or change any of the provisions of the indenture to such extent as shall be necessary to permit or facilitate the issuance of the debt securities in definitive form, or to permit
                or facilitate the issuance of debt securities in uncertificated form;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb84fdd92a4ea475a86bcf0b199f70ffb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to add to, change or eliminate any of the provisions of the indenture in respect of all or any debt securities of any series, provided that any such addition, change or elimination (i) shall
                neither (a) apply to any debt security of any series created prior to the execution of such supplemental indenture and entitled to the benefit of such provision nor (b) modify the rights of the holder of any such debt security with respect
                to such provision, or (ii) shall become effective only when there is no such debt security outstanding;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc860db91015f47c9b7441c1e061e1dbf" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to secure the debt securities or add any person as a guarantor of such securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za4fbe5888b2c4c8d84890c10372c8cf6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to establish the form or terms of all or any debt securities of any series;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0ed516f395724ade87560658ef599d78" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to evidence and provide for the acceptance of appointment hereunder by a successor trustee with respect to the debt securities of one or more series and to add to or change any of the</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">25</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="margin-left: 58.5pt; margin-top: 12pt;">provisions of the indenture as shall be necessary to provide for or facilitate the administration of the trusts thereunder by more than one trustees;</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z7b2d892a210f4c898c254738d05b65c5" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to add to or change any of the provisions of the indenture with respect to any debt securities that by their terms may be converted into securities or other property other than debt
                securities of the same series and of like tenor, in order to permit or facilitate the issuance, payment or conversion of such debt securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9e3599d62de04a359643ad1499a18ea9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to comply with any SEC requirement in connection with the qualification of the indenture under the Trust Indenture Act;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc384b1d5411249c69a6d71aec7b2a348" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to make any amendment to the provisions of the indenture relating to the transfer and legending of the debt securities; <font style="font-style: italic;">provided, however</font>, that (i)
                compliance with the indenture as so amended would not result in the debt securities being transferred in violation of the Securities Act or any other applicable securities law, and (ii) such amendment does not materially and adversely
                affect the rights of holders to transfer the debt securities; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z3a0c0f5e291d4f0b822fcc8e179db540" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-top: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-top: 12pt;">to make any other change to the indenture that does not adversely affect the interests of the holders of debt securities of any series in any material respect.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold; font-style: italic;">Modification of Subordination Provisions</font>. We may not amend the indenture related to subordinated debt securities to alter the subordination
      of any outstanding subordinated debt securities without the written consent of each holder of senior debt then outstanding who would be adversely affected (or the group or representative thereof authorized or required to consent thereto pursuant to
      the instrument creating or evidencing, or pursuant to which there is outstanding, such senior debt).</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Book-entry and other indirect owners should consult their banks or brokers for information on how approval may be granted or denied if we seek to change an indenture or any debt securities or request
      a waiver.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;"><font style="font-weight: bold; font-style: italic;">Changes Requiring Majority Approval</font>. Any other change to a particular indenture and the debt securities issued under that indenture would
      require the following approval:</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zbce4d65e7ce3459ca317f0e2780bc80e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the change affects only particular debt securities within a series issued under the applicable indenture, it must be approved by the holders of a majority in principal amount of such particular debt
                securities; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z372a05f6524047199b8ac662d743f4d9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify;">if the change affects debt securities of more than one series issued under the applicable indenture, it must be approved by the holders of a majority in principal amount of all debt securities of all such
                series affected by the change, with all such affected debt securities voting together as one class for this purpose and such affected debt securities of any series potentially comprising fewer than all debt securities of such series, in
                each case, except as may otherwise be provided pursuant to such indenture for all or any particular debt securities of any series. This means that modification of terms with respect to certain securities of a series could be effectuated
                without obtaining the consent of the holders of a majority in principal amount of other securities of such series that are not affected by such modification.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">The same majority approval would be required for us to obtain a waiver of any of our covenants in an indenture. If the holders approve a waiver of a covenant, we will not have to comply with it. The holders, however,
      cannot approve a waiver of any provision in a particular debt security, or in the applicable indenture as it affects that debt security, that we cannot change without the approval of the holder of that</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">26</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">debt security as described above in &#8220;&#8211; Changes Requiring Each Holder&#8217;s Approval,&#8221; unless that holder approves the waiver.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Special Rules for Action by Holders</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Only holders of outstanding debt securities of the applicable series will be eligible to take any action under the applicable indenture, such as giving a notice of default, declaring an acceleration,
      approving any change or waiver or giving the trustee an instruction with respect to debt securities of that series. Also, we will count only outstanding debt securities in determining whether the various percentage requirements for taking action have
      been met. Any debt securities owned by us or any of our affiliates or surrendered for cancellation or for payment or redemption of which money has been set aside in trust are not deemed to be outstanding. Any required approval or waiver must be given
      by written consent.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">In some situations, we may follow special rules in calculating the principal amount of debt securities that are to be treated as outstanding for the purposes described above. This may happen, for
      example, if the principal amount is payable in a non-U.S. dollar currency, increases over time or is not to be fixed until maturity.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will generally be entitled to set any day as a record date for the purpose of determining the holders that are entitled to take action under either indenture. In certain limited circumstances,
      only the trustee will be entitled to set a record date for action by holders. If we or the trustee sets a record date for an approval or other action to be taken by holders, that vote or action may be taken only by persons or entities who are holders
      on the record date and must be taken during the period that we specify for this purpose, or that the trustee specifies if it sets the record date. We or the trustee, as applicable, may shorten or lengthen this period from time to time. This period,
      however, may not extend beyond the 180th day after the record date for the action. In addition, record dates for any global debt security may be set in accordance with procedures established by the depositary from time to time. Accordingly, record
      dates for global debt securities may differ from those for other debt securities.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Form, Exchange and Transfer</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If a debt security is issued as a global debt security, only DTC or other depositary will be entitled to transfer and exchange the debt security as described in this subsection, since the depositary
      will be the sole holder of the debt security.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If any debt securities cease to be issued in registered global form, they will be issued only in fully registered form, without interest coupons and, unless we indicate otherwise in the applicable
      prospectus supplement, in denominations of $1,000 and integral multiples of $1,000.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Holders may exchange their debt securities for debt securities of smaller denominations or combined into fewer debt securities of larger denominations, as long as the total principal amount is not
      changed. Holders may not exchange debt securities for securities of a different series or having different terms, unless permitted by the terms of that series and described in the applicable prospectus supplement.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Holders may exchange or transfer their debt securities at the office of the trustee. They may also replace lost, stolen, destroyed or mutilated debt securities at that office. We have appointed the
      trustee to act as our agent for registering debt securities in the names of holders and transferring and replacing debt securities. We may appoint another entity to perform these functions or perform them ourselves.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Holders will not be required to pay a service charge to transfer or exchange their debt securities, but they may be required to pay for any tax or other governmental charge associated with the
      exchange or</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">27</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">transfer. The transfer or exchange, and any replacement, will be made only if our transfer agent is satisfied with the holder&#8217;s proof of legal ownership. The transfer agent may require an indemnity or bond before
      replacing any debt securities.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If we have designated additional transfer agents for a debt security, they will be named in the applicable prospectus supplement. We may appoint additional transfer agents or cancel the appointment
      of any particular transfer agent. We may also approve a change in the office through which any transfer agent acts.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">If the debt securities of any series are redeemable, we may block the transfer or exchange of those debt securities completely or during the period beginning 15 days before the day we mail the notice
      of redemption and ending on the day of that mailing (or during such other period as specified in any prospectus supplement), in order to freeze the list of holders to prepare the mailing, except that we will continue to permit transfers and exchanges
      of the unredeemed portion of any debt security being partially redeemed.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The rules for exchange described above apply to exchange of debt securities for other debt securities of the same series and kind. If a debt security is convertible, exercisable or exchangeable into
      or for a different kind of security, such as one that we have not issued, or for other property, the rules governing that type of conversion, exercise or exchange will be described in the applicable prospectus supplement.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Payments</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will pay interest, principal and other amounts payable with respect to the debt securities of any series to the holders of record of those debt securities as of the record dates and otherwise in
      the manner specified below or in the prospectus supplement for that series.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will make payments on a global debt security in accordance with the applicable policies of the depositary as in effect from time to time. Under those policies, we will pay directly to the
      depositary, or its nominee, and not to any indirect owners who own beneficial interests in the global debt security. An indirect owner&#8217;s right to receive those payments will be governed by the rules and practices of the depositary and its
      participants.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We will make payments on a debt security in non-global, registered form as follows. We will pay interest that is due on an interest payment date by check mailed on the interest payment date to the
      holder at his or her address shown on the trustee&#8217;s records as of the close of business on the regular record date. We will make all other payments by check at the paying agent described below, against surrender of the debt security. All payments by
      check will be made in next-day funds&#8212;i.e., funds that become available on the day after the check is cashed.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Book-entry and other indirect owners should consult their banks or brokers for information on how they will receive payments on their debt securities.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Regardless of who acts as paying agent, all money paid by us to a paying agent that remains unclaimed at the end of two years after the amount is due to a holder will be repaid to us. After that
      two-year period, the holder may look only to us for payment and not to the trustee, any other paying agent or anyone else.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Paying Agents</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">We may appoint one or more financial institutions to act as our paying agents, at whose designated offices debt securities in non-global entry form may be surrendered for payment at their maturity.
      We call</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">28</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify;">each of those offices a paying agent. We may add, replace or terminate paying agents from time to time. We may also choose to act as our own paying agent. We will specify in the applicable prospectus supplement for
      each debt security the initial location of each paying agent for that debt security. We must notify the trustee of changes in the paying agents.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Notices</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Notices to be given to holders of a global debt security will be given only to the depositary in accordance with its applicable policies as in effect from time to time. Notices to be given to holders
      of debt securities not in global form will be sent by mail to the respective addresses of the holders as they appear in the trustee&#8217;s records, and will be deemed given when mailed. Neither the failure to give any notice to a particular holder, nor
      any defect in a notice given to a particular holder, will affect the sufficiency of any notice given to another holder.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">Book-entry and other indirect owners should consult their banks or brokers for information on how they will receive notices.</div>
    <div><br>
    </div>
    <div style="text-align: justify; font-weight: bold;">Our Relationship With the Trustee</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt;">The prospectus supplement for any debt security will describe any material relationships we may have with the trustee with respect to that debt security.</div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The same financial institution may initially serve as the trustee for our senior debt securities and subordinated debt securities. Consequently, if an actual or potential event
      of default occurs with respect to any of these securities, the trustee may be considered to have a conflicting interest for purposes of the Trust Indenture Act. In that case, the trustee may be required to resign under one or more of the indentures
      and we would be required to appoint a successor trustee. For this purpose, a &#8220;potential&#8221; event of default means an event that would be an event of default if the requirements for giving us default notice or for the default having to exist for a
      specific period of time were disregarded.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF WARRANTS</div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the warrants will be contained in the applicable warrant agreement and warrant. These documents will be included or incorporated by
      reference as exhibits to the registration statement of which this prospectus is a part. You should read the warrant and warrant agreement. You should also read the prospectus supplement, which will contain additional information and which may update
      or change some of the information below.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may issue warrants for the purchase of common stock, preferred stock, depositary shares and/or debt securities in one or more series. If we offer warrants, we will describe
      the terms in a prospectus supplement (and any free writing prospectus). Warrants may be offered independently, together with other securities offered by any prospectus supplement, or through a dividend or other distribution to shareholders and may be
      attached to or separate from other securities. Warrants may be issued under a written warrant agreement to be entered into between us and the holder or beneficial owner, or under a written warrant agreement with a warrant agent specified in a
      prospectus supplement. A warrant agent would act solely as our agent in connection with the warrants of a particular series and would not assume any obligation or relationship of agency or trust for or with any holders or beneficial owners of those
      warrants.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following are some of the terms relating to a series of warrants that could be described in a prospectus supplement:</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">29</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za23f6a499b714231814ab541d1c71a10" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">title of the warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1aed20583dda49a2a3126acb37698475" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">aggregate number of warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zad21cc36e4954a1aa7b989c97df43469" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">price or prices at which the warrants will be issued;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z145a8da8f4eb4921bcb83fdf0a5224b8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">designation, number, aggregate principal amount, denominations and terms of the securities that may be purchased on exercise of the warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zc8468cb567d749f1a3bbe6e03f0f8cfb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">date, if any, on and after which the warrants and the debt securities offered with the warrants, if any, will be separately transferable;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2528e1a46f094e40b9226705956321fb" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">purchase price for each security purchasable on exercise of the warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z776a7b6d4d2c483491ff525471e92a4e" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">dates on which the right to purchase certain securities upon exercise of the warrants will begin and end;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z71d2c87262444818907acf7be7623577" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">minimum or maximum number of securities that may be purchased at any one time upon exercise of the warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2d255b6ae059477899c8f856722c0816" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">anti-dilution provisions or other adjustments to the exercise price of the warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zf663a1f4b7d64f6a84d308d046fd96f6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">terms of any right that we may have to redeem the warrants;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z1bddc27e04bd4556b48c217b525750ff" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">effect of any merger, consolidation, sale or other transfer of our business on the warrants and the applicable warrant agreement;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z782c9906d2564b03bc308f2900c25c47" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">name and address of the warrant agent, if any;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z38135d9e51d646c393b3cfdbce6888fd" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">information with respect to book-entry procedures;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z41b0d73f4b38471488a394a4584bfa6f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">a discussion of material U.S. federal income tax considerations; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z95d186f28fdd4f41b7c8db9e0e9cd9f8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">other material terms, including terms relating to transferability, exchange, exercise or amendments of the warrants.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Until any warrants to purchase our securities are exercised, holders of the warrants will not have any rights of holders of the underlying securities.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF RIGHTS </div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the rights will be contained in the rights agreements we enter into with rights agents. These documents will be included or
      incorporated by reference as exhibits to the registration statement of which this prospectus is a part. You should read the rights agreements and any related documents. You also should read the prospectus supplement, which will contain additional
      information and which may update or change some of the information below.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">This section describes the general terms of the rights to purchase common stock or other securities that we may offer to shareholders using this prospectus. Further terms of the
      rights will be stated in the applicable prospectus supplement. The following description and any description of the rights in a</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">30</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">prospectus supplement may not be complete and is subject to and qualified in its entirety by reference to the terms of any agreement relating to the rights.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Rights may be issued independently or together with any other security and may or may not be transferable. As part of any rights offering, we may enter into a standby
      underwriting or other arrangement under which the underwriters or any other person would purchase any securities that are not purchased in such rights offering. If we issue rights, each series of rights will be issued under a separate rights
      agreement to be entered into between us and a bank or trust company, as rights agent, that will be named in the applicable prospectus supplement. Further terms of the rights will be stated in the applicable prospectus supplement. The rights agent
      will act solely as our agent and will not assume any obligation to any holders of rights certificates or beneficial owners of rights. The rights agreements and rights certificates will be filed with the SEC as an exhibit to the registration statement
      of which this prospectus is a part or as an exhibit to a filing incorporated by reference in the registration statement. See &#8220;Where You Can Find Additional Information&#8221; for information on how to obtain copies of the rights agreements and rights
      certificates.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The prospectus supplement relating to any rights we offer will describe the specific terms of the offering and the rights, including the record date for shareholders entitled to
      the rights distribution, the number of rights issued and the number of shares of common stock or other securities that may be purchased upon exercise of the rights, the exercise price of the rights, the date on which the rights will become effective
      and the date on which the rights will expire, and any applicable U.S. federal income tax considerations.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">In general, a right entitles the holder to purchase for cash a specific number of shares of common stock or other securities at a specified exercise price. The rights are
      normally issued to shareholders as of a specific record date, may be exercised only for a limited period of time and become void following the expiration of such period. If we determine to issue rights, we will accompany this prospectus with a
      prospectus supplement that will describe, among other things:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze337aa4f4e51449d9513c777f0a1ee5d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the record date for shareholders entitled to receive the rights;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5be5f3a5016e4e768cb8ceaefdf768f9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the number of shares of common stock or other securities that may be purchased upon exercise of each right;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8aa8d323287a42b195ebea24dad52aa6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the exercise price of the rights;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4e26add87cde449088073cfd714b13e7" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether the rights are transferable;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z4f5c5500e6ae403cbeee89cbffd6bbd6" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the period during which the rights may be exercised and when they will expire;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze7cac9b9331f483e8b9ab93504d8466f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the steps required to exercise the rights;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2ab2b999058940808efd458b667a5b67" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether the rights include &#8220;oversubscription rights&#8221; so that the holder may purchase more securities if other holders do not purchase their full allotments;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd150d01a3a274dc28eec7a255e93b999" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether we intend to sell the shares of common stock or other securities that are not purchased in the rights offering to an underwriter or other purchaser under a contractual &#8220;standby&#8221;
                commitment or other arrangement;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zd92e663b0bb341ef8af4a91a0679c9ca" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">our ability to withdraw or terminate the rights offering; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z56dde000a26c448f9548e8c818261278" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any material U.S. Federal income tax consequences.</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">31</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If fewer than all of the rights issued in any rights offering are exercised, we may offer any unsubscribed securities directly to persons other than shareholders, to or through
      agents, underwriters or dealers or through a combination of such methods, including pursuant to standby arrangements, as described in the applicable prospectus supplement. After the close of business on the expiration date, all unexercised rights
      will become void.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Prior to the exercise of a holder&#8217;s rights, the holder will not have any of the rights of holders of the securities issuable upon the exercise of the rights and will not be
      entitled to, among other things, vote or receive dividend payments or other distributions on the securities purchasable upon exercise.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF UNITS</div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the units will be contained in the unit agreement and any related document applicable to any units. These documents will be included
      or incorporated by reference as exhibits to the registration statement of which this prospectus is a part. You should read the unit agreement and any related documents. You also should read the prospectus supplement, which will contain additional
      information and which may update or change some of the information below.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may issue units, in one or more series, consisting of any combination of one or more of the other securities described in this prospectus. If we offer units, we will describe
      the terms in a prospectus supplement (and any free writing prospectus). Units may be issued under a written unit agreement to be entered into between us and the holder or beneficial owner, or we could issue units under a written unit agreement with a
      unit agent specified in a prospectus supplement. A unit agent would act solely as our agent in connection with the units of a particular series and would not assume any obligation or relationship of agency or trust for or with any holders or
      beneficial owners of those units.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Each unit will be issued so that the holder of the unit is also the holder of each security included in the unit. Thus, the holder of a unit will have the rights and obligations
      of a holder of each included security.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following are some of the unit terms that could be described in a prospectus supplement:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="ze9a26691ee4d4dd6ab4955c8f59f57f2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">title of the units;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z66843633e2d24804ada07a1585a8fe50" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">aggregate number of units;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5c54b19c384d4f96b73a1db319d0bafe" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">price or prices at which the units will be issued;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9912ed3d6f9f4ce5aec26ab33bd090fc" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">designation and terms of the units and of the securities comprising the units, including whether and under what circumstances those securities may be held or transferred separately;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z0977d0296fe04231bee531ae7d5a96e3" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">effect of any merger, consolidation, sale or other transfer of our business on the units and the applicable unit agreement;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z32506521323643ce91d6ae88190f0a54" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">name and address of the unit agent;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z9e8a3f80227f47f69d0849a2b351fbac" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">information with respect to book-entry procedures;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za0dd91417f094dc0ac567ecaf8c4ed0b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">a discussion of material U.S. federal income tax considerations; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z066d46cb51ca4931972c3172bd714433" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">other material terms, including terms relating to transferability, exchange, exercise or amendments of the units.</div>
            </td>
          </tr>

      </table>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">32</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The provisions described in this section, as well as those described under &#8220;Description of Common Stock,&#8221; &#8220;Description of Preferred Stock,&#8221; &#8220;Description of Debt Securities,&#8221;
      &#8220;Description of Warrants,&#8221; &#8220;Description of Rights&#8221; and &#8220;Description of Purchase Contracts&#8221; will apply to each unit and to any common stock, preferred stock, debt security, warrant, right or purchase contract included in each unit, respectively.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Unless otherwise provided in the applicable prospectus supplement, the unit agreements will be governed by the laws of the State of Indiana. The unit agreement under which a unit
      is issued may provide that the securities included in the unit may not be held or transferred separately, at any time or at any time before a specified date. We will file as an exhibit to a filing with the SEC that is incorporated by reference into
      this prospectus the forms of the unit agreements containing the terms of the units being offered. The description of units in any prospectus supplement will not necessarily describe all of the terms of the units in detail. You should read the
      applicable unit agreements for a complete description of all of the terms.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">DESCRIPTION OF PURCHASE CONTRACTS</div>
    <div style="text-align: justify; text-indent: 39.6pt; margin-bottom: 12pt; font-style: italic;">The complete terms of the purchase contracts will be contained in the contract documents and any related applicable document. These documents will be
      included or incorporated by reference as exhibits to the registration statement of which this prospectus is a part. You should read the purchase contracts and any related document. You should also read the prospectus supplement, which will contain
      additional information and which may update or change some of the information below.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may issue purchase contracts, including purchase contracts issued as part of a unit with one or more other securities, for the purchase or sale of our common stock, preferred
      stock, debt securities or depositary shares. The price of our securities that may be the subject of our purchase contracts may be fixed at the time the purchase contracts are issued or may be determined by reference to a specific formula contained in
      the purchase contracts. We may issue purchase contracts in such amounts and in as many distinct series as we wish.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The applicable prospectus supplement may contain, where applicable, the following information about the purchase contracts issued under it:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z5331c2af5fc54bb4a08deae5215a3729" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether the purchase contracts obligate the holder to purchase or sell, or both purchase and sell, our common stock, preferred stock, debt securities or depositary shares, as applicable,
                and the nature and amount of each of those securities, or method of determining those amounts;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z542a517529864116889358a44ce68dd2" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether the purchase contracts are to be prepaid or not;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb872f691a1784679a02c617986f7da74" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether the purchase contracts are to be settled by delivery, or by reference or linkage to the value, performance or level of our common stock or preferred stock;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2aa38400f95f411bb672e8ef818526c1" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any acceleration, cancellation, termination or other provisions relating to the settlement of the purchase contracts;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z379949ef077e48fe873faf2ab421d919" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">United States federal income tax considerations relevant to the purchase contracts; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="za24931420cb8445da649004b8a6a2177" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">whether the purchase contracts will be issued in fully registered global form.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The applicable prospectus supplement will describe the terms of any purchase contracts. The preceding description and any description of purchase contracts in the applicable
      prospectus supplement does not purport to be complete and is subject to and is qualified in its entirety by reference to the purchase</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">33</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">contract agreement and, if applicable, collateral arrangements and depositary arrangements relating to such purchase contracts.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">PLAN OF DISTRIBUTION</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">We may sell the securities being offered hereby in one or more of the following ways from time to time:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z2fe4ee8658834d2595d5ecbcbf1f7999" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">to underwriters for resale to purchasers;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z85a66821d255419da4b03b3d1d7517b8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">directly to purchasers;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z6bdd7c123ba64453b912d5a216913953" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">through agents or dealers to purchasers; or</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z8e697157f9134f7784625afd3ff8e5a9" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">through a combination of any of these methods.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">In addition, we may enter into derivative or hedging transactions with third parties, or sell securities not covered by this prospectus to third parties in privately negotiated
      transactions. In connection with such a transaction, the third parties may sell securities covered by and pursuant to this prospectus and any accompanying prospectus supplement. If so, the third party may use securities borrowed from us or others to
      settle such sales and may use securities received from us to close out any related short positions. We may also loan or pledge securities covered by this prospectus and any accompanying prospectus supplement to third parties, who may sell the loaned
      securities or, in an event of default in the case of a pledge, sell the pledged securities pursuant to this prospectus and any accompanying prospectus supplement.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We will identify the specific plan of distribution in a prospectus supplement, including:</div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zad592ffc4e474c85a8a72fea2633e50b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the terms of the offering;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zcac77e470d9148d08a227289832b03cf" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the names of the underwriters, dealers, agents or direct purchasers and their compensation;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z001bf156a4854b348b0efb1476251eef" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the purchase price of the securities and the net proceeds we will receive from the sale;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zb752f2997f1b437cb8062a6226fa855b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any delayed delivery obligations to take the securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="zdfbfaa6d2ab54cad8f5d68def66c5971" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">the nature of the underwriters&#8217; obligations to take the securities;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z129962313fb94414861223acff5a0840" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">any securities exchange or market on which the securities may be listed; and</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" id="z09864031304048cc9450b2cea4127e1d" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-bottom: 12pt; width: 100%; text-align: left; color: #000000;">

          <tr>
            <td style="width: 54pt; vertical-align: top; text-align: right;">
              <div style="text-align: left; margin-left: 36pt; margin-bottom: 12pt;">&#8226;</div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: justify; margin-bottom: 12pt;">other facts material to the transaction.</div>
            </td>
          </tr>

      </table>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Underwriters, Dealers and Agents</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If we use underwriters in an offering, we will execute an underwriting agreement with such underwriters and will specify the name of each underwriter and the terms of the
      transaction (including any underwriting discounts and other terms constituting compensation of the underwriters and any dealers) in a prospectus supplement. If we use an underwriting syndicate, the managing underwriter(s) will be specified on the
      cover of the prospectus supplement. If we use underwriters for a sale of securities, the underwriters will acquire the securities for their own accounts. The underwriters may resell the securities from time to time in one or more transactions,
      including negotiated transactions, at a fixed public offering price or at varying prices determined at the time of sale. Any public offering price and any discounts or concessions allowed or re-allowed or paid to dealers may be changed from time to
      time. Unless otherwise set forth in</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">34</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">the prospectus supplement, the obligations of the underwriters to purchase the offered securities will be subject to conditions precedent and the underwriters will be obligated to purchase all of
      the offered securities if any are purchased.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If agents are used in an offering, the names of the agents and the terms of the agency will be specified in a prospectus supplement. Unless otherwise indicated in a prospectus
      supplement, the agents will act on a best-efforts basis for the period of their appointment.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If dealers are used in an offering, we may sell the securities to the dealers as principals. The dealers then may resell the securities to the public at varying prices which they
      determine at the time of resale. The names of the dealers and the terms of the transaction will be specified in a prospectus supplement.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Dealers and agents named in a prospectus supplement may be underwriters as defined in the Securities Act of 1933 and any discounts or commissions they receive from us and any
      profit on their resale of the securities may be treated as underwriting discounts and commissions under the Securities Act of 1933. We will identify in the applicable prospectus supplement any underwriters, dealers or agents and will describe their
      compensation. We may have agreements with the underwriters, dealers and agents to indemnify them against specified civil liabilities, including liabilities under the Securities Act of 1933.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Underwriters, dealers or agents and their associates may engage in other transactions with and perform other services for us in the ordinary course of business.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">If so indicated in a prospectus supplement, we will authorize underwriters or other persons acting as our agents to solicit offers by institutional investors to purchase
      securities pursuant to contracts providing for payment and delivery on a future date. We may enter contracts with commercial and savings banks, insurance companies, pension funds, investment companies, educational and charitable institutions and
      other institutional investors. The obligations of any institutional investor will be subject to the condition that its purchase of the offered securities will not be illegal at the time of delivery. The underwriters and other agents will not be
      responsible for the validity or performance of contracts.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Direct Sales</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may sell securities directly to one or more purchasers without using underwriters or agents</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">At-the-Market Offerings</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We may also sell the securities offered by any applicable prospectus supplement in &#8220;at-the-market offerings&#8221; within the meaning of Rule 415 of the Securities Act of 1933, to or
      through a market maker or into an existing trading market, on an exchange or otherwise.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Trading Markets and Listing of Securities</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Unless otherwise specified in the applicable prospectus supplement, each class or series of securities will be a new issue with no established trading market, other than our
      common shares, which are listed on NASDAQ Global Select Market. We may elect to list any other class or series of securities on any exchange, but we are not obligated to do so. It is possible that one or more underwriters may make a market in a class
      or series of securities, but the underwriters will not be obligated to do so and may discontinue any market making at any time without notice. We cannot give any assurance as to the liquidity of the trading market for any of the securities.</div>
    <div style="margin-bottom: 12pt;"><br>
    </div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">35</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Stabilization Activities</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">In connection with an offering, an underwriter may purchase and sell securities in the open market. These transactions may include short sales, stabilizing transactions and
      purchases to cover positions created by short sales. Short sales involve the sale by the underwriters of a greater number of securities than they are required to purchase in the offering. &#8220;Covered&#8221; short sales are sales made in an amount not greater
      than the underwriters&#8217; option to purchase additional securities, if any, from us in the offering. If the underwriters have an over-allotment option to purchase additional securities from us, the underwriters may close out any covered short position
      by either exercising their over-allotment option or purchasing securities in the open market. In determining the source of securities to close out the covered short position, the underwriters may consider, among other things, the price of securities
      available for purchase in the open market as compared to the price at which they may purchase securities through the over-allotment option. &#8220;Naked&#8221; short sales are any sales in excess of such option or where the underwriters do not have an
      over-allotment option. The underwriters must close out any naked short position by purchasing securities in the open market. A naked short position is more likely to be created if the underwriters are concerned that there may be downward pressure on
      the price of the securities in the open market after pricing that could adversely affect investors who purchase in the offering.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">LEGAL MATTERS</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Unless otherwise indicated in the applicable prospectus supplement, the validity of the securities offered hereby will be passed upon for us by Barnes &amp; Thornburg LLP,
      Indianapolis, Indiana.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">EXPERTS</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Our consolidated financial statements as of December 31, 2023 and 2022, and for each of the years in the three-year period ended December 31, 2023, and management&#8217;s assessment of
      the effectiveness of internal control over financial reporting as of December 31, 2023, included in our Annual Report on Form 10-K for the year ended December 31, 2023, have been incorporated by reference herein and in the registration statement in
      reliance upon the reports of Forvis Mazars, LLP, independent registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts in accounting and auditing.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">WHERE YOU CAN FIND ADDITIONAL INFORMATION</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We file annual, quarterly and other reports, proxy statements and other information with the SEC which can be accessed by the public on the SEC&#8217;s website www.sec.gov.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">We also make available free of charge through our website our Annual Report on Form&#160;10-K, Quarterly Reports on Form&#160;10-Q, Current Reports on Form&#160;8-K, Proxy Statement on
      Schedule&#160;14A and all amendments to those reports as soon as reasonably practicable after such material is electronically filed with or furnished to the SEC. Information about us can be found on the Internet at www.horizonbank.com. Please note that
      our website address is provided as inactive textual reference only. Information contained on or accessible through our website is not part of this prospectus or the prospectus supplement, and is therefore not incorporated by reference unless such
      information is otherwise specifically referenced elsewhere in this prospectus or the prospectus supplement.</div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">INCORPORATION OF CERTAIN DOCUMENTS BY REFERENCE</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The SEC allows us to &#8220;incorporate by reference&#8221; certain information that we file with the SEC into this prospectus. By incorporating by reference, we can disclose important
      information to you by referring you to another document we have filed separately with the SEC. The information incorporated by reference</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">36</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div>
      <div style="line-height: 13.7pt; margin-top: 12pt;">is deemed to be part of this prospectus, except for information incorporated by reference that is superseded by
        information contained in this prospectus or any document we subsequently file with the SEC that is incorporated or deemed to be incorporated by reference into this prospectus. Likewise, any statement in this prospectus or any document which is
        incorporated or deemed to be incorporated by reference herein will be deemed to have been modified or superseded to the extent that any statement contained in any document that we subsequently file with the SEC that is incorporated or deemed to be
        incorporated by reference herein modifies or supersedes that statement. This prospectus incorporates by reference the documents listed below; however, we are not incorporating by reference in this prospectus any material that we &#8220;furnished&#8221; and did
        not &#8220;file&#8221; with the SEC.</div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z61dcf4a638214138914891b9790a665b" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-top: 12pt;">Our Annual Report on Form <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000015/0000706129-24-000015-index.htm">10-K for the fiscal year ended December&#160;31, 2023</a>;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zc1db19d66e624a319105b7045915deff" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-top: 12pt;">Our Definitive <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000017/0000706129-24-000017-index.htm">Proxy Statement on Schedule 14A filed on March 18, 2024</a>, for the Annual Meeting of Shareholders;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z799ef387ddf14ad7b04ecf2d193aa3aa" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-top: 12pt;">Our Quarterly Report on Form 10-Q for the quarters ended <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000070/0000706129-24-000070-index.htm">March 31, 2024</a> and <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000092/0000706129-24-000092-index.htm">June
                    30, 2024</a>;</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z78847f1beebd432d9ec7325488dee070" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-top: 12pt;">Our Current Reports on Form 8-K filed on <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000002/0000706129-24-000002-index.htm">January 16</a>, <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000006/0000706129-24-000006-index.htm">January
                    23</a>, <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000048/0000706129-24-000048-index.htm">May 3</a>, <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000072/0000706129-24-000072-index.htm">May
                    13</a>, <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000081/0000706129-24-000081-index.htm">June 24</a>, <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000085/0000706129-24-000085-index.htm">July
                    17</a>, and <a href="https://www.sec.gov/Archives/edgar/data/706129/000070612924000096/0000706129-24-000096-index.htm">September 18, 2024</a>; and</div>
              </td>
            </tr>

        </table>
      </div>
      <div>
        <table cellspacing="0" cellpadding="0" id="zf3323c32b9ae43e99779ab6432992ce0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; margin-top: 12pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 72pt; vertical-align: top; text-align: right;">
                <div style="text-align: left; margin-left: 36pt; line-height: 13.7pt; margin-top: 12pt;">&#8226;</div>
              </td>
              <td style="width: auto; vertical-align: top;">
                <div style="line-height: 13.7pt; margin-top: 12pt;">The description of our common stock in the <a href="https://www.sec.gov/Archives/edgar/data/706129/000119312521003194/0001193125-21-003194-index.htm">Registration Statement on Amendment No. 1 to Form 8-A</a> filed with the SEC on January 6, 2021, including any amendment or report
                  filed for the purpose of updating that description.</div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-indent: 36pt; line-height: 13.7pt; margin-top: 12pt;">We are also incorporating by reference additional documents that we file with the SEC pursuant to
        Sections 13(a), 13(c), 14 or 15(d) of the Exchange Act from the date of the initial registration statement that contains this prospectus (including prior to the effectiveness of the registration statement) and prior to the sale of all the
        securities covered by this prospectus. Any statement contained in a document that is incorporated by reference will be deemed to be modified or superseded for all purposes to the extent that a statement contained in this document (or in any other
        document that is subsequently filed with the SEC and incorporated by reference) modifies or is contrary to that previous statement.&#160; Notwithstanding the foregoing, unless specifically stated to the contrary, none of the information we disclose
        under Items 2.02 or 7.01 of any Current Report on Form 8-K that we may from time to time furnish to the SEC will be incorporated by reference into, or otherwise included in, this prospectus.</div>
      <div style="text-indent: 36pt; line-height: 13.7pt; margin-top: 12pt;">These documents may be obtained as explained above (see &#8220;Where You Can Find Additional
        Information&#8221;), or you may request a free copy of any or all of these documents, including exhibits that are specifically incorporated by reference into these documents, by writing to or calling us at the following address or telephone number or via
        the Internet at:</div>
      <div style="text-indent: 36pt; line-height: 13.7pt; margin-top: 12pt;"> <br>
      </div>
    </div>
    <div style="text-align: center;">Horizon Bancorp, Inc.</div>
    <div style="text-align: center;">515 Franklin Street</div>
    <div style="text-align: center;">Michigan City, Indiana 46360</div>
    <div style="text-align: center;">Attn: Shareholder Relations</div>
    <div style="text-align: center;">(219) 879-0211</div>
    <div style="text-align: center;">Website: <font style="font-style: italic;">www.horizonbank.com</font></div>
    <div><br>
    </div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt; font-weight: bold;">You should rely only on the information in our prospectus, any applicable prospectus supplement, any related free writing prospectus and the documents that are
      incorporated by reference. We have not authorized anyone else to provide you with different information. We are not offering these securities in any state where the offer is prohibited by law. You should not assume that the information in this
      prospectus, any applicable prospectus supplement, any related free writing prospectus or any incorporated document is accurate as of any date other than the date of the document.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-size: 8pt; font-weight: normal; font-style: normal;" class="BRPFPageNumber">37</font></div>
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">PART II<br>
      INFORMATION NOT REQUIRED IN PROSPECTUS</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Item&#160;14. Other Expenses of Issuance and Distribution.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The following table itemizes the expenses incurred, or expected to be incurred, by the Registrant in connection with the registration and issuance of the securities being
      registered hereunder. As indicated below, all amounts shown are estimates except for the SEC registration fee.</div>
    <table cellspacing="0" cellpadding="0" id="z78652023fff34b259fe6bb240f1d5b67" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>SEC Registration Fee</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">36,900</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">
            <div>&#160;&#160;*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Printing Expenses</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Accounting Fees and Expenses</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Legal Fees and Expenses</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Rating Agency Fees and Expenses</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Transfer Agent Fees and Expenses</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Trustee Fees and Expenses</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>Miscellaneous</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);">
            <div>&#160;</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom; border-top: 2px solid rgb(0, 0, 0);">&#160;</td>
          <td style="width: 3.64%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
        </tr>
        <tr>
          <td style="width: 85.25%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div>Total</div>
          </td>
          <td style="width: 0.98%; vertical-align: bottom;">
            <div>&#160;</div>
          </td>
          <td style="width: 1.36%; vertical-align: bottom;">
            <div>$</div>
          </td>
          <td style="width: 8.78%; vertical-align: bottom;">
            <div style="text-align: right;">**</div>
          </td>
          <td style="width: 3.64%; vertical-align: bottom;">&#160;</td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="za9fc2b61b41045b6976dfaefd9e87895" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt; margin-top: 6pt;">

        <tr>
          <td style="width: 13.5pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;">*</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>See the Filing Fee Table attached as Exhibit 107 to this registration statement.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z80a4b44b934244309532082d9d2f5cea" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 13.7pt;"><br>
          </td>
          <td style="width: 18pt; vertical-align: top;">**</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Fees and expenses (other than the SEC Registration Fee to be paid upon filing of this registration statement) will depend on the securities offered, the number of issuances and the nature of offerings, and cannot be estimated at this time.</div>
          </td>
        </tr>

    </table>
    <div style="margin-bottom: 12pt; font-weight: bold;">Item&#160;15. Indemnification of Directors and Officers.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Horizon Bancorp, Inc. is an Indiana corporation. Horizon&#8217;s officers and directors (and those who have agreed to such positions) are entitled to be indemnified under Indiana law
      and our Articles of Incorporation against certain liabilities and expenses. Chapter 37 of The Indiana Business Company Law (the &#8220;IBCL&#8221;) requires a corporation, unless its articles of incorporation provide otherwise, to indemnify a director or an
      officer of the corporation who is wholly successful, on the merits or otherwise, in the defense of any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative and whether formal or
      informal, against reasonable expenses, including counsel fees, incurred in connection with the proceeding. The IBCL also permits a corporation to indemnify a director or an officer who is made a party to a proceeding because the individual was a
      director or an officer of the corporation against liability incurred in the proceeding if the individual&#8217;s conduct was in good faith and the individual reasonably believed, in the case of conduct in the individual&#8217;s official capacity with the
      corporation, that the conduct was in the corporation&#8217;s best interests, and in all other cases, that the individual&#8217;s conduct was at least not opposed to the corporation&#8217;s best interests. In a criminal proceeding, the individual must also either have
      had reasonable cause to believe the individual&#8217;s conduct was lawful or no reasonable cause to believe the individual&#8217;s conduct was unlawful. The IBCL also permits a corporation to pay for or reimburse reasonable expenses incurred before the final
      disposition of a proceeding and permits a court of competent jurisdiction to order a corporation to indemnify a director or officer if the court determines that the person is fairly and reasonably entitled to indemnification in view of all the
      relevant circumstances, whether or not the person met the standards for indemnification otherwise provided in the IBCL.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Horizon&#8217;s Articles of Incorporation provide for mandatory indemnification of officers and directors (and those who have agreed to such positions) if they are wholly successful on
      the merits of a proceeding and satisfy the standards of conduct specified by the IBCL set forth in the preceding paragraph. The Articles</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div><br>
    </div>
    <div style="text-align: justify; margin-bottom: 12pt;">of Incorporation also provide that any director or officer of Horizon or any person who is serving at the request of Horizon as a director or officer of another entity shall be indemnified and held
      harmless by Horizon to the same extent as Horizon&#8217;s directors and officers. In any proceeding, an officer or director is entitled to be indemnified against all liabilities and expenses related to the proceeding including attorneys&#8217; fees, judgments,
      fines, penalties and amounts paid or to be paid in settlement. Horizon&#8217;s Articles of Incorporation also provide such persons with certain rights to be paid or reimbursed for expenses incurred in defending any such proceeding in advance of the final
      disposition. The Articles of Incorporation also provide that Horizon has the discretion to indemnify employees and agents to the same extent, and on the same basis, as it is required to indemnify its officers and directors.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The Articles of Incorporation also authorize Horizon to maintain insurance to protect itself and any director, officer, employee or agent of Horizon against expense, liability or
      loss, whether or not Horizon would have the power to indemnify such person against such expense, liability or loss under the IBCL or pursuant to its Articles of Incorporation. Horizon currently maintains such insurance.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">Any underwriting agreement that we might enter into (Exhibit 1.1) will provide for indemnification by any underwriters of us, our directors, our officers who sign the
      registration statement and our controlling persons for some liabilities, including liabilities arising under the Securities Act.</div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Item&#160;16. Exhibits.</div>
    <table cellspacing="0" cellpadding="0" id="z7e29ac2329d54ab293d24af1a296d19b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="font-weight: bold;">Number</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div style="font-weight: bold;">&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; font-weight: bold;">Description</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;1.1</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Underwriting Agreement*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.1</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Amended and Restated Articles of Incorporation of Horizon Bancorp, Inc. (incorporated by reference to Exhibit 3.1 of Horizon&#8217;s Current Report on Form 8-K filed with the Securities and
              Exchange Commission on May 16, 2018).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.2</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Amended and Restated Bylaws of Horizon Bancorp, Inc. (incorporated by reference to Exhibit 3.2 of Horizon&#8217;s Current Report on Form 8-K filed with the Securities and Exchange Commission on
              December 20, 2022).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.3</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Specimen certificate for shares of the Registrant&#8217;s common stock (incorporated by reference to Exhibit 4.1 of Horizon&#8217;s Registration Statement on Form S-3 filed with the Securities and
              Exchange Commission on January 27, 2012).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.4</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Certificate of Designations Creating New Series of Preferred Stock*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.5</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Specimen Certificate for Preferred Stock*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.6</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Senior Debt Security*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.7</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Subordinated Debt Security*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.8</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Depositary Agreement and Depositary Receipt*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.9</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Senior Indenture**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="text-indent: -4.5pt; margin-left: 4.5pt; font-family: 'Times New Roman'; font-weight: normal;">&#160;4.10</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">&#160;</td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Subordinated Indenture**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.11</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Warrant*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.12</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">&#160;</td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Rights Agreement*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.13</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Unit Agreement*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;4.14</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form of Purchase Contract*</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">&#160;5.1</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Opinion of Barnes &amp; Thornburg LLP as to the validity of the securities registered hereunder.**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">23.1</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Consent of Forvis Mazars, LLP (formerly FORVIS, LLP)**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">23.2</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Consent of Barnes &amp; Thornburg LLP (included in Exhibit 5.1)**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">24.1</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">
            <div>&#160;</div>
          </td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Limited Power of Attorney**</div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">25.1</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">&#160;</td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form T-1 Statement of Eligibility of Trustee under the Senior Indenture<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">+</sup></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">25.2</div>
          </td>
          <td style="width: 2.01%; vertical-align: top;">&#160;</td>
          <td style="width: 86.58%; vertical-align: top;">
            <div style="text-align: justify; margin-right: 5.05pt;">Form T-1 Statement of Eligibility of Trustee under the Subordinated Indenture<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">+</sup></div>
          </td>
        </tr>
        <tr>
          <td style="width: 11.41%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="font-family: 'Times New Roman'; font-weight: normal;">107</div>
          </td>
          <td style="width: 2.01%; vertical-align: top; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 86.58%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: justify; margin-right: 5.05pt;">Filing Fee Table**</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z4d3b0a7184344f2d984dc32276717eb8" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt; margin-top: 6pt;">

        <tr>
          <td style="width: 18pt; vertical-align: top;">*</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>If applicable, to be filed by an amendment to this registration statement or by a Current Report on Form 8-K and incorporated by reference herein.</div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z1b8770f36a33477b8b495db8985bc57f" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 6pt;">

        <tr>
          <td style="width: 18pt; vertical-align: top;">**</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Previously filed.<br>
            </div>
          </td>
        </tr>

    </table>
    <table cellspacing="0" cellpadding="0" id="z9b2f20837c9f43518ee54792a248a325" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 12pt;">

        <tr>
          <td style="width: 18pt; vertical-align: top;">+</td>
          <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>To be filed separately under the electronic form type &#8220;305B2&#8221; pursuant to Section 305(b)(2) of the Trust Indenture Act of 1939, as amended, if applicable.</div>
          </td>
        </tr>

    </table>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div class="BRPFPageBreak" style="page-break-after: always;">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
    <div style="margin-bottom: 12pt; font-weight: bold;">Item&#160;17. Undertakings.</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 12pt;">The undersigned Registrant hereby undertakes:</div>
    <div style="margin-bottom: 12pt; text-indent: 36pt;">(1)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>To file, during any period in which offers or sales are being made, a
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    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(i)&#160;&#160;&#160;To include any prospectus required by Section&#160;10(a)(3) of the Securities Act of 1933;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(ii)&#160;&#160;&#160;To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective
      amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the
      total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the SEC pursuant to
      Rule&#160;424(b) if, in the aggregate, the changes in volume and price represent no more than 20% change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement; and</div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(iii)&#160;&#160;&#160;To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material
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    <div style="text-align: justify; margin-left: 36pt; margin-bottom: 6pt;"><font style="font-style: italic;">Provided, however</font>, that paragraphs (1)(i), (1)(ii)&#160;and (1)(iii)&#160;above do not apply if the information required to be included in a
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      registration statement, or is contained in a form of prospectus filed pursuant to Rule 424(b) that is part of the registration statement.</div>
    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div style="margin-bottom: 12pt; text-indent: 36pt;">(2)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, for the purpose of determining any liability under the Securities Act of
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    <div style="margin-bottom: 12pt; text-indent: 36pt;">(3)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>To remove from registration by means of a post-effective amendment any of the
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    <div style="margin-bottom: 12pt; text-indent: 36pt;">(4)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, for the purpose of determining liability under the Securities Act of 1933
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    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(i)&#160;&#160;&#160;Each prospectus filed by the Registrant pursuant to Rule 424(b)(3) shall be deemed to be part of the registration statement as of the date the filed
      prospectus was deemed part of and included in the registration statement; and</div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(ii)&#160;&#160;&#160;Each prospectus required to be filed pursuant to Rule 424(b)(2), (b)(5), or (b)(7) as part of a registration statement in reliance on Rule 430B relating
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      earlier of the date such form of prospectus is first used after effectiveness or the date of the first contract of sale of securities in the offering described in the prospectus. As provided in Rule 430B, for liability purposes of the issuer and any
      person that is at that date an underwriter, such date shall be deemed to be a new effective date of the registration statement relating to the securities in the registration statement to which that prospectus relates, and the offering of such
      securities at that time shall be deemed to be the initial<font style="font-style: italic;"> bona fide</font> offering thereof. <font style="font-style: italic;">Provided, however</font>, that no statement made in a registration statement or
      prospectus that is part of the registration statement or made in a document incorporated or deemed incorporated by reference into the registration statement or prospectus that is part of the registration statement will, as to a purchaser with a time
      of contract of sale prior to such effective date, supersede or modify any statement that was made in the registration statement or prospectus that was part of the registration statement or made in any such document immediately prior to such effective
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    <div style="margin-bottom: 12pt; text-indent: 36pt;">(5)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, for the purpose of determining liability of the Registrant under the
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    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">The undersigned Registrant undertakes that in a primary offering of securities of the undersigned Registrant pursuant to this registration statement, regardless of the
      underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned Registrant will be a seller to the purchaser and will be
      considered to offer or sell such securities to such purchaser:</div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(i)&#160;&#160;&#160;Any preliminary prospectus or prospectus of the undersigned Registrant relating to the offering required to be filed pursuant to Rule 424;</div>
    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(ii)&#160;&#160;&#160;Any free writing prospectus relating to the offering prepared by or on behalf of the undersigned Registrant or used or referred to by the undersigned
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    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(iii)&#160;&#160;&#160;The portion of any other free writing prospectus relating to the offering containing material information about the undersigned Registrant or its
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    <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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    <div style="text-align: justify; text-indent: 36pt; margin-left: 36pt; margin-bottom: 12pt;">(iv)&#160;&#160;&#160;Any other communication that is an offer in the offering made by the undersigned Registrant to the purchaser.</div>
    <div style="margin-bottom: 12pt; text-indent: 36pt;">(6)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, for purposes of determining any liability under the Securities Act of
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    <div style="margin-bottom: 12pt; text-indent: 36pt;">(7)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>That, insofar as indemnification for liabilities arising under the Securities
      Act of 1933 may be permitted to directors, officers and controlling persons of the Registrant pursuant to the foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the SEC such indemnification is against public
      policy as expressed in the Securities Act of 1933 and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the Registrant of expenses incurred or paid by a director, officer,
      or controlling person of the Registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the Registrant will, unless in the
      opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act of 1933 and will be
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    <div style="margin-bottom: 12pt; text-indent: 36pt;">(8)<font class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 36pt">&#160;</font>To file an application for the purpose of determining the eligibility of the
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      <div class="BRPFPageBreak" style="page-break-after: always;">
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    <div style="text-align: center; margin-bottom: 12pt; font-weight: bold;">SIGNATURES</div>
    <div style="text-align: justify; text-indent: 36pt; margin-bottom: 6pt;">Pursuant to the requirements of the Securities Act of 1933, as amended, the Registrant certifies that it has reasonable grounds to believe that it meets all of the requirements
      for filing on Form S-3 and has duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Michigan City, State of Indiana, on this 30th day of September, 2024.</div>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
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          <td style="width: 50%; vertical-align: top;">&#160;</td>
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    <div style="text-align: justify; text-indent: 36pt; margin-top: 12pt; margin-bottom: 6pt;">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been signed by the following persons in the capacities and on the
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
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          <td style="width: 25%; vertical-align: top;">&#160;</td>
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
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          <td style="width: 24%; vertical-align: top;">
            <div style="text-align: center;">September 30, 2024</div>
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top;">
            <div style="text-align: center;">September 30, 2024</div>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top; text-align: center;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top; text-align: center;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top;">
            <div style="text-align: center;">September 30, 2024</div>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top; text-align: center;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top; text-align: center;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
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          <td style="width: 25%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top; text-align: center;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 25%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 42%; vertical-align: top;">&#160;</td>
          <td style="width: 3%; vertical-align: top;">&#160;</td>
          <td style="width: 24%; vertical-align: top; text-align: center;">&#160;</td>
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          <td style="width: 3%; vertical-align: top;">&#160;</td>
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          <td style="width: 42%; vertical-align: top;">&#160;</td>
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          <td style="width: 42%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 3%; vertical-align: top;" rowspan="1">&#160;</td>
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          <td style="width: 42%; vertical-align: top; padding-bottom: 2px;" rowspan="1">&#160;</td>
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          <td style="width: 3%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 42%; vertical-align: top;" rowspan="1">&#160;</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
