<SEC-DOCUMENT>0001144204-13-016330.txt : 20130320
<SEC-HEADER>0001144204-13-016330.hdr.sgml : 20130320
<ACCEPTANCE-DATETIME>20130320140114
ACCESSION NUMBER:		0001144204-13-016330
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20130318
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20130320
DATE AS OF CHANGE:		20130320

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST FINANCIAL CORP /IN/
		CENTRAL INDEX KEY:			0000714562
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351546989
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16759
		FILM NUMBER:		13704413

	BUSINESS ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807
		BUSINESS PHONE:		(812) 238-6000

	MAIL ADDRESS:	
		STREET 1:		ONE FIRST FINANCIAL PLAZA
		CITY:			TERRE HAUTE
		STATE:			IN
		ZIP:			47807

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	TERRE HAUTE FIRST CORP
		DATE OF NAME CHANGE:	19850808
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v338771_8k.htm
<DESCRIPTION>8-K
<TEXT>
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<P STYLE="margin: 0">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>WASHINGTON, DC 20549</B></P>

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

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

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

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of report (Date of earliest event reported):
March 18, 2013</P>

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

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

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

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FIRST FINANCIAL CORPORATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
its charter)</P>

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

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

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

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    <TD NOWRAP STYLE="width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Indiana</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or other jurisdiction of incorporation)</P></TD>
    <TD NOWRAP STYLE="width: 34%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">000-16759</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Commission File Number)</P></TD>
    <TD NOWRAP STYLE="width: 33%">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">35-1546989</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(IRS Employer Identification No.)</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Terre Haute, Indiana 47807</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Address of Principal Executive Offices,
including Zip Code)</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(812) 238-6000</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Registrant&rsquo;s Telephone Number, Including
Area Code)</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2 below):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font: 10pt Wingdings">&uml;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Written communications pursuant to Rule 425 under the Securities Act</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font: 10pt Wingdings">&uml;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Soliciting material pursuant to Rule 14a-12 under the Exchange Act</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font: 10pt Wingdings">&uml;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.5in"><FONT STYLE="font: 10pt Wingdings">&uml;</FONT></TD><TD><FONT STYLE="font-size: 10pt">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act</FONT></TD></TR></TABLE>

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

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

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item&nbsp;1.01 Entry Into a Material Definitive Agreement.
</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On March 18, 2013, First Financial Bank, National Association
(&ldquo;First Financial Bank&rdquo;), a wholly-owned subsidiary of First Financial Corporation (the &ldquo;Corporation&rdquo;),
entered into a Purchase and Assumption Agreement (the &ldquo;Agreement&rdquo;) with Bank of America, National Association (&ldquo;Bank
of America&rdquo;). Under the terms of the Agreement, First Financial Bank will purchase certain assets and assume certain liabilities
(the &ldquo;Transaction&rdquo;) of 7 branch offices and 2 drive-up facilities of Bank of America in central and southern Illinois
(collectively, the &ldquo;Branches&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the terms of the Agreement, First Financial Bank
has agreed to assume approximately $250 million in deposit liabilities and to acquire approximately $2.3 million of loans, as well
as real property, furniture, and other fixed operating assets associated with the Branches.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The completion of the Transaction is subject to regulatory approval
required by the Office of the Comptroller of the Currency and customary closing conditions. Subject to the satisfaction of such
conditions, First Financial Bank and Bank of America expect to close the Transaction in the third quarter of 2013. First Financial
Bank anticipates that it will be offering employment to all current employees of Bank of America located at the Branches, subject
to standard background screening.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Financial Bank and Bank of America made customary representations,
warranties, and covenants in the Agreement. First Financial Bank and Bank of America have also agreed to indemnify each other (subject
to customary limitations) with respect to the Transaction, including for breaches of representations and warranties, breaches of
covenants, liabilities not retained or assumed, and conduct of the business of the Branches and operation and use of the purchased
assets during certain time periods.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The purchase price in the Transaction will be computed as the
sum of the: (i)&nbsp;average daily closing balance of the deposits for the thirty (30)&nbsp;day period prior to the closing multiplied
by 2.75%; (ii)&nbsp;net book value of the loans assumed at closing, plus accrued interest; and (iii)&nbsp;aggregate net book value
of all of the other assets being acquired.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The foregoing description of the Agreement and the transactions
contemplated thereby does not purport to be complete and is qualified in its entirety by reference to the Agreement, which is attached
as Exhibit 2.1 hereto, and is incorporated into this report by reference.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item&nbsp;7.01 Regulation FD Disclosure </B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On March 19, 2013, the Corporation issued a press release announcing
the execution of the Agreement. A copy of the press release is attached as Exhibit&nbsp;99.1.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In accordance with general instruction B.2 of Form 8-K, the
information in this report (including exhibits) that is being furnished pursuant to Item 7.01 of Form 8-K shall not be deemed to
be &ldquo;filed&rdquo; for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject
to liabilities of that section, nor is it to be deemed incorporated by reference in any filing under the Securities Act of 1933,
as amended, except as expressly set forth in such filing. This report will not be deemed an admission as to the materiality of
any information in the report that is required to be disclosed solely by Regulation FD.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Item&nbsp;9.01. Financial Statements and Exhibits. </B></P>

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
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    <TD NOWRAP STYLE="width: 11%; border-bottom: Black 1pt solid">Exhibit&nbsp;No.</TD>
    <TD STYLE="width: 1%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 88%; border-bottom: Black 1pt solid">Description</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.1</TD>
    <TD>&nbsp;</TD>
    <TD>Purchase and Assumption Agreement, dated as of March 18, 2013, between First Financial Bank, National Association and Bank of America, National Association. (Pursuant to Item 601(b)(2) of Regulation S-K, the schedules and exhibits to the Purchase and Assumption Agreement have been omitted and First Financial Corporation agrees to furnish supplementally a copy of any such omitted schedule or exhibit to the Securities and Exchange Commission upon request.)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>&nbsp;</TD>
    <TD>Press Release issued by First Financial Corporation on March 19, 2013.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the requirements of the Securities Exchange Act
of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Date: March 19, 2013</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2"><B>FIRST FINANCIAL CORPORATION</B></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</TD>
    <TD STYLE="width: 3%">&nbsp;</TD>
    <TD STYLE="width: 47%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="padding-bottom: 1pt">By:&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Rodger A. McHargue</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Rodger A. McHargue</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD><I>Secretary and Chief Financial Officer</I></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">&nbsp;</P>


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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD NOWRAP STYLE="width: 11%; border-bottom: Black 1pt solid">Exhibit&nbsp;No.</TD>
    <TD STYLE="width: 1%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 88%; border-bottom: Black 1pt solid">Description</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>2.1</TD>
    <TD>&nbsp;</TD>
    <TD>Purchase and Assumption Agreement dated March 18, 2013 between First Financial Bank, National Association and Bank of America, National Association.&nbsp;&nbsp;(Pursuant to Item 601(b)(2) of Regulation S-K, the schedules and exhibits to the Purchase and Assumption Agreement have been omitted and First Financial Corporation agrees to furnish supplementally a copy of any such omitted schedule or exhibit to the Securities and Exchange Commission upon request.)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>&nbsp;</TD>
    <TD>Press Release issued by First Financial Corporation on March 19, 2013.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>


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<DESCRIPTION>EXHIBIT 2.1
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B><U>Exhibit 2.1</U></B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">PURCHASE AND ASSUMPTION AGREEMENT</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">March 18, 2013</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">BANK OF AMERICA, NATIONAL ASSOCIATION</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">FIRST FINANCIAL BANK, NATIONAL ASSOCIATION</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1.25in; text-transform: uppercase; text-align: center"><U>TABLE
OF CONTENTS</U></P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 84%; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 8%; vertical-align: bottom; text-align: right; border-bottom: Black 1pt solid">Page</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">CERTAIN DEFINITIONS</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">1.1</TD>
    <TD STYLE="text-align: left">Certain Definitions</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">1</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">1.2</TD>
    <TD STYLE="text-align: left">Accounting Terms</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">12</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 2</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">THE P&amp;A TRANSACTION</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">2.1</TD>
    <TD STYLE="text-align: left">Purchase and Sale of Assets</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">12</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">2.2</TD>
    <TD STYLE="text-align: left">Assumption of Liabilities</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">13</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">2.3</TD>
    <TD STYLE="text-align: left">Purchase Price</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">14</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">2.4</TD>
    <TD STYLE="text-align: left">Assumption of IRA and Keogh Account Deposits</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">14</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">2.5</TD>
    <TD STYLE="text-align: left">Sale and Transfer of Servicing</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">15</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 3</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">CLOSING PROCEDURES; ADJUSTMENTS</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">3.1</TD>
    <TD STYLE="text-align: left">Closing</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">17</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">3.2</TD>
    <TD STYLE="text-align: left">Payment at Closing</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">3.3</TD>
    <TD STYLE="text-align: left">Adjustment of Purchase Price</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">18</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">3.4</TD>
    <TD STYLE="text-align: left">Proration; Other Closing Date Adjustments</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">3.5</TD>
    <TD STYLE="text-align: left">Seller Deliveries</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">19</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">3.6</TD>
    <TD STYLE="text-align: left">Purchaser Deliveries</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">20</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">3.7</TD>
    <TD STYLE="text-align: left">Delivery of the Loan Documents</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">3.8</TD>
    <TD STYLE="text-align: left">Owned Real Property Filings</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">21</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">3.9</TD>
    <TD STYLE="text-align: left">Allocation of Purchase Price</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 4</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">TRANSITIONAL MATTERS</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">4.1</TD>
    <TD STYLE="text-align: left">Transitional Arrangements</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">22</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">4.2</TD>
    <TD STYLE="text-align: left">Customers</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">23</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">4.3</TD>
    <TD STYLE="text-align: left">Direct Deposits</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">24</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">4.4</TD>
    <TD STYLE="text-align: left">Direct Debits</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">25</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">4.5</TD>
    <TD STYLE="text-align: left">Access to Records</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">25</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">4.6</TD>
    <TD STYLE="text-align: left">Interest Reporting and Withholding</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">26</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">4.7</TD>
    <TD STYLE="text-align: left">Negotiable Instruments</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">26</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">4.8</TD>
    <TD STYLE="text-align: left">ATM/Debit Cards; POS Cards</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">4.9</TD>
    <TD STYLE="text-align: left">Data Processing Conversion for the Branches and Handling of Certain Items</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">27</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">4.10</TD>
    <TD STYLE="text-align: left">Employee Training</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">29</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">4.11</TD>
    <TD STYLE="text-align: left">Night Drop Equipment</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">29</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">4.12</TD>
    <TD STYLE="text-align: left">Expenses Relating to Transitional Matters</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">29</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>


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<TR>
    <TD STYLE="vertical-align: top; width: 8%; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 84%; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 8%; text-align: right; border-bottom: Black 1pt solid">Page</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">4.13</TD>
    <TD STYLE="vertical-align: top; text-align: left">Access to the Branches on the Closing Date</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">29</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 5</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">REPRESENTATIONS AND WARRANTIES OF SELLER</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.1</TD>
    <TD STYLE="vertical-align: top; text-align: left">Corporate Organization and Authority</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">30</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.2</TD>
    <TD STYLE="vertical-align: top; text-align: left">No Conflicts</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">30</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.3</TD>
    <TD STYLE="vertical-align: top; text-align: left">Approvals and Consents</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">31</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.4</TD>
    <TD STYLE="vertical-align: top; text-align: left">Leases</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">31</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.5</TD>
    <TD STYLE="vertical-align: top; text-align: left">Litigation and Undisclosed Liabilities</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">31</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.6</TD>
    <TD STYLE="vertical-align: top; text-align: left">Regulatory Matters</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">31</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.7</TD>
    <TD STYLE="vertical-align: top; text-align: left">Compliance with Laws</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">32</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.8</TD>
    <TD STYLE="vertical-align: top; text-align: left">Loans</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">32</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.9</TD>
    <TD STYLE="vertical-align: top; text-align: left">Records</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">33</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.10</TD>
    <TD STYLE="vertical-align: top; text-align: left">Title to Assets</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">33</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.11</TD>
    <TD STYLE="vertical-align: top; text-align: left">Deposits</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">34</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.12</TD>
    <TD STYLE="vertical-align: top; text-align: left">Environmental Laws; Hazardous Substances</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">34</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.13</TD>
    <TD STYLE="vertical-align: top; text-align: left">Brokers&rsquo; Fees</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">34</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.14</TD>
    <TD STYLE="vertical-align: top; text-align: left">Property</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">35</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.15</TD>
    <TD STYLE="vertical-align: top; text-align: left">Absence of Certain Changes</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">35</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.16</TD>
    <TD STYLE="vertical-align: top; text-align: left">Employee Benefit Plans; Labor Matters</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">36</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">5.17</TD>
    <TD STYLE="vertical-align: top; text-align: left">Available Funds</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">36</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">5.18</TD>
    <TD STYLE="vertical-align: top; text-align: left">Limitations on Representations and Warranties</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">36</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 6</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">REPRESENTATIONS AND WARRANTIES OF PURCHASER</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">6.1</TD>
    <TD STYLE="vertical-align: top; text-align: left">Corporate Organization and Authority</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">37</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">6.2</TD>
    <TD STYLE="vertical-align: top; text-align: left">No Conflicts</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">37</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">6.3</TD>
    <TD STYLE="vertical-align: top; text-align: left">Approvals and Consents</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">37</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">6.4</TD>
    <TD STYLE="vertical-align: top; text-align: left">Regulatory Matters</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">37</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">6.5</TD>
    <TD STYLE="vertical-align: top; text-align: left">Litigation and Undisclosed Liabilities</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">38</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">6.7</TD>
    <TD STYLE="vertical-align: top; text-align: left">Brokers&rsquo; Fees</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">38</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">6.8</TD>
    <TD STYLE="vertical-align: top; text-align: left">Financing to be Available</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">39</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">6.9</TD>
    <TD STYLE="vertical-align: top; text-align: left">Limitations on Representations and Warranties</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">39</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 7</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">COVENANTS OF THE PARTIES</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: top; text-align: left">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">7.1</TD>
    <TD STYLE="vertical-align: top; text-align: left">Activity in the Ordinary Course</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">39</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">7.2</TD>
    <TD STYLE="vertical-align: top; text-align: left">Access and Confidentiality</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">41</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">7.3</TD>
    <TD STYLE="vertical-align: top; text-align: left">Regulatory Approvals</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">42</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top; text-align: left">7.4</TD>
    <TD STYLE="vertical-align: top; text-align: left">Consents</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">43</TD></TR>
<TR STYLE="background-color: rgb(204,255,204)">
    <TD STYLE="vertical-align: top; text-align: left">7.5</TD>
    <TD STYLE="vertical-align: top; text-align: left">Efforts to Consummate; Further Assurances</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">43</TD></TR>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 84%; text-align: center; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 8%; text-align: right; vertical-align: bottom; border-bottom: Black 1pt solid">Page</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">7.6</TD>
    <TD STYLE="text-align: left">Solicitation of Accounts; Non-Solicitation</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">44</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">7.7</TD>
    <TD STYLE="text-align: left">Insurance</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">45</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">7.8</TD>
    <TD STYLE="text-align: left">Servicing Prior to Closing Date</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">45</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">7.9</TD>
    <TD STYLE="text-align: left">Change of Name, Etc</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">46</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 8</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">TAXES AND EMPLOYEE BENEFITS</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">8.1</TD>
    <TD STYLE="text-align: left">Proration of Taxes</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">46</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">8.2</TD>
    <TD STYLE="text-align: left">Sales and Transfer Taxes</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">47</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">8.3</TD>
    <TD STYLE="text-align: left">Information Returns</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">47</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">8.4</TD>
    <TD STYLE="text-align: left">Payment of Amount Due under Article 8</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">47</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">8.5</TD>
    <TD STYLE="text-align: left">Assistance and Cooperation</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">47</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">8.6</TD>
    <TD STYLE="text-align: left">Transferred Employees</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">48</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 9</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">CONDITIONS TO CLOSING</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">9.1</TD>
    <TD STYLE="text-align: left">Conditions to Obligations of Purchaser</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">51</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">9.2</TD>
    <TD STYLE="text-align: left">Conditions to Obligations of Seller</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">52</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 10</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">TERMINATION</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">10.1</TD>
    <TD STYLE="text-align: left">Termination</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">53</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">10.2</TD>
    <TD STYLE="text-align: left">Effect of Termination</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">54</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 11</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">INDEMNIFICATION</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">11.1</TD>
    <TD STYLE="text-align: left">Indemnification</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">54</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">11.2</TD>
    <TD STYLE="text-align: left">Exclusivity</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">57</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">11.3</TD>
    <TD STYLE="text-align: left">AS-IS Sale; Waiver of Warranties</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">57</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">ARTICLE 12</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD COLSPAN="3" STYLE="text-align: center">MISCELLANEOUS</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.1</TD>
    <TD STYLE="text-align: left">Survival</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">58</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.2</TD>
    <TD STYLE="text-align: left">Assignment</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">58</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.3</TD>
    <TD STYLE="text-align: left">Binding Effect</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">58</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.4</TD>
    <TD STYLE="text-align: left">Public Notice</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">58</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.5</TD>
    <TD STYLE="text-align: left">Notices</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">58</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.6</TD>
    <TD STYLE="text-align: left">Expenses</TD>
    <TD STYLE="text-align: right; vertical-align: bottom">59</TD></TR>
</TABLE>
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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 84%; text-align: left; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="text-align: right; width: 8%; border-bottom: Black 1pt solid">Page</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.7</TD>
    <TD STYLE="text-align: left">Governing Law; Consent to Jurisdiction</TD>
    <TD STYLE="text-align: right">59</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.8</TD>
    <TD STYLE="text-align: left">Waiver of Jury Trial</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.9</TD>
    <TD STYLE="text-align: left">Entire Agreement; Amendment</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.10</TD>
    <TD STYLE="text-align: left">Third Party Beneficiaries</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.11</TD>
    <TD STYLE="text-align: left">Counterparts</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.12</TD>
    <TD STYLE="text-align: left">Headings</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.13</TD>
    <TD STYLE="text-align: left">Severability</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="text-align: left">12.14</TD>
    <TD STYLE="text-align: left">Interpretation</TD>
    <TD STYLE="text-align: right">60</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,255,204)">
    <TD STYLE="text-align: left">12.15</TD>
    <TD STYLE="text-align: left">Specific Performance</TD>
    <TD STYLE="text-align: right">61</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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


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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 20%">Exhibit 1.1(a)</TD>
    <TD STYLE="width: 80%">Assumed Contracts</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(b)</TD>
    <TD>Branches/Real Properties</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(c)</TD>
    <TD>Deposits</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(d)</TD>
    <TD>Equipment Leases</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(e)(i)</TD>
    <TD>Excluded Brokered Deposits</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(e)(iii)</TD>
    <TD>Excluded Affinity Relationships and Reward Programs</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(f)</TD>
    <TD>Loans</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(g)</TD>
    <TD>Personal Property</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 1.1(h)</TD>
    <TD>Seller&rsquo;s Knowledge</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 2.1.4</TD>
    <TD>Branch Lease Agreement Term Sheet</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 2.4(c)</TD>
    <TD>Excluded IRA/Keogh Account Deposits</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(a)</TD>
    <TD>Form of Deed</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(b)</TD>
    <TD>Form of Bill of Sale</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(c)</TD>
    <TD>Form of Assignment and Assumption Agreement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(d)</TD>
    <TD>Form of Assignment of Tenant Lease and Assumption Agreement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(e)</TD>
    <TD STYLE="text-align: left">Form of Assignment of Equipment Lease and Assumption Agreement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(j)-1</TD>
    <TD>Form of Assignment of Loan Documents and Assumption Agreement</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 3.5(j)-2</TD>
    <TD>Form of Limited Power of Attorney</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 4.9</TD>
    <TD>Schedule of Processing Fees</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 7.4(b)</TD>
    <TD>Estoppel Certificate &ndash; Tenant Lease</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exhibit 7.6(a)</TD>
    <TD>Specified Counties</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">&nbsp;&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">This <B>PURCHASE AND ASSUMPTION AGREEMENT</B>,
dated as of March 18, 2013 (this &ldquo;<U>Agreement</U>&rdquo;), between Bank of America, National Association, a national banking
association, organized under the laws of the United States, with its principal office located in Charlotte, North Carolina (&ldquo;<U>Seller</U>&rdquo;),
and First Financial Bank, National Association, a national banking association, organized under the laws of the United States,
with its principal office located in Terre Haute, Indiana (&ldquo;<U>Purchaser</U>&rdquo;).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.25in; text-transform: uppercase; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><B>WHEREAS</B>, Purchaser desires to acquire
from Seller, and Seller desires to transfer to Purchaser, certain banking operations in the State of Illinois, in accordance with
and subject to the terms and conditions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in"><B>NOW, THEREFORE</B>, in consideration of
the premises and the mutual promises and obligations set forth herein, the parties agree as follows:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
1</B></FONT><BR>
<BR>
<B>CERTAIN DEFINITIONS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain
Definitions</U>. The terms set forth below are used in this Agreement with the following meanings:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Accrued Interest</U>&rdquo;
means, as of any date, (a) with respect to a Deposit, any interest, dividends, fees, costs and other charges that have been accrued
on but have not been paid to Seller or credited or charged to the Deposit, each as reflected on Seller&rsquo;s general ledger,
and (b) with respect to the Loans, Negative Deposits, and the other Assets, any interest, fees, premiums, consignment fees, costs
and other charges that have accrued on or been charged to the Loans, the Negative Deposits or the other Assets but have not been
paid by the applicable borrower, guarantor, surety or other obligor therefore, or otherwise collected by offset, recourse to collateral
or otherwise, as reflected on Seller&rsquo;s general ledger.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>ACH</U>&rdquo; has the
meaning set forth in Section 4.3.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>ACH Direct Deposit Cut-Off
Date</U>&rdquo; has the meaning set forth in Section 4.3.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Adjusted Payment Amount</U>&rdquo;
means (x) the aggregate balance (including Accrued Interest) of the Deposits assumed by Purchaser pursuant to Section 2.2, <U>minus</U>
(y) the Purchase Price, each as set forth on the Final Closing Statement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Affiliate</U>&rdquo;
means, with respect to any person, any other person directly or indirectly controlling, controlled by or under common control with
such person. As used in this definition, the term &ldquo;person&rdquo; shall be broadly interpreted to include any corporation,
company, partnership and individual or group.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Agreement</U>&rdquo;
means this Purchase and Assumption Agreement, including all schedules, exhibits and addenda, each as amended from time to time
in accordance with Section 12.9(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Assets</U>&rdquo; has
the meaning set forth in Section 2.1(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Assignment and Assumption
Agreement</U>&rdquo; has the meaning set forth in Section 3.5(c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Assumed Contract Assignments</U>&rdquo;
has the meaning set forth in Section 3.5(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Assumed Contracts</U>&rdquo;
means each of the contracts set forth on Exhibit 1.1(a) and any contracts entered into by Seller following the date of this Agreement
to the extent exclusively related to the operations of the Branches and set forth on Exhibit 1.1(a). Exhibit 1.1(a) shall be updated
by Seller: (a) as of 5:00 p.m., Eastern time, on the date that is five (5) Business Days prior to the Closing Date (and delivered
to Purchaser on or before the date that is three (3) Business Days prior to the Closing Date); (b) as of 5:00 p.m., Eastern time,
on the date that is three (3) Business Days prior to the Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern
time, on the Business Day prior to the Closing Date); and (c) as of 5:00 p.m., Eastern time, on the Closing Date (and delivered
to Purchaser on or before 5:00 p.m., Eastern time, on the first Business Day after the Closing); <I>provided</I> that no contracts
shall be added to Exhibit 1.1(a) following the date of this Agreement without the consent of Purchaser, which may be withheld in
its sole discretion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Assumed Liabilities</U>&rdquo;
has the meaning set forth in Section 2.2(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Benefit Plan</U>&rdquo;
means each employee benefit plan, program or other arrangement that is sponsored or maintained by Seller or any of its Affiliates
or to which Seller or any of its Affiliates contributes or is obligated to contribute, including any employee welfare benefit plan
within the meaning of Section 3(1) of ERISA, any employee pension benefit plan within the meaning of Section 3(2) of ERISA (whether
or not such plan is subject to ERISA) and any bonus, incentive, compensation, deferred compensation, vacation, stock purchase,
stock option, severance, employment, consulting, retention, change of control or fringe benefit plan, agreement, program or policy
in which any of the Branch Employees or their dependents participate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Branch Employees</U>&rdquo;
means the employees of Seller or its Affiliates employed at the Branches or another location of Seller on the Closing Date who
provide services directly relating to the operation of the applicable Branch or Branches (including any employees who are Leave
Recipients) and whose names are set forth on the list provided by Seller in accordance with Section 5.16(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Branches</U>&rdquo;
means the banking offices and, if applicable, offices used by Seller for other lines of business, of Seller at the locations identified
on Exhibit 1.1(b), and &ldquo;<U>Branch</U>&rdquo; refers to each such Branch or any one of the Branches.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Business Day</U>&rdquo;
means a day on which banks are generally open for business in New York, New York, and which is not a Saturday or Sunday.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Closing</U>&rdquo; and
&ldquo;<U>Closing Date</U>&rdquo; refer to the closing of the P&amp;A Transaction, which is to be held on such date as provided
in Article 3 and which shall be deemed to be effective at 11:59 p.m., Eastern time, on such date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Code</U>&rdquo; means
the Internal Revenue Code of 1986, as amended.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>COBRA Continuation Coverage</U>&rdquo;
shall mean the health care benefit continuation coverage mandated by the Consolidated Omnibus Budget Reconciliation Act and similar
provisions of state law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&ldquo;<U>Commitments</U>&rdquo; has the meaning set
forth in Section 2.1.1.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Controlling Party</U>&rdquo;
has the meaning set forth in Section 11.1(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Covered Period</U>&rdquo;
has the meaning set forth in Section 4.3(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>CRA</U>&rdquo; has the
meaning set forth in Section 6.4(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Deductible</U>&rdquo;
has the meaning set forth in Section 11.1(e).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Deeds</U>&rdquo; means
limited warranty deeds in substantially the form of Exhibit 3.5(a) hereof and other instruments of conveyance as may be necessary
to sell, transfer and convey all right, title and interest in and to the Owned Real Property to Purchaser, free and clear of all
encumbrances other than Permitted Encumbrances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Deposit(s)</U>&rdquo;
means deposit liabilities with respect to deposit accounts (a) booked by Seller at the Branches and that have been opened by a
customer at the Branches as of the Closing Date or (b) opened by the primary accountholder either (i) at a non-Branch facility
or other branch facility of Seller or any of its Affiliates, or (ii) through the Seller&rsquo;s online or telephone origination
channels, and the primary accountholder currently resides within the geographic coverage area of the Branches (as such coverage
area is determined in accordance with Seller&rsquo;s internal policies and procedures in effect as of the date hereof (which policies
and procedures have been generally described to Purchaser)) prior to initial notification to be sent to holders of Deposits pursuant
to Section 4.2(a), that constitute &ldquo;deposits&rdquo; for purposes of the Federal Deposit Insurance Act, 12 U.S.C. &sect;&nbsp;1813,
including escrow deposit liabilities relating to the Loans and collected and uncollected deposits and Accrued Interest, but excluding
(1) any Excluded IRA/Keogh Account Deposits and (2) any Excluded Deposits.<FONT STYLE="color: black"> </FONT>Exhibit<FONT STYLE="color: black">
1.1(c) contains a list of Deposits as of August 31, 2012 with such schedule specifying the identity of the accountholder and the
type of account for each Deposit, and </FONT>such list shall be updated by Seller as of: (x) 5:00 p.m., Eastern time, on the date
that is five (5) Business Days prior to the Closing Date (and delivered to Purchaser on or before the date that is three (3) Business
Days prior to the Closing Date); (y) 5:00 p.m., Eastern time, on the date that is three (3) Business Days prior to the Closing
Date (and delivered to Purchaser on or before 5:00 p.m., Eastern time, on the Business Day prior to the Closing Date); and (z)
5:00 p.m., Eastern time, on the Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern time, on the first Business
Day after the Closing Date)<FONT STYLE="color: black">.</FONT></P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Draft Allocation Statement</U>&rdquo;
has the meaning set forth in Section 3.9(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Draft Closing Statement</U>&rdquo;
means a draft closing statement, prepared by Seller and in a form mutually agreed to by the parties, which shall be initially prepared
as of the close of business on the fifth (5th)<B> </B>Business Day preceding the Closing Date, and delivered to Purchaser on the
third (3rd) Business Day preceding the Closing Date and which shall be subsequently updated as of the close of business on the
third (3rd) Business Day preceding the Closing Date, and delivered to Purchaser on the Business Day prior to the Closing Date,
in each case setting forth Seller&rsquo;s reasonable estimated calculation of both the Purchase Price and the Estimated Payment
Amount as if the Closing occurred on the fifth (5<SUP>th</SUP>) or third (3<SUP>rd</SUP>) Business Day prior to the Closing, as
applicable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Encumbrances</U>&rdquo;
means all mortgages, claims, charges, liens, encumbrances, easements, limitations, restrictions, commitments and security interests,
ordinances, restrictions, requirements, resolutions, laws or orders of any governmental authority now or hereafter acquiring jurisdiction
over the Assets, and all amendments or additions thereto in force as of the date of this Agreement or in force as of the Closing
Date, and other matters now of public record relating to the Real Property, except for statutory liens securing Taxes and/or other
payments not yet due, and except for obligations pursuant to applicable escheat and unclaimed property laws relating to the Escheat
Deposits.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Environmental Law</U>&rdquo;
means any Federal, state, or local law, statute, rule, regulation, code, order, judgment, decree, injunction or agreement with
any Federal, state, or local governmental authority, (a) relating to the protection, preservation or restoration of the environment
(including air, water vapor, surface water, groundwater, drinking water supply, surface land, subsurface land, plant and animal
life or any other natural resource) or to human health or safety or (b) the exposure to, or the use, storage, recycling, treatment,
generation, transportation, processing, handling, labeling, production, release or disposal of Hazardous Substances, in each case
as amended and now in effect. Environmental Laws include the Clean Air Act (42 U.S.C. &sect;7401 <U>et</U> <U>seq</U>.); the Comprehensive
Environmental Response Compensation and Liability Act (42 U.S.C. &sect;9601 <U>et</U> <U>seq</U>.); the Resource Conservation and
Recovery Act (42 U.S.C. &sect;6901 <U>et</U> <U>seq</U>.); the Federal Water Pollution Control Act (33 U.S.C. &sect;1251 <U>et</U>
<U>seq</U>.); and the Occupational Safety and Health Act (29 U.S.C. &sect;651 <U>et</U> <U>seq</U>.).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Equipment Lease Assignment</U>&rdquo;
has the meaning set forth in Section 3.5(e).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Equipment Leases</U>&rdquo;
means, collectively, all equipment leases set forth on Exhibit 1.1(d), to the extent exclusively related to equipment or other
Personal Property located at the Branches.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>ERISA</U>&rdquo; means
the Employee Retirement Income Security Act of 1974, as amended, and the rules, regulations and class exemptions of the U.S. Department
of Labor thereunder.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Escheat Deposits</U>&rdquo;
means, as of any date, Deposits and safe deposit box contents, in each case held on such date at the Branches which become subject
to escheat, in the calendar year in which the Closing occurs, to any governmental authority pursuant to applicable escheat and
unclaimed property laws.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Estimated Payment Amount</U>&rdquo;
means (x) the aggregate balance (including Accrued Interest) of the Deposits assumed by Purchaser pursuant to Section 2.2, <U>minus</U>
(y) the Purchase Price, each as set forth on the Draft Closing Statement as reasonably agreed upon prior to the Closing by Seller
and Purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Excluded Assets</U>&rdquo;
has the meaning set forth in Section 2.1(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Excluded Deposits</U>&rdquo;
means (w) those deposit liabilities that are or would be considered &ldquo;brokered deposits&rdquo; for purposes of the rules and
regulations of the FDIC, any of which, as of the date hereof, are listed on Exhibit 1.1(e)(i), (x) Escheat Deposits, (y) those
deposit liabilities (i) related to a financial advisory relationship with Seller&rsquo;s Merrill Lynch Wealth Management or US
Trust divisions, (ii) related to a client managed relationship in Seller&rsquo;s Business Banking, Middle Market, or Large Corporate
divisions or any other non-retail division, (iii) linked to affinity relationships or programs set forth on Exhibit 1.1(e)(iii)
(and such Exhibit 1.1(e)(iii) shall be updated by Seller as of (A) 5:00 p.m., Eastern time, on the date that is five (5) Business
Days prior to the Closing Date (and delivered to Purchaser on or before the date that is three (3) Business Days prior to the Closing
Date); (B) 5:00 p.m., Eastern time, on the date that is three (3) Business Days prior to the Closing Date (and delivered to Purchaser
on or before 5:00 p.m., Eastern time, on the Business Day prior to the Closing Date); and (C) as of 5:00 p.m., Eastern time, on
the Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern time, on the first Business Day after the Closing
Date), (iv) held in an escrow account, or (v) held as collateral for a loan that is not a Loan, and (z) those deposit liabilities
that have been opened by an employee (other than a Transferred Employee) or former employee of Bank of America Corporation.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Excluded IRA/Keogh Account
Deposits</U>&rdquo; has the meaning set forth in Section 2.4(c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Excluded Liabilities</U>&rdquo;
has the meaning set forth in Section 2.2(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Excluded Taxes</U>&rdquo;
means (i) any Taxes of Seller or any of its Affiliates for or applicable to any period, (ii) any Taxes of, or relating to, the
Assets, the Assumed Liabilities or the operation of the Branches for, or applicable to, the Pre-Closing Tax Period, and (iii) any
Transfer Taxes for which Seller is responsible pursuant to Section 8.2.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>FDIC</U>&rdquo; means
the Federal Deposit Insurance Corporation.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Federal Funds Rate</U>&rdquo;
on any day means the per annum rate of interest (rounded upward to the nearest 1/100 of 1%) which is the weighted average of the
rates on overnight federal funds transactions arranged on such day or, if such day is not a Business Day, the previous Business
Day, by federal funds brokers computed and released by the Federal Reserve Bank of New York (or any successor) in substantially
the same manner as such Federal Reserve Bank currently computes and releases the weighted average it refers to as the &ldquo;Federal
Funds Effective Rate&rdquo; at the date of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Federal Reserve Board</U>&rdquo;
means the Board of Governors of the Federal Reserve System.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Final Allocation Statement</U>&rdquo;
has the meaning set forth in Section 3.9(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Final Closing Statement</U>&rdquo;
means a final closing statement, prepared by Seller in accordance with the accounting policies used in preparing the Draft Closing
Statement, on or before the forty-fifth (45<SUP>th</SUP>) calendar day following the Closing Date setting forth both the Purchase
Price, the Adjusted Payment Amount and the prorated Items of proration set forth in Section 3.4, all determined and calculated
based upon the actual Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>GAAP</U>&rdquo; has
the meaning set forth in Section 1.2.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Hazardous Substance</U>&rdquo;
means any substance, whether liquid, solid or gas (a) listed, identified or designated as hazardous or toxic; (b) which, applying
criteria specified in any Environmental Law, is hazardous or toxic; or (c) the use or disposal, or any manner or aspect of management
or handling, of which is regulated under Environmental Law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>IRA</U>&rdquo; means
an &ldquo;individual retirement account&rdquo; or similar account created by a trust for the exclusive benefit of any individual
or his beneficiaries in accordance with the provisions of Section 408 or 408A of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>IRS</U>&rdquo; means
the Internal Revenue Service.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: black">&ldquo;<U>Item</U>&rdquo;
means (a) drafts, including checks and negotiable orders of withdrawal and items of a like kind which are drawn on or deposited
and credited to the Deposit accounts, and (b) payments, advances, disbursements, fees, reimbursements and items of a like kind
which are debited or credited to the Loans</FONT><FONT STYLE="text-underline-style: none; color: windowtext">.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Keogh Account</U>&rdquo;
means an account created by a trust for the benefit of employees (some or all of whom are owner-employees) and that complies with
the provisions of Section 401(c) of the Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Leased Branch</U>&rdquo;
has the meaning set forth in Section 2.1.4(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Leased Branch Lease
Agreement</U>&rdquo; has the meaning set forth in Section 2.1.4(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Leave Recipient</U>&rdquo;
has the meaning set forth in Section 8.6(a)(ii).</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Lien Defect</U>&rdquo;
means any Encumbrance (except for a Permitted<FONT STYLE="color: black"> </FONT>Encumbrance) that is reflected on a Commitment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="color: black">&ldquo;<U>Loan
Documents</U>&rdquo; means the Loan files and all documents with respect to a Loan that are </FONT>in Seller&rsquo;s possession
or control<FONT STYLE="color: black">, including loan applications, notes, security agreements, deeds of trust, mortgages, collectors
notes, appraisals, credit reports, disclosures, titles to collateral (titles to cars, boats, etc.), all verifications (including
employment verification, deposit verification, etc.), </FONT>financial statements of borrowers and guarantors, independently prepared
financials statements, internally prepared financial statements, commitment letters, <FONT STYLE="color: black">loan agreements
including building and loan agreements, guarantees, pledge agreements, intercreditor agreements, participation agreements, security
and collateral agreements, sureties and insurance policies (including title insurance policies) and all written modifications,
waivers and consents relating to any of the foregoing.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Loan Documents Assignment</U>&rdquo;
has the meaning set forth in Section 3.5(j).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Loans</U>&rdquo; means
the loans that are listed on Exhibit 1.1(f), including all overdrafts with respect thereto; <I>provided</I>, <I>however</I>, that
&ldquo;Loans&rdquo; do not include (a) the interest of any participants in such Loans or Loans that have been the subject of securitizations;
(b) loans that are subject to a pending legal proceeding related to a borrower&rsquo;s inability or refusal to pay such loan; (c)
loans that are subject to pending proceedings against the obligor or obligors of such loan under Title 11 of the United States
Code; (d) loans that have principal or interest due and unpaid for thirty (30) days or more; and (e) loans that are not, as of
the Closing, identified by Seller in the Records as being on &ldquo;nonaccrual of interest&rdquo; status. Exhibit<FONT STYLE="color: black">
1.1(f) </FONT>shall be updated by Seller as of (i) 5:00 p.m., Eastern time, on the date that is five (5) Business Days prior to
the Closing Date (and delivered to Purchaser on or before the date that is three (3) Business Days prior to the Closing Date);
(ii) 5:00 p.m., Eastern time, on the date that is three (3) Business Days prior to the Closing Date (and delivered to Purchaser
on or before 5:00 p.m., Eastern time, on the Business Day prior to the Closing Date); and (iii) 5:00 p.m., Eastern time, on the
Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern time, on the first Business Day after the Closing Date)<FONT STYLE="color: black">.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Loss</U>&rdquo; means
the amount of losses, liabilities, damages and reasonable expenses actually incurred by the indemnified party or its Affiliates
in connection with the matters described in Section 11.1, less the amount of the economic benefit (if any) to the indemnified party
or its Affiliates obtained or to be obtained in connection with any such damage, loss, liability or expense (including net Tax
benefits obtainable under applicable law, amounts recovered under insurance policies net of deductibles, recovery by setoffs or
counterclaims, and other economic benefits).</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Material Adverse Effect</U>&rdquo;
means (a) with respect to Seller, a material adverse effect on (i) the business or results of operations or financial condition
of the Branches, the Assets and the Assumed Liabilities, taken as a whole (excluding any effect to the extent arising out of or
resulting from (A) changes, after the date hereof, in GAAP or regulatory accounting requirements applicable to banks or savings
associations or their holding companies generally, (B) changes, after the date hereof, in laws, rules or regulations of general
applicability or interpretations thereof by courts or governmental agencies or authorities, (C) changes, after the date hereof,
in global, national or regional political conditions or in general U.S. national or regional or global economic or market conditions
affecting banks or their holding companies generally (including changes in interest or exchange rates or in credit availability
and liquidity), (D) execution, announcement or consummation of this Agreement and the transactions contemplated hereby, including
the impact thereof on customers, suppliers, licensors, employees and others having business relationships with the Branches, (E)
the commencement, occurrence, continuation or intensification of any war, sabotage, armed hostilities or acts of terrorism not
directly involving the Assets or the Assumed Liabilities, or (F) actions by Purchaser or Seller taken pursuant to the express requirements
of this Agreement, or (ii) the ability of Seller to timely consummate the P&amp;A Transaction as contemplated by this Agreement,
and (b) with respect to Purchaser, a material adverse effect on the ability of Purchaser to perform any of its financial or other
obligations under this Agreement, including the ability of Purchaser to timely consummate the P&amp;A Transaction as contemplated
by this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Material Defect</U>&rdquo;
means (a) any &ldquo;Recognized Environmental Condition&rdquo; reported in a Phase I, Phase II, or Baseline Environmental Assessment,
as the term &ldquo;Recognized Environmental Condition&rdquo; is defined in ASTM Standard 1527-05, or friable asbestos containing
material (&ldquo;<U>ACM</U>&rdquo;) that has not been properly controlled through the application of engineering controls or an
adequate operation and maintenance plan, and that Purchaser reasonably believes, based on the advice of a mutually acceptable environmental
consultant/contractor, that the amount of expense or liability which Purchaser would be reasonably likely to incur to correct such
&ldquo;Recognized Environmental Condition&rdquo; or ACM control problem will exceed the threshold set forth in Schedule 1.1(a)
of the Seller Disclosure Schedule in the case of each affected Real Property; or (b) with respect to the buildings, deficiencies
in the plumbing, electrical, HVAC, drive thru air transport system, roof, walls, or foundations impacting the current use of the
applicable property or facility the cost of which to repair or correct (other than any costs borne by the applicable lessor) is
reasonably likely to equal or exceed the threshold set forth in Schedule 1.1(b) of the Seller Disclosure Schedule in the case of
each affected Real Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Negative Deposits</U>&rdquo;
means Deposit account overdrafts (including Qualifying Negative Deposits) and accrued interest thereon.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Non-Controlling Party</U>&rdquo;
has the meaning set forth in Section 11.1(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Net Book Value</U>&rdquo;
means the carrying value of each of the Assets as reflected on the books of Seller in accordance with GAAP and consistent with
the accounting policies and practices of Seller<B> </B>in effect<B> </B>as of the date of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>New Plans</U>&rdquo;
means any employee benefit plans of Purchaser that provides benefits to any Transferred Employee after the Transfer Date.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Obligor</U>&rdquo; has
the meaning set forth in Section 5.8(a)(i).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>OCC</U>&rdquo; means
the Office of the Comptroller of the Currency.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Order</U>&rdquo; has
the meaning set forth in Section 9.1(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Owned Real Property</U>&rdquo;
means Real Property owned by Seller and used for Branches and listed on Exhibit 1.1(b) hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>P&amp;A Transaction</U>&rdquo;
means the purchase and sale of Assets and the assumption of Assumed Liabilities described in Sections 2.1 and 2.2.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<FONT STYLE="font-weight: normal"><U>Person</U></FONT>&rdquo;
means any individual, corporation, company, partnership (limited or general), limited liability company, joint venture, association,
trust or other business entity.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&ldquo;<U>Permitted Encumbrances</U>&rdquo; has the
meaning set forth in Section 2.1.1.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Personal Property</U>&rdquo;
means the personal property goods of Seller located in the Branches, and used or held for use in the business or operation of the
Branches, consisting of the trade fixtures, shelving, furniture, leasehold improvements, on-premises ATMs (excluding Seller licensed
software, but including ATM hardware, alarm contacts, safe, cash canisters, security camera, KABA-MAS locks, ADA audio hardware,
deposit automation hardware, keys and lock combinations), equipment, security systems equipment (but not including any connections
or software relating thereto), safe deposit boxes (exclusive of contents), vaults and sign structures.<FONT STYLE="color: black">
</FONT>Exhibit 1<FONT STYLE="color: black">.1(g) contains an overview of the Personal Property as of August 31, 2012, and </FONT>Exhibit
1.1(g) shall be updated by Seller to include a complete and accurate list of the Personal Property as of (a) 5:00 p.m., Eastern
time, on the date that is five (5) Business Days prior to the Closing Date (and delivered to Purchaser on or before the date that
is three (3) Business Days prior to the Closing Date); (b) 5:00 p.m., Eastern time, on the date that is three (3) Business Days
prior to the Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern time, on the Business Day prior to the Closing
Date); and (c) 5:00 p.m., Eastern time, on the Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern time, on
the first Business Day after the Closing Date)<FONT STYLE="color: black">.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Pre-Closing Tax Period</U>&rdquo;
means a taxable period or portion thereof that ends on or prior to the Closing Date; if a taxable period begins on or prior to
the Closing Date and ends after the Closing Date, then the portion of the taxable period that ends on and includes the Closing
Date shall constitute the Pre-Closing Tax Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Property Taxes</U>&rdquo;
means real, personal, and intangible <I>ad valorem </I>property Taxes, including special assessments to the extent accrued and
payable in any particular calendar year in question.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Public Notice</U>&rdquo;
has the meaning set forth in Section 12.4.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Purchase Price</U>&rdquo;
has the meaning set forth in Section 2.3.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Purchaser 401(k) Plans</U>&rdquo;
has the meaning set forth in Section 8.6(i).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Purchaser Benefit Plans</U>&rdquo;
has the meaning set forth in Section 8.6(d).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Purchaser Taxes</U>&rdquo;
has the meaning set forth in Section 11.1(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Qualifying Negative
Deposits</U>&rdquo; means Negative Deposits that have been in overdraft status for more than forty five (45) consecutive calendar
days prior to Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Real Property</U>&rdquo;
means the parcels of real property on which the Branches listed on Exhibit 1.1(b) are located, including any improvements and fixtures
thereon and any easements, concessions, licenses or similar rights appurtenant thereto, which Schedule indicates that each such
real property is Owned Real Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Records</U>&rdquo; means
(a) as to the Loans, the Loan Documents and (b) as to other Assets and Assumed Liabilities, all records and original documents,
or where reasonable and appropriate copies thereof, that relate directly thereto and are retained in the Branches, or are in Seller&rsquo;s
possession or control and pertain to and are necessary for the conduct of the business of the Branches following the Closing (including
transaction tickets through the Closing Date and all records for closed accounts located in Branches and excluding any other transaction
tickets and records for closed accounts, and including signature cards that are in Seller&rsquo;s possession or control); <I>provided</I>,
<I>however</I>, that Records shall not include (i) general books of account and books of original entry that comprise Seller&rsquo;s
permanent tax records, (ii) the books and records that Seller is required to retain pursuant to any applicable law or order and
the books and records to the extent related to the assets of Seller other than the Assets or the Excluded Liabilities, (iii) the
personnel files and records relating to Branch Employees or (iv) any other books and records of Seller or any of its Affiliates
that cannot, without unreasonable effort or expense, be separated from books and records maintained by Seller or any of its Affiliates
in connection with the businesses of Seller and its Affiliates that are not being sold hereunder; <I>provided</I> that, with respect
to any books and records covered by this subclause (iv), Purchaser shall be permitted to request copies of portions of such books
and records to the extent information set forth therein relates to the Assets or the Assumed Liabilities and is reasonably necessary
in connection with Purchaser&rsquo;s operation or administration of its business relating thereto; and <I>provided</I>, <I>further</I>,
that Seller and its Affiliates shall have the right to retain a copy of all such records and documents regarding the Assets and
Assumed Liabilities to the extent necessary to comply with applicable law or regulation or tax or accounting requirements, and
such records and other documents shall continue to be subject to the confidentiality provisions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Regulatory Approvals</U>&rdquo;
means the approval of the OCC and any other Regulatory Authority required to consummate the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Regulatory Authority</U>&rdquo;
means any federal or state banking, other regulatory, self-regulatory or enforcement authority or any court, administrative agency
or commission or other governmental authority or instrumentality.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Returned Items</U>&rdquo;
has the meaning set forth in Section 4.9(c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Safe Deposit Agreements</U>&rdquo;
means the agreements that are in Seller&rsquo;s possession or control relating to safe deposit boxes located in the Branches.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Seller 401(k) Plans</U>&rdquo;
has the meaning set forth in Section 8.6(i).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Seller Disclosure Schedule</U>&rdquo;
means the disclosure schedule of Seller delivered to Purchaser in connection with the execution and delivery of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Seller Taxes</U>&rdquo;
has the meaning set forth in Section 11.1(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Seller&rsquo;s knowledge</U>&rdquo;
or other similar phrases means information that is actually known, after reasonable inquiry, to the Persons set forth on Exhibit
1.1(h).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Straddle Period</U>&rdquo;
means any taxable period beginning on or prior to and ending after the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="text-underline-style: none; color: windowtext">&ldquo;</FONT><FONT STYLE="text-underline-style: double; color: windowtext"><U>Survival
Period</U></FONT><FONT STYLE="text-underline-style: none; color: windowtext">&rdquo; </FONT>has the meaning set forth in Section
12.1(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in">&ldquo;<U>Surveys</U>&rdquo; has the meaning set forth
in Section 2.1.1.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Tax Claim</U>&rdquo;
has the meaning set forth in Section 11.1(f).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Tax Returns</U>&rdquo;
means any report, return, declaration, statement, claim for refund, information return or statement relating to Taxes or other
information or document required to be supplied to a taxing authority in connection with Taxes, including any schedule or attachment
thereto, and including any amendment thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Taxes</U>&rdquo; means
all taxes, including income, gross receipts, excise, real and personal and intangible property, sales, use, transfer (including
transfer gains taxes), withholding, license, payroll, recording, ad valorem and franchise taxes, whether computed on a separate
or consolidated, unitary or combined basis or in any other manner, whether disputed or not and including any obligation to indemnify
or otherwise assume or succeed to the tax liability of another person, imposed by the United States, or any state, local or foreign
government or subdivision or agency thereof and such term shall include any interest, penalties or additions to tax attributable
to such assessments.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Tenant Assignments</U>&rdquo;
has the meaning set forth in Section 3.5(d).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Tenant Leases</U>&rdquo;
means leases, subleases, licenses or other use agreements between Seller and tenants with respect to Real Property, if any.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Tenant Security Deposit</U>&rdquo;
means any security deposit held by Seller with respect to a Tenant Lease (and which has not otherwise been offset by Seller pursuant
to the terms of such Tenant Lease).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Title Insurance</U>&rdquo;
has the meaning set forth in Section 2.1.2(b).</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Title Insurer</U>&rdquo;
means Madison Title Agency, LLC.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Title Policy</U>&rdquo;
has the meaning set forth in Section 2.1.2(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Transaction Account</U>&rdquo;
means any account at a Branch in respect of which deposits therein are withdrawable in practice upon demand or upon which third
party drafts may be drawn by the depositor, including checking accounts, negotiable order of withdrawal accounts and money market
deposit accounts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in"><FONT STYLE="text-underline-style: none; color: windowtext">&ldquo;</FONT><FONT STYLE="text-underline-style: double; color: windowtext"><U>Transfer
Date</U></FONT><FONT STYLE="text-underline-style: none; color: windowtext">&rdquo; means (i) with respect to Branch Employees who
are not Leave Recipients as of the Closing Date and who accept Purchaser&rsquo;s offer of employment, the day after the Closing
Date, and (ii) with respect to Branch Employees who are Leave Recipients as of the Closing Date and who accept Purchaser&rsquo;s
offer of employment, the date of active commencement of a Branch Employee&rsquo;s employment with Purchaser or one of its Affiliates,
as applicable, within the time period set forth in </FONT>Section 8.6(a)(ii)<FONT STYLE="text-underline-style: none; color: windowtext">.
</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Transfer Taxes</U>&rdquo;
has the meaning set forth in Section 8.2.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Transferred Employees</U>&rdquo;
has the meaning set forth in Section 8.6(a)(i).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Unauthorized ACH Deposit</U>&rdquo;
has the meaning set forth in Section 4.3(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Unfunded Advance</U>&rdquo;
shall mean an advance requested under a Loan on or prior to the Closing Date pursuant to the terms and provisions of such Loan
that Seller is not obligated to fund until after the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Welfare Benefits</U>&rdquo;
shall mean the types of benefits described in Section 3(1) of ERISA (whether or not covered by ERISA).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Accounting
Terms</U>. All accounting terms not otherwise defined herein shall have the respective meanings assigned to them in accordance
with consistently applied generally accepted accounting principles as in effect from time to time in the United States of America
(&ldquo;<U>GAAP</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
2</B></FONT><BR>
<BR>
<B>THE P&amp;A TRANSACTION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchase
and Sale of Assets</U>. (a) Subject to the terms and conditions set forth in this Agreement, at the Closing, Seller shall grant,
sell, convey, assign, transfer and deliver to Purchaser, and Purchaser shall purchase and accept from Seller, all of Seller&rsquo;s
right, title and interest, as of the Closing Date, in and to the following (collectively, the &ldquo;<U>Assets</U>&rdquo;):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(i)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Owned Real Property;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(ii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Personal Property;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(iii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Tenant Leases;</TD></TR></TABLE>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-indent: -0.25in">&nbsp;&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(iv)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Equipment Leases and the Assumed Contracts;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right"><FONT STYLE="color: black">(v)</FONT></TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD><FONT STYLE="color: black">the Loans, plus Accrued Interest with respect to such Loans, as well as the collateral for the Loans,
the Loan Documents and, to the extent owned, the servicing rights related thereto pursuant to Section 2.5</FONT>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(vi)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Negative Deposits;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(vii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD><FONT STYLE="color: black">the Safe Deposit Agreements and the keys to the safe deposit boxes;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(viii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD><FONT STYLE="color: black">any refunds, credits or other receivables, in each case, of, against or relating to Taxes of, or
relating to, the Assets, the Assumed Liabilities or the operation of the Branches (other t</FONT>han Excluded Taxes);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(ix)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Records; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(x)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>all local telephone, fax numbers and post office boxes associated specifically with the Branches.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
understands and agrees that it is purchasing only the Assets specified in this Agreement, and Purchaser has no interest in or right
to any other assets, properties or interests of Seller or any of its Affiliates (including any business relationship that Seller
or its Affiliates may have with any customer of Seller or its Affiliates (other than those relationships solely in respect of such
customers&rsquo; status as a holder of Loans or Deposits) (all assets, properties or interests, other than the Assets, the &ldquo;<U>Excluded
Assets</U>&rdquo;). For the avoidance of doubt, except as contemplated by Section 7.9, no right to the use of any sign, trade name,
trademark or service mark, if any, of Seller or any of its Affiliates, is being sold, and any such right shall be an Excluded Asset.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assumption
of Liabilities</U>. (a) Subject to the terms and conditions set forth in this Agreement, at the Closing, Purchaser shall assume,
pay, perform and discharge all duties, responsibilities, obligations or liabilities of Seller to be discharged, performed, satisfied
or paid on or after the Closing Date (or the Transfer Date with respect to a Transferred Employee), with respect to the following
(collectively, the &ldquo;<U>Assumed Liabilities</U>&rdquo;):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(i)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Deposits, including Deposits in IRAs and Keogh Accounts to the extent contemplated by Section 2.4;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(ii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Personal Property, Tenant Leases, Tenant Security Deposits and the Owned Real Property;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(iii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Safe Deposit Agreements;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right"><FONT STYLE="text-underline-style: none; color: windowtext">(iv)</FONT></TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Equipment Leases and the Assumed Contracts;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(v)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Loans, and the servicing of the Loans pursuant to Section 2.5;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(vi)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>the Negative Deposits and the Unfunded Advances;</TD></TR></TABLE>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(vii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>liabilities to any Transferred Employee in respect of his or her employment with Purchaser on or after the Transfer Date, including
as set forth in Section 8.6; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 1.1in"></TD><TD STYLE="width: 0.3in; text-align: right">(viii)</TD>
    <TD STYLE="width: 0.3in">&nbsp;</TD><TD>liabilities for Taxes of, or relating to, the Assets, the Assumed Liabilities or the business or operation of the Branches
(other than Excluded Taxes).</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything to the contrary in this Agreement, Purchaser shall not assume or be bound by any duties, responsibilities, obligations
or liabilities, of any kind or nature, known, unknown, contingent or otherwise, of Seller or any of its Affiliates, other than
the Assumed Liabilities or as otherwise expressly assumed hereunder (all duties, responsibilities, obligations and liabilities
of Seller or any of its Affiliates, other than the Assumed Liabilities or other obligations expressly assumed hereunder, the &ldquo;<U>Excluded
Liabilities</U>&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchase
Price</U>. The purchase price (&ldquo;<U>Purchase Price</U>&rdquo;) for the Assets shall be the sum of the following U.S. dollar
amounts:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
amount equal to 2.75% of the average daily closing balance (including Accrued Interest) of the Deposits for the period commencing
thirty (30) calendar days prior to the Closing Date and concluding on the Closing Date;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
aggregate Net Book Value of all the Assets, other than the Qualifying Negative Deposits; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued
Interest with respect to the Loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assumption
of IRA and Keogh Account Deposits</U>. (a) With respect to Deposits in IRAs, Seller will use reasonable best efforts and will cooperate
with Purchaser in taking any action reasonably necessary to accomplish either the appointment of Purchaser as successor custodian
or the delegation to Purchaser (or to an Affiliate of Purchaser) of Seller&rsquo;s authority and responsibility as custodian of
all such IRA deposits (except self-directed IRA deposits), including sending to the depositors thereof appropriate notices, cooperating
with Purchaser (or such Affiliate) in soliciting consents from such depositors, and filing any appropriate applications with applicable
Regulatory Authorities. If any such delegation is made to Purchaser (or such Affiliate), Purchaser (or such Affiliate) will perform
all of the duties so delegated and comply with the terms of Seller&rsquo;s agreement with the depositor of the IRA deposits affected
thereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to Deposits in Keogh Accounts, Seller shall use reasonable best efforts and cooperate with Purchaser to invite depositors
thereof to direct a transfer of each such depositor&rsquo;s Keogh Account and the related Deposits to Purchaser (or an Affiliate
of Purchaser), as trustee or custodian, as the case may be, thereof, and to adopt Purchaser&rsquo;s (or such Affiliate&rsquo;s)
form of Keogh Master Plan as a successor to that of Seller. Purchaser (or such Affiliate) will not be required to assume a Keogh
Account unless Purchaser (or such Affiliate) has received the documents reasonably necessary for such assumption at or before the
Closing. With respect to any owner of a Keogh Account who does not adopt Purchaser&rsquo;s (or such affiliate&rsquo;s) form of
Keogh Master Plan, Seller will use reasonable best efforts in order to enable Purchaser (or such Affiliate) to retain such Keogh
Accounts at the Branches.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If,
notwithstanding the foregoing, as of the Closing Date, Purchaser shall be unable to retain deposit liabilities in respect of an
IRA or Keogh Account, such deposit liabilities, which shall on or prior to the Closing Date be set forth on Exhibit 2.4(c), shall
be excluded from Deposits for purposes of this Agreement and shall constitute &ldquo;<U>Excluded IRA/Keogh Account Deposits</U>.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale
and Transfer of Servicing</U>. The Loans shall be sold on a servicing-released basis and any related escrow deposits shall be transferred
to Purchaser. As of the Closing Date, all rights, obligations, liabilities and responsibilities with respect to the servicing of
the Loans after the Closing Date will be assumed by Purchaser. Seller shall be discharged and indemnified by Purchaser from all
liability with respect to the servicing of the Loans after the Closing Date and Purchaser shall not assume and shall be discharged
and indemnified by Seller from all liability with respect to the servicing of the Loans on or prior to the Closing Date.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>ARTICLE 2.1</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in"><B>REAL
PROPERTY MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="text-underline-style: none">2.1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Commitment
for Title Insurance and Survey</U>. Within forty-five (45) days of the date of this Agreement, Seller shall deliver to Purchaser
and Purchaser&rsquo;s counsel, with respect to each parcel of Owned Real Property used for the Branches identified as leased on
Exhibit 1.1(b): (a) a title commitment (including all documents, instruments or agreements evidencing or creating the exceptions
to, or Encumbrances on, title referenced in such commitment) (the &ldquo;<U>Commitments</U>&rdquo;) issued by the Title Insurer
and (b) any ALTA minimum standards detail land title survey of each of the Branches and each parcel of Real Property that Seller
has been able to locate in its files and records, prepared and certified as to all matters shown thereon by a surveyor licensed
by the State where the Real Property is located (together with any new ALTA survey of the Real Property ordered by Purchaser, the
&ldquo;<U>Surveys</U>&rdquo;). The Surveys shall include a notation stating whether any portion of the Real Property is located
in a 100-year flood plain, flood-prone area or special flood hazard and shall show the specific location of any portions of such
Real Property that may be located in any such flood areas. The Commitments shall reflect that Seller has good and indefeasible
title in and to the Real Property, subject only to (x) matters that do not materially and adversely affect the continued use of
the Real Property by Purchaser following the Closing in the manner currently used by Seller as a commercial bank branch office
(the &ldquo;<U>Permitted Encumbrances</U>&rdquo;), (y)&nbsp;to which Purchaser has not objected, and (z) other matters of record
in the respective County in which the Real Property is located, and routine matters to be satisfied as part of the conveyance of
the Real Property. The costs of obtaining the Commitments and the Surveys shall be borne equally by Seller and Purchaser. If any
Commitment contains any exceptions other than Permitted Encumbrances (including Permitted Encumbrances that reflect a monetary
lien), Seller shall make a good faith effort to cure, or cause the Title Insurer to omit or insure over such exceptions prior to
the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="text-underline-style: none">2.1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Title
Insurance Policy</U>. (a) Seller shall cause the Title Insurer to update the Commitments as of the Business Day prior to
the Closing Date. In the event that the updated Commitments disclose any defect not included in the original Commitments, the procedure
set forth in the final sentence of Section 2.1.1 herein shall apply.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
and Purchaser shall cause the Title Insurer at Closing to provide a &ldquo;marked up&rdquo; or pro forma policy of title insurance,
and as soon as practicable after the Closing, to issue an Owner&rsquo;s Policy of Title Insurance (each, a &ldquo;<U>Title Policy</U>,&rdquo;
and collectively, the &ldquo;<U>Title Insurance</U>&rdquo;), to Purchaser covering the Real Property in the amount equal to the
Net Book Value of the relevant Real Property as included in the calculation of the Purchase Price. Such policies shall guarantee
Purchaser&rsquo;s title to the relevant Real Property to be good and indefeasible, subject only to the Permitted Encumbrances.
The costs of obtaining the Title Insurance shall be borne equally by Seller and Purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="text-underline-style: none">2.1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Inspection
of Real Property</U>. Within forty five (45) calendar days after the date of this Agreement, Purchaser may, at its sole cost and
expense, undertake such physical inspections and examinations of the Owned Real Property, including such inspections of the buildings
thereon, as Purchaser reasonably deems necessary or appropriate, which shall be conducted in a manner and at times so as to not
disrupt Seller&rsquo;s business operations of the Branches. The cost of any such inspections and examinations shall solely be the
responsibility of Purchaser. Notwithstanding the foregoing, Purchaser shall not conduct any invasive testing or Phase II Environmental
Site Assessment on any Real Property, without the prior written consent of Seller (which consent will not unreasonably be withheld
or delayed) and coordinating the scope of such work with Seller or Seller&rsquo;s consultants, as applicable. If reasonably necessary
for proper conduct and completion of on-site sampling for a Phase II Environmental Site Assessment, or Baseline Environmental Assessment
compliant with the ASTM Standards, this time period shall be subject to reasonable extensions, not to exceed sixty (60) calendar
days following the expiration of the initial forty five (45) calendar day period. Purchaser shall maintain liability insurance
and shall indemnify Seller for any and all Losses incurred by Seller, any of its Affiliates and/or third parties while Purchaser
and its agents are performing any inspections under this Section 2.1.3. In the event of any damage to any of the Branches arising
out of Purchaser&rsquo;s inspections, Seller shall be entitled to require Purchaser to engage workmen reasonably acceptable to
Seller to restore any such damage to the same condition as the Branches were in prior to the inspection.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><FONT STYLE="text-underline-style: none">2.1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Objections
and Remedies</U>. (a) If Purchaser shall discover a Material Defect as a result of Purchaser&rsquo;s inspections and examinations
undertaken in accordance with Section 2.1.3, Purchaser shall give Seller written notice as soon as possible (but in no event later
than the expiration of the forty five (45)-calendar day period, or the additional sixty (60)-calendar day period if subject to
an extension for testing as described in Section 2.1.3) describing, in reasonable detail, the facts or conditions constituting
such Material Defect and the measures which Purchaser reasonably believes are necessary to correct such Material Defect (to be
read for this purpose without reference to the applicable threshold set forth in Schedule 1.1 of the Seller Disclosure Schedule).</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Seller does not elect to cure any such Material Defect or is unable to cure such Material Defect to Purchaser&rsquo;s reasonable
satisfaction at least ten (10) calendar days prior to the Closing, and Purchaser does not elect to waive such Material Defect,
Purchaser may (as its sole remedy) elect to cause, by giving Seller written notice, Seller and Purchaser to enter into a lease
agreement having the terms set forth in Exhibit 2.1.4 (a &ldquo;<U>Leased Branch Lease Agreement</U>&rdquo;) with respect to the
Branch located on such Owned Real Property (such Branch, a &ldquo;<U>Leased Branch</U>&rdquo;). In the event that a Branch becomes
a Leased Branch in accordance with this Section 2.1.4(b), the real property associated with the Leased Branch shall no longer be
deemed to be &ldquo;Owned Real Property&rdquo; (and the consideration to be paid by Purchaser shall be reduced by the Net Book
Value of the real property associated with the Leased Branch as included in the calculation of the Purchase Price); <I>provided</I>
that, for the avoidance of doubt, Purchaser shall remain obligated to, in accordance with the terms of this Agreement, (i) purchase
all other Assets and assume all other Assumed Liabilities associated with the Leased Branch and (ii) subject to the terms of Section
8.6, hire all Branch Employees related to the Leased Branch.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any Commitments identify any Lien Defect, Seller shall make a good faith effort to cure such Lien Defect to Purchaser&rsquo;s reasonable
satisfaction (or otherwise cause the Title Insurer to insure over or delete such Lien Defect in the Title Policy) on, or prior
to, the Closing Date. If Seller (i) does not cure any such Lien Defect to Purchaser&rsquo;s reasonable satisfaction (or otherwise
cause the Title Insurer to insure over or delete such Lien Defect in the Title Policy) prior to the Closing, and Purchaser does
not elect to waive such Lien Defect, or (ii) is unable to deliver insurable fee simple title subject only to Permitted Encumbrances,
then in either such events described in the foregoing clauses (i) or (ii), Purchaser may (as its sole remedy) elect to cause, by
giving Seller written notice (A) the Branch located on such Owned Real Property to be a Leased Branch and (B) Seller and Purchaser
to enter into a Leased Branch Agreement with respect to such Branch. In the event that a Branch becomes an Leased Branch in accordance
with this Section 2.1.4(c), the real property associated with the Leased Branch shall no longer be deemed to be &ldquo;Owned Real
Property&rdquo; (and the consideration to be paid by Purchaser shall be reduced by the Net Book Value of the real property or lease
associated with the Leased Branch as included in the calculation of the Purchase Price); <I>provided</I> that, for the avoidance
of doubt, Purchaser shall remain obligated to, in accordance with the terms of this Agreement, (i) purchase all other Assets and
assume all other Assumed Liabilities associated with the Leased Branch and (ii) subject to the terms of Section 8.6, hire all Branch
Employees related to the Leased Branch.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
3</B></FONT><BR>
<BR>
<B>CLOSING PROCEDURES; ADJUSTMENTS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing</U>.
(a) The Closing will be held at the offices of Wachtell, Lipton, Rosen &amp; Katz, 51 West 52<FONT STYLE="font-size: 10pt">nd </FONT>Street,
New York, New York 10019 or such other place as may be agreed to by the parties.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the satisfaction or, where legally permitted, the waiver of the conditions set forth in Article 9, the parties anticipate that
the Closing Date shall be August 16, 2013 or an earlier mutually agreeable date, or, if the Closing cannot occur on such date,
on a date and time as soon thereafter as practicable after receipt of the Regulatory Approvals and the expiration of all related
statutory waiting periods, except as otherwise provided in the next sentence of this Section 3.1(b). Unless the parties agree pursuant
to Section 4.9(a) that the conversion of the data processing with respect to the Branches and Assumed Liabilities will be performed
on a date other than the Closing Date, the Closing Date shall be a Friday and the conversion will be completed prior to the opening
of business on the following Business Day.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
at Closing</U>. (a) At Closing, in consideration for the purchase of the Assets, Purchaser will assume the Assumed Liabilities
and the following payment will be made: (i)&nbsp;if the Estimated Payment Amount is a positive amount, Seller shall pay to Purchaser
an amount in U.S. dollars equal to such positive amount, or (ii) if the Estimated Payment Amount is a negative amount, Purchaser
shall pay to Seller an amount in U.S. dollars equal to the absolute value of such negative amount.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
payments to be made hereunder by one party to the other shall be made by wire transfer of immediately available funds (in all cases
to an account specified in writing by Seller or Purchaser, as the case may be, to the other not later than the third (3<SUP>rd</SUP>)
Business Day prior to the Closing Date) on or before 12:00 noon, Eastern time, on the date of payment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any instrument of transfer contemplated herein shall
be recorded in any public record before the Closing and thereafter the Closing does not occur, then at the request of such transferring
party the other party will deliver (or execute and deliver) such instruments and take such other action as such transferring party
shall reasonably request to revoke such purported transfer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustment
of Purchase Price</U>. (a) On or before 12:00 noon, Eastern time, on the thirtieth (30th) calendar day following the Closing Date,
Seller shall deliver to Purchaser the Final Closing Statement and shall make available the work papers, schedules and other supporting
data used by Seller to calculate and prepare the Final Closing Statement to enable Purchaser to verify the amounts set forth in
the Final Closing Statement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
determination of the Adjusted Payment Amount shall be final and binding on the parties hereto on the thirtieth (30<SUP>th</SUP>)
calendar day after receipt by Purchaser of the Final Closing Statement, unless Purchaser shall notify Seller in writing of its
disagreement with any amount included therein or omitted therefrom, in which case, if the parties are unable to resolve the disputed
items within ten (10) Business Days of the receipt by Seller of notice of such disagreement, such items in dispute (and only such
items) shall be determined by a nationally recognized independent accounting firm selected by mutual agreement between Seller and
Purchaser, and such determination shall be final and binding. Such accounting firm shall be instructed to resolve the disputed
items within ten (10) Business Days of engagement, to the extent reasonably practicable. The determination of such accounting firm
shall be final and binding on the parties hereto. The fees of any such accounting firm shall be divided equally between Seller
and Purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On
or before 12:00 noon, Eastern time, on the fifth (5th) Business Day after the Adjusted Payment Amount shall have become final and
binding or, in the case of a dispute, the date of the resolution of the dispute pursuant to Section 3.3(b), if the Adjusted Payment
Amount exceeds the Estimated Payment Amount, Seller shall pay to Purchaser an amount in U.S. dollars equal to the amount of such
excess, plus interest on such excess amount from the Closing Date to but excluding the payment date, at the Federal Funds Rate
or, if the Estimated Payment Amount exceeds the Adjusted Payment Amount, Purchaser shall pay to Seller an amount in U.S. dollars
equal to the amount of such excess, plus interest on such excess amount from the Closing Date to but excluding the payment date,
at the Federal Funds Rate. Any payments required by Section 3.4 shall be made contemporaneously with the foregoing payment.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Proration;
Other Closing Date Adjustments</U>. (a) Except as otherwise specifically provided in this Agreement, it is the intention of the
parties that Seller will operate the Branches for its own account until 11:59 p.m., Eastern time, on the Closing Date, and that
Purchaser shall operate the Branches, hold the Assets and assume the Assumed Liabilities for its own account after the Closing
Date. Thus, except as otherwise specifically provided in this Agreement, certain items of income and expense that relate to the
Assets, the Deposits and the Branches shall be prorated as provided in Section 3.4(b) as of 11:59 p.m., Eastern time, on the Closing
Date. Those items being prorated Items of proration will be handled at the Closing as an adjustment to the Purchase Price, or if
not able to be calculated, in the Final Closing Statement, unless otherwise agreed by the parties hereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Agreement, items of proration and other adjustments shall include: (i) base rental and additional rental payments
under the Equipment Leases and the Tenant Leases and periodic payments under the Assumed Contracts; (ii) FDIC deposit insurance
assessments; (iii) assessments paid or payable to the OCC attributable to the Branches from and after the Closing Date; (iv) trustee
or custodian fees on Deposits in IRAs and Keogh Accounts; (v) to the extent relating to the Assets or the Assumed Liabilities,
prepaid expenses and items and accrued but unpaid liabilities, as of the close of business on the Closing Date; (vi) safe deposit
rental payments previously received by Seller; (vii) Property Taxes either assessed, due or payable as of the Closing Date (and
calculated based upon the most current information available for the counties in which each of the real properties are located);
(viii) fees for customary annual or periodic licenses or permits; (ix) water, sewer, fuel and utility charges; and (x) other prepaid
items of income and expense, in each case calculated as of 11:59 p.m., Eastern time on the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Seller
Deliveries</U>. At the Closing, Seller shall deliver to Purchaser:</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
bill of sale in substantially the form of Exhibit 3.5(b), pursuant to which the Personal Property shall be transferred to Purchaser;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
assignment and assumption agreement in substantially the form of Exhibit 3.5(c), with respect to the Assumed Liabilities<FONT STYLE="color: black">,
except for Loans as contemplated by Section 3.5(j)</FONT> (the &ldquo;<U>Assignment and Assumption Agreement</U>&rdquo;);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment
and assumption agreements in substantially the form of Exhibit 3.5(d), with respect to each of the Tenant Leases (the &ldquo;<U>Tenant
Assignments</U>&rdquo;) and, subject to Section 7.4(b), estoppel certificates from the subtenants under the Tenant Leases;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment
and assumption agreements in substantially the form of Exhibit 3.5(e), with respect to each of the Equipment Leases (the &ldquo;<U>Equipment
Lease Assignments</U>&rdquo;);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Assignment
and assumption agreements in substantially the form of Schedule 3.5(f), with respect to each of the Assumed Contracts (the &ldquo;<U>Assumed
Contract Assignments</U>&rdquo;);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
certificate required to be delivered by Seller pursuant to Section 9.1(e);</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller&rsquo;s
resignation as trustee or custodian, as applicable, with respect to each Deposit in an IRA or Keogh Account included in the Deposits
and designation of Purchaser as successor trustee or custodian with respect thereto, as contemplated by Section 2.4;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
certificate of non-foreign status pursuant to Treasury Regulation Section 1.1445-2(b)(2) from Seller, duly executed and acknowledged,
substantially in the form of the sample certificates set forth in Treasury Regulation 1.1445-2(b)(2)(iv)(B);</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)
an executed global assignment of the Loan Documents, in substantially the form of Exhibit 3.5(j)-1 (the &ldquo;<U>Loan Document
Assignment</U>&rdquo;), assigning all of the rights, benefits and title to each of the Loans, and (ii) a power of attorney duly
executed by Seller and granting Purchaser the ability to take the certain actions on Seller&rsquo;s behalf in substantially the
form of Exhibit 3.5(j)-2;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Affidavits
and such other customary documentation as shall be reasonably required by the Title Insurer and reasonably acceptable to Seller
(and not increasing Seller&rsquo;s obligations beyond its obligations under this Agreement, taking into consideration the caps,
baskets and survival periods set forth in this Agreement) to issue Title Insurance with respect to the Real Property insuring Purchaser
or its designee as owner of marketable fee simple title in the case of each of the Owned Real Properties, subject to only Permitted
Encumbrances;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Safe Deposit Agreements, Seller&rsquo;s keys to the safe deposit boxes and all other records as exist and are in Seller&rsquo;s
possession or control related to the safe deposit box business at the Branches;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
required pursuant to Section 2.1.4, the Leased Branch Lease Agreements; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
mark-up and signed commitment by the Title Insurer to issue the Title Insurance.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchaser
Deliveries</U>. At the Closing, Purchaser shall deliver to Seller:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Assignment and Assumption Agreement;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser&rsquo;s
acceptance of its appointment as successor trustee or custodian, as applicable, of the IRA and Keogh Accounts included in the Deposits
and assumption of the fiduciary obligations of the trustee or custodian with respect thereto, as contemplated by Section 2.4;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Tenant Assignments and such other instruments and documents as any subtenant under a Tenant Lease may reasonably require as necessary
or desirable for providing for the assumption by Purchaser of a Tenant Lease, each such instrument and document in form and substance
reasonably satisfactory to the parties and dated as of the Closing Date;</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Equipment Lease Assignments and such other instruments and documents as any lessor under an Equipment Lease may reasonably require
as necessary or desirable for providing for the assumption by Purchaser of an Equipment Lease, each such instrument and document
in form and substance reasonably satisfactory to the parties and dated as of the Closing Date;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Assumed Contract Assignments and such other instruments and documents as any party under an Assumed Contract may reasonably require
as necessary or desirable for providing for the assumption by Purchaser of an Assumed Contract, each such instrument and document
in form and substance reasonably satisfactory to the parties and dated as of the Closing Date;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Loan Documents Assignment and such other instruments and documents as Seller may reasonably require as necessary or desirable for
providing for the assumption by Purchaser of the Loan Documents, each such instrument and document in form and substance reasonably
satisfactory to the parties and dated as of the Closing Date;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
required pursuant to Section 2.1.4, the Leased Branch Lease Agreements; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
certificate required to be delivered by Purchaser pursuant to Section 9.2(e).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery
of the Loan Documents</U>. <FONT STYLE="color: black">Seller shall deliver to Purchaser or its designee the Loan Documents (reasonably
organized and cataloged), </FONT>actually in the possession or control of Seller or any of its Affiliates,<FONT STYLE="color: black">
in whatever form or medium (including imaged documents) then maintained by Seller or its Affiliates. </FONT>Seller shall use reasonable
best efforts to electronically deliver Loan Documents in electronic format to Purchaser on the day following the Closing Date.
Seller shall use reasonable best efforts to deliver to Purchaser the Loan Documents in paper format to Purchaser on the first Business
Day following the Closing Date. Except to the extent expressly provided for in this Agreement, Seller shall have no responsibility
or liability for the Loan Documents from and after the time such files are delivered by Seller to Purchaser or to an independent
third party designated by Purchaser for shipment to Purchaser<FONT STYLE="color: black">, the cost of which shall be the borne
equally by Seller and Purchaser</FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Owned
Real Property Filings</U>. On the Closing Date (or as soon as is practical thereafter with respect to any Owned Real Property that
the provisions of this Section 3.8 are not completed on the Closing Date), Seller and Purchaser shall cause the Title Insurer to
file or record, or cause to be filed or recorded, any and all documents necessary in order to vest in Purchaser legal and equitable
title to the Owned Real Property free and clear of all Encumbrances other than Permitted Encumbrances. The Title Insurance and
all escrow closing costs shall be borne equally by Purchaser and Seller.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">3.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Allocation
of Purchase Price</U>. (a) No later than ninety (90) calendar days after the final determination of the Adjusted Payment Amount
in accordance with the procedures set forth in Section 3.3, Purchaser shall prepare and deliver to Seller a draft of a statement
(the &ldquo;<U>Draft Allocation Statement</U>&rdquo;) setting forth the allocation of the total consideration paid by Purchaser
to Seller pursuant to this Agreement among the Assets for purposes of Section 1060 of the Code. If, within thirty (30) calendar
days of the receipt of the Draft Allocation Statement, Seller shall not have objected in writing to such draft, the Draft Allocation
Statement shall become the Final Allocation Statement, as defined below. If Seller objects to the Draft Allocation Statement in
writing within such thirty (30) calendar-day period, Purchaser and Seller shall negotiate in good faith to resolve any disputed
items. If, within ninety (90) calendar days after the final determination of the Adjusted Payment Amount in accordance with the
procedures set forth in Section 3.3, Purchaser and Seller fail to agree on such allocation, any disputed aspects of such allocation
shall be resolved by a nationally recognized independent accounting firm mutually acceptable to Purchaser and Seller. The allocation
of the total consideration, as agreed upon by Purchaser and Seller (as a result of either Seller&rsquo;s failure to object to the
Draft Allocation Statement or of good faith negotiations between Purchaser and Seller) or determined by an accounting firm under
this Section 3.9(a) (the &ldquo;<U>Final Allocation Statement</U>&rdquo;), shall be final and binding upon the parties. Each of
Purchaser and Seller shall bear all fees and costs incurred by it in connection with the determination of the allocation of the
total consideration, except that the parties shall each pay one-half (50%) of the fees and expenses of such accounting firm.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
and Seller shall report the transaction contemplated by this Agreement (including income Tax reporting requirements imposed pursuant
to Section 1060 of the Code) in accordance with the allocation specified in the Final Allocation Statement. Each of Purchaser and
Seller agrees to timely file, or cause to be timely filed, IRS Form 8594 (or any comparable form under state or local Tax law)
and any required attachment thereto in accordance with the Final Allocation Statement. Except as otherwise required pursuant to
a &ldquo;determination&rdquo; under Section 1313 of the Code (or any comparable provision of state or local law), neither Purchaser
nor Seller shall take, or shall permit its Affiliates to take, a Tax position which is inconsistent with the Final Allocation Statement.
In the event any party hereto receives notice of an audit in respect of the allocation of the consideration paid for the Assets,
such party shall immediately notify the other party in writing as to the date and subject of such audit. Any adjustment to the
Purchase Price pursuant to Section 3.3 shall be allocated among the Assets by reference to the item or items to which such adjustment
is attributable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
4</B></FONT><BR>
<BR>
<B>TRANSITIONAL MATTERS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transitional
Arrangements</U>. Seller and Purchaser agree to cooperate and to proceed as follows to effect the transfer of account record responsibility
for the Branches:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
later than fifteen (15) calendar days after the date of this Agreement, Seller will meet with Purchaser at Seller&rsquo;s headquarters
or via teleconference or video conference to investigate, confirm and agree upon mutually acceptable transaction settlement procedures
and specifications, files, procedures and schedules, for the transfer of account record responsibility; <I>provided</I>, <I>however</I>,<I>
</I>that Seller shall not be obligated under this Agreement to provide Purchaser (i) any information regarding Seller&rsquo;s relationship
with the customers outside of the relevant Branch (e.g., other customer products, householding information) or (ii) any email conversion
and forwarding, RightFax forwarding, phone forwarding services.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
shall use commercially reasonable efforts to deliver to Purchaser the specifications and conversion sample files within thirty
(30) calendar days after the date of this Agreement, but in no event shall the delivery the specifications and conversion sample
files occur more than forty-five (45) calendar days after the date of this Agreement.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
time to time prior to the Closing, after Purchaser has tested and confirmed the conversion sample files, Purchaser may request
and Seller shall provide reasonable additional file-related information, including complete name and address, account masterfile,
ATM account number information, applicable transaction and stop/hold/caution information, account-to-account relationship information
and any other related information with respect to the Deposits and the Loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
later than fifteen (15) calendar days after the date of this Agreement, Purchaser shall complete Seller&rsquo;s information security
assessment and, in connection therewith, Purchaser shall promptly provide Seller with all information related to Purchaser and
its Affiliates that is reasonably requested by Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
later than thirty (30) calendar days after the date of this Agreement, Purchaser and Seller shall mutually agree upon (i) a calendar
for all customer notifications to be sent pursuant to and in accordance with Section 4.2 and (ii) the mailing file requirements
of Purchaser in connection with such customers notifications.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Customers</U>.
(a) Not later than thirty (30) calendar days nor earlier than sixty (60) calendar days prior to the Closing Date (except as otherwise
required by applicable law):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">&nbsp;(i)</TD><TD>Seller will notify the holders of Deposits to be transferred on the Closing Date that, subject to the terms and conditions
of this Agreement, Purchaser will be assuming liability for such Deposits; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">(ii)</TD><TD>each of Seller and Purchaser shall provide, or join in providing where appropriate, all notices to customers of the Branches
and other Persons that either Seller or Purchaser, as the case may be, is required to give under applicable law or the terms of
any other agreement between Seller and any customer in connection with the transactions contemplated hereby; <I>provided</I> that
Seller and Purchaser agree that any joint notices shall not include any dual-branded letters but instead shall include individual
bank inserts for each of Seller and Purchaser.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">A party proposing to send or publish any notice or communication
pursuant to this Section 4.2 shall furnish to the other party a copy of the proposed form of such notice or communication at least
five (5) Business Days in advance of the proposed date of the first mailing, posting, or other dissemination thereof to customers,
and shall not unreasonably refuse to amend such notice to incorporate any changes that the other such party proposes as necessary
to comply with applicable law. Seller shall have the right to add customer transition information to any customer notifications
to be sent by Purchaser pursuant to this Section 4.2 and such information may, at Seller&rsquo;s option, be included either directly
in Purchaser&rsquo;s notification or in an additional insert that shall accompany the applicable Purchaser notification. Any customer
notifications sent by Purchaser pursuant to this Section 4.2 shall only include the last four digits of any account number of Seller.
All costs and expenses of any notice or communication sent or published by Purchaser or Seller shall be the responsibility of the
party sending such notice or communication and all costs and expenses of any joint notice or communication shall be shared equally
by Seller and Purchaser. As soon as reasonably practicable and in any event within forty-five (45) calendar days after the date
hereof, Seller shall provide to Purchaser a report of the names and addresses of the owners of the Deposits, the borrowers on the
Loans and the lessees of the safe deposit boxes as of a recent date hereof in connection with the mailing of such materials<FONT STYLE="color: black">
and Seller shall provide updates to such report at reasonable intervals thereafter upon the reasonable request of Purchaser from
time to time</FONT>. No communications by Purchaser, and no communications by Seller outside the ordinary course of business, to
any such owners, borrowers, customers or lessees as such shall be made prior to the Closing Date except as provided in this Agreement
or otherwise agreed to by the parties in writing.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Following
the giving of any notice described in paragraph (a) above, Purchaser and Seller shall deliver to each new customer at any of the
Branches such notice or notices as may be reasonably necessary to notify such new customers of Purchaser&rsquo;s pending assumption
of liability for the Deposits and to comply with applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Purchaser nor Seller shall object to the use, by depositors of the Deposits, of payment orders or cashier&rsquo;s checks issued
to or ordered by such depositors on or prior to the Closing Date, which payment orders bear the name, or any logo, trademark, service
mark or the proprietary mark of Seller or any of its Affiliates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="text-underline-style: none; color: windowtext">As
soon as practicable after the notice provided in Section 4.2(a) has been provided, Purchaser shall notify Deposit account customers
and Loan account customers that, upon the expiration of a post-Closing processing period, which shall be sixty (60) calendar days
after the Closing Date, any Items that are drawn on Seller shall not thereafter be honored by Seller. Such notice shall be given
by delivering written instructions to such effect to such Deposit account customers and Loan account customers in accordance with
this Section 4.2</FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Direct
Deposits</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
will use its reasonable best efforts to provide to Purchaser on the Closing Date all of those automated clearing house (&ldquo;<U>ACH</U>&rdquo;)
originator arrangements related (by agreement or other standing arrangement, if any) to the Deposits that are in Seller&rsquo;s
ACH warehouse system and will use its reasonable best efforts to so transfer any other such arrangements. For a period of sixty
(60) calendar days following the Closing, in the case of ACH direct deposits to accounts constituting Deposits (the final Business
Day of such period being the &ldquo;<U>ACH Direct Deposit Cut-Off Date</U>&rdquo;), Seller shall transfer to Purchaser all received
ACH direct deposits at 9:00 a.m., Eastern time (or such other mutually agreed upon time), each Business Day. Such transfers shall
contain Direct Deposits effective for that Business Day only. Compensation for ACH direct deposits not forwarded to Purchaser on
the same Business Day as that on which Seller has received such deposits will be handled in accordance with the applicable rules
established by the United States Council on International Banking. After the ACH Direct Deposit Cut-Off Date, Seller may discontinue
accepting and forwarding ACH entries and funds and return such direct deposits to the originators marked &ldquo;Account Closed.&rdquo;
Seller and its Affiliates shall not be liable for any overdrafts that may thereby be created. Purchaser and Seller shall agree
on a reasonable period of time prior to the Closing during which Seller will no longer be obligated to accept new direct deposit
arrangements related to the Branches. At the time of the ACH Direct Deposit Cut-Off Date, Purchaser will provide ACH originators
with account numbers relating to the Deposits.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
agrees that in the event that it or any of its Affiliates receives an ACH direct deposit related to the Deposits prior to the Closing
(each, an &ldquo;<U>Unauthorized ACH Deposit</U>&rdquo;), Purchaser shall not accept such Unauthorized ACH Deposit and return the
related direct deposits to the originators.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;After
the Closing Date, Seller shall (i) no longer be obligated to process or forward to Purchaser any incoming or outgoing wires received
by Seller for credit to accounts constituting Deposits, (i) return all wires received after the Closing Date to the originator
as unable to apply to the referenced account constituting a Deposit and (iii) upo<U>n reasonable r</U>equest by Purchaser, provide
Purchaser with historical incoming wire history information with respect to the thirteen (13) month period prior to the Closing
Date (the &ldquo;<U>Covered Period</U>&rdquo;) such that Purchaser is able to provide current wire instructions to the originator
from and after the Closing Date. The wire history information provided under the terms of the previous sentence shall include the
beneficiary account number, beneficiary account name, cumulative value and total number of wires received during the Covered Period.
Purchaser shall provide a unique and singular communication with specific new wire instructions to the receivers (beneficiaries)
who have received ten (10) or more wires during the Covered Period.&nbsp; Such specific instructions must be provided in writing
to the applicable receivers (beneficiaries) no less than thirty (30) calendar days prior to the Closing Date.&nbsp; Seller shall
provide reports to Purchaser for any customers who have data resident on Seller&rsquo;s wire transfer-specific application, including
wire templates (repetitive wire instructions), standing order transfers or PINs authorizing the sender to directly contact the
wire operation for the initiation of a wire transfer.&nbsp;&nbsp; At least five (5) Business Days prior to the Closing Date, Purchaser
shall contact these specific clients to provide such clients with information regarding Purchaser&rsquo;s services, capabilities
and use instructions or reasonable substitutions.&nbsp;&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Direct
Debits</U>. As soon as practicable after the notice provided in Section 4.2(a), Purchaser shall send appropriate notice to all
customers having accounts constituting Deposits the terms of which provide for direct debit of such accounts by third parties,
instructing such customers concerning the transfer of customer direct debit authorizations from Seller to Purchaser. Such notice
shall be in a form reasonably agreed to by the parties. For a period of sixty (60) calendar days following the Closing, Seller
shall transfer to Purchaser all received direct debits on accounts constituting Deposits at 9:00 a.m., Eastern time (or such other
mutually agreed upon time), each Business Day. Such transfers shall contain Direct Debits effective for that Business Day only.
Thereafter, Seller may discontinue forwarding such entries and return them to the originators marked &ldquo;Account Closed.&rdquo;
Purchaser and Seller shall agree on a reasonable period of time prior to the Closing during which Seller will no longer be obligated
to accept new direct debit arrangements related to the Branches. Beginning on the Closing Date, Purchaser shall provide ACH originators
of such direct debits with account numbers relating to the Deposits.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access
to Records</U>. (a) For a period of ten (10) years from the Closing Date, each of the parties shall permit the other, at such other
party&rsquo;s sole expense, reasonable access to any applicable Records in its possession or control relating to matters arising
on or before the Closing Date and reasonably necessary, solely in connection with (i) accounting purposes, (ii) regulatory purposes,
(iii) any claim, action, litigation or other proceeding involving the party requesting access to such Records, (iv) any legal obligation
owed by such party to any present or former depositor or other customer, or (v) Tax purposes, subject to confidentiality requirements.
Such party requesting such access shall not use the Records or any information contained therein or derived therefrom for any other
purpose whatsoever. All Records, whether held by Purchaser or Seller, shall be maintained for the greater of (x) ten (10) years
and (y) such periods as are required by applicable law, unless the parties shall agree in writing to a longer period.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each party agrees that any records
or documents that come into its possession as a result of the transactions contemplated by this Agreement, to the extent relating
to the other party&rsquo;s business and not relating solely to the Assets and Assumed Liabilities, shall remain the property of
the other party and shall, upon the other party&rsquo;s request from time to time and as it may elect in its sole discretion, be
returned to the other party or destroyed, and each party agrees not to make any use of such records or documents and to keep such
records and documents confidential in accordance with Sections 7.2(b) and 7.2(c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest
Reporting and Withholding</U>. (a) Unless otherwise agreed to by the parties, Seller will report to applicable taxing authorities
and holders of Deposits, with respect to the period from January&nbsp;1 of the year in which the Closing occurs through the Closing
Date, all interest (including dividends and other distributions with respect to money market accounts) credited to, withheld from
and any early withdrawal penalties imposed upon the Deposits. Purchaser will report to the applicable taxing authorities and holders
of Deposits, with respect to all periods from the day after the Closing Date, all such interest credited to, withheld from and
any early withdrawal penalties imposed upon the Deposits. Any amounts required by any governmental agencies to be withheld from
any of the Deposits through the Closing Date will be withheld by Seller in accordance with applicable law or appropriate notice
from any governmental agency and will be remitted by Seller to the appropriate agency on or prior to the applicable due date. Any
such withholding required to be made subsequent to the Closing Date will be withheld by Purchaser in accordance with applicable
law or appropriate notice from any governmental agency and will be remitted by Purchaser to the appropriate agency on or prior
to the applicable due date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unless
otherwise agreed to by the parties, Seller shall be responsible for delivering to payees all IRS notices and forms with respect
to information reporting and tax identification numbers required to be delivered through the Closing Date with respect to the Deposits,
and Purchaser shall be responsible for delivering to payees all such notices required to be delivered following the Closing Date
with respect to the Deposits.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">Unless
otherwise agreed to by the parties, Seller will make all required reports to applicable taxing authorities and to obligors on Loans
purchased on the Closing Date, with respect to the period from January 1 of the year in which the Closing occurs through the Closing
Date, concerning all interest and points received by Seller. Purchaser will make all required reports to applicable taxing authorities
and to obligors on Loans purchased on the Closing Date, with respect to all periods from the day after the Closing Date, concerning
all such interest and points received.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Negotiable
Instruments</U>. Seller will remove any supply of Seller&rsquo;s money orders, official checks, gift checks, travelers&rsquo; checks
or any other negotiable instruments located at each of the Branches on the Closing Date.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>ATM
and Debit Cards</U>. Seller will use its reasonable best efforts to provide Purchaser with a list of ATM and debit cards issued
by Seller to depositors of any Deposits, and a record thereof in a format reasonably agreed to by the parties containing all addresses
therefor, no later than thirty (30) calendar days after the date of this Agreement, and in no event later than forty-five (45)
days after the date of this Agreement, and Seller will provide Purchaser with an updated record from time to time prior to the
Closing along with other conversion sample files. At or promptly after the Closing, Seller will provide Purchaser with a revised
record through the Closing. In instances where a depositor of a Deposit made an assertion of error regarding an account pursuant
to the Electronic Funds Transfer Act and Federal Reserve Board Regulation E, and Seller, prior to the Closing, recredited the disputed
amount to the relevant account during the conduct of the error investigation, Purchaser agrees to comply with a written request
from Seller to debit such account in a stated amount and remit such amount to Seller, to the extent of the balance of funds available
in the accounts. Seller agrees to indemnify Purchaser for any claims or losses that Purchaser may incur as a result of complying
with such request from Seller. Seller will not be required to disclose to Purchaser customers&rsquo; PINs or algorithms or logic
used to generate PINs. Following the receipt of all Regulatory Approvals (except for the expiration of statutory waiting periods),
Purchaser shall reissue ATM access/debit cards to depositors of any Deposits not earlier than forty-five (45) calendar days nor
later than twenty (20) calendar days prior to the Closing Date, which cards shall be effective as of the day following the Closing
Date. Purchaser and Seller agree to settle any and all ATM transactions and Debit card transactions effected on or before the Closing
Date, but processed after the Closing Date, as soon as practicable. In addition, Purchaser assumes responsibility for and agrees
to pay on presentation all Debit card transactions initiated before or after the Closing with Debit cards issued by Seller to access
Transaction Accounts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Data
Processing Conversion for the Branches and Handling of Certain Items</U>. (a) The conversion of the data processing with respect
to the Branches and the Assets and Assumed Liabilities will be completed on the Closing Date unless otherwise agreed to by the
parties. Seller and Purchaser agree to cooperate to facilitate the orderly transfer of data processing information in connection
with the P&amp;A Transaction. Within ten (10) Business Days of the date of this Agreement, Purchaser and/or its representatives
shall be permitted reasonable access (subject to the provisions of Section 7.2(a)) to review each Branch for the purpose of planning
to install automated equipment for use by Branch personnel. Following the receipt of the Regulatory Approvals (except for the expiration
of statutory waiting periods), Purchaser shall be permitted, at its expense and without interfering with the operation of the Branches,
to install and test communication lines, both internal and external, from each site and prepare for the installation of automated
equipment on the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
soon as practicable and in no event more than three (3) Business Days after the Closing Date, Purchaser shall mail to each depositor
in respect of a Transaction Account (i)&nbsp;a letter approved by Seller requesting that such depositor promptly cease writing
Seller&rsquo;s drafts against such Transaction Account and (ii) new drafts which such depositor may draw upon Purchaser against
such Transaction Accounts. Purchaser shall use its reasonable best efforts to cause these depositors to begin using such new drafts
and cease using drafts bearing Seller&rsquo;s name. The parties hereto shall use their reasonable best efforts to develop procedures
that cause Seller&rsquo;s drafts against Transaction Accounts received after the Closing Date to be cleared through Purchaser&rsquo;s
then-current clearing procedures. During the sixty (60) calendar-day period after the Closing Date, if it is not possible to clear
Transaction Account drafts through Purchaser&rsquo;s then-current clearing procedures, Seller shall make available to Purchaser
as soon as practicable but in no event more than three (3) Business Days after receipt all Transaction Account drafts drawn against
Transaction Accounts. Seller shall have no obligation to pay such forwarded Transaction Account drafts. Upon the expiration of
such sixty (60) calendar-day period, Seller shall cease forwarding drafts against Transaction Accounts. Seller shall be compensated
for its processing of the drafts and for other services rendered to Purchaser during the sixty (60) calendar-day period following
the Closing Date in accordance with Exhibit 4.9.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
items that were credited for deposit to or cashed against a Deposit prior to the Closing and are returned unpaid on or within sixty
(60) calendar days after the Closing Date (&ldquo;<U>Returned Items</U>&rdquo;) will be handled as set forth herein. Except as
set forth below, Returned Items shall be the responsibility of Seller. If depositor&rsquo;s bank account at Seller is charged for
the Returned Item, Seller shall forward such Returned Item to Purchaser. If upon Purchaser&rsquo;s receipt of such Returned Item
there are sufficient funds in the Deposit to which such Returned Item was credited or any other Deposit transferred at the Closing
standing in the name of the party liable for such Returned Item, Purchaser will debit any or all of such Deposits an amount equal
in the aggregate to the Returned Item, and shall repay that amount to Seller. If there are not sufficient funds in the Deposit
because of Purchaser&rsquo;s failure to honor holds placed on such Deposit, Purchaser shall repay the amount of such Returned Item
to Seller. Any items that were credited for deposit to or cashed against an account at the Branches to be transferred at the Closing
prior to the Closing and are returned unpaid more than sixty (60) calendar days after the Closing will be the responsibility of
Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the sixty (60) calendar-day period after the Closing Date, any deposits or other payments received by Purchaser in error shall
be returned to Seller within two (2) Business Days of receipt by Purchaser.<FONT STYLE="color: black"> For thirty (30) calendar
days after the Closing, payments received by Seller with respect to any Loans shall be forwarded to Purchaser within two (2) Business
Days of receipt by Seller.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">No
later than thirty (30) calendar days prior to the Closing Date, Purchaser will open and maintain two demand deposit accounts with
Seller, one for deposits and one for loans/lines, to be used for settlement activity following the Closing Date</FONT>. Seller
will provide Purchaser with a daily statement for these accounts. Purchaser will be responsible for initiating all funding and
draw-down activity against these accounts. Purchaser will ensure that all debit (negative) balances are funded no later than one
day following the day the account went into a negative status. Activity that will be settled through these accounts will include:
items drawn on a Deposit but presented to the Seller for payment, ACH transactions, Direct Debit transactions, Returned Items<FONT STYLE="color: black">,
and payments made to Seller for Loans</FONT>.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee
Training</U>. In accordance with the terms of this Agreement, within <FONT STYLE="text-underline-style: none; color: windowtext">fifteen
(15) calendar days of the date of this Agreement, </FONT>Seller and Purchaser shall <FONT STYLE="text-underline-style: none; color: windowtext">agree
to mutually acceptable terms and conditions under which Purchaser shall be permitted to provide training and &ldquo;town hall&rdquo;
informational meetings to</FONT> Seller&rsquo;s employees at the Branches who <FONT STYLE="text-underline-style: none; color: windowtext">are
reasonably anticipated to become Transferred Employees; it being agreed that, prior to, and on, the Closing Date, all Branch Employees
shall remain under Seller&rsquo;s control. Any such training shall not occur until the earlier of: (a) receipt of Regulatory Approvals
(except for the expiration of statutory waiting periods), or (b) sixty (60) days prior to the Closing Date. Any such training shall
be conducted in a manner that will not unreasonably interfere with the business activities of the Branches. </FONT>Purchaser shall
reimburse Seller for the additional time spent by, and all related, reasonable travel expenses incurred by, any such prospective
Transferred Employee in connection with such training activities <FONT STYLE="text-underline-style: none; color: windowtext">and
&ldquo;town hall&rdquo; informational meetings </FONT>to the extent such time and expenses would not have been spent or incurred
by such prospective Transferred Employee but for such training activities, and Purchaser shall reimburse Seller for any reasonable
incremental costs and expenses (including compensation related costs and expenses) incurred in connection with replacement employees
for such prospective Transferred Employees excused from their duties at the Branches for such training activities for the periods
during which such prospective Transferred Employees are excused, where such replacement employees are reasonably determined by
Seller to be needed to maintain ongoing operations at the Branches without disruption. As promptly as practicable following the
date of this Agreement, Purchaser shall provide Seller with Purchaser&rsquo;s proposed plan for the training of all anticipated
Transferred Employees and, within ten (10) Business Days of Seller&rsquo;s receipt of such plan, Seller shall provide Purchaser
with an estimate of the anticipated costs of implementing Purchaser&rsquo;s proposed training program. Notwithstanding the foregoing,
Seller and Purchaser shall reasonably cooperate in good faith to minimize the costs of such training program in a manner consistent
with achieving its intended purpose. In addition, from and after the date of this Agreement until the Closing Date, Purchaser shall
consult with Seller and obtain Seller&rsquo;s consent before communicating (directly or indirectly and whether in writing, verbally
or otherwise) with any Branch Employees, whether relating to employee benefits, the terms of employment following the Closing Date
or otherwise.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Night
Drop Equipment</U>. Following the Closing and prior to the first Business Day following the Closing Date, Purchaser shall rekey
all night drop equipment located within the Branches in such a manner that, from and after the first Business Day following the
Closing Date, no Person who was had the ability to access such night drop equipment prior to the Closing shall be able to continue
to access such night drop equipment with the same access key that such Person was using prior to the Closing. The parties hereby
acknowledge and agree that all of the night drop equipment located within the Branches shall be sealed by Seller at approximately
8:00 a.m., Eastern time, on the Closing Date and, from and after such time, Purchaser shall not unseal such night drop equipment
until it has been rekeyed in accordance with the preceding sentence. The costs and expenses of completing such rekeying shall be
borne equally by Seller and Purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses
Relating to Transitional Matters</U>. Purchaser shall be responsible for the payment of all documented, out-of-pocket third party
fees or expenses reasonably incurred by Seller in connection with the preparation of the Branches for transfer to Purchaser in
accordance with the terms of this Agreement;<I> provided</I> that, with respect to each such Branch, Purchaser&rsquo;s obligation
under this Section 4.12 shall not exceed $2,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access
to the Branches on the Closing Date</U>. Purchaser agrees that, with respect to each Branch, on the Closing Date neither it nor
any of its agents, Affiliates or representatives shall be permitted to access such Branch until Seller has completed its decommissioning
of such Branch, which shall include the disabling of Seller&rsquo;s information systems at the Branch and the removal of any personal
property, equipment or other assets located at the Branch that do not constitute Assets; it being agreed that, notwithstanding
the foregoing, on the Closing Date, Purchaser shall be permitted to have a reasonable number of representatives present at each
Branch in order to transition the Branch and to ensure that the actions taken by Seller in connection with such decommissioning
comply with the terms of this Agreement.</P>

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Seller represents and warrants to Purchaser<FONT STYLE="text-underline-style: none; color: windowtext">,
both as of the date hereof and as of the Closing Date (except for representations and warranties that are made as of a specified
date),</FONT> as follows, except as set forth in the Seller Disclosure Schedule:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate
Organization and Authority</U>. Seller is a national banking association, duly organized and validly existing under the laws of
the United States, and has the requisite power and authority to conduct the business now being conducted at the Branches. Seller
and each of its Affiliates has the requisite corporate power and authority and has taken all shareholder and corporate action necessary
in order to execute and deliver this Agreement and any instruments and documents executed pursuant hereto, and to consummate the
transactions contemplated hereby. This Agreement has been duly and validly executed and delivered by Seller and (assuming due authorization,
execution and delivery by Purchaser) is a valid and binding agreement of Seller enforceable against Seller in accordance with its
terms subject, as to enforcement, to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of
general applicability relating to or affecting creditors&rsquo; rights and to general equity principles.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Conflicts</U>.
The execution, delivery and performance of this Agreement and any instruments and documents executed pursuant hereto by Seller
does not, and will not, (i)&nbsp;violate any provision of its charter or by-laws, (ii) subject to Regulatory Approvals, violate
or constitute a breach of, or default under, any law, rule, regulation, judgment, decree, ruling or order of any Regulatory Authority
to which Seller is subject or any agreement or instrument of Seller, or to which Seller is subject or by which Seller is otherwise
bound, which violation, breach, contravention or default referred to in this clause (ii), individually or in the aggregate, would
reasonably be expected to have a Material Adverse Effect (assuming the receipt of any required third party consents under the Equipment
Leases and the Assumed Contracts in respect of the transactions herein contemplated)<FONT STYLE="color: black"> or (iii) violate,
conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event that
with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination
or cancellation under, accelerate the performance required by, or result in the creation of any Encumbrance (other than a Permitted
Encumbrance) upon any of the Assets under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed
of trust, license, lease, agreement or other instrument or obligation to which Seller is a party, or by which it or any of its
properties or assets may be bound or affected, which breach, conflict, loss of benefit, termination, cancellation, acceleration,
Encumbrance, violation or default would materially impact the Assets and Assumed Liabilities or would materially prevent or delay
Seller from performing its obligations under this Agreement in all material respects</FONT>. Seller has all material licenses,
franchises, permits, certificates of public convenience, orders and other authorizations of all federal, state and local governments
and governmental authorities necessary for the lawful conduct of its business at each of the Branches as now conducted in all material
respects, and all such licenses, franchises, permits, certificates of public convenience, orders and other authorizations, are
valid and in good standing and, to Seller&rsquo;s knowledge, are not subject to any suspension, modification or revocation or proceedings
related thereto.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Approvals
and Consents</U>. Other than Regulatory Approvals, no notices, reports or other filings are required to be made by Seller with,
nor are any consents, registrations, approvals, permits or authorizations required to be obtained by Seller from, any governmental
or regulatory authorities of the United States or the several States in connection with the execution and delivery of this Agreement
by Seller and the consummation of the transactions contemplated hereby by Seller. <FONT STYLE="color: black">There are no consents
or approvals of any other third party required to be obtained in connection with the execution and delivery of this Agreement by
Seller and the consummation of the transactions contemplated by this Agreement by Seller.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Leases</U>.
Purchaser has been provided by Seller with accurate and complete copies of all Tenant Leases, including all amendments to such
Tenant Leases. Each Tenant Lease is the valid and binding obligation of Seller, and to Seller&rsquo;s knowledge, of each other
party thereto; and there does not exist with respect to Seller&rsquo;s material obligations thereunder, or, to Seller&rsquo;s knowledge,
with respect to the material obligations of the lessor thereof, any default, or event or condition that constitutes or, after notice
or passage of time or both, would constitute a default on the part of Seller or sublessee, as applicable, under any such Tenant
Lease. Other than the Tenant Leases, there are no subleases relating to any Branch created or suffered to exist by Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Litigation
and Undisclosed Liabilities</U>. A true and complete list of all pending litigation related to the Branches is set forth on Schedule
5.5 of the Seller Disclosure Schedule, except for suits, actions or proceedings involving the collection of delinquent accounts
and garnishment proceedings in the ordinary course of business. <FONT STYLE="color: black">There are no actions, complaints, petitions,
suits or other proceedings or any decree, injunction, judgment, order or ruling entered, promulgated or pending or, to Seller&rsquo;s
knowledge, threatened against Seller and affecting or relating to in any manner the Branches, the Assets or the Assumed Liabilities
or against any of the Branches</FONT> that, individually or in the aggregate, would reasonably be expected to have a Material Adverse
Effect<FONT STYLE="color: black">. To Seller&rsquo;s knowledge, there are no facts or circumstances that would reasonably be expected
to result in any material claims, obligations or liabilities with respect to the Branches, the Assets or the Assumed Liabilities
other than as otherwise disclosed in this Agreement.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Matters</U>. (a) <FONT STYLE="color: black">T</FONT>here are no pending or, to Seller&rsquo;s knowledge, threatened disputes or
controversies between Seller and any federal, state or local governmental agency or authority, or investigation or inquiry by any
such agency or authority, materially affecting or relating to the Branches, the Assets or the Assumed Liabilities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Seller nor any of its Affiliates has received any indication from any federal or state governmental agency or authority that such
agency would oppose or refuse to grant a Regulatory Approval and Seller knows of no reason relating to Seller or its Affiliates
for any such opposition or refusal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Seller nor any of its Affiliates is a party to any written order, decree, agreement or memorandum of understanding with, or commitment
letter or similar submission to, any federal or state regulatory agency or authority charged with the supervision or regulation
of depository institutions, nor has any of them been advised by any such agency or authority that it is contemplating issuing or
requesting any such order, decree, agreement, memorandum of understanding, commitment letter or submission, in each case materially
affecting or relating to t<FONT STYLE="color: black">he Branches, the Assets or the Assumed Liabilities</FONT>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Laws</U>. <FONT STYLE="color: black">A</FONT>ll business of the Branches or relating to the Assets and the Assumed Liabilities
has been conducted in material compliance with all federal, state and local laws, regulations, rules and ordinances applicable
thereto.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Loans</U>.
(a) Each Loan:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;&nbsp;&nbsp;(i)</TD><TD>represents the valid and legally binding obligation of the obligor, maker, co-maker, guarantor, endorser or debtor (such person
referred to as an &ldquo;<U>Obligor</U>&rdquo;) thereunder, and is evidenced by legal, valid and binding instruments executed by
the Obligor and such instruments are included in the Loan Documents. Seller has no knowledge that any such Obligor at the time
of such execution lacked capacity to contract, and any signature on any Loan Documents is the true original or facsimile signature
of the Obligor on the Loan involved;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;&nbsp;(ii)</TD><TD>immediately following the sale of each Loan to Purchaser, will be owned by Purchaser free and clear of all Encumbrances;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;(iii)</TD><TD>(A) was made in the ordinary course of business, is accruing interest in accordance with its terms, and is evidenced by, as
applicable, notes and mortgages which are true and genuine, legal, valid, binding and is enforceable in accordance with its terms,
subject to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating
to or affecting creditors&rsquo; rights and to general equity principles, and (B) is free of any and there exists with respect
to such Loan no valid legal defense, offset counterclaim or set off;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;(iv)</TD><TD>(A) was originated by Seller in conformity in all material respects with applicable laws and regulations and its principal
balance as shown on Seller&rsquo;s books and records is true and correct as of the date indicated therein, (B) has an assignable
Encumbrance, to the extent secured by a Encumbrance in the collateral therefor, and has the priority reflected in Seller&rsquo;s
records, (C) contains customary and enforceable provisions such that the rights and remedies of the holder thereof shall be adequate
for the realization against any collateral therefore; complies with all applicable requirements of federal, state, and local laws,
and regulations thereunder, and (D) none of the rights or remedies under the documentation relating to the Loans has been amended,
modified, waived, subordinated or otherwise altered by Seller, except as evidenced by a written instrument which is a part of the
file with respect to the Loan and appropriately recorded as necessary to establish all rights of mortgagee into assignee;</TD></TR></TABLE>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;&nbsp;(v)</TD><TD>may be transferred or assigned by Seller to Purchaser without the approval of consent of any Obligor;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;(vi)</TD><TD>has been serviced by Seller consistent with Seller&rsquo;s practices in all material respects and has been in compliance in
all material respects with all applicable requirements of federal, state and local laws and regulations thereunder; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">(vii)</TD><TD>is serviced by the Seller, and there are no obligations, agreements or understandings that could result in any Loan becoming
subject to any third party servicing.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as set forth in Section 5.8(a) above, Seller makes no representation or warranty of any kind to Purchaser relating to the Loans,
including with respect to (i) the due execution, legality, validity, enforceability, genuineness, sufficiency, value or collectibility
of the Loans or any documents, instrument or agreement in the loan or credit file, including, without limitation, documents granting
a security interest in any collateral relating to a Loan, (ii) any representation, warranty or statement made by an Obligor or
other party in or in connection with any Loan, (iii) the financial condition or creditworthiness of any primary or secondary Obligor
under any Loan or any guarantor or surety or other Obligor thereof, (iv) the performance of the Obligor or compliance with any
of the terms or provisions of any of the documents, instruments and agreements relating to any Loan, (v) inspecting any of the
property, books or records of any Obligor, or (vi) any of the warranties set forth in Section 3-417 of the Uniform Commercial Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Records</U>.
The Records are correct, accurate and complete in all material respects and accurately reflect in all material respects as of their
respective dates the Net Book Value of the Assets and Assumed Liabilities being transferred to Purchaser hereunder. The Records
include all customary Branch, customer and customer-related information reasonably necessary to service the Deposits and Loans
on an ongoing basis and as may be required under applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Title
to Assets</U>. <FONT STYLE="color: black">Seller is the lawful owner of each of the Assets, free and clear of all Encumbrances
other than Permitted Encumbrances. </FONT>Subject to the terms and conditions of this Agreement, on the Closing Date, Purchaser
will acquire valid title to (subject to receipt of the consents and approvals set forth in Schedule 5.3 of the Seller&rsquo;s Disclosure
Schedule) all of the material Assets, free and clear of any Encumbrances.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Deposits</U>.
All of the Deposit accounts have been administered and originated, in compliance in all material respects with the documents governing
the relevant type of Deposit account and all applicable laws. The Deposit accounts are insured by the FDIC through the Deposit
Insurance Fund to the fullest extent permitted by law, and all premiums and assessments required to be paid in connection therewith
have been paid in full when due. <FONT STYLE="color: black">All of the Deposits are transferable at the Closing to Purchaser, and,
to Seller&rsquo;s knowledge, there are no Deposits that are subject to any judgment, decree or order of any Regulatory Authority.
</FONT>Prior to the date of this Agreement, Seller has provided Purchaser with forms of all deposit agreements related to the Deposits
and all such forms contain all material terms of the Deposits. The agreements relating to the Deposits contain all material terms
of the Deposits, and have been duly authorized, executed, and delivered by Seller and, to Seller&rsquo;s knowledge, the other Persons
who have executed such agreements, and, to Seller&rsquo;s knowledge, are valid, binding and enforceable against the Persons who
have executed the agreements. All agreements relating to Deposits, other than certificates of deposit, legally permit Purchaser
to unilaterally terminate or modify such agreements within thirty (30) days after the Closing Date without the consent of the depositor
or depositors and without penalty, subject to applicable law, delivery of any notice as may be specified in such agreements and
any applicable provisions in such agreements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental
Laws; Hazardous Substances</U>. Each parcel of Real Property:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;&nbsp;&nbsp;(i)</TD><TD>is and has been operated by Seller in material compliance with all applicable Environmental Laws;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;&nbsp;(ii)</TD><TD>is not the subject of any written notice received by Seller since the date Seller acquired (by way of merger or otherwise)
the applicable parcel of Real Property (a) from any governmental authority alleging the violation of or liability under any applicable
Environmental Laws or (b) to Seller&rsquo;s knowledge, from any other Person alleging a violation of or liability under a specified
Environmental Law;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;(iii)</TD><TD>to Seller&rsquo;s knowledge, is not currently subject to any court order, administrative order or decree arising under any
Environmental Law;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;(iv)</TD><TD>has not been used by Seller or, to Seller&rsquo;s knowledge, any other Person for the disposal of Hazardous Substances and,
to Seller&rsquo;s knowledge, is not contaminated with any Hazardous Substances requiring remediation or response under any applicable
Environmental Law;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;&nbsp;(v)</TD><TD>to Seller&rsquo;s knowledge, with respect to any Hazardous Substances, the only use of any such Hazardous Substances has been
in such amounts and types as is lawful under Environmental Law;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">&nbsp;(vi)</TD><TD>to Seller&rsquo;s knowledge, has not had any releases, emissions, or discharges of Hazardous Substances except as permitted
under applicable Environmental Laws; and</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.3in">(vii)</TD><TD>to Seller&rsquo;s knowledge, there are no (a) active or abandoned underground storage tanks, (b) gasoline or service stations,
or (c) dry-cleaning facilities or operations at, on, in or under any parcel of Real Property.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Brokers&rsquo;
Fees</U>. Seller has not employed any broker or finder or incurred any liability for any brokerage fees, commissions or finders&rsquo;
fees in connection with the transactions contemplated by this Agreement, except for the fees and commissions of Sandler O&rsquo;Neill
+ Partners, L.P., for which Seller shall be solely liable.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Property</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has good and marketable title, such as is insurable by the Title Insurer to the Owned Real Property, free and clear of all Encumbrances,
other than Permitted Encumbrances. No lien, judgment or encumbrance which (A) does not specifically pertain to the Owned Real Property
and (B) is insured by the title company insuring Purchaser&rsquo;s title to the Owned Real Property, shall be deemed to render
title to the Owned Real Property unmarketable or uninsurable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has not received any written notice of any material uncured current violations, citations, summonses, subpoenas, compliance orders,
directives, suits, other legal processes, or other written notice of potential liability under applicable zoning, building, fire
and other applicable laws and regulations relating to the Owned Real Property, and, except as would not reasonably be expected,
individually or in the aggregate, to materially affect Purchaser&rsquo;s use and enjoyment of the Owned Real Property, there is
no action, suit, proceeding or investigation pending or, to Seller&rsquo;s knowledge, threatened before any governmental authority
that relates to Seller or the Owned Real Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has not received any written notice of any actual or pending condemnation proceeding relating to the Branches, nor, to Seller&rsquo;s
knowledge, has any such proceeding been threatened.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has received no written notice of any material default or breach by Seller under any covenant, condition, restriction, right of
way or easement affecting the Owned Real Property or any portion thereof, and, to Seller&rsquo;s knowledge, no such default or
breach now exists.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Seller nor any of its Affiliates has entered into any agreement regarding the Real Property, and the Real Property is not subject
to any claim, demand, suit, lien, proceeding or litigation of any kind, pending or outstanding, or to Seller&rsquo;s knowledge,
threatened, that would be binding upon Purchaser or its successors or assigns and materially affect or limit Purchaser&rsquo;s
or its successors&rsquo; or assigns&rsquo; use and enjoyment of the Real Property or which would materially limit or restrict Purchaser&rsquo;s
right or ability to enter into this Agreement and consummate the sale and purchase contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has valid title to its Personal Property, free and clear of all Encumbrances, and has the right to sell, convey, transfer, assign
and deliver to Purchaser all of the Personal Property. The Personal Property is in working order in all material respects (subject
to ordinary wear and tear).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
than pursuant to a Tenant Lease, there are no tenants or other parties that have a possessory right in and to any of the Real Property
or any space in the Branches.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence
of Certain Changes or Events</U>. Since December 31, 2011, no event has occurred that has had, or would reasonably be expected
to have, individually or in the aggregate, a Material Adverse Effect.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee
Benefit Plans; Labor Matters</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has provided to Purchaser in writing complete and accurate lists of the Branch Employees as of no more than ten (10) Business Days
prior to the date of this Agreement, with such list indicating each Branch Employee&rsquo;s job title, status (active or on statutory
or employer approved leave and full-time or part-time), annual current salary or wage rate, incentive compensation for performance
year 2011, business location, exempt/non-exempt status under the Fair Labor Standards Act (as classified by Seller or its Affiliates),
regularly scheduled hours, job band, annual vacation entitlement, applicable incentive plan and date of hire (original and most
recent as applicable). Such lists shall be updated by Seller and provided to Purchaser thirty (30) calendar days following the
date hereof and on other dates as mutually agreed to by Purchaser and Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Benefit Plan in which the Branch Employees participate is a multiemployer plan within the meaning of Section 3(37) of ERISA or
a multiple employer plan within the meaning of Section 4063 of ERISA.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Branch Employee is a member of, represented by or otherwise subject to any (i) labor union, works council or similar organization
or (ii) collective bargaining agreement, in each case with respect to such Branch Employee&rsquo;s employment with Seller. With
respect to any Branch Employee, (i) Seller is not the subject of any proceeding seeking to compel it to bargain with any labor
organization as to wages and conditions of employment, nor to Seller&rsquo;s knowledge is any such proceeding threatened, and (ii)
no strike or similar labor dispute by the Branch Employees is pending or, to Seller&rsquo;s knowledge, threatened.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Available
Funds</U>. Seller has, and as of the Closing Date will have, sufficient funds to consummate the transactions contemplated by this
Agreement, including the making of payments pursuant to Section 3.2 and, if applicable, Section 3.3.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance.</U> Seller maintains in full
force and effect insurance on the Assets in such amounts and against such risks and losses as are customary and adequate for comparable
entities engaged in the same business and industry.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax Representations</U>. Seller has filed
all material Tax Returns required to be filed by Seller with respect to the Assets, the Assumed Liabilities or the Branches, such
Tax Returns are materially correct and complete, and all Taxes shown to be due on such Tax Returns have been or will be paid in
full. For all completed Tax years, Seller has sent to each account holder, to the extent required by applicable Tax law, with respect
to the Deposit Liabilities an IRS Form 1099 (or a substitute form permitted by law) relating to the interest, earnings, or dividends
paid on the Deposit Liabilities for those periods.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">5.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations
on Representations and Warranties</U>. Except for the representations and warranties specifically set forth in this Agreement,
neither Seller nor any of its agents, Affiliates or representatives, nor any other Person, makes or shall be deemed to make any
representation or warranty to Purchaser, express or implied, at law or in equity, with respect to the transactions contemplated
hereby, and Seller hereby disclaims any such representation or warranty whether by Seller or any of its officers, directors, employees,
agents or representatives or any other Person.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
6</B></FONT><BR>
<BR>
<B>REPRESENTATIONS AND WARRANTIES OF PURCHASER</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Purchaser represents and warrants to Seller<FONT STYLE="text-underline-style: none; color: windowtext">,
both as of the date hereof and as of the Closing Date (except for representations and warranties that are made as of a specified
date),</FONT> as follows, except as set forth in the Purchaser Disclosure Schedule:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate
Organization and Authority</U>. Purchaser is a national banking association, duly organized and validly existing under the laws
of the United States and has the requisite power and authority to conduct the business conducted at the Branches substantially
as currently conducted by Seller. Purchaser has the requisite corporate power and authority and has taken all corporate action
necessary in order to execute and deliver this Agreement, and any instruments and documents executed pursuant thereto, and to consummate
the transactions contemplated hereby. Assuming due authorization, execution and delivery by Seller, this Agreement is a valid and
binding agreement of Purchaser enforceable against Purchaser in accordance with its terms subject, as to enforcement, to bankruptcy,
insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating to or affecting
creditors&rsquo; rights and to general equity principles.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Conflicts</U>.
The execution, delivery and performance of this Agreement, and any instruments and documents executed pursuant hereto, by Purchaser
does not, and will not, (i)&nbsp;violate any provision of its charter or by-laws or (ii) subject to Regulatory Approvals, violate
or constitute a breach of, or default under, any law, rule, regulation, judgment, decree, ruling or order of any Regulatory Authority
to which Purchaser is subject or any agreement or instrument of Purchaser, or to which Purchaser is subject or by which Purchaser
is otherwise bound, which violation, breach, contravention or default referred to in this clause (ii), individually or in the aggregate,
would be reasonably expected to have a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Approvals
and Consents</U>. Other than the Regulatory Approvals, no notices, reports or other filings are required to be made by Purchaser
with, nor are any consents, registrations, approvals, permits or authorizations required to be obtained by Purchaser from, any
governmental or regulatory authorities of the United States or the several States in connection with the execution and delivery
of this Agreement by Purchaser and the consummation of the transactions contemplated hereby by Purchaser, the failure to make or
obtain any or all of which, individually or in the aggregate, would be reasonably expected to have a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Matters</U>. (a) There are no pending or, to Purchaser&rsquo;s knowledge, threatened disputes or controversies between Purchaser
and any federal, state or local governmental agency or authority that, individually or in the aggregate, would be reasonably expected
to have a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Purchaser nor any of its Affiliates has received any indication from any federal or state governmental agency or authority that
such agency would oppose or refuse to grant a Regulatory Approval and Purchaser knows of no reason that it will not timely receive
any necessary approval or authorization of all applicable bank Regulatory Authorities.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Purchaser nor any of its Affiliates are a party to any written order, decree, agreement or memorandum of understanding with, or
commitment letter or similar submission to, any federal or state regulatory agency or authority charged with the supervision or
regulation of depository institutions, nor has Purchaser been advised by any such agency or authority that such agency or authority
is contemplating issuing or requesting any such order, decree, agreement, memorandum of understanding, commitment letter or submission,
in each case which, individually or in the aggregate, would be reasonably expected to have a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
is, and on a <I>pro forma </I>basis giving effect to the P&amp;A Transaction, will be, (i) at least &ldquo;well capitalized&rdquo;
(as that term is defined at 12 C.F.R. 5.39(d)(11) or the relevant regulation of Purchaser&rsquo;s primary federal bank regulator),
and (ii) in compliance with all capital requirements, standards and ratios required by each state or federal bank regulator with
jurisdiction over Purchaser, and no such regulator has indicated that it may condition any of the Regulatory Approvals upon an
increase in Purchaser&rsquo;s capital or compliance with any capital requirement, standard or ratio.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
has no reason to believe that, as of the date hereof, it will be required to divest deposit liabilities, branches, loans or any
business or line of business, or raise capital or achieve increased regulatory capital ratios or otherwise modify its financial
condition or business at the request of any Regulatory Authority as a condition to the receipt of any of the Regulatory Approvals.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the subsidiaries or Affiliates of Purchaser that is an insured depository institution was rated &ldquo;Satisfactory&rdquo; or
&ldquo;Outstanding&rdquo; for performance under the Community Reinvestment Act (the &ldquo;<U>CRA</U>&rdquo;) following its most
recent CRA performance examination by a Regulatory Authority. Purchaser has neither been informed that its current rating will
or may be lowered in connection with a pending or future examination for CRA performance nor does it have knowledge of the existence
of any fact or circumstance or set of facts or circumstances that could reasonably be expected to result in Purchaser having its
current rating lowered.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
has received no notice of and has no knowledge of any planned or threatened objection by any community group to the transactions
contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Litigation
and Undisclosed Liabilities</U>. There are no actions, suits or proceedings pending or, to Purchaser&rsquo;s knowledge, threatened
against Purchaser, or obligations or liabilities (whether or not accrued, contingent or otherwise) or, to Purchaser&rsquo;s knowledge,
facts or circumstances that could reasonably be expected to result in any claims against or obligations or liabilities of Purchaser
that, individually or in the aggregate, would have a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Brokers&rsquo;
Fees</U>. Purchaser has not employed any broker or finder or incurred any liability for any brokerage fees, commissions or finders&rsquo;
fees in connection with the transactions contemplated by this Agreement, except for fees and commissions for which Purchaser shall
be solely liable.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financing
to be Available</U>. Purchaser&rsquo;s ability to consummate the transactions contemplated by this Agreement is not contingent
on raising any equity capital, obtaining financing therefor, consent of any lender or any other matter relating to funding the
P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">6.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations
on Representations and Warranties</U>. Except for the representations and warranties specifically set forth in this Agreement,
neither Purchaser nor any of its agents, Affiliates or representatives, nor any other Person, makes or shall be deemed to make
any representation or warranty to Seller, express or implied, at law or in equity, with respect to the transactions contemplated
hereby, and Purchaser hereby disclaims any such representation or warranty whether by Purchaser or any of its officers, directors,
employees, agents or representatives or any other Person.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
7</B></FONT><BR>
<BR>
<B>COVENANTS OF THE PARTIES</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Activity
in the Ordinary Course</U>. From the date hereof until the Closing Date, except (i) as set forth on Schedule 7.1 of the Seller
Disclosure Schedule, (ii) as may be required by a Regulatory Authority or applicable law or (iii) as contemplated hereby, <FONT STYLE="color: black">Seller
(a) will, with respect to the Branches, the Assets and the </FONT>Assumed <FONT STYLE="color: black">Liabilities, use its reasonable
best efforts to preserve its business relationships with depositors and customers related to the Loans, (b) will maintain the Branches
in their current condition, ordinary wear and tear excepted, (c) use its reasonable best efforts to conduct the business of the
Branches and preserve the Assets and Assumed Liabilities in all material respects in the ordinary and usual course of business
consistent with past practice, and (d) </FONT>shall not, without the prior written consent of Purchaser (such consent not to be
unreasonably withheld, conditioned or delayed):</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="text-underline-style: none; color: windowtext">(i)</FONT></TD><TD>Increase or agree to increase the salary or wage rate and incentive opportunity of any <FONT STYLE="text-underline-style: none; color: windowtext">Branch
Employee, </FONT>other than normal salary or wage increases in the ordinary course of business consistent with past practice (however,
<FONT STYLE="color: black">such increases shall, in no event, increase the aggregate cash compensation for Branch Employees by
more than 3% on an annualized basis or for any individual Branch Employee by more than 10%)</FONT>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">(ii)</FONT></TD><TD><FONT STYLE="text-underline-style: none; color: windowtext">Establish, adopt, enter into or amend any plan, agreement or arrangement
that provides incentive compensation, bonus or commissions exclusively for the benefit of the Branch Employees that would result
in any material increase in liability for Purchaser;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;(iii)</TD><TD>(A) Transfer any Branch Employee to another branch, facility or office of Seller or any of their respective Affiliates which
is not a Branch, or (B) transfer any employee of Seller or any of its Affiliates who, as of the date hereof, is not a Branch Employee
to any Branch other than in the ordinary course of business and consistent with past practices;</TD></TR></TABLE>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;(iv)</TD><TD>Hire any employee for any of the Branches other than in the ordinary course and consistent with past practices, including,
with respect to the type of position filled and the compensation and benefit levels;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;&nbsp;(v)</TD><TD><FONT STYLE="color: black">Terminate any Branch Employee, except in the ordinary course of business in accordance with existing
personnel policies and practices of Seller</FONT>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;(vi)</TD><TD>Establish or price Deposits at any Branch other than in the ordinary course of business consistent with Seller&rsquo;s past
practices (including deposit pricing policies in effect for such Branch as of the date hereof), subject to the limitation in (vii)
below;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;(vii)</TD><TD>Offer interest rates or terms on any category of Deposits at any Branch in a manner inconsistent with Seller&rsquo;s past practice
or, without limiting the generality of the foregoing, accept any brokered deposits at the Branches;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">(viii)</TD><TD>Transfer to or from any Branch to or from any of Seller&rsquo;s other operations or branches any material Assets or any Deposits,
except (A) pursuant to an unsolicited customer request<FONT STYLE="color: black"> or (B) if such Deposit is pledged as security
for a loan or other obligation that is not a Loan</FONT>;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;(ix)</TD><TD><FONT STYLE="color: black">Amend, modify or extend any Loan, except in the manner provided in Section 7.8;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;&nbsp;(x)</TD><TD><FONT STYLE="color: black">Originate any loan at the Branch or that is attributed to the Branch, except in the ordinary course
of business consistent with Seller&rsquo;s approved lending policies as existed on the date hereof;</FONT></TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;&nbsp;(xi)</TD><TD>Sell, transfer, assign, encumber or otherwise dispose of or enter into any contract, agreement or understanding to sell, transfer,
assign, encumber or dispose of any of the Assets or Deposits existing on the date hereof, except in the ordinary course of business
consistent with past practice;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;(xii)</TD><TD>Make or agree to make any material improvements to the Owned Real Property, except normal maintenance or refurbishing purchased
or made in the ordinary course of business;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">(xiii)</TD><TD><FONT STYLE="color: black">Close, sell, consolidate, relocate or materially alter any Branch or otherwise f</FONT>ile any application
or give any notice to relocate or close any Branch;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">(xiv)</TD><TD>Amend, terminate or extend in any material respect any Tenant Lease;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">&nbsp;(xv)</TD><TD>Release, compromise or waive any material claim or right that is part of the Assets or the Assumed Liabilities; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.4in">(xvi)</TD><TD>Agree with, or commit to, any person to do any of the things described in clauses (i) through (xv) except as contemplated hereby.</TD></TR></TABLE>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access
and Confidentiality</U>. (a) Until the earlier of the Closing Date and the date on which the Agreement is terminated pursuant to
Article 10, Seller shall afford to Purchaser and its officers and authorized agents and representatives reasonable access during
normal business hours to the properties, books, records, contracts, documents, files and other information of or relating to the
Assets, the Assumed Liabilities and the Branch Employees; <I>provided</I>, <I>however</I>, that nothing herein shall afford Purchaser
the right to review any information to the extent relating solely to loans held by Seller not constituting Loans, including information
regarding borrowers, or any information to the extent relating solely to Seller&rsquo;s other branches, facilities and operations
not subject to this Agreement. Seller shall identify to Purchaser, within fifteen (15) calendar days after the date hereof, a group
of its salaried personnel (with the necessary expertise and experience to assist Purchaser) that shall constitute a &ldquo;transition
group&rdquo; who will be available to Purchaser at reasonable times during normal business hours to provide information and assistance
in connection with Purchaser&rsquo;s investigation of matters relating to the Assets, the Assumed Liabilities and transition matters.
Such transition group will also work cooperatively to identify and resolve issues arising from any commingling of Records with
Seller&rsquo;s records for its other branches, assets and operations not subject to this Agreement. Seller shall furnish Purchaser
with such additional financial and operating data and other information about its business operations at the Branches as may be
reasonably necessary for the orderly transfer of the business operations of the Branches, and Purchaser shall be responsible for
any documented, out-of-pocket third party costs reasonably incurred by Seller in connection with furnishing such information; <I>provided,
however</I>, that nothing herein shall afford Purchaser the right to review any information relating to loans held by Seller not
constituting Loans, including information regarding borrowers or any information relating to Seller&rsquo;s other branches, facilities
and operations not subject to this Agreement. Any investigation pursuant to this Section 7.2(a) shall be conducted in such manner
as not to unreasonably interfere with the conduct of Seller&rsquo;s business. Notwithstanding the foregoing, Seller shall not be
required to provide access to or disclose information where such access or disclosure would impose an unreasonable burden on Seller,
or any employee of Seller, or would violate or prejudice the rights of customers, jeopardize any attorney-client privilege or contravene
any law, rule, regulation, order, judgment, decree, fiduciary duty or binding agreement entered into and disclosed to Purchaser
prior to the date of this Agreement. Seller and Purchaser shall use commercially reasonable efforts to make appropriate substitute
disclosure arrangements under circumstances in which the restrictions of the preceding sentence apply.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
and after the date of this Agreement, Seller shall keep confidential non-public information in its possession (other than information
which was or becomes available to Seller on a non-confidential basis from a source other than Purchaser or any of its Affiliates)
relating to Purchaser, its Affiliates, the Branches, the Assets and the Assumed Liabilities; <I>provided</I>, <I>however</I>, that
Seller shall not be liable hereunder with respect to any disclosure to the extent such disclosure is required pursuant to legal
process (including pursuant to the assertion of Seller&rsquo;s rights under this Agreement) (by interrogatories, subpoena, civil
investigative demand or similar process), regulatory process or request, or to the extent such disclosure is reasonably necessary
for purposes of compliance by Seller or its Affiliates with tax or regulatory reporting requirements; <I>provided</I> that in the
event of any disclosure pursuant to legal process Seller exercises reasonable best efforts to preserve the confidentiality of the
non-public information disclosed, including by cooperating with Purchaser to obtain an appropriate protective order or other reliable
assurance that confidential treatment will be accorded the non-public information required to be disclosed.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
and after the Closing, Purchaser shall keep confidential non-public information in its possession (other than information which
was or becomes available to Purchaser on a non-confidential basis from a source other than Seller or any of its Affiliates) relating
to Seller and its Affiliates other than the Branches, the Assets and the Assumed Liabilities; <I>provided</I>, <I>however</I> that
Purchaser shall not be liable hereunder with respect to any disclosure to the extent such disclosure is required pursuant to legal
process (including pursuant to the assertion of Purchaser&rsquo;s rights under this Agreement) (by interrogatories, subpoena, civil
investigative demand or similar process) or regulatory process or request; <I>provided</I> that in the event of any disclosure
pursuant to legal process Purchaser exercises commercially reasonable efforts to preserve the confidentiality of the non-public
information disclosed, including by cooperating with Seller to obtain an appropriate protective order or other reliable assurance
that confidential treatment will be accorded the non-public information required to be disclosed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. (a) As soon as practicable and in no event later than twenty (20) Business Days after the date of this Agreement,
Purchaser shall prepare and file any applications, notices and filing required in order to obtain the Regulatory Approvals. Purchaser
shall take all necessary actions to obtain each such approval as promptly as reasonably practicable and Purchaser shall not, and
shall cause its Affiliates not to, knowingly take any action that would be expected to have the effect of denying or materially
delaying or conditioning such approval. Seller will cooperate in connection therewith (including the furnishing of any information
and any reasonable undertaking or commitments that may be required to obtain the Regulatory Approvals). Each party will provide
the other with copies of any applications and all correspondence relating thereto prior to filing, other than material filed in
connection therewith under a claim of confidentiality.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The parties shall promptly advise
each other upon receiving any communication from any Regulatory Authority whose consent or approval is required for consummation
of the transactions contemplated by this Agreement that causes such party to believe that there is a reasonable likelihood that
the Regulatory Approvals or any other consent or approval required hereunder will not be obtained or that the receipt of any such
approval will be materially delayed.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser shall not, and shall cause its Affiliates
to not, knowingly take any action that would reasonably be expected to result in a Material Adverse Effect.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents</U>.
(a) Seller agrees to use reasonable best efforts to obtain from lessors under Equipment Leases and counterparties under Assumed
Contracts and any other parties the consent of which is required in order to assign or transfer any Asset or Deposit to Purchaser
on the Closing Date, any required consents to such assignment or transfer to Purchaser on the Closing Date; <I>provided</I> that,
in the case of any Equipment Lease, if any consent set forth in this Section 7.4(a) is not obtained notwithstanding Seller&rsquo;s
use of reasonable best efforts as required hereunder, the parties shall negotiate in good faith and Seller and Purchaser shall
use reasonable best efforts to make alternative arrangements reasonably satisfactory to Purchaser that provide Purchaser, to the
extent reasonably possible, the benefits and burdens of the properties subject to Equipment Leases in a manner that does not violate
the applicable Equipment Lease (for the same cost as would have applied if the relevant consent had been obtained); <I>provided</I>,
<I>further</I>, that neither Seller nor any of its Affiliates shall be required to commence any litigation or offer or grant any
accommodation (financial or otherwise) to any third party to obtain such authorizations, approvals, consents, negative clearances
or waivers; and <I>provided</I>, <I>further</I>, that Seller shall not be obligated to incur any monetary obligations or expenditures
to the parties whose consent is requested in connection with the utilization of its reasonable best efforts to obtain any such
required consents. If any alternative arrangement is implemented between Seller and Purchaser at or prior to the Closing, the parties
shall continue after the Closing to exercise reasonable best efforts to obtain the related consents that could not be obtained
prior to the Closing, and, if such a consent is obtained, Seller shall assign to Purchaser the applicable Equipment Lease pursuant
to the terms of this Agreement applicable to leases assigned at Closing, and the parties shall restructure the applicable alternative
arrangement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b) Unless otherwise directed by Purchaser,
Seller shall use reasonable best efforts to procure estoppel certificates substantially in the form of Exhibit 7.4(b) attached
hereto from each subtenant under Tenant Leases, which certificates shall be at the expense of Seller; <I>provided</I> that Seller
shall not be obligated to incur any monetary obligations or expenditures to subtenants in connection with the utilization of commercially
reasonable efforts to obtain such estoppel certificates.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Efforts
to Consummate; Further Assurances</U>. (a) Purchaser and Seller agree to use reasonable best efforts to satisfy or cause to be
satisfied as soon as practicable their respective obligations hereunder and the conditions precedent to the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
time to time following the Closing, at Purchaser&rsquo;s request and sole expense, Seller will duly execute and deliver such assignments,
bills of sale, deeds, acknowledgments and other instruments of conveyance and transfer as shall be necessary or appropriate to
vest in Purchaser the full legal and equitable title to the Assets and the Assumed Liabilities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Section 4.3, on and after the Closing Date, each party will promptly deliver to the other, at such other party&rsquo;s expense,
all mail and other communications properly addressable or deliverable to the other as a consequence of the P&amp;A Transaction;
and without limitation of the foregoing, on and after the Closing Date, Seller shall promptly forward any mail, communications
or other material relating to the Deposits or the Assets transferred on the Closing Date, including that portion of any IRS &ldquo;B&rdquo;
tapes that relates to such Deposits, to such employees of Purchaser at such addresses as may from time to time be specified by
Purchaser in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
hereby gives Seller further assurances that in the event that, following the Closing Date, Purchaser receives or otherwise possesses
any asset or liability of Seller that the parties reasonably agree is not an Asset or an Assumed Liability, Purchaser shall promptly
execute, acknowledge and deliver all such instruments as may be reasonably necessary to effectively vest in Seller title to such
asset or liability, as is reasonably agreed to by each party; <I>provided</I> that, for the avoidance of doubt, the terms of this
Section 7.5(d) are not intended to limit or otherwise modify in any way the parties' rights and obligations under this Agreement.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
hereby gives Purchaser further assurances that in the event that, following the Closing Date, Seller possesses any asset or liability
of Seller that the parties reasonably agree is an Asset or an Assumed Liability Seller shall, promptly execute, acknowledge and
deliver all such instruments as may be reasonably necessary to effectively vest in Purchaser title to such asset or liability,
as is reasonably agreed to by each party; <I>provided</I> that, for the avoidance of doubt, the terms of this Section 7.5(e) are
not intended to limit or otherwise modify in any way the parties' rights and obligations under this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event any transfer of an asset or liability of Seller is undertaken pursuant to Section 7.5(d) or Section 7.5(e), the parties
shall, as between themselves, treat any such asset or liability as having been or not been transferred, as the case may be, as
of the Closing with an appropriate adjustment reflected in the Final Closing Statement as reasonably agreed to by the parties.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Closing Date, Seller shall provide notice to Purchaser to the extent that Seller has knowledge of any facts or circumstances
that exist that would result in the termination of any Branch Employee based on Seller&rsquo;s application of its personnel policies
and practices then in effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Solicitation
of Accounts; Non-Solicitation</U>. (a) For a two (2) year period following the Closing Date, Seller agrees that it will not (i)
use confidential information contained in Branch customer information files or Records that relates to the Assets and Assumed Liabilities
that are to be assumed by Purchaser pursuant to this Agreement to solicit financial services business, including deposits, loans
and other financial products, of the type offered through the Branches as of the date hereof, or (ii) establish or maintain any
branch banking office in the counties listed on Exhibit 7.6(a) serving the mass retail and small commercial banking markets of
the type conducted by Seller as of the date hereof; <I>provided</I>, <I>however</I>, that, for the avoidance of doubt, this Section
7.6(a) shall not prohibit or in any way limit Seller or any of its Affiliates, after the Closing Date, from (1) owning and operating
ATMs that are not attached to or affiliated with a branch banking office, or (2) offering products and services to customers as
part of the businesses of Seller and its Affiliates that are not being sold hereunder, including the conduct of the global wealth,
investment management and home loans businesses of Seller or its Affiliates, so long as such activities are not conducted through
the use of the confidential information described in the preceding clause (i). Except as set forth in this Section 7.6, nothing
in this Agreement shall be construed to at any time prohibit or otherwise limit Seller or any of its Affiliates from soliciting
financial services or any other businesses, including deposits, loans and other financial products.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior to the Closing Date, Purchaser
agrees that it will not attempt to solicit Branch customers through advertising nor transact its business in a way intended to
induce such customers to close any account and open accounts directly with Purchaser. Notwithstanding the foregoing sentence, Purchaser
and its Affiliates shall be permitted to (i) engage in advertising, solicitations or marketing campaigns not targeted at such customers,
and relationships that result therefrom, (ii) engage in lending, deposit, safe deposit, trust or other financial services with
customers who have relationships as of the date hereof through other offices of Purchaser or product channels, (iii) respond to
unsolicited inquiries by such customers with respect to banking or other financial services, and engage in relationships that result
therefrom, and (iv) provide notices or communications relating to the transactions contemplated hereby in accordance with the provisions
hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For a period of two (2) years following
the Closing Date, Seller will not, and shall cause its Affiliates not to, solicit for employment any Transferred Employee; <I>provided</I>,
<I>however</I>, that nothing in this Section 7.6(c) shall be deemed to prohibit Seller or its Affiliates from (i) making general
solicitations not targeted at Transferred Employees (including job announcements in newspapers and industry publications or on
the Internet), (ii) soliciting any Transferred Employee whose employment is terminated by Purchaser prior to Seller, or any of
its Affiliates, soliciting such Transferred Employee, (iii) soliciting any Transferred Employee who has not been employed by Purchaser
or its Affiliates during the six (6) month period prior to the solicitation not otherwise permitted hereunder or (iv) using employee
search firms, so long as such employee search firms are not instructed to and do not engage in targeted solicitations of Transferred
Employees.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If any provision or part of this
Section 7.6 is held by a court or other authority of competent jurisdiction to be invalid or unenforceable, the parties agree that
the court or authority making such determination will have the power to reduce the duration or scope of such provision or to delete
specific words or phrases as necessary (but only to the minimum extent necessary) to cause such provision or part to be valid and
enforceable. If such court or authority does not have the legal authority to take the actions described in the preceding sentence,
the parties agree to negotiate in good faith a modified provision that would, in so far as possible, reflect the original intent
of this Section 7.6 without violating applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>.
Seller will maintain in effect until the Closing Date all casualty and public liability policies relating to the Branches and maintained
by Seller on the date hereof or to procure comparable replacement coverage and maintain such policies or replacement coverage in
effect until the Closing. Purchaser shall provide all casualty and public liability insurance for the Branches after the Closing.
In the event of any material damage, destruction or condemnation affecting Real Property between the date hereof and the time of
the Closing, Purchaser shall have the right to exclude any Real Property so affected from the Assets to be acquired, require Seller
to take reasonable steps to repair or replace the damaged or destroyed property, or require Seller to deliver to Purchaser any
insurance proceeds and other payments, to the extent of the fair market value or the replacement cost of the Real Property, received
by Seller as a result thereof unless, in the case of damage or destruction, Seller has repaired or replaced the damaged or destroyed
property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black"><U>Servicing
Prior to Closing Date</U>. With respect to each of the Loans, from the date hereof until the Closing Date, Seller shall service
such Loans in a manner that is consistent with the servicing provided by Seller with respect to its loans that are not to be transferred
to Purchaser under the terms of this Agreement. Further, without the prior written consent of Purchaser (which consent shall not
be unreasonably withheld, conditioned or delayed), Seller shall not (a) except as required by law, regulation or the terms of the
Loan Documents, release any collateral or any party from any liability on or with respect to any of the Loans; (b) compromise or
settle any material claims of any kind or character with respect to the Loans; or (c) except as required by law or regulation or
to the extent consistent with prevailing market terms and in the ordinary course of business consistent in all material respects
with past practice, modify, amend or waive any of the material terms of any Loan as set forth in the Loan Documents.</FONT></P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Name, Etc.</U>&#9; Immediately after the Closing, Purchaser will (a) change the name and logo on all documents, Branches and
other facilities relating to the Assets and the Assumed Liabilities to Purchaser&rsquo;s name and logo, (b) notify all persons
whose Loans, Deposits or Safe Deposit Agreements are transferred under this Agreement of the consummation of the transactions contemplated
by this Agreement, and (c) provide all appropriate notices to the OCC and any other Regulatory Authorities required as a result
of the consummation of such transactions. Seller shall cooperate with any commercially reasonable request of Purchaser directed
to accomplish the removal of Seller&rsquo;s signage (or the removal of signage of an Affiliate of Seller, if applicable) by Purchaser
and the installation of Purchaser&rsquo;s signage by Purchaser; <I>provided</I>, <I>however</I>, that (i) all such removals and
all such installations shall be at the expense of Purchaser, (ii) such removals and installations shall be performed in an environmentally
friendly manner (including the recycling of such materials) and in such a manner that does not unreasonably interfere with the
normal business activities and operations of the Branches and Purchaser shall repair any damage to the area altered to its pre-existing
condition, (iii) such installed signage shall comply with all applicable zoning and permitting laws and regulations, (iv) such
installed signage shall have, if necessary, received the prior approval of the owner or landlord of the facility, and such installed
signage shall be covered in such a way as to make Purchaser signage unreadable at all times prior to the Closing, but such cover
shall display the name and/or logo of Seller (or of its Affiliates) in a manner reasonably acceptable to Seller and (v) if this
Agreement is terminated prior to the Closing, Purchaser shall immediately and at its sole expense restore such signage and any
other area altered in connection therewith to its pre-existing condition. During the fourteen (14) calendar day period following
the Closing, Purchaser shall afford to Seller and its authorized agents and representatives reasonable access during normal business
hours to the Branches to allow Seller the opportunity to confirm Purchaser&rsquo;s compliance with the terms of this Section 7.9.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">7.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Deactivation/Shut Down of ATMs and ATM/Debit
Cards</U>. Seller shall shut down all ATMs and all automated teller machine, and shall deactivate all debit cards issued with respect
to all Deposit accounts (and electronically block access of those cards to the Deposit accounts), (a) with respect to ATMs and
all automated teller machines, no later than 2:00 p.m., Eastern time, on the Closing Date and (b) with respect to debit cards,
11:00 p.m., Eastern time, on the Closing Date. Seller and Purchaser shall reasonably cooperate in good faith to undertake the deactivation
of such ATMs and cards in a manner that is the least disruptive to Customers as reasonably practicable. Point-of-sale transactions
shall be settled between Purchaser and Seller for a period of forty-five (45) days after the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
8</B></FONT><BR>
<BR>
<B>TAXES AND EMPLOYEE BENEFITS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Proration
of Taxes</U>. For purposes of this Agreement, in the case of any Straddle Period, (a) Property Taxes for the Pre-Closing Tax Period
shall be equal to the amount of such Property Taxes for the entire Straddle Period multiplied by a fraction, the numerator of which
is the number of days during the Straddle Period that are in the Pre-Closing Tax Period and the denominator of which is the number
of days in the entire Straddle Period, and (b) Taxes (other than Property Taxes) for the Pre-Closing Tax Period shall be computed
as if such taxable period ended as of the close of business on the Closing Date.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sales
and Transfer Taxes</U>. Seller and Purchaser shall be equally responsible for the payment of all transfer, recording, documentary,
stamp, sales, use (including all bulk sales Taxes) and other similar Taxes and fees (collectively, the &ldquo;<U>Transfer Taxes</U>&rdquo;),
that are payable or that arise as a result of the P&amp;A Transaction, when due. Seller shall file any Tax Return that is required
to be filed in respect of Transfer Taxes described in this Section 8.2 when due, and Purchaser shall cooperate with respect thereto
as necessary.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Information
Returns</U>. At the Closing or as soon thereafter as is practicable, Seller shall provide Purchaser with a list of all Deposits
on which Seller is back-up withholding as of the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Amount Due under Article 8</U>. Any payment by Seller to Purchaser, or to Seller from Purchaser, under this Article 8 (other
than payments required by Section 8.2, which shall be paid when determined) to the extent due at the Closing may be offset against
any payment due the other party at the Closing. All subsequent payments under this Article 8 shall be made as soon as determinable
and shall be made as provided in Section 3.2(b) and bear interest from the date due to the date of payment at the Federal Funds
Rate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assistance
and Cooperation</U>. After the Closing Date, each of Seller and Purchaser shall:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make
available to the other and to any taxing authority as reasonably requested all relevant information, records, and documents relating
to Taxes with respect to the Assets, the Assumed Liabilities, or the operation of the Branches;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provide
timely notice to the other in writing of any pending or proposed Tax audits (with copies of all relevant correspondence received
from any taxing authority in connection with any Tax audit or information request) or Tax assessments with respect to the Assets,
the Assumed Liabilities, or the operation of the Branches for taxable periods for which the other may have a liability under this
Agreement; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
party requesting assistance or cooperation shall bear the other party&rsquo;s reasonable out-of-pocket expenses in complying with
such request to the extent that those expenses are attributable to fees and other costs of unaffiliated third party service providers.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">8.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transferred
Employees</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Offers
of Employment</U>.</P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>General</U>. At least
sixty (60) calendar days prior to the Closing Date, and effective as of the Closing Date, Purchaser agrees that it shall, or shall
cause one of its Affiliates to, offer employment to each Branch Employee who is actively employed by Seller as of the Closing Date
and, subject to Section 8.6(a)(ii) below, to each Leave Recipient, and, effective as of the applicable Transfer Date, Purchaser
will, subject to such Branch Employee or Leave Recipient satisfying standard pre-employment screening requirements, employ each
such employee who has accepted the offer. Following the Closing Date, each Branch Employee employed by Purchaser shall, from and
after the Transfer Date, be defined as a &ldquo;<U>Transferred Employee</U>&rdquo; for purposes of this Agreement. Subject to the
provisions of this Section 8.6, Transferred Employees shall, if applicable, be subject to the employment terms, conditions and
rules applicable to other similarly situated employees of Purchaser. Nothing contained in this Agreement shall be construed as
an employment contract between Purchaser and any Branch Employee or Transferred Employee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Special Provisions for
Leave Recipients</U>. With respect to any Branch Employee who is not actively at work on the Closing Date as a result of an approved
leave of absence (including military leave with reemployment rights under federal law and leave under the Family and Medical Leave
Act of 1993) (collectively, the &ldquo;<U>Leave Recipients</U>&rdquo;), Purchaser shall make an offer of employment in the manner
required by Section 8.6(a)(i), contingent on such Leave Recipient&rsquo;s return to active status within six (6) months following
the Closing Date or such longer period as may be required by applicable law. When a Leave Recipient who has (A) accepted the offer
and (B) satisfied standard pre-employment screening requirements returns to active status pursuant to the terms hereof, such Leave
Recipient shall be considered a Transferred Employee.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Terms
of Offer</U>. Each Branch Employee shall be offered employment subject to the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Branch Employee&rsquo;s
base salary shall be at least equivalent to the rate of annual base salary or regular hourly wage rate, as applicable, paid by
Seller to such Branch Employee as of the Business Day prior to the Closing Date;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Branch Employee shall
have the same incentive compensation opportunity as is available to other similarly situated employees of Purchaser, as in effect
from time to time;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Branch Employee shall
be eligible to receive employee benefits substantially comparable to those available to other similarly situated employees of Purchaser,
as in effect from time to time;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each Branch Employee shall
be offered employment at a job location that is no more than thirty (30) miles from such Branch Employee&rsquo;s primary workplace
immediately prior to the Closing Date; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Transferred Employees shall
become employees-at-will of Purchaser.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-indent: 42pt">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severance
Payments</U>. With respect to any Transferred Employee whose employment is terminated by Purchaser for any reason other than cause
(as determined by Purchaser in its sole discretion consistent with its customary standards and procedures with respect to similarly
situated employees of Purchaser) on or before the first anniversary of the applicable Transfer Date, Purchaser shall pay to such
Transferred Employee the greater of (a) the amount of cash severance pay (not including any health and welfare benefits) such Transferred
Employee would have received if he or she separated from Seller under Seller&rsquo;s severance policy as described in Schedule
8.6(c) of the Seller Disclosure Schedule, or (b) the amount of cash severance pay (not including any health and welfare benefits
unless health and welfare benefits are provided to other similarly situated employees of Purchaser) payable to such Transferred
Employee under any applicable severance plan of Purchaser in effect at the time of such termination; <I>provided</I>, <I>however</I>,
in each case such Transferred Employee shall be credited for service with Seller as described in Section 8.6(d) of this Agreement;
<I>provided, further</I>, that Purchaser shall not be required to provide any health and welfare benefits as part of the severance
to any Transferred Employee, unless health or welfare benefits are provided to other similarly situated employees of Purchaser.
In addition and notwithstanding any provision herein to the contrary, if a Branch Employee does not receive an offer from Purchaser
in compliance with Section 8.6(b) of this Agreement and such Branch Employee&rsquo;s employment with Seller is terminated by Seller
in connection with the transactions contemplated by this Agreement (and in no event later than three (3) months following the Transfer
Date), then Purchaser shall reimburse Seller, within thirty (30) days of receipt of an invoice from Seller, for the costs of any
severance benefits (including the costs incurred during any notice period or pay in lieu of notice) payable by Seller to such Branch
Employee as provided in this Section 8.6(c).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Credit
for Service</U>. Purchaser shall cause each benefit plan maintained, sponsored, adopted or contributed to by Purchaser or its Affiliates
in which Transferred Employees are eligible to participate (collectively, the &ldquo;<U>Purchaser Benefit Plans</U>&rdquo;), to
take into account for all purposes under Purchaser Benefit Plans (but not for purposes of defined benefit pension accruals under
any defined benefit plan) the service of such employees with Seller or its Affiliates prior to the Transfer Date to the same extent
as such service was credited for the applicable purpose by Seller or the applicable Affiliate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Pre-Existing
Conditions</U>. Subject to approval by the insurance company providing insured benefits under the applicable Purchaser&rsquo;s
fully insured Welfare Benefit Plans, which approval Purchaser shall use reasonable best efforts to obtain, Purchaser shall, and
shall cause its Affiliates to, (i) waive limitations on benefits relating to any pre-existing conditions of the Transferred Employees
and their eligible dependents to the extent that such limitations were waived under the applicable employee benefit or welfare
plan in which such Transferred Employee participated prior to the Transfer Date, and (ii) use commercially reasonable efforts to
recognize for purposes of annual deductible and out-of-pocket limits under their health plans applicable to Transferred Employees,
deductible and out-of-pocket expenses paid by Transferred Employees and their respective dependents under Seller&rsquo;s or any
of its Affiliates&rsquo; health or welfare plans in the calendar year in which the Transfer Date occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Vacation</U>.
Seller shall pay to the Transferred Employees all accrued but unpaid vacation for periods prior to the Transfer Date as soon as
administratively practicable after the Transfer Date or as required by applicable Law, but in no event later than thirty (30) Business
Days after the Transfer Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Bonus
Payments</U>. Seller shall retain (and be liable for the payment of) all amounts earned by a Transferred Employee under the Benefit
Plans that provide incentive compensation in which such Transferred Employee is eligible to participate (determined as of immediately
prior to the applicable Transfer Date) for periods of service through the day immediately prior to the applicable Transfer Date.
From and after the Closing Date, Purchaser shall be liable for the payment of incentive compensation to the Transferred Employees
for service with Purchaser from and after the applicable Transfer Date in accordance with the terms of Purchaser&rsquo;s Benefit
Plans.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Salary,
Compensation and Employee Benefits</U>. Seller shall be responsible for and pay all salary, compensation and employee benefits
in a manner consistent with applicable Law and the Seller&rsquo;s Benefit Plans and practices and all payroll taxes in connection
therewith, for the Branch Employees that was accrued, owed or earned for all periods on or prior to the Closing Date with respect
to services provided by such Branch Employee on, or prior to, the Closing Date. Purchaser shall be responsible for and pay all
salary, compensation and employee benefits and all payroll taxes in connection therewith, for the Transferred Employees that is
accrued, owed or earned under the Purchaser&rsquo;s policies and practices for all periods after the Closing Date. Seller shall
be responsible for the filing of Forms W-2 with the IRS and all required filings with state tax authorities with respect to wages
and benefits paid to each Branch Employee for all periods ending on or prior to the Closing Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rollover
of 401(k) Plan Accounts</U>. Prior to the Closing Date and thereafter (as applicable), Seller and Purchaser shall take any and
all action as may be required, including, if necessary, amendments to the tax qualified defined contribution plan of Seller in
which Transferred Employees participate (the &ldquo;<U>Seller 401(k) Plan</U>&rdquo;) and/or the tax qualified defined contribution
plan of Purchaser (the &ldquo;<U>Purchaser 401(k) Plan</U>&rdquo;), to permit each Transferred Employee to make rollover contributions
of &ldquo;eligible rollover distributions&rdquo; (within the meaning of Section 401(a)(31) of the Code, including any outstanding
participant loan which is not a prohibited transaction under the Code but excluding any after-tax amounts other than Roth amounts)
in cash or notes (in the case of loans) in an amount equal to the eligible rollover distribution portion of the account balance
distributable to such Transferred Employee from the Seller 401(k) Plan to the Purchaser 401(k) Plan, excluding any outstanding
participant loan which is a prohibited transaction under the Code and any after-tax amounts, other than Roth amounts, under the
Seller 401(k) Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Welfare
Benefits Generally</U>. (i) Seller and its Affiliates shall be solely responsible for (A) claims for Welfare Benefits and for workers&rsquo;
compensation, in each case that are incurred by or with respect to any Transferred Employee (and his or her spouse, dependents
or beneficiaries) before his or her Transfer Date, and (B) claims relating to COBRA Continuation Coverage (and for providing any
notices related thereto) attributable to &ldquo;qualifying events&rdquo; with respect to any Branch Employee who does not become
a Transferred Employee and his or her beneficiaries and dependents, whether occurring before, on or after the Closing Date; and
(ii) Purchaser and its Affiliates shall be solely responsible for (A) claims for Welfare Benefits and for workers compensation,
in each case that are incurred by or with respect to any Transferred Employee on or after his or her Transfer Date, and (B) claims
relating to COBRA Continuation Coverage attributable to &ldquo;qualifying events&rdquo; with respect to any Transferred Employee
and his or her beneficiaries and dependents that occur on or after such Transferred Employee&rsquo;s Transfer Date. For purposes
of the foregoing, a medical/dental claim shall be considered incurred when the services are rendered, the supplies are provided
or prescription is filled, and not when the condition arose. A disability or workers&rsquo; compensation claim shall be considered
incurred before the relevant Transferred Employee&rsquo;s Transfer Date if the injury or condition giving rise to the claim occurs
before such Transfer Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liabilities
under Benefit Plans</U>. Except as expressly provided in this Section 8.6, (i) Seller shall remain solely responsible for any and
all liabilities and obligations arising under the Benefit Plans, and Purchaser shall not assume or otherwise acquire any of the
Benefit Plans, and (ii) for purposes of this Agreement, liabilities under the Benefit Plans shall be considered Excluded Liabilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Third Party Rights or Amendment to Benefit Plans</U>. Nothing in this Agreement shall be construed to grant any Branch Employee
or Transferred Employee a right to continued employment by, or to receive any payments or benefits from, Purchaser or Seller or
their respective Affiliates or through any employee benefit plan. This Agreement shall not limit Purchaser&rsquo;s or Purchaser&rsquo;s
Affiliate&rsquo;s ability or right to amend or terminate any benefit or compensation plan or program of Purchaser or its Affiliates
and nothing contained herein shall be construed as an amendment to or modification of any such plan. This Section 8.7 shall be
binding upon and inure solely to the benefit of each party to this Agreement, and nothing in this Section 8.6, express or implied,
is intended to confer upon any other Person, including, any current or former director, officer or employee of Seller or any of
its Affiliates, any rights or remedies of any nature whatsoever under or by reason of this Section 8.6.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 66pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
9</B></FONT><BR>
<BR>
<B>CONDITIONS TO CLOSING</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">9.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Purchaser</U>. Unless waived in writing by Purchaser, the obligation of Purchaser to consummate the P&amp;A Transaction
is conditioned upon satisfaction of each of the following conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. The Regulatory Approvals shall have been made or obtained, and shall remain in full force and effect, and all waiting
periods applicable to the consummation of the P&amp;A Transaction shall have expired or been terminated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Orders</U>.
No court or governmental authority of competent jurisdiction shall have enacted, issued, promulgated, enforced or entered any statute,
rule, regulation, judgment, decree, injunction or other order (whether temporary, preliminary or permanent) (any of the foregoing,
an &ldquo;<U>Order</U>&rdquo;) that is in effect and that prohibits or makes illegal the consummation of the P&amp;A Transaction.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. (i) The representations and warranties of Seller contained in Sections 5.1, 5.2(i), 5.13, 5.15 and 5.17 shall
be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though such representations
and warranties were made at and as of such time (except that representations and warranties as of a specified date need only be
true on and as of such date) and (ii) the other representations and warranties of Seller contained in this Agreement shall be true
in all respects in each case as of the date of this Agreement and as of the Closing Date (except that representations and warranties
as of a specified date need only be true on and as of such date); <I>provided</I>, <I>however</I>, that for purposes of determining
the satisfaction of the condition set forth in this Section 9.1(c)(ii), such representations and warranties shall be deemed to
be so true and correct if the failure or failures of such representations and warranties to be true and correct (such representations
and warranties to be read for this purpose without reference to any qualification set forth therein relating to &ldquo;materiality&rdquo;
or &ldquo;Material Adverse Effect&rdquo;) do not constitute, individually or in the aggregate, a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants
and Other Agreements</U>. Seller shall have performed its covenants and agreements herein on or prior to the Closing Date in all
material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#9;<FONT STYLE="color: black"><U>Seller
Officers&rsquo; Certificate</U>. Purchaser shall have received at the Closing a certificate dated as of the Closing Date and executed
by the Chief Executive Officer, the Chief Financial Officer, the President or any Executive Vice President or Senior Vice President
of Seller to the effect that each of the conditions specified above in Sections 9.1(c) and (d) are satisfied in all respects.</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Seller
Closing Deliverables</U>. Seller shall have delivered to Purchaser each of the certificates, instruments, agreements, documents
and other items required to be delivered pursuant to Section 3.5 at or prior to the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Seller</U>. Unless waived in writing by Seller, the obligation of Seller to consummate the P&amp;A Transaction
is conditioned upon satisfaction of each of the following conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. The Regulatory Approvals shall have been made or obtained, and shall remain in full force and effect, and all waiting
periods applicable to the consummation of the P&amp;A Transaction shall have expired or been terminated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Orders</U>.
No Order shall be in effect that prohibits or makes illegal the consummation of the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. (i) The representations and warranties of Purchaser contained in Sections 6.1, 6.2(i), 6.6 and 6.7 shall be
true and correct in all respects as of the date of this Agreement and as of the Closing Date as though such representations and
warranties were made at and as of such time (except that representations and warranties as of a specified date need only be true
on and as of such date) and (ii) the other representations and warranties of Purchaser contained in this Agreement shall be true
in all respects in each case as of the date of this Agreement and as of the Closing Date as though such representations and warranties
were made at and as of such time (except that representations and warranties as of a specific date need to be true only as of such
date); <I>provided</I>,<I> however</I>, that for purposes of determining the satisfaction of the condition set forth in this Section
9.2(c)(ii), such representations and warranties shall be deemed to be so true and correct if the failure or failures of such representations
and warranties to be true and correct (such representations and warranties to be read for this purpose without reference to any
qualification set forth therein relating to &ldquo;materiality&rdquo; or &ldquo;Material Adverse Effect&rdquo;) do not constitute,
individually or in the aggregate, a Material Adverse Effect.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants
and Other Agreements</U>. Purchaser shall have performed its covenants and agreements herein on or prior to the Closing Date in
all material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchaser
Officers&rsquo; Certificate</U>. Seller shall have received at the Closing a certificate dated as of the Closing Date and executed
by the Chief Executive Officer, the Chief Financial Officer, the President or any Executive Vice President or Senior Vice President
of Purchaser to the effect that each of the conditions specified above in Sections 9.2(c) and (d) are satisfied in all respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchaser
Closing Deliverables</U>. Purchaser shall have delivered to Seller each of the certificates, instruments, agreements, documents
and other items required to be delivered pursuant to Section 3.6 (in the case of any assignment contemplated thereby, subject to
delivery by Seller of any related requisite third-party consent) at or prior to the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
10</B></FONT><BR>
<BR>
<B>TERMINATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">10.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.
This Agreement may be terminated at any time prior to the Closing Date:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
the mutual written agreement of Purchaser and Seller;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">by
Purchaser if (i) at the time of such termination any of the representations and warranties of Seller contained in this Agreement
shall not be true and correct to the extent that the condition set forth in Section 9.1(c) cannot be satisfied, or (ii) there shall
have been any material breach of any covenant, agreement or obligation of Seller hereunder to the extent that the condition set
forth in Section 9.1(d) cannot be satisfied, and, in the case of (i) or (ii), such breach or failure is not or cannot be remedied
by Seller within thirty (30) calendar days after receipt of notice in writing from Purchaser specifying the nature of such breach
or failure and requesting that it be remedied; </FONT><I>provided</I> that Purchaser may not terminate this Agreement based upon
the failure of the conditions set forth in Section 9.1(c) or Section 9.1(d) to be satisfied if such failure was caused by Purchaser&rsquo;s
breach of this Agreement or failure to act in good faith or Purchaser&rsquo;s or any of its representative&rsquo;s failure to use
reasonable best efforts to cause the Closing to occur<FONT STYLE="color: black">;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="color: black">by
Seller, if (i) at the time of such termination any of the representations and warranties of Purchaser contained in this Agreement
shall not be true and correct to the extent that the condition set forth in Section 9.2(c) cannot be satisfied, or (ii) there shall
have been any breach of any covenant, agreement or obligation of Purchaser hereunder to the extent that the condition set forth
in Section 9.2(d) cannot be satisfied, and, in the case of (i) or (ii), such breach or failure is not or cannot be remedied by
Purchaser within thirty (30) calendar days after receipt of notice in writing from Seller specifying the nature of such breach
or failure and requesting that it be remedied; </FONT><I>provided</I> that Seller may not terminate this Agreement based upon the
failure of the conditions set forth in Section 9.2(c) or Section 9.2(d) to be satisfied if such failure was caused by Seller&rsquo;s
or any of its representative&rsquo;s failure to act in good faith or Seller&rsquo;s breach of this Agreement or failure to use
reasonable best efforts to cause the Closing to occur<FONT STYLE="color: black">;</FONT></P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
Seller or Purchaser, in the event the Closing has not occurred by the date that is nine (9) months after the date of this Agreement,
unless the failure to so consummate is due to a breach of this Agreement by the party seeking to terminate; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
either Seller or Purchaser, if any governmental agencies or authorities that must grant a Regulatory Approval has denied approval
of the P&amp;A Transaction and such denial has become final and nonappealable or any governmental agency or authority of competent
jurisdiction shall have issued a final and nonappealable order permanently enjoining or otherwise prohibiting the consummation
of the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">10.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect
of Termination</U>. In the event of termination of this Agreement and abandonment of the transactions contemplated hereby pursuant
to Section 10.1, no party hereto (or any of its directors, officers, employees, agents or Affiliates) shall have any liability
or further obligation to any other party, except that neither Seller nor Purchaser shall be relieved or released from any liabilities
or damages arising out of any willful breach of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
11</B></FONT><BR>
<BR>
<B>INDEMNIFICATION</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>.
(a) Subject to Section 12.1, after the Closing, Seller shall indemnify and hold harmless Purchaser and any Person directly or indirectly
controlling or controlled by Purchaser, and their respective directors, officers, employees and agents, from and against any and
all Losses asserted against or incurred by Purchaser to the extent arising out of or resulting from the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">&nbsp;&nbsp;(i)</TD><TD>any breach of any representation or warranty made by Seller in this Agreement (disregarding, in each case other than in the
case of Section 5.15, for purposes of determining the amount of any Loss (but not for purposes of determining whether there has
been a breach), any qualification on any such representation or warranty as to &ldquo;materiality,&rdquo; &ldquo;in all material
respects,&rdquo; &ldquo;Material Adverse Effect&rdquo; or similar materiality qualifications);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">&nbsp;(ii)</TD><TD>any breach of any covenant or agreement to be performed by Seller pursuant to this Agreement;</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD>any Excluded Taxes; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">(iv)</TD><TD>any Excluded Liability.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Section 12.1, after the Closing, Purchaser shall indemnify and hold harmless Seller and any Person directly or indirectly controlling
or controlled by Seller, and their respective directors, officers, employees and agents, from and against any and all Losses asserted
against or incurred by Seller to the extent arising out of or resulting from the following:</P>

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


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">&nbsp;&nbsp;(i)</TD><TD>any breach of any representation or warranty made by Purchaser in this Agreement (disregarding, in each case, for purposes
of determining the amount of any Loss (but not for purposes of determining whether there has been a breach), any qualification
on any such representation or warranty as to &ldquo;materiality,&rdquo; &ldquo;in all material respects,&rdquo; &ldquo;Material
Adverse Effect&rdquo; or similar materiality qualifications);</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">&nbsp;(ii)</TD><TD>any breach of any covenant or agreement to be performed by Purchaser pursuant to this Agreement; or</TD></TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.8in"></TD><TD STYLE="width: 0.25in">(iii)</TD><TD>the Assumed Liabilities<FONT STYLE="color: black"> or any </FONT>responsibility, obligation, duty, legal action, administrative
or judicial proceeding, claim, penalty or liability<FONT STYLE="color: black"> arising out of Purchaser&rsquo;s ownership or operation
from and after the Closing of the business represented by the Branches, the Assets or the Assumed </FONT>Liabilities.</TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
exercise its indemnification rights under this Section 11.1 as a result of the assertion against it of any claim or potential liability
for which indemnification is provided, the indemnified party shall promptly notify the indemnifying party of the assertion of such
claim, discovery of any such potential liability or the commencement of any action or proceeding in respect of which indemnity
may be sought hereunder (including, with respect to claims arising from a breach of representation or warranty made in Article
8, the commencement of an audit, administrative investigation or judicial proceeding by any governmental authority); <I>provided</I>,<I>
however</I>,<I> </I>that, subject to the Survival Periods set forth in Section 12.1(a), any delay or failure by the indemnified
party to give notice shall not relieve the indemnifying party of its obligations hereunder except to the extent, if at all, that
the indemnifying party is actually and materially prejudiced by reason of such delay or failure. The indemnified party shall advise
the indemnifying party of all facts relating to such assertion within the knowledge of the indemnified party, and shall afford
the indemnifying party the opportunity, at the indemnifying party&rsquo;s sole cost and expense, to defend against such claims
for liability. In any such action or proceeding, the indemnified party shall have the right to retain its own counsel, but the
fees and expenses of such counsel shall be at its own expense unless (i) the indemnifying party and the indemnified party mutually
agree to the retention of such counsel or (ii) the named parties to any such suit, action, or proceeding (including any impleaded
parties) include both the indemnifying party and the indemnified party, and in the reasonable judgment of the indemnified party,
representation of the indemnifying party and the indemnified party by the same counsel would be inadvisable due to actual or potential
differing defenses or conflicts of interests between them.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
party to this Agreement shall settle, compromise, discharge or consent to an entry of judgment with respect to a claim or liability
subject to indemnification under this Article 11 without the other party&rsquo;s prior written consent (which consent shall not
be unreasonably withheld, conditioned or delayed); <I>provided</I> that the indemnifying party may agree without the prior written
consent of the indemnified party to any settlement, compromise, discharge or consent to an entry of judgment in each case that
by its terms (i) obligates the indemnifying party to pay the full amount of the liability in connection with such claim and that
unconditionally releases the indemnified party and its Affiliates from all liability or obligation in connection with such claim
and (ii) does not impose injunctive or other non-monetary equitable relief against the indemnified party or its Affiliates, or
their respective businesses.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything to the contrary contained in this Agreement, an indemnifying party shall not be liable under Section 11.1(a)(i) or Section
11.1(b)(i) for any Losses sustained by the indemnified party unless and until the aggregate amount of all indemnifiable Losses
sustained by the indemnified party shall exceed $75,000 (the &ldquo;<U>Deductible</U>&rdquo;), in which event the indemnifying
party shall provide indemnification hereunder in respect of all such indemnifiable Losses in excess of the Deductible;<I> provided</I>,<I>
however</I>,<I> </I>that the maximum aggregate amount of indemnification payments payable by Seller pursuant to Section 11.1(a)(i)
or by Purchaser pursuant to Section 11.1(b)(i), as applicable, shall be $2,250,000. In no event shall either party hereto be entitled
to consequential or punitive damages or damages for lost profits in any action relating to the subject matter of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
the foregoing, if a third party claim includes or would reasonably be expected to include both a claim for Taxes that are Assumed
Liabilities pursuant to Section 2.2(a)(viii) (&ldquo;<U>Purchaser Taxes</U>&rdquo;) and a claim for Taxes that are not Assumed
Liabilities pursuant to Section 2.2(a)(viii) (&ldquo;<U>Seller Taxes</U>&rdquo;), and such claim for Seller Taxes is not separable
from such a claim for Purchaser Taxes, Purchaser (if the claim for Purchaser Taxes exceeds or reasonably would be expected to exceed
in amount the claim for Seller Taxes) or otherwise Seller (Seller or Purchaser, as the case may be, the &ldquo;<U>Controlling Party</U>&rdquo;)
shall be entitled to control the defense of such third party claim (such third party claim, a &ldquo;<U>Tax Claim</U>&rdquo;).
In such case, the other party (Seller or Purchaser, as the case may be, the &ldquo;<U>Non-Controlling Party</U>&rdquo;) shall be
entitled to participate fully (at the Non-Controlling Party&rsquo;s sole expense) in the conduct of such Tax Claim and the Controlling
Party shall not settle such Tax Claim without the consent of such Non-Controlling Party (which consent shall not be unreasonably
withheld, conditioned or delayed). The costs and expenses of conducting the defense of such Tax Claim shall be reasonably apportioned
based on the relative amounts of the Tax Claim that are Seller Taxes and that are Purchaser Taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise required pursuant to a &ldquo;determination&rdquo; within the meaning of Section 1313(a) of the Code (or any comparable
provision of state, local or foreign Law), Seller, Purchaser, and their respective Affiliates shall treat any and all payments
under this Article 11 as an adjustment to the Purchase Price for all Tax purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
connection with any claim for indemnification under this Article 11, the amount that any indemnifying party is or may be required
to pay to any indemnified party shall be reduced (retroactively, if necessary) by the amounts recovered by the indemnified party
under third party insurance policies or third party indemnification obligations, net of any deductible or any other expense incurred
by the party entitled to indemnification in obtaining such recovery. If an indemnified party shall have received payment from the
indemnifying party for a Loss and subsequently recovers amounts under third party insurance policies or third party indemnification
obligations, then the indemnified party shall promptly refund to the indemnifying party a sum equal to the amount of such recovered
amounts, net of any deductible or any other expense incurred by the party entitled to indemnification in obtaining such recovery.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything to the contrary contained in this Agreement or in the Deeds, an indemnifying party shall not be liable under any of the
Deeds to the extent the indemnified party has not first sought to recover for such Losses under the Title Policies prior to pursuing
an indemnifying party under any of the Deeds. To the extent an indemnified party does not recover for such the Loss under the Title
Policies, it may then pursue recovery for any Loss against an indemnifying party hereunder.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
indemnified party shall use reasonable best efforts to mitigate any claim or liability that such indemnified party asserts under
this Article 11. In the event that an indemnified party shall fail to use such reasonable best efforts to mitigate any claim or
liability, then notwithstanding anything else to the contrary contained in this Agreement, the indemnifying party shall not be
required to indemnify any indemnified party for any portion of a Loss that could reasonably be expected to have been avoided if
the indemnified party had made such efforts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exclusivity</U>.
After the Closing, except as expressly set forth in Sections 2.1.3, 2.5, and 4.8, and except in the case of common law fraud in
connection with entering into this Agreement, this Article 11 will provide the exclusive remedy for any misrepresentation, breach
of warranty, covenant or other agreement or other claim arising out of this Agreement or the transactions contemplated hereby;
<I>provided</I> that it is understood and agree that the foregoing shall not prevent a party from obtaining specific performance,
injunctive relief or any other available non-monetary equitable remedy.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">11.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>AS-IS
Sale; Waiver of Warranties</U>. Except for the representations and warranties set forth in this Agreement, Purchaser acknowledges
that the Assets and Assumed Liabilities are being sold and accepted on an &ldquo;AS-IS-WHERE-IS&rdquo; basis, and are being accepted
without any representation or warranty. As part of Purchaser&rsquo;s agreement to purchase and accept the Assets and Assumed Liabilities
AS-IS-WHERE-IS, and not as a limitation on such agreement, TO THE FULLEST EXTENT PERMITTED BY LAW, SELLER HEREBY DISCLAIMS AND
PURCHASER HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVES AND RELEASES ANY AND ALL ACTUAL OR POTENTIAL RIGHTS PURCHASER MIGHT HAVE
AGAINST SELLER OR ANY PERSON DIRECTLY OR INDIRECTLY CONTROLLING SELLER REGARDING ANY FORM OF WARRANTY, EXPRESS OR IMPLIED, OF ANY
KIND OR TYPE, RELATING TO THE ASSETS AND ASSUMED LIABILITIES INCLUDING THE LOANS AND/OR THE COLLATERAL THEREFOR EXCEPT THOSE SET
FORTH IN THIS AGREEMENT. SUCH WAIVER AND RELEASE IS, TO THE FULLEST EXTENT PERMITTED BY LAW, ABSOLUTE, COMPLETE, TOTAL AND UNLIMITED
IN EVERY WAY. SUCH WAIVER AND RELEASE INCLUDES TO THE FULLEST EXTENT PERMITTED BY LAW, A WAIVER AND RELEASE OF EXPRESS WARRANTIES
(EXCEPT THOSE REPRESENTATIONS AND WARRANTIES OTHERWISE SET FORTH IN THIS AGREEMENT), IMPLIED WARRANTIES, WARRANTIES OF FITNESS
FOR A PARTICULAR USE, WARRANTIES OF MERCHANTABILITY, WARRANTIES OF HABITABILITY, STRICT LIABILITY RIGHTS AND CLAIMS OF EVERY KIND
AND TYPE, INCLUDING CLAIMS REGARDING DEFECTS WHICH WERE NOT OR ARE NOT DISCOVERABLE, ALL OTHER EXTANT OR LATER CREATED OR CONCEIVED
OF STRICT LIABILITY OR STRICT LIABILITY TYPE CLAIMS AND RIGHTS.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
12</B></FONT><BR>
<BR>
<B>MISCELLANEOUS</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Survival</U>.
(a) The parties&rsquo; respective representations and warranties contained in this Agreement shall survive until the eighteen (18)
month anniversary of the Closing Date; <I>provided</I>, <I>however</I>,<I> </I>that (i) each of the representations and warranties
of parties set forth in Sections 5.1 and 6.1 shall survive until the sixth (6th) anniversary of the Closing Date and (ii) the representations
and warranties set forth in Section 5.10 shall survive until the expiration of the applicable statute of limitations and thereafter
neither party may claim any Loss in relation to a breach thereof (each such specified period, a &ldquo;<U>Survival Period</U>&rdquo;);
<I>provided</I>, <I>however</I>, that the claims set forth in any claim for indemnity made by an indemnified party on or prior
to the applicable Survival Period shall survive until such claim is finally resolved. The agreements and covenants contained in
this Agreement shall survive the Closing until performed in full or the obligation to so perform shall have expired.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
claim based on any breach of any representation or warranty shall be valid or made unless notice with respect thereto is given
to the indemnifying party in accordance with this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U>.
Neither this Agreement nor any of the rights, interests or obligations of either party may be assigned by either party hereto without
the prior written consent of the other party, and any purported assignment in contravention of this Section 12.2 shall be void.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding
Effect</U>. This Agreement and all of the provisions hereof shall be binding upon and inure to the benefit of the parties hereto
and their respective successors and permitted assigns.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Public
Notice</U>. Prior to the Closing Date, neither Purchaser nor Seller shall make or cause to be made any press release for general
circulation, public announcement or disclosure or issue any notice or general communication to employees or customers with respect
to any of the transactions contemplated hereby (each, a &ldquo;<U>Public Notice</U>&rdquo;) without the prior written consent of
the other party (which consent shall not be unreasonably withheld, conditioned or delayed). Purchaser and Seller each agree that,
without the other party&rsquo;s prior written consent, it shall not release or disclose any of the terms or conditions of the transactions
contemplated herein to any other Person (other than any bank Regulatory Authority). Notwithstanding the foregoing, each party may
make a Public Notice as, based on the advice of its counsel, may be required by law or as necessary to obtain the Regulatory Approvals.
Except with respect to a Public Notice issued by Purchaser or any of its Affiliates in compliance with the terms of this Section
12.4 that announces the execution of this Agreement or the consummation of the transactions contemplated hereby, no Public Notice
issued by Purchaser or any of its Affiliates shall reference the name of Seller or any of its Affiliates without the prior written
consent of Seller (which consent Seller may withhold, condition or delay in its sole discretion).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
All notices, requests, demands, consents and other communications given or required to be given under this Agreement and under
the related documents shall be in writing and delivered to the applicable party at the address indicated below:</P>

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


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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 17%; text-indent: 0in">&nbsp;</TD>
    <TD STYLE="width: 18%; text-indent: 0in">If to Seller:</TD>
    <TD STYLE="width: 65%; text-indent: 0in">Bank of America, National Association </TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>100 North Tryon Street</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Charlotte, North Carolina 28255</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Attention: Edward P. O&rsquo;Keefe</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Facsimile: (704) 409-0968</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">With a copy to:</TD>
    <TD STYLE="text-indent: 0in">Wachtell, Lipton, Rosen &amp; Katz</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">51 West 52<SUP>nd</SUP> Street</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">New York, New York 10019</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Attention:&nbsp;&nbsp;Nicholas G. Demmo</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Fax: (212) 403-2000</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">If to Purchaser:</TD>
    <TD STYLE="text-indent: 0in">First Financial Bank, National Association</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">One First Financial Plaza</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Terre Haute, Indiana&nbsp;&nbsp;47807</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Attention: Norman L. Lowery, President and Chief Executive Officer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD>Fax: (812) 235-0555</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">With a copy to:</TD>
    <TD STYLE="text-indent: 0in">Krieg DeVault LLP</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">One Indiana Square, Suite 2800</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Indianapolis, Indiana&nbsp;&nbsp;46204</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">Attention: John W. Tanselle</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD STYLE="text-indent: 0in">&nbsp;</TD>
    <TD>Fax: (317) 636-1507</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">or, as to each party at such other address as shall be designated
by such party in a written notice to the other party complying as to delivery with the terms of this Section 12.5. Any notices
shall be in writing, including telegraphic or facsimile communication, and may be sent by registered or certified mail, return
receipt requested, postage prepaid, or by fax, or by overnight delivery service. Notice shall be effective upon actual receipt
thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses</U>.
Except as expressly provided otherwise in this Agreement, each party shall bear any and all costs and expenses that it incurs,
or that may be incurred on its behalf, in connection with the preparation of this Agreement and consummation of the transactions
described herein, and the expenses, fees, and costs necessary for any approvals of the appropriate Regulatory Authorities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law; Consent to Jurisdiction</U>. This Agreement shall be governed by and interpreted in accordance with the laws of the State
of Illinois applicable to agreements made and entirely to be performed in such state and without regard to its principles of conflict
of laws. The parties hereto agree that any suit, action or proceeding seeking to enforce any provision of, or based on any matter
arising out of or in connection with, this Agreement or the transactions contemplated hereby shall be brought in any federal or
state court sitting in the State of Illinois.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver
of Jury Trial</U>. The parties hereby waive, to the fullest extent permitted by law, any right to trial by jury of any claim, demand,
action, or cause of action (i)&nbsp;arising under this Agreement or (ii) in any way connected with or related or incidental to
the dealings of the parties in respect of this Agreement or any of the transactions contemplated hereby, in each case, whether
now existing or hereafter arising, and whether in contract, tort, equity, or otherwise. The parties hereby further agree and consent
that any such claim, demand, action, or cause of action shall be decided by court trial without a jury and that the parties may
file a copy of this Agreement with any court as written evidence of the consent of the parties to the waiver of their right to
trial by jury.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire
Agreement; Amendment</U>. (a) This Agreement contains the entire understanding of and all agreements between the parties hereto
with respect to the subject matter hereof and supersedes any prior or contemporaneous agreement or understanding, oral or written,
pertaining to any such matters, which agreements or understandings shall be of no force or effect for any purpose; <I>provided</I>,<I>
however</I>,<I> </I>that the terms of any confidentiality agreement the parties hereto previously entered into shall, to the extent
not inconsistent with any provisions of this Agreement, continue to apply until the Closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement may not be amended or supplemented in any manner except by mutual agreement of the parties and as set forth in a writing
signed by the parties hereto or their respective successors in interest. The waiver of any breach of any provision under this Agreement
by any party shall not be deemed to be waiver of any preceding or subsequent breach under this Agreement. No such waiver shall
be effective unless in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Third
Party Beneficiaries</U>. Except as expressly provided in Section 11.1, this Agreement shall not benefit or create any right or
cause of action in or on behalf of any person other than Seller and Purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together
shall constitute one and the same instrument.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</U>.
The headings used in this Agreement are inserted for purposes of convenience of reference only and shall not limit or define the
meaning of any provisions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.
If any provision of this Agreement, as applied to any party or circumstance, shall be judged by a court of competent jurisdiction
to be void, invalid or unenforceable, the same shall in no way effect any other provision of this Agreement, the application of
any such provision and any other circumstances or the validity or enforceability of the other provisions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interpretation</U>.
When a reference is made in this Agreement to Articles, Sections or Exhibits, such reference shall be to an Article, Section of
or Exhibit to this Agreement unless otherwise indicated. The Recitals hereto constitute an integral part of this Agreement. References
to Sections include subsections, which are part of the related Section (e.g., a section numbered &ldquo;Section 5.13(a)&rdquo;
would be part of &ldquo;Section 5.13&rdquo; and references to &ldquo;Section 5.13&rdquo; would also refer to material contained
in the subsection described as &ldquo;Section 5.13(a)&rdquo;). The table of contents, index and headings contained in this Agreement
are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words
&ldquo;include,&rdquo; &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be
followed by the words &ldquo;without limitation.&rdquo; The phrases &ldquo;the date of this Agreement,&rdquo; &ldquo;the date hereof&rdquo;
and terms of similar import, unless the context otherwise requires, shall be deemed to refer to the date set forth in the Preamble
to this Agreement.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">12.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed
in accordance with the terms hereof (and, more specifically, that irreparable damage would likewise occur if the P&amp;A Transaction
was not consummated), and, accordingly, that the parties shall be entitled, without the necessity of posting a bond or other security,
to an injunction or injunctions to prevent breaches of this Agreement or to enforce specifically the performance of the terms and
provisions hereof (including the parties&rsquo; obligation to consummate the P&amp;A Transactions, subject to the terms and conditions
of this Agreement).</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><B>IN WITNESS WHEREOF</B>,<B> </B>the parties
hereto have caused this Agreement to be executed by their duly authorized officers as of the date and year first above written.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">BANK OF AMERICA, NATIONAL ASSOCIATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%">&nbsp;</TD>
    <TD STYLE="width: 4%">&nbsp;</TD>
    <TD STYLE="width: 47%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:&nbsp;</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid"><FONT STYLE="color: black">/s/ Josh Scholl</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Josh Scholl</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Director and Senior Finance Manager</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD COLSPAN="2">FIRST FINANCIAL BANK, NATIONAL ASSOCIATION</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>By:</TD>
    <TD STYLE="border-bottom: windowtext 1pt solid">/s/ Norman L. Lowery</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>Norman L. Lowery, President and Chief Executive Officer</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 3.25in">&nbsp;</P>


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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>v338771_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
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</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>FOR IMMEDIATE RELEASE</B><BR>
March 19, 2013</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">Norman L. Lowery<BR>
Vice Chairman and CEO<BR>
(812) 238-6334<BR>
<BR>
</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>First Financial Corporation to Acquire
Nine Banking Locations<BR>
in Central and Southern Illinois</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>TERRE HAUTE,&nbsp;INDIANA </B>&mdash; First Financial Corporation
(NASDAQ: THFF), holding company of First Financial Bank, N.A., announced today that First Financial Bank has entered into an agreement
to acquire seven branches and two drive-up locations from Bank of America. The branches are located in the central and southern
Illinois communities of Benton, Charleston, Hillsboro, Mattoon, Mount Vernon, Salem and West Frankfort.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Under the agreement, First Financial Bank will acquire $252.0
million in deposits and $2.3 million in small business loans. The purchase does not include credit card, mortgage, investment brokerage
or trust accounts. The transaction is expected to be completed in the third quarter of 2013, subject to regulatory approval. Once
the transaction is complete, First Financial expects most of the employees at these locations to transition to the company.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="color: black">&ldquo;</FONT><FONT STYLE="color: #262626">This
opportunity made sense for us because it supports our long-term strategy of expanding into areas that we already know well,&rdquo;
said </FONT><FONT STYLE="color: black">Donald E. Smith, Chairman of the Board of First Financial Corporation. &ldquo;The new locations
are a natural extension of First Financial Bank&rsquo;s existing footprint and will allow us to strengthen our regional presence
in Illinois.&rdquo;</FONT></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Financial and Bank of America are working together to
ensure a seamless transition for both customers and employees. Customers with accounts at the branches being acquired need not
take any action at this time and should continue to use their current checks, debit cards and other products and services.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&ldquo;We&rsquo;re pleased to welcome our new customers and
look forward to providing them with the exceptional service, security and stability that First Financial is well known for,&rdquo;
Smith said. &ldquo;As a community bank, we&rsquo;re committed to putting the people and businesses in our service area &lsquo;first,&rsquo;
a tradition that will continue as we grow.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Financial Bank, founded in 1834, is one of only a few
national banks still operating under its original charter, making it the fifth oldest national bank in the United States. Upon
completion of the Bank of America acquisition, First Financial will have 37 branches in Illinois and 36 in Indiana.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B><I>About First Financial Corporation</I></B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">First Financial Corporation is a financial
services company headquartered in Terre Haute,&nbsp;Indiana, and has consolidated assets of approximately $2.9 billion. It offers
a wide variety of financial services including commercial, mortgage and consumer lending, lease financing, trust account services,
depositor services and insurance services through its three subsidiaries, First Financial Bank, N.A., The Morris Plan Company of
Terre Haute Inc., and Forrest Sherer&nbsp;Inc. First Financial Bank provides the largest financial services delivery system in
its service area, with 68 banking centers in west-central Indiana and east-central Illinois and 125 FirstPlus ATMs.&nbsp;Forrest
Sherer is a premier regional supplier of insurance, surety and other financial products. The Morris Plan Company of Terre Haute
is an industrial thrift, offering loans to consumers, savings accounts and certificates of deposit.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Additional information and financial data are available in the
Investor Relations section of the First Financial Bank website at www.first-online.com.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">This press release contains certain forward-looking statements
within the meaning of the Private Securities Litigation Reform Act of 1995. These statements include, but are not limited to, descriptions
of First Financial Corporation&rsquo;s financial condition, results of operations, asset and credit quality trends, profitability
and statements about the expected financial benefits and other effects of the acquisition of Bank of America branches.&nbsp;Forward-looking
statements can be identified by the use of the words &ldquo;anticipate,&rdquo; &ldquo;believe,&rdquo; &ldquo;expect,&rdquo; &ldquo;intend,&rdquo;
&ldquo;could&rdquo; and &ldquo;should,&rdquo; and other words of similar meaning. These forward-looking statements express management&rsquo;s
current expectations or forecasts of future events and, by their nature, are subject to risks and uncertainties and there are a
number of factors that could cause actual results to differ materially from those in such statements.&nbsp; Factors that might
cause such a difference include, but are not limited to; expected cost savings, synergies and other financial benefits from the
acquisition might not be realized within the expected time frames and costs or difficulties relating to integration matters might
be greater than expected; market, economic, operational, liquidity, credit and interest rate risks associated with First Financial
Corporation&rsquo;s businesses, competition, government legislation and policies; the ability of First Financial Corporation to
execute its business plan, including acquisition plans; changes in the economy which could materially impact credit quality trends
and the ability to generate loans and gather deposits; failure or circumvention of First Financial Corporation&rsquo;s internal
controls; failure or disruption of information systems; significant changes in accounting, tax or regulatory practices or requirements;
new legal obligations or liabilities or unfavorable resolutions of litigations; other matters discussed in this press release and
other factors identified in First Financial Corporation&rsquo;s Annual Report on Form&nbsp;10-K and other periodic filings with
the Securities and Exchange Commission. These forward-looking statements are made only as of the date of this press release, and
First Financial Corporation does not undertake an obligation to release revisions to these forward-looking statements to reflect
events or conditions after the date of this release.</P>

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