<SEC-DOCUMENT>0001144204-14-047566.txt : 20140807
<SEC-HEADER>0001144204-14-047566.hdr.sgml : 20140807
<ACCEPTANCE-DATETIME>20140807092639
ACCESSION NUMBER:		0001144204-14-047566
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20140806
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20140807
DATE AS OF CHANGE:		20140807

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST COMMUNITY BANCSHARES INC /NV/
		CENTRAL INDEX KEY:			0000859070
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				550694814
		STATE OF INCORPORATION:			NV
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19297
		FILM NUMBER:		141022060

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 989
		CITY:			BLUEFIELD
		STATE:			VA
		ZIP:			24605
		BUSINESS PHONE:		3043236300

	MAIL ADDRESS:	
		STREET 1:		29 COLLEGE DRIVE
		STREET 2:		P O BOX 989
		CITY:			BLUEFIELD
		STATE:			VA
		ZIP:			24605

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FCFT INC
		DATE OF NAME CHANGE:	19930328
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v386054_8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>Washington, D.C. 20549</B></P>

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

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center"><B>FORM 8-K</B></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"><B>CURRENT REPORT</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; 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-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">Date of Report (Date of earliest event reported):
<B>August 6, 2014</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&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 STYLE="width: 15%; font-size: 12pt; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 70%; border-bottom: Black 1pt solid; font-size: 12pt; text-align: center"><FONT STYLE="font-size: 12pt"><B>FIRST COMMUNITY BANCSHARES, INC.</B></FONT></TD>
    <TD STYLE="width: 15%; font-size: 12pt; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Exact name of registrant as specified in its charter)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; 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: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>Nevada</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>000-19297</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt"><B>55-0694814</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(State or other jurisdiction</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(Commission</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">(IRS Employer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">of incorporation)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">File Number)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt">Identification No.)</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="width: 32%; text-align: center"><FONT STYLE="font-size: 10pt"><B>P.O. Box 989</B></FONT></TD>
    <TD STYLE="width: 2%; text-align: center">&nbsp;</TD>
    <TD STYLE="width: 32%">&nbsp;</TD>
    <TD STYLE="width: 2%">&nbsp;</TD>
    <TD STYLE="width: 32%; text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>Bluefield, Virginia</B></FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: center"><FONT STYLE="font-size: 10pt"><B>24605-0989</B></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="border-top: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">(Address of principal executive offices)</FONT></TD>
    <TD STYLE="text-align: center">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="border-top: Black 1pt solid; text-align: center"><FONT STYLE="font-size: 10pt">(Zip Code)</FONT></TD></TR>
</TABLE>
<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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">Registrant&rsquo;s telephone number, including
area code: <B>(276) 326-9000</B></P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Written communications pursuant to Rule 425 under the
Securities Act (17 CFR 230.425)</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Soliciting material pursuant to Rule 14a-12 under the
Exchange Act (17 CFR 240.14a-12)</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(b))</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&uml;</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font-family: Times New Roman, Times, Serif">Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD>
</TR></TABLE>

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


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<TD STYLE="width: 0in"></TD><TD STYLE="width: 1in; text-align: left"><B>Item 1.01</B></TD><TD STYLE="text-align: justify"><B>Entry Into a Material Definitive Agreement</B></TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">On August 6, 2014, First Community Bank,
the wholly-owned subsidiary of First Community Bancshares, Inc., entered into a Purchase and Assumption Agreement with CresCom
Bank, Charleston, South Carolina, in which First Community is selling a total of 13 branches to CresCom. Ten of the branches being
sold are located in the southeastern, coastal region of North Carolina and the other three are in South Carolina. The 13 branches
currently have deposit totals of approximately $230 million and loan totals of approximately $59 million. The branch sale is intended
to complement First Community&rsquo;s recently announced plan to acquire seven branches with approximately $440 million in deposits
in southwestern Virginia and central North Carolina. The loans being sold are not subject to First Community Bank&rsquo;s loss
share agreement with the FDIC in connection with its purchase and assumption of Waccamaw Bank. Subject to regulatory approval and
the satisfaction of customary closing conditions, the transaction is expected to close in the fourth quarter of 2014.</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">A copy of the Purchase and Assumption Agreement
is attached hereto as exhibit 99.1.</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 1in; text-align: left"><B>Item 9.01</B></TD><TD STYLE="text-align: justify"><B>Financial Statements and Exhibits.</B></TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(d)</FONT></TD><TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">The
following exhibit is included with this report:</FONT></TD>
</TR></TABLE>
<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 NOWRAP STYLE="width: 12%; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Exhibit No.</FONT></TD>
    <TD STYLE="width: 2%; padding-bottom: 1pt">&nbsp;</TD>
    <TD NOWRAP STYLE="width: 86%; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Exhibit Description</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">99.1</FONT></TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Purchase and Assumption Agreement dated as of August 6, 2014, between First Community Bank and CresCom Bank</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>Forward-Looking Statements</B></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">This Current Report on Form 8-K contains
forward-looking statements.&nbsp;These forward-looking statements are based on current expectations that involve risks, uncertainties,
and assumptions.&nbsp;Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect,
actual results may differ materially.&nbsp;These risks include:&nbsp;&nbsp;changes in business or other market conditions; the
timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the
management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues;
and other risks detailed from time to time in the Company&rsquo;s Securities and Exchange Commission reports, including but not
limited to the Annual Report on Form 10-K for the most recent year ended.&nbsp;Pursuant to the Private Securities Litigation Reform
Act of 1995, the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur
after the date the forward-looking statements are made.</P>

<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-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">FIRST COMMUNITY BANCSHARES, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="text-align: justify; width: 7%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Date:&nbsp;&nbsp;</FONT></TD>
    <TD STYLE="text-align: justify; width: 20%; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">August 7, 2014</FONT></TD>
    <TD STYLE="text-align: justify; width: 23%">&nbsp;</TD>
    <TD STYLE="text-align: left; width: 3%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT>&nbsp;&nbsp;</TD>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: left; width: 47%"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">/s/ David D. Brown</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">David D. Brown</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD COLSPAN="3" STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: justify">&nbsp;</TD>
    <TD STYLE="text-align: left"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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<TYPE>EX-99.1
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<FILENAME>v386054_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
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<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; text-align: right; margin-bottom: 0"><B>Exhibit 99.1</B></P>

<P STYLE="margin-top: 0; text-align: center; margin-bottom: 0">&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">August 6, 2014</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">FIRST COMMUNITY BANK</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">CRESCOM BANK</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">This <B>PURCHASE AND
ASSUMPTION AGREEMENT</B>, dated as of August 6, 2014 (this &ldquo;<U>Agreement</U>&rdquo;), between First Community Bank, a state-chartered
banking corporation, organized under the laws of Virginia, with its principal office located in Bluefield, Virginia (&ldquo;<U>Seller</U>&rdquo;),
and CresCom Bank, a state-chartered banking corporation, organized under the laws of South Carolina, with its principal office
located in Charleston, South Carolina (&ldquo;<U>Purchaser</U>&rdquo;).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><B>WHEREAS</B>, Purchaser
desires to acquire from Seller, and Seller desires to transfer to Purchaser, certain banking operations in the States of North
Carolina and South Carolina, 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-align: justify; text-indent: 1in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">1.1&nbsp;&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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Accrued
Interest</U>&rdquo; means, as of any date, (a) with respect to a Deposit, interest which is accrued on such Deposit to but excluding
such date and not yet posted to the relevant deposit account; (b) with respect to a Negative Deposit, interest which is accrued
on such Negative Deposit to but excluding such date and not yet paid; and (c) with respect to a Loan, interest which is accrued
on such Loan to but excluding such date and not yet paid.</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Adjusted
Payment Amount</U>&rdquo; means (x) the aggregate balance 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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, or in connection with
which Seller or any of its Affiliates has any liability or obligation, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Branch
Lease Security Deposit</U>&rdquo; means any security deposit held by the lessor under a Branch Lease.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Branch
Leases</U>&rdquo; means the leases under which Seller leases land and/or buildings, including ground leases, listed on Exhibit
1.1(b) as Leased.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Branches</U>&rdquo;
means the Real Property and Personal Property associated with the banking offices at the locations identified on Exhibit 1.1(b)
and, except as otherwise expressly provided herein, &ldquo;<U>Branch</U>&rdquo; refers to each such Branch or any one of the Branches.
The term &ldquo;<U>Branches</U>&rdquo; shall include the Wilmington LPO for all purposes other than with respect to Deposits and
Purchaser&rsquo;s assumption thereof pursuant to this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Business
Day</U>&rdquo; means a day other than a Saturday, a Sunday, or a banking holiday recognized by the Federal Reserve Bank of Richmond.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Commercially
Reasonable Efforts</U>&rdquo; means efforts that a prudent Person desirous of achieving a result would use in similar circumstances
to achieve that result; <U>provided</U>, <U>however</U>, that Commercially Reasonable Efforts shall not be deemed to require a
Person to undertake extraordinary or unreasonable measures, including the payment of amounts in excess of normal and usual filing
fees and processing fees, if any, or other payments with respect to any contract that are significant in the context of such contract
(or significant on an aggregate basis as to all contracts).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Covered
Period</U>&rdquo; has the meaning set forth in Section 4.4.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Customer
Claims Period</U>&rdquo; has the meaning set forth in Section 4.15(a).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Diligence
Loans</U>&rdquo; has the meaning set forth in the definition of Loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 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 to collected and uncollected
deposits and Accrued Interest, but excluding any Excluded Deposits. For avoidance of doubt, &ldquo;Deposits&rdquo; shall include
deposits otherwise qualifying as &ldquo;Deposits&rdquo; of municipalities, state agencies, public schools and similar governmental
entities. Exhibit 1.1(c) contains a list of Deposits as of July 31, 2014, with such schedule specifying the identity of the accountholder
and the type of account for each Deposit, and such list shall be updated by Seller 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) and 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). For the
purposes of this defined term, the term &ldquo;Branches&rdquo; shall not include the Wilmington LPO.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Encumbrances</U>&rdquo;
means all mortgages, deeds of trust, 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 payable, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Environmental
Condition</U>&rdquo; means the discharge, dispersal, release, or disposal, including any migration, movement or seepage thereof,
of any solid, liquid, gaseous or thermal irritant, pollutant or contaminant, including smoke soot, vapors, fumes, acids, alkalis,
chemicals, hazardous substances, hazardous materials, or waste materials, or by-products thereof including but not limited to petroleum
and by-products, on, in, under, or upon land, and structures thereupon, the atmosphere, surface water, sediments or groundwater,
and includes, but is not limited to, any such conditions on the Real Property or the location where any contamination from the
Real Property has been placed or has moved.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Environmental
Permits</U>&rdquo; shall have the meaning set forth in Section 5.12(a)(i).</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Exchange
Act</U>&rdquo; means the Securities Exchange Act of 1934, as amended.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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, (x) Escheat Deposits, (y) those deposit liabilities that constitute security for loans
that are not to be transferred to Purchaser under the terms of this Agreement, and (z) those deposit liabilities that have been
opened by an employee (other than a Transferred Employee) or former employee of Seller.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Excluded
Loans</U>&rdquo; means any and all loans transferred to Seller pursuant to that certain Purchase and Assumption Agreement dated
June 8, 2012 by and between Seller and the Federal Deposit Insurance Corporation as Receiver of Waccamaw Bank, including any interest
in, collateral securing, documents evidencing, servicing rights or any other assets or rights relating thereto, and any renewals,
extensions, substitutions or replacements of any of the foregoing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 8.3.</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 thirtieth (30th) 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.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Geographic
Coverage Area</U>&rdquo; means the counties of North Carolina and South Carolina, as applicable, listed on Exhibit 7.6(a).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Hazardous
Material</U>&rdquo; means any substance, whether liquid, solid or gas (a) regulated, listed, identified, designated, or otherwise
characterized as hazardous, toxic, pollutant or contaminate, including without limitation, petroleum and its by-products, gasoline
or diesel fuel or other petroleum hydrocarbons, asbestos, or polychlorinated biphenyls; (b) which, applying criteria specified
in any Environmental Law, is hazardous, toxic, pollutant, or contaminant; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Heath
Springs Branch</U>&rdquo; means the Branch located at 202 North Main Street, Heath Springs, South Carolina.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Infrastructure
Installation</U>&rdquo; has the meaning set forth in Section 4.10.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Installation
Plans</U>&rdquo; has the meaning set forth in Section 4.10(iv).</P>

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Lien</U>&rdquo;
means any lien, pledge, assignment, security interest or similar encumbrance relating to collateral for a Loan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Loan
Documents</U>&rdquo; means the Loan files and all documents with respect to a Loan that are in Seller&rsquo;s possession or control,
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.), financial statements of borrowers and guarantors, independently prepared financials statements, internally
prepared financial statements, commitment letters, 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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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(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-align: justify; 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, and does not include the Excluded
Loans. On or before 5:00 p.m., Eastern Time, on the date that is five (5) Business Days prior to the Closing Date, Purchaser shall
notify Seller which loans, if any, set forth on Exhibit 1.1(f)-1 (the &ldquo;<U>Diligence Loans</U>&rdquo;) do not qualify as &ldquo;pass
grade&rdquo; pursuant to Purchaser&rsquo;s credit standards and policies as consistently applied, and Exhibit 1.1(f) shall be updated
by Seller to include all Diligence Loans other than those loans which Purchaser determines do not qualify as &ldquo;pass grade&rdquo;.
Exhibit 1.1(f) shall be updated by Seller to include all loans (other than Excluded Loans) that are originated by Seller subsequent
to the date of this Agreement in the Geographic Coverage Area, 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), and 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); <I>provided however</I> that
the addition of any loan to the Loans listed on Exhibit 1.1(f) shall be subject to the determination by Purchaser, in its reasonable
discretion, that any such loan qualifies as &ldquo;pass grade&rdquo; pursuant to Purchaser&rsquo;s credit standards and policies
as consistently applied.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Negative
Deposits</U>&rdquo; means Deposit account overdrafts (not to exceed $2,500 in any one account and being less than three (3) Business
Days outstanding, unless otherwise approved by Purchaser).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 as of the Closing Date
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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Permitted
Encumbrances</U>&rdquo; (a) has the meaning set forth in Section 7.12(c) and the rights of any tenants under written leases with
respect to Owned Real Property and (b) the rights of landlords under any lease relating to the Leased Real Property and the rights
of subtenants under any written subleases relating to the Leased Real Property.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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, assignable asphalt,
equipment, roof-related or Real Property-related warranties, keys to Real Property, on premises ATMs (excluding Seller licensed
software, but including ATM hardware other than the hard drive), 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;
<I>provided</I>, <I>however</I>, that except as specifically provided herein, Personal Property shall not include computers and
related hardware, software or peripherals. Exhibit 1.1(g) contains an overview of the Personal Property as of July 31, 2014, and
Exhibit 1.1(g) shall be updated by Seller to include a complete and accurate list of the Personal Property 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) and 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).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Phase
I</U>&rdquo; shall have the meaning set forth in Section 7.11(a).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Property
Taxes</U>&rdquo; means real, personal, and intangible <I>ad valorem </I>property Taxes.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Purchaser
401(k) Plans</U>&rdquo; has the meaning set forth in Section 8.7(h).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Purchaser
Benefit Plans</U>&rdquo; has the meaning set forth in Section 8.7(d).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 Exhibit
indicates whether or not such real property is Owned Real Property or Leased Real Property.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Records</U>&rdquo;
means (a) as to the Loans, the Loan Documents, and (b) as to the 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 or desirable 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); <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&rsquo; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Regulatory
Approvals</U>&rdquo; means the approval of the FDIC; the South Carolina Office of the Commissioner of Banking; the North Carolina
Office of the Commissioner of Banks; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>SEC</U>&rdquo;
means the United States Securities and Exchange Commission.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Seller
401(k) Plans</U>&rdquo; has the meaning set forth in Section 8.7(h).</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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) and the knowledge that each such Person would reasonably be expected to obtain in the course of diligently
performing his or her duties for Seller.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Survey</U>&rdquo;
shall have the meaning set forth in Section 7.12(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Survival
Period</U>&rdquo; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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-align: justify; 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(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-align: justify; text-indent: 0.5in">&ldquo;<U>Tenant
Leases</U>&rdquo; means the leases, subleases, licenses or other use agreements between Seller, as landlord or primary tenant,
as applicable, and tenants or subtenants, as applicable, with respect to Real Property listed on Exhibit 1.1(i).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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.</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 Commitment</U>&rdquo;
shall have the meaning set forth in Section 7.12(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>Title Defect</U>&rdquo;
shall have the meaning set forth in 7.12(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>Title Insurance</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>Title Insurer</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>Title Policy</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-align: justify; 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&ldquo;<U>Transfer
Date</U>&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 Section 8.7(a)(ii).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 8.3.</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>Transferred Employees</U>&rdquo;
has the meaning set forth in Section 8.7(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>Unauthorized ACH Entry</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>Warranty Amount</U>&rdquo;
has the meaning set forth in Section 4.15(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-align: justify; text-indent: 0.5in">&ldquo;<U>Warranty
Claim</U>&rdquo; means any liability for any warranty (including any warranty regarding altered items or forged or missing endorsements)
of Seller to another financial institution under applicable law, including the Uniform Commercial Code, Regulation CC of the Federal
Reserve Board, Regulation J of the Federal Reserve Board, any Operating Circular of the Federal Reserve Board, the rules or policies
of any clearinghouse, and any other warranty provisions promulgated under state, federal or other applicable law, relating to any
draft, image deposit, check, negotiable order of withdrawal or similar item drawn on or deposited and credited to a Deposit account.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; 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 0pt 0.5in; text-indent: 0.5in">&ldquo;<U>Wilmington LPO</U>&rdquo;
means Seller&rsquo;s loan production office located at 2030 Eastwood Road in Wilmington, North Carolina.</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-align: justify; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Owned Real Property;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Personal Property;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Branch Leases and Tenant Leases;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Branch Lease Security Deposits;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">all 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 2.4;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vi)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Negative Deposits plus Accrued Interest with respect to such Negative Deposits;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Safe Deposit Agreements;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(viii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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 than Excluded Taxes);</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ix)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Records; and</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(x)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">all cash on hand at the Branches as of the closing of business on the Closing Date, including ATM cash, vault cash, petty cash, tellers&rsquo; cash and cash items in the process of collection (collectively, &ldquo;<U>Cash on Hand</U>&rdquo;).</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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;). In particular, Purchaser understands that it is not purchasing, and has no claim, right or interest in the
Excluded Loans. For the avoidance of doubt, except as contemplated by Section 7.9, no right to the use of any sign (other than
related sign structure), 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 (whether accrued, contingent or otherwise)
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-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Deposits, including Deposits in IRAs and related account agreements;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Personal Property, Branch Leases, Tenant Leases, Tenant Security Deposits and the Owned Real Property, excluding any duty, responsibility, obligation or liability arising from or relating to (A) the Real Property or (B) in whole or in part with respect to an Environmental Condition migrating to or from the Real Property, if any claim, demand or proceeding, or any notice of the foregoing arising from or relating to (A) or (B) of this Section 2.2(a)(ii) is made or commenced prior to the Closing or if any such duty, obligation or liability relates to a period prior to the Closing;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Safe Deposit Agreements;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Loans;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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 8.7; and</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vi)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">liabilities for Taxes of, or relating to, the Assets, the Assumed Liabilities or the business or operation of the Branches (other than Excluded Taxes).</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.75in; text-indent: -0.25in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
amount equal to 3.25% of the average daily closing balance (including Accrued Interest) of the Deposits in the Branches listed
on Exhibit 1.1(b) for the period commencing thirty (30) calendar days prior to the Closing Date and concluding on the day preceding
the Closing Date; <I>provided, however,</I> that no such deposit premium amount shall be included or paid with respect to the deposits
in the Heath Springs Branch; and <I>provided further,</I> that no such deposit premium shall be included or paid with respect to
Deposits of municipalities, state agencies, public schools or similar governmental entities; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
aggregate Net Book Value of all the Assets, including Accrued Interest with respect to Negative Deposits and 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-align: center"><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">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing</U>.
(a) The Closing will be held at the offices of Smith Moore Leatherwood LLP, 2 West Washington Street, Suite 1100, Greenville, South
Carolina 29601 or such other place as may be agreed to by the parties.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 December 12, 2014, 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 calendar day following 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
at Closing</U>. (a) Seller shall deliver the Draft Closing Statement to Purchaser on the third (3rd) Business Day preceding the
Closing Date and shall subsequently update and deliver a revised Draft Closing Statement to Purchaser on the Business Day prior
to the Closing Date. 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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, in a form and substance reasonably satisfactory to Purchaser, and
shall make available to Purchaser and its accountants and attorneys 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 Branch Leases and the Tenant Leases; (ii) wages, salaries and employee compensation, benefits and expenses; (iii) trustee
or custodian fees on Deposits in IRAs; (iv) 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; and (v) safe deposit rental payments
previously received by Seller.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Special
or limited warranty deeds (warranting against claims by Seller and all Persons claiming by, through or under Seller) and other
instruments of conveyance as may be necessary to sell, transfer and convey all of Seller&rsquo;s right, title and interest in and
to the Owned Real Property to Purchaser, free and clear of all Encumbrances (other than Permitted Encumbrances), in forms to be
reasonably agreed upon by Seller and Purchaser;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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, except
for Loans as contemplated by Section 3.5(i) (the &ldquo;<U>Assignment and Assumption Agreement</U>&rdquo;), which, among other
things, shall assign Seller&rsquo;s interest in the Safe Deposit Agreements and the Deposits;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Lease
assignment and assumption agreements, in recordable form with respect to each Branch Lease that has a memorandum of lease of public
record, in substantially the form of Exhibit 3.5(d), with respect to each of the Branch Leases (the &ldquo;<U>Branch Lease Assignments</U>&rdquo;);</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 Tenant Leases (the &ldquo;<U>Tenant
Assignments</U>&rdquo;);</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&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 and designation of Purchaser as successor
trustee or custodian with respect thereto;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
executed global assignment of the Loan Documents, in substantially the form of Exhibit 3.5(i) (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 following actions on Seller&rsquo;s behalf: (A) obtaining original executed copies of
each promissory note evidencing a Loan along with an allonge executed by the current holder of such promissory note endorsing it
over to Purchaser or Purchaser&rsquo;s designee, and (B) executing an assignment of mortgage, deed of trust or other real property
security instrument, as applicable, in recordable form (for the avoidance of doubt, meaning in compliance with the recording requirements
of the applicable county land records), for any existing mortgage, deed of trust or other real property security instrument, as
applicable, securing each Loan;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Affidavits,
indemnities and such other customary documentation as shall be reasonably required by a reputable national title company selected
by Purchaser and approved by Seller (the &ldquo;<U>Title Insurer</U>&rdquo;) to issue title insurance policies (each, a &ldquo;<U>Title
Policy</U>,&rdquo; and collectively, the &ldquo;<U>Title Insurance</U>&rdquo;) with respect to the Owned Real Property insuring
Purchaser or its designee as either owner of marketable fee simple title (in the case of each of the Owned Real Properties), subject
only to Permitted Encumbrances;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Estimated Payment Amount, if a positive amount, from immediately available funds;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consents
from lessors under the Leased Real Property, to the extent that such consents are required under such leases to effect the assignment
of Seller&rsquo;s interest therein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Consents
from third persons that are required to effect the assignments set forth in the Assignment and Assumption Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
documentation evidencing collateral securing the Loans and any such collateral in the possession of Seller;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
certified copy of a resolution of the Board of Directors of Seller, or its Executive Committee, approving the sale of the Branches
contemplated hereby; and</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">It is understood that the items listed
in subsection (k) above shall be transferred after the Branches have closed for business on the Closing Date and that the items
listed in subsection (q) above shall be transferred as soon as practicable after the Closing, but in no event more than five (5)
Business Days after the Closing.</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; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Branch Lease Assignments and such other instruments and documents as any landlord under a Branch Lease may reasonably require as
necessary or desirable for providing for the assumption by Purchaser of a Branch 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Estimated Payment Amount, if a negative amount, from immediately available funds; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
certified copy of a resolution of the Board of Directors of Purchaser, or its Executive Committee, approving the purchase of the
Branches contemplated hereby.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; text-indent: 0.5in">3.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery
of the Loan Documents</U>. As soon as reasonably practicable after the Closing Date, Seller shall deliver to Purchaser or its designee
the Loan Documents (reasonably organized and cataloged), actually in the possession or control of Seller or any of its Affiliates,
in whatever form or medium (including imaged documents) then maintained by Seller or its Affiliates. Seller makes no representation
or warranty to Purchaser regarding the condition of the Loan Documents or any single document included therein, or Seller&rsquo;s
interest in any collateral securing any Loan, except as specifically set forth herein. 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, the cost
of which shall be borne equally by Seller and Purchaser.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Owned
Real Property Filings</U>. On the Closing Date, Purchaser shall file or record, or cause to be filed or recorded, any and all documents
necessary in order that the legal and equitable title to Owned Real Property (and to each parcel of Leased Real Property with respect
to which Purchaser shall choose to acquire Title Policies) shall be duly vested in Purchaser. The Title Insurance premiums and
other costs shall be borne by Purchaser. Any 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">3.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Allocation
of Purchase Price</U>. (a) No later than sixty (60) 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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,
internet banking and bill pay enrollment information, debit card customer data and any other related information with respect to
the Deposits and the Loans. The Seller shall cooperate with Purchaser to provide timely, complete, and accurate information for
two test conversions and one mock conversion leading up to the final conversion.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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. Seller shall provide an overview of its information security assessment
process prior to the parties entering into this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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&rsquo; notifications.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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 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 thirty (30) 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 and Seller
shall provide updates to such report at reasonable intervals thereafter upon the reasonable request of Purchaser from time to time.
There shall be 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 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; text-align: justify">&nbsp;</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>ACH
Debit or Credit Transactions</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-align: justify; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
will use Commercially Reasonable 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 systems and shall use Commercially Reasonable Efforts to so transfer any other such arrangements. For a period of sixty (60)
calendar days following the Closing, in the case of ACH debit or credit transactions (&ldquo;<U>ACH Entries</U>&rdquo;) to accounts
constituting Deposits (the final Business Day of such period being the &ldquo;<U>ACH Entries Cut-Off Date</U>&rdquo;), Seller shall
transfer to Purchaser all received ACH Entries by 9:00 a.m., Eastern Time (or such other mutually agreed upon time), each Business
Day. Such transfers shall contain ACH Entries effective for that Business Day only. Purchaser shall be responsible for returning
ACH Entries to the originators through the ACH clearing house for ACH Entries that cannot be posted for any reason, including as
a result of insufficient funds in the applicable Deposit account or the applicable Deposit account being closed. Purchaser shall
provide an ACH Entries test file to Seller for validation of format at least fourteen (14) calendar days prior to the Closing Date.
Compensation for ACH Entries 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 Entries Cut-Off Date, Seller may discontinue forwarding ACH Entries and funds and return such ACH Entries 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 ACH Entries arrangements related to the Branches. At the time of the ACH Entries 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
agrees that in the event that it or any of its Affiliates receives any ACH Entries related to the Deposits prior to the Closing
(each, an &ldquo;<U>Unauthorized ACH Entry</U>&rdquo;), Purchaser shall not accept such Unauthorized ACH Entry and return the related
ACH Entries to the originators through the ACH clearing house. Purchaser agrees to indemnify Seller for any claims or losses that
Seller may incur as a result of Purchaser&rsquo;s failure to perform its obligations set forth in the preceding sentence.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 ACH Entries of such accounts by third parties, instructing such customers
concerning the transfer of customer ACH Entries authorizations from Seller to Purchaser. Beginning on the Closing Date, Purchaser
shall provide, through the ACH clearing house, electronic Notification of Change Entries to the ACH originators of such ACH Entries
with account numbers relating to the Deposits. Purchaser shall provide an ACH Notification of Change test file to Seller for validation
of format at least fourteen (14) calendar days prior to the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
shall establish ACH service prior to Closing Date for all ACH originator accounts. As soon as practicable after the notice provided
in Section 4.2(a), Purchaser shall contact all ACH originator clients to (i) notify them of the change in service following the
Closing Date and (ii) establish ACH service prior to Closing Date including appropriate client testing. Any ACH origination file
received prior to Closing Date regardless of the effective date will be processed by Seller. Seller will be responsible for creating
client reporting for any ACH return transactions that were originated prior to, but returned after, Closing Date. Seller may create
settlement transactions to ACH originators for returned or exception transactions received for files originated prior to the Closing
Date for a period of up to sixty (60) days following the Closing Date or the effective date of the last file processed by the Seller
prior to the Closing Date, whichever is later. These settlement transactions will be posted to the Purchaser&rsquo;s DDA account
and Purchaser will be provided the details of these transactions to post.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Wires</U>.
After the Closing Date, Seller shall (a) no longer be obligated to process or forward to Purchaser any incoming or outgoing Wires
received by Seller for credit to accounts constituting Deposits, and (b) return all Wires received after the Closing Date to the
originator as unable to apply to the referenced account constituting a Deposit. Upon reasonable request by Purchaser, Seller shall
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 twenty (20) 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; 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access
to Records</U>. (a) From and after 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>

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

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

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<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; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>ATM
and Debit Cards</U>. Seller will use Commercially Reasonable 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 Seller will provide Purchaser with an updated
record from time to time prior to the Closing along with other conversion sample files (to include no less than three (3) sample
files not including the conversion file). At or promptly after the Closing, Seller will provide Purchaser with a revised record
through the Closing. 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&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. 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
later than thirty (30) calendar days prior to the Closing Date, Purchaser will open and maintain a demand deposit account with
Seller to be used for settlement activity for deposits and loans/lines following the Closing Date. Seller will provide Purchaser
with a daily statement for this account. Purchaser will be responsible for initiating all funding and draw-down activity against
this account. 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 this account will include items drawn on a Deposit but presented
to the Seller for payment, ACH transactions, Direct Debit transactions, Returned Items and payments made to Seller for Loans.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Infrastructure
Installation</U>. 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), Seller grants to Purchaser a license at each of the Branches to (a) install voice and data circuits to the main
point of entry at each Branch, (b) install Purchaser&rsquo;s network interface equipment (router/switches), and (c) extend circuit
demarcation points from the main point of entry at the applicable Branch to such network interface equipment (collectively, the
Infrastructure Installation&rdquo;), it being agreed that under no circumstance shall the Infrastructure Installation include the
installation or modification of station cabling for equipment, including printers, phones, personal computers and security cameras.
All Infrastructure Installations shall be in accordance with the following terms and conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Infrastructure Installation shall be at the sole cost and expense of Purchaser, including the cost of obtaining all permits, licenses
or other approvals, the cost of moving Seller&rsquo;s furniture, fixtures or equipment, and the cost of internal or external utility
relocation. Purchaser shall be solely responsible for repairing or replacing any damage or destruction to its installed infrastructure.
Additionally, Purchaser shall repair any damage occurring at any Branch during the Infrastructure Installation process as a result
of the installation and shall restore any area altered to its pre-existing condition if the Closing does not occur.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Infrastructure Installation shall be completed in a commercially reasonable and workmanlike manner and shall comply with the requirements
of all local, state, and federal governmental authorities and quasi-governmental authorities, including with respect to materials
and installation. Purchaser shall be responsible for obtaining all permits, licenses, or other approvals necessary for the Infrastructure
Installation. Seller shall reasonably cooperate with Purchaser to obtain the necessary permits, licenses, or other approvals including,
but not limited to, landlord consents for the installation of new signage per Section 4.10(v). Purchaser shall provide proof of
receipt of approvals and permits to Seller upon request.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Infrastructure Installation shall be performed a manner that does not unreasonably interfere with the normal business activities
and operations of the Branches. The Infrastructure Installation that would reasonably be expected to interfere with Seller&rsquo;s
normal business activities or with the business activities of other users of the property at which the Branch is situated may be
required to be scheduled after regular business hours, at Purchaser&rsquo;s sole cost and expense.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the commencement of any work, Purchaser shall submit to Seller and such consultant as Seller may from time to time designate
plans and specifications for the Infrastructure Installation (&ldquo;<U>Installation Plans</U>&rdquo;), locations and any required
changes to the existing physical building and current infrastructure. Purchaser shall not proceed with any Infrastructure Installation
until Seller&rsquo;s written approval has been obtained (such approval not to be unreasonably withheld, conditioned or delayed).
Purchaser shall provide at least three (3) Business Days&rsquo; advance written notice of a proposed time or times for access,
and Seller shall confirm in writing that the proposed time is acceptable with Seller and Seller&rsquo;s consultant or the parties
shall agree upon an alternative time. All Infrastructure Installation work shall be coordinated with Seller and Seller&rsquo;s
consultant to allow Seller and/or its consultant to be present on site during all such work. All Infrastructure Installation shall
be subject to the on-site direction of Seller and/or Seller&rsquo;s consultant with respect to protecting Seller&rsquo;s physical
and information security and live technology environment, which may include work stoppage at the sole discretion of Seller and/or
Seller&rsquo;s consultant without any liability to Seller or Seller&rsquo;s consultant hereunder.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
the Branch is located on Leased Real Property, the Infrastructure Installation shall comply with the applicable Branch Lease, including
obtaining the landlord&rsquo;s approval of any Infrastructure Installation if required. If the Branch is within a building or center
in which the landlord leases property to additional tenants, the Infrastructure Installation shall not unreasonably interfere with
the business and operations of the additional tenants. Where required under the applicable Branch Lease, landlord approval of the
Installation Plans shall be obtained prior to the commencement of any Infrastructure Installation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(vi)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to commencing any Infrastructure Installation, Purchaser shall provide a certificate of insurance to Seller acceptable to
Seller in its sole discretion, evidencing (a) statutory workers&rsquo; compensation insurance coverage and (b) public
liability and property damage insurance coverage in the minimum amount of $2,000,000, and evidence that such insurance is (i)
issued by an insurance company reasonably acceptable to Seller and admitted to engage in the business of insurance in the
state in which the Branch is situated, (ii) primary and noncontributing insurance for all claims, and (iii) renewable, not
cancelable, and not the subject of material change in coverage or available limits of coverage, except on thirty (30)
days&rsquo; prior written notice to Seller.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(vii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
agrees that the Infrastructure Installation by Purchaser or its agents or contractors shall be at the risk of Purchaser, and Purchaser
hereby assumes all risk and responsibility for any loss, damage to, or theft of the Infrastructure Installation and neither Seller
nor its Affiliates or insurers shall be liable to Purchaser for any injury or damage to the Infrastructure Installations arising
from any act or omission of any officer, director, shareholder, employee, agent, contractor or invitee of Seller or any of its
Affiliates (other than actions taken with a specific intent to cause injury or damage by such Persons), or the act or omission
of any other person whatsoever. Neither Seller nor any of its Affiliates will be insuring, and shall have no obligation to insure,
directly or as part of any policy of insurance now or hereafter held by Seller or any of its Affiliates in whole or in part with
respect to the Branches, any of the Infrastructure Installations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">(viii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
will indemnify Seller and save it harmless from and against any and all claims, actions, damages, liability and expense, including
reasonable attorneys&rsquo; fees, in connection with Purchaser&rsquo;s access to the Branches and/or the Infrastructure Installations
at the Branches pursuant to this Agreement or occasioned wholly or in part by act or omission of Purchaser, its employees, contractors,
or agents (including any liens that may arise from work being performed at Purchaser&rsquo;s request at the Branches). The provisions
of this paragraph shall survive the termination or earlier expiration of the term of this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.6in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee
Training</U>. In accordance with the terms of this Agreement, within fifteen (15) calendar days of the date of this Agreement,
Seller and Purchaser shall agree to mutually acceptable terms and conditions under which Purchaser shall be permitted to provide
training to Seller&rsquo;s employees at the Branches who 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 after receipt of Regulatory Approvals (except for the expiration of statutory waiting periods). All training and
employee informational meetings shall be conducted in a manner that will not unreasonably interfere with the business activities
of the Branches. 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 and informational meetings to
the extent such time and expenses would not have been spent or incurred by such prospective Transferred Employee but for such training
activities or informational meetings, and Purchaser shall reimburse Seller for reasonable 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 or informational meetings 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.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>[Reserved]</U></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses
Relating to Transitional Matters</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 the Branches for
transfer to Purchaser in accordance with the terms of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.14&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, within a
commercially<FONT STYLE="color: red"> </FONT>reasonable amount of time<FONT STYLE="color: red">,</FONT> 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 one representative present at each Branch in order 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">4.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Customer
Claims</U>. (a) In instances where a depositor of a Deposit made an assertion of error regarding an account constituting a Deposit
account pursuant to federal regulations or Seller&rsquo;s internal policies and procedures, and, prior to the Closing, Seller recredited
the disputed amount to the relevant account during the conduct of the error investigation, during the one hundred and twenty (120)
calendar days following the Closing (the &ldquo;<U>Customer Claims Period</U>&rdquo;), Purchaser agrees to comply with a written
request from Seller to debit such account in an amount equal to the disputed amount and remit such amount to Seller where the depositor
is determined by Seller liable for such disputed amount.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;During
the Customer Claims Period, in instances where (i) a depositor of a Deposit makes, or prior to Closing has made, an assertion of
error regarding an account constituting a Deposit account pursuant to federal regulations or Seller&rsquo;s internal policies and
procedures that was alleged to have occurred prior to Closing, and (ii) Seller determines in accordance with its internal policies
and procedures to recredit the disputed amount to such depositor, Seller shall transfer to Purchaser the disputed amount and Purchaser
shall credit the relevant account of the depositor in an amount equal to the disputed amount. In instances where, during the Customer
Claims Period, Seller determines that the depositor is liable for such disputed amount, Purchaser agrees to comply with a written
request from Seller to debit such account in an amount equal to the disputed amount and remit such amount to Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
parties agree that all transfers or remittances made between Seller and Purchaser pursuant to Sections 4.15(a) or 4.15(b) shall
be made through the demand deposit account established by Purchaser pursuant to Section 4.9(e).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;From
the Closing Date through the third anniversary thereof, Seller shall promptly notify Purchaser upon learning of any Warranty Claim,
and Seller and Purchaser shall cooperate to resolve any Warranty Claims, including by Purchaser debiting such Deposit account for
the amount at issue in the applicable Warranty Claim (the &ldquo;<U>Warranty Amount</U>&rdquo;) or otherwise using Commercially
Reasonable Efforts to obtain the Warranty Amount from such Deposit accountholder to the extent such accountholder remains an accountholder
of a Deposit assumed by Purchaser under this Agreement. Purchaser shall promptly remit to Seller the Warranty Amount, or the maximum
amount Purchaser is able to debit such account by or to otherwise obtain from such Deposit accountholder, if less than the Warranty
Amount.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">Seller represents and
warrants to Purchaser, 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), 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate
Organization and Authority</U>. Seller is a state-chartered banking corporation, duly organized and validly existing under the
laws of the Commonwealth of Virginia, and has the requisite power and authority to conduct the business now being conducted at
the Branches. Seller 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 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Conflicts</U>. The execution, delivery and performance of this Agreement 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 Branch Leases) 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. 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Approvals
and Consents</U>. Other than Regulatory Approvals and such filings under the Exchange Act as may be required in connection with
this Agreement or the P&amp;A Transaction, 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. 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Leases</U>.
Each Branch Lease and 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 the lessor or sublessee, as applicable,
under any such Branch Lease or Tenant Lease. As used in this Section 5.4, the term &ldquo;lessor&rdquo; includes any sub-lessor
of the property to Seller. The Branch Leases give Seller the right to occupy the building and land comprising the related Branch
in accordance with the terms of such Branch Lease. Other than the Tenant Leases, there are no subleases, licenses or other agreements
providing rights of occupancy to third parties 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Litigation
and Undisclosed Liabilities</U>. 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 that, individually
or in the aggregate, would reasonably be expected to have a Material Adverse Effect. 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Matters</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(a) There 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 or relating to or initiated by any current or former Branch employee.</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 the Branches, the Assets or the Assumed Liabilities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Laws</U>. All business of the Branches or relating to the Assets and the Assumed Liabilities has been conducted in compliance
with all federal, state and local laws, regulations, rules and ordinances applicable thereto, except non-compliance which does
not have a Material Adverse Effect.</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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. 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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is supported by documentation that accurately reflects in all material respects the payment history, the outstanding balance, and all receipts pertaining to the Loan from the obligor(s) thereof and all credits to which such obligor(s) are entitled;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(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 Lien, to the extent secured by a valid and enforceable Lien in the collateral therefor, and has the priority reflected in Seller&rsquo;s records and (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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is not subject to any taxes or other liability that will accrue against Seller or be collected from Purchaser by reason of the purchase thereof by Purchaser;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vi)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">has been serviced by Seller in a manner consistent with Seller&rsquo;s ordinary practices in all material respects and in compliance in all material respects with all applicable requirements of federal, state and local laws and regulations thereunder;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is not subject to any unpaid license, franchise, intangible, stamp or other tax or fee due and owing to any state where the Loan was originated, or any political subdivision thereof, arising from or growing out of the acquisition, collection or holding of the Loan;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(viii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">was originated without any civil or criminal fraud by Seller or any of its agents, officers, employees or representatives and no civil or criminal fraud by such Persons will occur with respect to the transfer, assignment and sale of the same to Purchaser hereunder;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ix)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is not currently being serviced by third parties and there are no obligations, agreements or understanding that could result in any such Loan becoming subject to third-party servicing; and</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(x)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">has not been identified as improperly serviced by any state, federal or other regulatory agency.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-indent: -0.25in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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. To Seller&rsquo;s knowledge, all Deposit account contracts and signature cards have actually been
signed or executed by all necessary parties and are genuine, and are assignable and transferable at the Closing to Purchaser. To
Seller&rsquo;s knowledge, there are no Deposit accounts that are subject to any judgment, decree or order of any Regulatory Authority.
Each Deposit account balance and interest accrued as shown on the Seller&rsquo;s books and records are true and correct as of the
last date shown thereon. 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental
Laws; Hazardous Material</U>. (a) Except as would not, individually or in the aggregate, have a Material Adverse Effect, each parcel
of Real Property:</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is and has been operated by Seller in compliance with all applicable Environmental Laws, which compliance includes possessing and complying with all permits, authorizations and approvals required by Environmental Laws for its operations (collectively, &ldquo;<U>Environmental Permits</U>&rdquo;) and complying with all requirements related to notice, recordkeeping and reporting;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">is not the subject of any written notice received by Seller from any governmental authority or other Person alleging the violation of or liability under, any applicable Environmental Laws;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to Seller&rsquo;s knowledge, is not currently subject to any court order, administrative order or decree arising under any Environmental Law;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">has not been used by Seller or, to Seller&rsquo;s knowledge, any other Person for the disposal of Hazardous Material and, to Seller&rsquo;s knowledge, is not contaminated with any Hazardous Material requiring removal or remediation under any applicable Environmental Law;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to Seller&rsquo;s knowledge, with respect to any Hazardous Material, the only use of any such Hazardous Material has been in such amounts and types as is lawful under Environmental Law; and</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vi)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">to Seller&rsquo;s knowledge, has not had any releases, emissions, or discharges of Hazardous Material except as permitted under applicable Environmental Laws.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left; margin-left: 0.75in">&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 delivered to Purchaser on or prior to the date hereof true and complete copies of all documents, records and information in
its possession or control that identify environmental liabilities and other environmental matters, including without limitation,
previously conducted environmental site assessments, reports, studies, surveys and other similar documents or information related
to each parcel of the Real Property.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Brokers&rsquo;
Fees</U>. In the negotiation of this Agreement, there has been no participation or intervention by any person, firm or corporation
engaged by Seller that would give rise to any claim against Purchaser for a finder&rsquo;s fee, commission, or similar payment.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has not received any written notice of any, and to Seller&rsquo;s knowledge, there are no 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 or other applicable laws and regulations relating to the 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 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 Real Property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as set forth on Schedule 5.14(c) of the Seller Disclosure Schedule, there is no 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-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has received no written notice of any, and to Seller&rsquo;s knowledge, it is not in 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Seller nor any of its Affiliates has entered into any agreement regarding the Real Property (other than the Branch Leases and the
Tenant Leases), 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
has valid title to its Personal Property, free and clear of all Encumbrances (other than Permitted 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence
of Certain Changes or Events</U>. Since December 31, 2012, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<U>Employee Benefit Plans; Labor Matters</U>. (a) Seller provided to Purchaser on or before the date hereof, 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 full name, sex, date of birth, age, formal job title, position, status (active
or on statutory or employer approved leave and full-time or part-time), definition of &ldquo;part time&rdquo; for determination
of status, number of part time hours per week (if applicable), annual current salary or wage rate, recent incentive compensation,
business location, exempt/non-exempt status under the Fair Labor Standards Act (as classified by Seller), regularly scheduled hours,
annual vacation entitlement, applicable incentive plan, date of hire (original and most recent as applicable), location (by department
code or cost center). Such lists shall be updated by Seller and provided to Purchaser on dates that are mutually agreed to by Purchaser
and Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&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 plan that has two or more contributing sponsors at least two of whom are not under common control within the meaning of Section
4063 of ERISA.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Benefit Plan in which Branch Employees participate has been administered in all material respects in accordance with its terms
and in compliance with the applicable provisions of ERISA, the Code and other applicable law and regulatory requirements.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
provided to Purchaser on or before the date hereof in writing, complete and accurate summaries of each Benefit Plan in which Branch
Employees participate, carriers for each such Benefit Plan, total premiums for each such Benefit Plan (including Seller-paid and
employee-paid portions of such premiums) including, but not limited to, health and welfare plans, COBRA obligations outstanding
with respect thereto, dental plans, vision plans, group life, health, accident, and long-term and short-term disability plans,
401(k) or other retirement or deferred compensation plans, vacation policy and the current number of vacation days for each Branch
Employee and sick leave policy and the current number of sick leaves day for each Branch Employee.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;With
respect to the Branch Employees, the Seller and each of its Affiliates is in compliance in all material respects with all applicable
legal and regulatory requirements respecting employment and employment practices, including those relating to labor management
relations, wages, hours, overtime, employee classification, discrimination, sexual harassment, civil rights, affirmative action,
work authorization, immigration, safety and health, information privacy and security, workers compensation, continuation coverage
under group health plans, wage payment and the payment and withholding of Taxes.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Available
Funds</U>. Seller has available, and as of the Closing Date will have available, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">5.18&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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate
Organization and Authority</U>. Purchaser is a state-chartered banking corporation, duly organized and validly existing under the
laws of the State of South Carolina 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 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Conflicts</U>. The execution, delivery and performance of this Agreement 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Approvals
and Consents</U>. Other than the Regulatory Approvals and such filings under the Exchange Act as may be required in connection
with this Agreement or the P&amp;A Transaction, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Matters</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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, or investigation or inquiry by any such agency or authority that 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-align: justify; 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 relating to Purchaser or its
Affiliates for any such opposition or refusal.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Purchaser 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 that would
be reasonably expected to have a Material Adverse Effect on the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
is, and on a pro forma 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, including any such higher requirement, standard or ratio as shall apply to institutions engaging in
the acquisition of insured institution deposits, assets or branches, and no such regulator is likely to, or 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Operation
of the Branches</U>. Purchaser intends to continue to provide banking services in the Geographic Coverage Area served by the Branches
comparable to the banking services Purchaser currently provides in the geographic markets served by its existing branches.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.7&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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.8&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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">6.9&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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 may be required by a Regulatory Authority
or applicable law or (ii) as contemplated hereby, Seller (a) will, with respect to the Branches, the Assets and the Assumed Liabilities,
use Commercially Reasonable Efforts to preserve its business relationships with depositors, (b) will maintain the Branches in their
current condition, ordinary wear and tear excepted, (c) use Commercially Reasonable 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) 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Increase or agree to increase the salary or wage rate and incentive opportunity of any Branch Employee, other than normal salary or wage increases in the ordinary course of business consistent with past practice (however, 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(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)&nbsp;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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Hire any employee for any of the Branches other than in the ordinary course of business and consistent with past practices, including with respect to compensation and benefit levels; <I>provided, however,</I> Seller shall consult with Purchaser prior to the hire of any individual employed as a Branch Manager, commercial loan officer, mortgage lending officer or in any other managerial capacity;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vi)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(viii)</FONT></TD>
    <TD STYLE="text-align: justify"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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 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="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ix)</FONT></TD>
    <TD><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amend, modify or extend any Loan, except in the manner provided in Section 7.8;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(x)</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(xi)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(xii)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Make or agree to make any material improvements to the Owned Real Property or the leased property subject to a Branch Lease, except normal maintenance or refurbishing purchased or made in the ordinary course of business;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(xiii)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Close, sell, consolidate, relocate or materially alter any Branch or otherwise file any application or give any notice to relocate or close any Branch;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(xiv)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Amend, terminate or extend in any material respect any Branch Lease or Tenant Lease; <I>provided, however, </I>Seller may extend any Branch Lease or Tenant Lease if, in its reasonable business judgment, Seller determines such extension is necessary to deliver the Branch on the Closing Date as a fully operative branch banking operation or to avoid the deemed waiver of any right to extend the term of a Branch Lease;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(xv)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Release, compromise or waive any material claim or right that is part of the Assets or the Assumed Liabilities; or</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(xvi)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Agree with, or commit to, any person to do any of the things described in clauses (i) through (xv) except as contemplated hereby.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 this 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 and the Assumed Liabilities; <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; <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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. (a) As soon as practicable and in no event later than twenty (20) calendar 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 reasonably 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser and Seller shall
not, and shall cause their respective 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 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents</U>.
(a) Seller agrees to use Commercially Reasonable Efforts to obtain from lessors under Branch Leases 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, and any required preapproval of new signage to be installed pursuant
to clause (iv) of Section 7.9; <I>provided</I> that, in the case of any Branch Lease, if any consent set forth in this Section
7.4(a) is not obtained notwithstanding Seller&rsquo;s use of Commercially Reasonable Efforts as required hereunder, the parties
shall negotiate in good faith and Seller and Purchaser shall use Commercially Reasonable Efforts to enter into a sublease on substantially
the same terms (if permitted by the applicable Branch Lease) or make alternative arrangements reasonably satisfactory to Purchaser
that provide Purchaser, to the extent reasonably possible, the benefits and burdens of the properties subject to Branch Leases
in a manner that does not violate the applicable Branch 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
material monetary obligations or expenditures to the parties whose consent is requested in connection with the utilization of Commercially
Reasonable 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 Commercially Reasonable 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 Branch Lease pursuant to the terms of this Agreement applicable to leases assigned at Closing, and the
parties shall restructure the applicable alternative arrangement. If any alternative arrangement is not implemented between the
Seller and Purchaser at or prior to the Closing, the specific Branch Lease shall be excluded from the Assumed Liabilities set forth
in Section 2.2 of this Agreement and from the Assets set forth in Section 2.1 of this Agreement and the Purchase Price shall be
reduced accordingly. Purchaser agrees to assume the Deposits for any Branch excluded from the P&amp;A Transaction pursuant to this
Section 7.4(a), subject to Purchaser&rsquo;s ability to satisfy all applicable regulatory requirements. Notwithstanding any contrary
provision in this Agreement, Purchaser shall, and does hereby, waive (i) any failure by Seller to comply with any representation
or warranty made by Seller in this Agreement and any breach of any covenant or agreement to be performed by Seller pursuant to
this Agreement (whether any such failure or breach currently exists or occurs in the future) arising out of or relating to any
Branch Lease excluded from the P&amp;A Transaction pursuant to this Section 7.4(a), and (ii) any rights or remedies relating to
any such failure or breach.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b) Unless otherwise
directed by Purchaser, Seller shall use Commercially Reasonable Efforts to procure estoppel certificates substantially in the form
of Exhibit 7.4(b)-1 attached hereto, from each lessor under Branch Leases, and in the form of Exhibit 7.4(b)-2 from each subtenant
under Tenant Leases, which certificates shall be at the expense of Purchaser; <I>provided</I> that in the case of any Branch Lease,
if any estoppel certificate as set forth in this Section 7.4(b) is not obtained, notwithstanding Seller&rsquo;s use of Commercially
Reasonable Efforts as required hereunder, the Assets and Assumed Liabilities associated with the subject Branch shall be transferred
to Purchaser and the parties shall negotiate in good faith and Seller shall use Commercially Reasonable Efforts to make alternative
arrangements reasonably satisfactory to Purchaser with respect to such Branch Lease, <I>provided</I>, <I>further</I>, that Seller
shall not be obligated to incur any material monetary obligations or expenditures to lessors or 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Efforts
to Consummate; Further Assurances</U>. (a) Purchaser and Seller agree to use Commercially Reasonable 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; 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 solely relate 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 Geographic Coverage Area serving the mass retail mortgage 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 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 wealth and investment management and insurance businesses, so long as such activities are not conducted through
the use of the confidential information described in the preceding clause (i); and <I>further provided</I>, that this Section 7.6(a)
shall not prohibit or in any way limit Seller or any of its Affiliates, after the Closing Date, from effectively servicing, maintaining
and renewing the Excluded Loans, including the maintenance of any deposits providing collateral therefor. Except as set forth in
the foregoing sentence, 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-top: 0pt; text-align: left; margin-bottom: 0pt">&nbsp;</P>

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

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

<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; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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>

<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; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>.
Seller shall 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 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Name, Etc.</U> 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 FDIC 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 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 the applicable Branch
Lease and all applicable zoning and permitting laws and regulations; and (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, upon reasonable prior notice
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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>[Reserved]</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental
Reports and Investigations</U>. (a) Purchaser shall have the right to inspect, including the right to conduct a Phase I environmental
site assessment compliant with the ASTM E1527-013 Standard, as such standard may be amended or revised (a &ldquo;<U>Phase I</U>&rdquo;),
all parcels of Real Property at Purchaser&rsquo;s sole cost and expense within 60 calendar days from the date of this Agreement
(&ldquo;<U>Environmental Inspection Period</U>&rdquo;). Purchaser shall provide Seller with copies of each Phase I upon request.
Seller shall allow reasonable access to the Real Property to Purchaser and its employees, agents, contractors, consultants, or
other representatives in order to conduct such inspection. Purchaser shall report the final results of any Phase I, together with
its objections to: (A) any identified recognized environmental conditions (&ldquo;<U>REC</U>s&rdquo;) associated with the Real
Property, (B) any material violation of applicable Environmental Laws that affects the Real Property or (C) any Environmental Condition
or other condition of the Real Property that would require investigation or cleanup under applicable Environmental Laws, if any,
to Seller during the Environmental Inspection Period; provided, that without the prior written consent of Seller, Purchaser shall
not conduct any soil sampling, conduct any ground water monitoring or install any test well or undertake any other invasive investigation
that requires a permit or license from, or the reporting of the investigation or the results thereof to, a local or state environmental
regulatory authority or the United States Environmental Protection Agency. If Purchaser objects to any Environmental Condition
with respect to any parcel of Real Property, Seller and Purchaser shall address such Environmental Condition as set forth in subsection
(b) below. Seller shall cooperate in the performance of any environmental assessments, provided that such assessments are conducted
at a mutually agreeable date and time after reasonable prior notice to Seller by Purchaser and such assessments are accomplished
in a manner intended to minimize disruption to the operations of the Branch.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Purchaser discovers an Environmental Condition on any parcel of the Real Property, Purchaser, at its option, shall provide notice
to Seller during the Environmental Inspection Period of either (A) Purchaser&rsquo;s exclusion of any certain parcel of Real Property
from the Assets set forth in Section 2.1 of this Agreement and the Purchase Price shall be reduced accordingly; (B) Purchaser&rsquo;s
acceptance of such Real Property as an Asset, or (C) Purchaser&rsquo;s election to request that Purchaser be permitted to cause
to be prepared at its sole expense a Phase II environmental survey of such Real Property, or such other appropriate investigation
as Purchaser deems necessary. If Seller permits Purchaser to conduct Phase II or additional inspection, then the parties shall
extend the Environmental Inspection period as necessary, and Purchaser shall notify Seller of the results of such Phase II or additional
inspection. If Purchaser objects to any Environmental Condition identified by the Phase II or additional inspection, the Purchaser
and Seller may extend the Environmental Inspection Period and attempt to resolve the Environmental Condition in a manner agreeable
to both parties. In the event that Seller chooses not to permit Purchaser to conduct a Phase II environmental survey or additional
inspection of such Real Property or Purchaser and Seller cannot resolve Seller&rsquo;s objections to an Environmental Condition
identified by the Phase II or additional inspection, Purchaser shall have the option to (1) exclude any certain parcel of Real
Property as an Asset under Section 2.1 of this Agreement and exclude as an Assumed Liability under Section 2.2 of this Agreement
any duty, responsibility, obligation or liability associated with such parcel, and the Purchase Price shall be reduced accordingly;
or (2) continue with the purchase of any such parcel of Real Property as an Asset. Purchaser agrees to assume the Deposits for
any Branch excluded from the P&amp;A Transaction pursuant to this Section 7.11(b), subject to Purchaser&rsquo;s ability to satisfy
all applicable regulatory requirements. Notwithstanding any contrary provision in this Agreement, Purchaser shall, and does hereby,
waive (i) any failure by Seller to comply with any representation or warranty made by Seller in this Agreement and any breach of
any covenant or agreement to be performed by Seller pursuant to this Agreement (whether any such failure or breach currently exists
or occurs in the future) arising out of or relating to any parcel of Real Property excluded from the P&amp;A Transaction pursuant
to this Section 7.11(b), and (ii) any rights or remedies relating to any such failure or breach.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Appraisals;
Title Insurance and Surveys</U>. (a) Purchaser may, at its own cost, have appraisals completed on each of the Owned Real Properties
prior to the Closing Date. Seller will make the Owned Real Properties available during normal working hours to the appraisers engaged
by Purchaser. Purchaser shall provide Seller with copies of all completed appraisals upon request.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;Seller agrees to
deliver to Purchaser within five (5) Business Days after execution of this Agreement, copies of all material title and lease information
in the possession or control of Seller, including, but not limited to, title insurance policies and commitments, surveys, covenants,
deeds, notes and mortgages, subleases and easements relating to the Owned Real Property (including a copy of the deed vesting title
in the Owned Real Property in Seller and copies of all documents, instruments or agreements evidencing or creating the exceptions
referenced in Seller&rsquo;s title policy). Purchaser will be deemed to have received all of the foregoing unless it provides notice
to Seller that it has not received some or all of the foregoing on or before the twentieth (20<SUP>th</SUP>) Business Day following
the date of this Agreement. Within thirty (30) Business Days after execution of this Agreement, Purchaser shall obtain one or more
title insurance commitments for the Owned Real Property (each, a &ldquo;Title Commitment&rdquo;) issued by the Title Insurer and,
at Purchaser&rsquo;s option, ALTA land title surveys of the Owned Real Property dated subsequent to the date of this Agreement,
prepared and certified as to all matters shown thereon by a surveyor licensed by the State of South Carolina or North Carolina,
as applicable (each, a &ldquo;Survey&rdquo;), which Surveys may show the location of all improvements and shall be sufficient for
the Title Company to insure over standard survey related exceptions in the final Title Policies. In addition, the Surveys shall
include a notation stating whether or not a portion of such Owned Real Property is located in a 100-year flood plain or flood-prone
area of special flood hazard and shall show the specific location of any portions of such Owned Real Property that may be located
in any such flood areas. The cost of the Title Commitments and Surveys shall be the responsibility of Purchaser. Purchaser shall
provide Seller with copies of the Surveys upon request.</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
agrees to notify Seller in writing within forty (40) Business Days after the date of this Agreement of any Encumbrances, reservations,
subtenancies, encroachments, activity or use limitations, overlaps or other title exceptions or zoning or similar land use violations
or defects shown in a Title Commitment or Survey related to the Owned Real Property to which Purchaser reasonably objects (the
&ldquo;Title Defects&rdquo;). Purchaser agrees that Title Defects shall not include (1) Property Taxes not yet due and payable,
(2) existing easements, restrictions, and rights of way that do not materially interfere with the use, development, or redevelopment
of the Owned Real Property as a banking branch office or otherwise, or materially affect the value thereof, as determined by Purchaser
in its reasonable discretion, (3) existing building and zoning ordinances or (4) printed exceptions on the jackets of the Title
Commitments generally contained in any ALTA owner&rsquo;s standard coverage policy of title insurance but excluding the standard
exceptions which Seller covenants to cause to be removed at Closing (collectively, the &ldquo;<U>Permitted Encumbrances</U>&rdquo;).
Permitted Encumbrances shall not include any mortgages, deeds of trust, Liens, or other monetary encumbrances created by, through,
or under Seller. Seller shall use Commercially Reasonable Efforts to correct each Title Defect to Purchaser&rsquo;s reasonable
satisfaction at least twenty (20) Business Days prior to Closing; provided that, except to satisfy or cause to be released of record
all Liens, Seller shall not be obligated to cure Title Defects pursuant to this Section 7.12(c). If, within such twenty (20) Business
Day period, Seller (x) fails to cure any such Title Defects to Purchaser&rsquo;s reasonable satisfaction or (y) gives notice to
Purchaser that it has elected not to remedy or remove some or all of the Title Defects, Purchaser and Seller shall attempt to negotiate
the terms and conditions of the sale of such Owned Real Property, including a corresponding Purchase Price adjustment that is agreeable
to both parties. Notwithstanding the foregoing, in the event that Purchaser and Seller are not able to renegotiate the terms and
conditions of such sale within five (5) Business Days of such dispute arising, Purchaser shall have the option (upon written notice
to Seller, such notice to be received by Seller no later than ten (10) Business Days after such five (5) Business Day negotiation
period) to (A) waive its objection to such Title Defect(s), in which case such Title Defect(s) shall be deemed to be a Permitted
Encumbrance, or (B) exclude such Owned Real Property as an Asset under Section 2.1 of this Agreement and exclude as an Assumed
Liability under Section 2.2 of this Agreement any duty, responsibility, obligation or liability associated with such parcel, and
adjust the Purchase Price accordingly. If Purchaser fails to give such notice within said ten (10) Business Day period, Purchaser
will be deemed to have waived such Title Defect(s) pursuant to provision (A) in the preceding sentence. Purchaser agrees to assume
the Deposits for any Branch excluded from the P&amp;A Transaction pursuant to this Section 7.12(c), subject to Purchaser&rsquo;s
ability to satisfy all applicable regulatory requirements. Notwithstanding any contrary provision in this Agreement, Purchaser
shall, and does hereby, waive (i) any failure by Seller to comply with any representation or warranty made by Seller in this Agreement
and any breach of any covenant or agreement to be performed by Seller pursuant to this Agreement (whether any such failure or breach
currently exists or occurs in the future) arising out of or relating to any Owned Real Property excluded from the P&amp;A Transaction
pursuant to this Section 7.12(c), and (ii) any rights or remedies relating to any such failure or breach.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
shall have the right to update title matters at Closing for any changes that may have arisen between the dates of the Title Commitments
and the Closing Date. If such update indicates that any Title Defects have arisen since the date of the Title Commitment (&ldquo;New
Title Defects&rdquo;), and Purchaser reasonably objects thereto, then Seller may elect to delay the Closing for up to twenty (20)
Business Days while Seller uses Commercially Reasonable Efforts to cure such New Title Defects to Purchaser&rsquo;s reasonable
satisfaction. If, within such twenty (20) Business Day period, Seller (x) fails to cure any such New Title Defects to Purchaser&rsquo;s
reasonable satisfaction or (y) gives notice to Purchaser that it has elected not to remedy or remove some or all of the New Title
Defects, Purchaser and Seller shall attempt to negotiate the terms and conditions of the sale of such Real Property, including
a corresponding Purchase Price adjustment that is agreeable to both parties. Notwithstanding the foregoing, in the event that Purchaser
and Seller are not able to renegotiate the terms and conditions of such sale within five (5) Business Days of such dispute arising,
Purchaser shall have the option (upon written notice to Seller, such notice to be received by Seller no later than ten (10) Business
Days after such five (5) Business Day negotiation period) to (A) waive its objection to such New Title Defect(s), in which case
such New Title Defect(s) shall be deemed to be a Permitted Encumbrance or (B) exclude such Owned Real Property as an Asset under
Section 2.1 of this Agreement and exclude as an Assumed Liability under Section 2.2 of this Agreement any duty, responsibility,
obligation or liability associated with such parcel, and adjust the Purchase Price accordingly. If Purchaser fails to give such
notice within said ten (10) calendar day period, Purchaser will be deemed to have waived such New Title Defect(s) pursuant to provision
(A) in the preceding sentence. Purchaser agrees to assume the Deposits for any Branch excluded from the P&amp;A Transaction pursuant
to this Section 7.12(d), subject to Purchaser&rsquo;s ability to satisfy all applicable regulatory requirements. Notwithstanding
any contrary provision in this Agreement, Purchaser shall, and does hereby, waive (i) any failure by Seller to comply with any
representation or warranty made by Seller in this Agreement and any breach of any covenant or agreement to be performed by Seller
pursuant to this Agreement (whether any such failure or breach currently exists or occurs in the future) arising out of or relating
to any Owned Real Property excluded from the P&amp;A Transaction pursuant to this Section 7.12(d), and (ii) any rights or remedies
relating to any such failure or breach.</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">7.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Loan
Reports </U>. From the date hereof until the Closing Date, Seller shall provide Purchaser, within ten (10) days of the end of each
calendar month, a loan report showing all Loans, Diligence Loans and any loans (other than Excluded Loans) originated after the
date hereof in the Geographic Coverage Area. Seller shall also promptly provide such other information as Purchaser shall reasonably
request concerning Diligence Loans and newly originated loans so as to permit Purchaser to determine if such loans shall be added
to Exhibit 1.1(f) as Loans as provided in the definition of &ldquo;Loans&rdquo; set forth in Section 1.1.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Representations</U>. Seller represents and warrants to Purchaser that all material Tax Returns with respect to the Assets, the
Assumed Liabilities or the operation of the Branches, that are required to be filed (taking into account any extension of time
within which to file) before the Closing Date, have been or will be duly filed, and all material Taxes shown to be due on such
Tax Returns have been or will be paid in full.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.2&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-align: justify; 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>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 8.3 when due, and Purchaser shall cooperate with respect thereto
as necessary.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.4&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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.5&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 8.3, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.6&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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">8.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transferred
Employees</U>.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 0.25in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 8.7(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 (which
shall not include a credit check), 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 8.7, 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-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 0.25in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&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 8.7(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 (which shall not include a credit check) 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-align: justify; text-indent: 42pt">&nbsp;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 0.25in">(i)&nbsp;&nbsp;&nbsp;&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-align: justify; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 0.25in">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Branch Employee shall be eligible to receive employee benefits comparable to those available to other similarly situated employees
of Purchaser, as in effect from time to time; <I>provided, however,</I> that if the group health, dental or other benefits provided
to one or more Branch Employees by Seller continue through the last day of the month in which the Closing Date shall occur, such
applicable benefits to be provided by Purchaser shall not be required to become effective until the first day of the month following
the month in which the Closing Date shall occur; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 0.25in">(iii)&nbsp;&nbsp;&nbsp;&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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 66pt; text-align: justify; text-indent: 42pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 is defined by Purchaser&rsquo;s policies and procedures applicable to similarly situated employees of Purchaser and consistent
with Purchaser&rsquo;s 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 not less than the amount
of cash severance pay such Transferred Employee would have received if he or she separated from Seller under Seller&rsquo;s severance
policy as described in Schedule 8.7(c) of the Seller Disclosure Schedule; <I>provided</I>, <I>however</I>, in each case that such
Transferred Employee (i) shall be credited for service with Seller as described in Section 8.7(d) of this Agreement and (ii) shall
not be entitled to any post-employment group health, dental and similar coverage provided by 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
8.7(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 end of 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 8.7(c).</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Credit
for Service</U>. Purchaser shall cause each benefit plan, severance plan and time-off program 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 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, except that such credit shall not result in a duplication of benefits. In addition, Purchaser
shall cause each Transferred Employee to be immediately eligible to participate, without any waiting time, in any and all Purchaser
Benefit Plans, subject to Purchaser Employee Benefit eligibility requirements.</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: justify; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Pre-Existing
Conditions</U>. Pre-existing condition restrictions of Purchaser&rsquo;s health plan shall be waived with regard to the Transferred
Employees; <I>provided, however</I>, that to the extent a pre-existing exclusion applied to such Transferred Employee under Seller&rsquo;s
health plan, such pre-existing condition exclusion shall continue to apply under Purchaser&rsquo;s health plan. Purchaser shall
use Commercially Reasonable Efforts to recognize for purposes of annual deductible and out-of-pocket limits under its health plans
applicable to Transferred Employees, deductible and out-of-pocket expenses paid by Transferred Employees and their respective dependents
under Sellers heath or welfare plans in the plan or calendar year (as may be applicable) in which the Transfer Date occurs.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Non-Assumed
Employee; Costs of Termination</U>. Seller shall be solely responsible for the management, reassignment, relocation or termination
of any Branch Employees that are not Transferred Employees, and Seller shall pay any and all costs (including, without limitation,
severance pay and accrued vacation pay) associated with termination of any such Branch Employee.</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: justify; text-indent: 0.5in">(g)&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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&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, if any, to the Transferred
Employees for service with Purchaser from and after the applicable Transfer Date.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rollover
of 401(k) Plan Accounts and Loans</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 loans) in cash
or notes (in the case of loans, but only to the extent such loans may be rolled over without compliance issues or Code-required
Purchaser plan changes or amendments) 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.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 actually filled, and not when the condition arose. A disability claim shall be considered incurred when the
date of disability occurs and a workers&rsquo; compensation claim shall be considered incurred on the date of the occurrence as
determined under the applicable state regulations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liabilities
under Benefit Plans</U>. Except as expressly provided in this Section 8.7, (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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 8.7, express or implied,
confers or 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 8.7.</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 (Corporate Organization and Authority),
5.2(i) (No Conflict With Charter or By-Laws), 5.13 (Brokers&rsquo; Fees) and 5.17 (Available Funds) 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); provided, however, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 in a form and substance reasonably
acceptable to Purchaser.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Title
Insurance</U>. Title Insurer shall irrevocably commit to issue the Title Policies to Purchaser in respect of the Owned Real Property
(and any Leased Real Property for which Purchase obtains a leasehold Title Policy), subject only to the Permitted Encumbrances.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Loans
Net Book Value</U>. The Net Book Value of the Loans included in the Assets as of the Closing Date shall not be less than $45,000,000.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Real Property Exclusions</U>. Purchaser shall not have excluded from the Assets or Assumed Liabilities any Branch Lease as provided
in Section 7.4, any parcel of Real Property as provided in Section 7.11(b), or any Owned Real Property as provided in Section 7.12(c).</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. The representations and warranties of Purchaser contained in Sections 6.1 (Corporate Organization and Authority),
6.2(i) (No Conflict With Charter or By-Laws), 6.5 (Brokers&rsquo; Fees) and 6.6 (Financing Available) 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Real Property Exclusions</U>. Purchaser shall not have excluded from the Assets or Assumed Liabilities any Branch Lease as provided
in Section 7.4, any parcel of Real Property as provided in Section 7.11(b), or any Owned Real Property as provided in Section 7.12(c).</P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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; <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
Commercially Reasonable Efforts to cause the Closing to occur;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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; <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 breach
of this Agreement or failure to act in good faith or Seller&rsquo;s or any of its representative&rsquo;s failure to use Commercially
Reasonable Efforts to cause the Closing to occur;</P>

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
either Seller or Purchaser, if Purchaser shall have excluded from the Assets or Assumed Liabilities any Branch Lease as provided
in Section 7.4, any parcel of Real Property as provided in Section 7.11(b), or any Owned Real Property as provided in Section&nbsp;
7.12(c).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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, except as set forth in this Agreement, 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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);</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any breach of any covenant or agreement to be performed by Seller pursuant to this Agreement;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any check or other instrument drawn on or deposited into a Deposit account (i) on or prior to the Closing Date upon which a forgery (signature or endorsement) or alteration claim is asserted against Purchaser or as to which a proper endorsement is lacking, or (ii) prior to or after the Closing Date that involves a check kiting scheme that was initiated on or prior to the Closing Date;</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iv)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any chargeback occurring after the Closing Date on a Deposit account to the extent that such chargeback exceeds the funds in the account on the date of such chargeback but solely to the extent that such chargeback resulted from a violation of Purchaser&rsquo;s expedited funds availability policy in effect on the date such funds were deemed collected on the account (provided that Buyer shall reimburse Purchaser for any sums so indemnified to the extent that Seller recoups any funds so charged back from subsequent deposits into the Deposit account so transferred);</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: left">&nbsp;</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(v)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any Excluded Taxes; or</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(vi)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any Excluded Liability.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Section 12.1, after the Closing, Purchaser shall indemnify, defend, release 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(i)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">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);</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(ii)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">any breach of any covenant or agreement to be performed by Purchaser pursuant to this Agreement; or</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 0.8in">&nbsp;</TD>
    <TD STYLE="width: 0.4in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">(iii)</FONT></TD>
    <TD STYLE="text-align: justify; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">the Assumed Liabilities or any responsibility, obligation, duty, legal action, administrative or judicial proceeding, claim, penalty or liability 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 Liabilities.</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.35in; text-align: justify; text-indent: -0.25in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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 $100,000 (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 $2,500,000. 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(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)(vii) (&ldquo;<U>Purchaser Taxes</U>&rdquo;) and a claim for Taxes that are not Assumed Liabilities
pursuant to Section 2.2(a)(vii) (&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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
indemnified party shall use Commercially Reasonable 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 Commercially Reasonable 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">11.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exclusivity</U>.
After the Closing, except as expressly set forth in Sections 4.3(b), 4.8 and 8.3, 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 agreed 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; 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 eighteenth
(18th) 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-align: justify; text-indent: 0.5in">&nbsp;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 either party or any of their respective Affiliates shall reference the name of the other party or any of their Affiliates
without the prior written consent of the other party (which consent the other party may withhold, condition or delay in its sole
discretion).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
Any notice, request, demand, waiver, consent, approval or other communication which is required or permitted hereunder shall be
in writing and shall be deemed given (a) on the date established by the sender as having been delivered personally, (b) on the
date delivered by a private courier as established by the sender by evidence obtained from the courier, (c) if delivered by email,
on the date indicated by the confirmation of receipt received by the sender, or, if no such confirmation of receipt is received
by the sender, then the date that the recipient actually receives the email (email that is received by a so called &ldquo;spam
filter&rdquo; or similar filter shall not be deemed received unless and until the recipient actually views the email in such filter
or such email is delivered to the intended email address), or (d) on the fifth day after the date mailed, by certified or registered
mail, return receipt requested, postage prepaid. Such communications, to be valid, must be addressed as follows:</P>

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 1.5in; text-align: left">If to Seller:</TD><TD STYLE="text-align: justify">First Community Bank</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">29 College Drive</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">PO Box 989</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">Bluefield, VA 24605</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">Attention: Gary R. Mills,
CEO</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 96px">&nbsp;</TD>
    <TD STYLE="width: 96px">&nbsp;</TD>
    <TD STYLE="padding-right: 1in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Email: Grmills@fcbinc.com</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in; text-indent: -1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 1.5in; text-align: left">With a copy to:</TD><TD STYLE="text-align: justify">Smith Moore Leatherwood LLP</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 41.75pt 0pt 2in; text-indent: -1.5in"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 144px">&nbsp;</TD>
    <TD STYLE="padding-right: 41.75pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">2 West Washington Street, Suite 1100</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 144px">&nbsp;</TD>
    <TD STYLE="padding-right: 41.75pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Greenville, SC 29601</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 144px">&nbsp;</TD>
    <TD STYLE="padding-right: 41.75pt; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Attention: William L. Pitman</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 144px">&nbsp;</TD>
    <TD STYLE="padding-right: 1in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Email: bill.pitman@smithmoorelaw.com</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in; text-indent: -1.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 1.5in; text-align: left">If to Purchaser:</TD><TD STYLE="text-align: justify">CresCom Bank</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">884 Orleans Road</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">Charleston, SC 29407</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">Attention: David L. Morrow, CEO</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0.5in"></TD><TD STYLE="width: 1.5in; text-align: left">With a copy to:</TD><TD STYLE="text-align: justify">Nelson Mullins Riley &amp; Scarborough LLP</TD>
</TR></TABLE>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 144px">&nbsp;</TD>
    <TD STYLE="padding-right: 1in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">104 South Main Street</FONT><BR>
<FONT STYLE="font: 10pt Times New Roman, Times, Serif">Greenville, SC 29601</FONT><BR>
<FONT STYLE="font: 10pt Times New Roman, Times, Serif">Attention: Neil Grayson</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 48px">&nbsp;</TD>
    <TD STYLE="width: 144px">&nbsp;</TD>
    <TD STYLE="padding-right: 1in; font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Email: neil.grayson@nelsonmullins.com</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 1in 0pt 2in; text-indent: -1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">or to such other address or to the attention
of such Person or Persons as the recipient party has specified by prior written notice to the sending party (or in the case of
counsel, to such other readily ascertainable business address as such counsel may hereafter maintain). If more than one method
for sending notice as set forth above is used, the earliest notice date established as set forth above shall control.</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; 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-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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 Commonwealth
of Virginia applicable to agreements made and entirely to be performed in such state and without regard to its principles of conflict
of laws except with respect to matters affecting Real Property, which shall be governed by and interpreted in accordance with the
laws of the State in which such Real Property is located. 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 Western District of Virginia.</P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver
of Jury Trial</U>. <FONT STYLE="text-transform: uppercase">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.</FONT></P>

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">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. A facsimile copy or electronic transmission of a signature page shall be deemed to
be an original signature page.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Parties
in Interest</U>. Nothing in this Agreement, express or implied, is intended or shall be construed to confer upon or give to any
person (other than the parties hereto and their respective successors and permitted assigns) any rights or remedies under or by
reason of this Agreement, or any term, provision, condition, undertaking, warranty, representation, indemnity, covenant or agreement
contained herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0.5in">12.16&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-top: 0pt; margin-bottom: 0pt; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 31.5pt"><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: 31.5pt">&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="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">FIRST COMMUNITY BANK</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; width: 50%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 3%">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 47%">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT>&nbsp;</TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">/s/ Gary R. Mills</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Name: Gary R. Mills</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Title: Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">CRESCOM BANK</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">/s/ David L. Morrow</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Name: David L. Morrow</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font: 10pt Times New Roman, Times, Serif">Title: President and Chief Executive Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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