<SEC-DOCUMENT>0000950170-22-005271.txt : 20220401
<SEC-HEADER>0000950170-22-005271.hdr.sgml : 20220401
<ACCEPTANCE-DATETIME>20220401110905
ACCESSION NUMBER:		0000950170-22-005271
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20220401
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20220401
DATE AS OF CHANGE:		20220401

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GUARANTY BANCSHARES INC /TX/
		CENTRAL INDEX KEY:			0001058867
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				751656431
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-38087
		FILM NUMBER:		22796517

	BUSINESS ADDRESS:	
		STREET 1:		201 SOUTH JEFFERSON AVENUE
		CITY:			MOUNT PLEASANT
		STATE:			TX
		ZIP:			75455
		BUSINESS PHONE:		9035729881

	MAIL ADDRESS:	
		STREET 1:		201 SOUTH JEFFERSON AVENUE
		CITY:			MOUNT PLEASANT
		STATE:			TX
		ZIP:			75455
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>gnty-20220401.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<?xml version="1.0" encoding="ASCII"?><!-- DFIN New ActiveDisclosure (SM) Inline XBRL Document - http://www.dfinsolutions.com/ --><!-- Creation Date :2022-04-01T10:47:13.9775+00:00 --><!-- Copyright (c) 2022 Donnelly Financial Solutions, Inc. All Rights Reserved. -->
<html xmlns="http://www.w3.org/1999/xhtml" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:nonNumeric="http://www.xbrl.org/dtr/type/non-numeric" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2015-02-26" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:dei="http://xbrl.sec.gov/dei/2021q4" xmlns:gnty="http://www.gnty.com/20220401" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:utr="http://www.xbrl.org/2009/utr">
 <head>
  <title>8-K</title>
  <meta http-equiv="Content-Type" content="text/html" />
 </head>
 <body>
  <div style="display:none;"><ix:header><ix:hidden><ix:nonNumeric id="F_cb2b2b65-f9c3-4cd7-832c-05c20bc8f9e8" name="dei:AmendmentFlag" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6">false</ix:nonNumeric><ix:nonNumeric id="F_32c190f9-46fc-4612-af47-dfce4897e59c" name="dei:EntityCentralIndexKey" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6">0001058867</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:type="simple" xlink:href="gnty-20220401.xsd"></link:schemaRef></ix:references><ix:resources><xbrli:context id="C_9a477792-5946-49a6-af1b-728c505c80d6"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0001058867</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-04-01</xbrli:startDate><xbrli:endDate>2022-04-01</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:16.0pt;font-family:Arial;">UNITED STATES</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:16.0pt;font-family:Arial;">SECURITIES AND EXCHANGE COMMISSION</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Washington, D.C. 20549</span></p>
  <p style="margin-left:35.187%;text-indent:0.0%;padding-bottom:1.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;border-bottom:1.500pt solid;margin-right:35.185%;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:16.0pt;font-family:Arial;">FORM </span><span style="font-size:16.0pt;font-family:Arial;"><ix:nonNumeric id="F_e7556b09-51c8-4ae5-b1bb-efff43201bbf" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:DocumentType"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:16.0pt;font-family:Arial;">8-K</span></ix:nonNumeric></span></p>
  <p style="border-top:1.500pt solid;margin-left:35.187%;padding-top:1.0pt;text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;margin-right:35.185%;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">CURRENT REPORT</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">PURSUANT TO SECTION 13 or 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Date of Report:</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Date of earliest event reported)</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_7f3f0df6-6647-48ec-858a-e0d89c14e787" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:DocumentPeriodEndDate" format="ixt:datemonthdayyearen"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">April 1, 2022</span></ix:nonNumeric></span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="margin-left:35.187%;text-indent:0.0%;padding-bottom:1.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;border-bottom:1.500pt solid;margin-right:35.185%;text-align:center;"><span style="white-space:pre-wrap;font-size:6.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:16.0pt;font-family:Arial;"><ix:nonNumeric id="F_588a7c91-367b-458a-baf5-bdbb55bfbd4a" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityRegistrantName"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:16.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</span></ix:nonNumeric></span></p>
  <p style="margin-left:0.56%;text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Exact name of registrant as specified in its charter)</span></p>
  <p style="border-top:1.500pt solid;margin-left:35.187%;padding-top:1.0pt;text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;margin-right:35.185%;text-align:center;"><span style="white-space:pre-wrap;font-size:6.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <table style="margin-left:auto;border-spacing:0;table-layout:fixed;width:100.0%;border-collapse:separate;margin-right:auto;">
   <tr style="visibility:collapse;">
    <td style="width:33.98%;"></td>
    <td style="width:33.015%;"></td>
    <td style="width:33.006%;"></td>
   </tr>
   <tr style="height:3.6pt;">
    <td colspan="3" style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;"><p style="text-indent:0.0pt;font-size:8.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:8.0pt;font-family:Times New Roman;">&#160;</span></p></td>
   </tr>
   <tr style="height:12.95pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_0597a94e-f8ee-4f43-8089-c2d749a88cc1" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityIncorporationStateCountryCode" format="ixt-sec:stateprovnameen"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Texas</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_3e0f0f9f-c975-4276-9679-eb04ae8793b4" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityFileNumber"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">001-38087</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_8ccb376d-233a-4f6b-99f4-6005661c7be9" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityTaxIdentificationNumber"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">75-1656431</span></ix:nonNumeric></span></p></td>
   </tr>
   <tr style="height:18.7pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:top;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:8.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(State or Other Jurisdiction of Incorporation)</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:top;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:8.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Commission File Number)</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:top;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:8.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(IRS Employer Identification No.)</span></p></td>
   </tr>
   <tr style="height:24.5pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_a01262af-0dca-4ece-b64d-c67b4f79d17b" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityAddressAddressLine1"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">16475 Dallas Parkway</span></ix:nonNumeric></span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">, </span><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_59052520-64e9-43c7-aa3b-c78642c7892e" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityAddressAddressLine2"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Suite 600</span></ix:nonNumeric></span></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_fa20aa7f-09e2-4ca7-9c4a-93939cffc141" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityAddressCityOrTown"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Addison</span></ix:nonNumeric></span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">, </span><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_6ef22af9-071b-40d6-b509-25c6ce86ecc4" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityAddressStateOrProvince" format="ixt-sec:stateprovnameen"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Texas</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_a0daee60-fef8-4967-94d2-fa69a88cec6c" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityAddressPostalZipCode"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">75001</span></ix:nonNumeric></span></p></td>
   </tr>
   <tr style="height:13.7pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:top;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:8.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Address of Principal Executive Offices)</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:top;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:top;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:8.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Zip Code)</span></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">(</span><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_7ba271f2-2ec0-498d-b19d-a61571f32c01" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:CityAreaCode"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">888</span></ix:nonNumeric></span><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">) </span><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_a95b9b14-31da-4f65-8a78-a0341b0c8dc2" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:LocalPhoneNumber"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">572-9881</span></ix:nonNumeric></span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Registrant&#x2019;s Telephone Number, Including Area Code)</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Not Applicable</span></p>
  <p style="margin-left:0.56%;text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:8.0pt;font-family:Arial;">(Former Name or Former Address, if Changed Since Last Report)</span></p>
  <p style="margin-left:35.187%;text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;margin-right:35.185%;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:2.0pt;font-family:Arial;">&#160;</span></p>
  <table style="margin-left:auto;border-spacing:0;table-layout:fixed;width:100.0%;border-collapse:separate;margin-right:auto;">
   <tr style="visibility:collapse;">
    <td style="width:3.602%;"></td>
    <td style="width:96.398%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="font-size:10.0pt;font-family:Times New Roman;"><ix:nonNumeric id="F_733db6d1-b094-4c9e-84b0-b72ac68d8529" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:WrittenCommunications" format="ixt-sec:boolballotbox"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;">&#9744;</span></ix:nonNumeric></span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> </span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="font-size:10.0pt;font-family:Times New Roman;"><ix:nonNumeric id="F_ce92fb3f-7747-442f-99bb-7126265761c6" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:SolicitingMaterial" format="ixt-sec:boolballotbox"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;">&#9744;</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="font-size:10.0pt;font-family:Times New Roman;"><ix:nonNumeric id="F_cc2c0156-0b0f-48ce-9eb7-50cb93ba049e" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:PreCommencementTenderOffer" format="ixt-sec:boolballotbox"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;">&#9744;</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="font-size:10.0pt;font-family:Times New Roman;"><ix:nonNumeric id="F_22eff3ad-d340-4e4a-a691-ce05392154ac" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:PreCommencementIssuerTenderOffer" format="ixt-sec:boolballotbox"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;">&#9744;</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Securities registered pursuant to Section 12(b) of the Act:</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <table style="margin-left:0.07500000000000001in;border-spacing:0;table-layout:fixed;width:95.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:36.979%;"></td>
    <td style="width:2.135%;"></td>
    <td style="width:15.4%;"></td>
    <td style="width:2.135%;"></td>
    <td style="width:43.353%;"></td>
   </tr>
   <tr style="height:12.95pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;border-bottom:0.500pt solid;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Title of each class</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;border-bottom:0.500pt solid rgba(255,255,255,0.01);padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;border-bottom:0.500pt solid;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Trading symbol</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;border-bottom:0.500pt solid rgba(255,255,255,0.01);padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;border-bottom:0.500pt solid;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Name of each exchange on which registered</span></p></td>
   </tr>
   <tr style="height:12.95pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_c6de7877-4478-4226-9d94-b7829c8795fd" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:Security12bTitle"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Common Stock, par value $1.00 per share </span></ix:nonNumeric></span><span style="font-size:10.0pt;font-family:Arial;"></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_523ef9bd-ad0f-4baa-8d4e-5f3494cbe3a8" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:TradingSymbol"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">GNTY</span></ix:nonNumeric></span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="font-size:10.0pt;font-family:Arial;"><ix:nonNumeric id="F_743b7d53-2667-493d-8373-f9b1ed002bd0" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:SecurityExchangeName" format="ixt-sec:exchnameen"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">NASDAQ Global Select Market</span></ix:nonNumeric></span><span style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> </span></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Emerging growth company </span><span style="font-size:9.0pt;font-family:Arial;"><ix:nonNumeric id="F_0c86c24a-6cbb-4c1b-8aa6-a1581e71cdaf" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityEmergingGrowthCompany" format="ixt-sec:boolballotbox"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:9.0pt;font-family:Arial;">&#9746;</span></ix:nonNumeric></span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </span><span style="font-size:9.0pt;font-family:Arial;"><ix:nonNumeric id="F_1b78ba75-ba5b-4e72-8dc7-8246ca0fae2c" contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6" name="dei:EntityExTransitionPeriod" format="ixt-sec:boolballotbox"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:9.0pt;font-family:Arial;">&#9746;</span></ix:nonNumeric></span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <hr style="page-break-after:always;" />
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Item 2.03. Creation of a Direct Financial Obligation.</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:12.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">On March 31, 2022, Guaranty Bancshares, Inc., (&#x201c;Guaranty&#x201d;) and Frost Bank extended Guaranty&#x2019;s right to request and receive monies from Frost Bank on Guaranty&#x2019;s existing line of credit until March 31, 2023. On that date, Guaranty executed and delivered to Frost Bank of a Renewal Revolving Promissory Note in the principal amount of $25,000,000 (the &#x201c;Renewal Note&#x201d;), and Guaranty and Frost Bank entered into a Fifth Amendment to Loan Agreement, which amended the Loan Agreement between Guaranty and Frost Bank previously entered into on March 31, 2017, as previously amended on March 31, 2021 (as amended, the &#x201c;Loan Agreement&#x201d;).</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:12.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">As of the date of the renewal, Guaranty had not drawn on its line of credit. The Renewal Note bears interest at the prime rate published in the Wall Street Journal; provided, however, in no event shall the Prime Rate be less than 3.50%, floating daily, and such interest is due and payable quarterly beginning on July 15, 2022. Any remaining principal and accrued interest shall be paid on March 31, 2023. The Renewal Note is not secured and, under the terms of the Loan Agreement, Guaranty has agreed not to pledge or grant a lien or security interest in the stock of Guaranty Bank &amp; Trust, N.A., or in any of its other assets without the prior consent of Frost Bank. The Loan Agreement, as amended, and Renewal Note are filed as Exhibits 10.1 and 10.2 to this Current Report on Form 8-K and are incorporated herein by reference.</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Item 9.01. Financial Statements and Exhibits</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">(d)    Exhibits.</span></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:12.0pt;line-height:1.15;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The following is furnished as an exhibit to this Current Report on Form 8-K:</span></p>
  <table style="margin-left:auto;border-spacing:0;table-layout:fixed;width:100.0%;border-collapse:separate;margin-right:auto;">
   <tr style="visibility:collapse;">
    <td style="width:12.296%;"></td>
    <td style="width:1.861%;"></td>
    <td style="width:85.843%;"></td>
   </tr>
   <tr style="height:15.1pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
   </tr>
   <tr style="height:32.4pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;border-bottom:0.500pt solid;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Exhibit</span></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Number</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;border-bottom:0.500pt solid rgba(255,255,255,0.01);text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:bottom;border-bottom:0.500pt solid;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Description of Exhibit</span></p></td>
   </tr>
   <tr style="height:23.75pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:middle;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">10.1</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:middle;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:middle;padding-right:0.028in;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><a href="gnty-ex10_1.htm"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,255,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Loan Agreement between Guaranty Bancshares, Inc. and Frost Bank, dated March 31, 2017, as amended</span></a></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:middle;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">10.2</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:middle;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:middle;padding-right:0.028in;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><a href="gnty-ex10_2.htm"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,255,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Renewal Revolving Promissory Note between Guaranty Bancshares, Inc. and Frost Bank, dated March 31, 2022</span></a></p></td>
   </tr>
   <tr style="height:23.75pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:middle;padding-right:0.042in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">104</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:middle;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.042in;vertical-align:middle;padding-right:0.028in;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:2.0pt;line-height:1.05;font-family:Arial;margin-bottom:2.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Cover Page Interactive File (formatted as Inline XBRL)</span></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <hr style="page-break-after:always;" />
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">SIGNATURES</span></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:12.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Dated: April 1, 2022</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <table style="border-spacing:0;table-layout:fixed;width:50.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:12.741%;"></td>
    <td style="width:9.481%;"></td>
    <td style="width:77.778%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</span></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;border-bottom:0.500pt solid;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Tyson T. Abston</span></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Name:</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Tyson T. Abston</span></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Title:</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;vertical-align:top;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.26;font-family:Arial;margin-bottom:0.0pt;text-align:left;"><span style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Chairman of the Board and Chief Executive Officer</span></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:justify;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</span></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.38;font-family:Arial;margin-bottom:0.0pt;text-align:center;"><span style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</span></p>
  <hr style="page-break-after:always;" />
 </body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>gnty-ex10_1.htm
<DESCRIPTION>EX-10.1
<TEXT>
<html>
 <head>
  <title>EX-10.1</title>
 </head>
 <body>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">EXHIBIT 10.1</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;" id="loan_agreement"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">LO</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">AN AGREEMENT</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Between</font></p>
  <table style="margin-left:auto;border-spacing:0;table-layout:fixed;width:100.0%;border-collapse:separate;margin-right:auto;">
   <tr style="visibility:collapse;">
    <td style="width:33.321%;"></td>
    <td style="width:33.34%;"></td>
    <td style="width:33.34%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">100 W. Arkansas</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:left;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">and</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">P.O. Box 1600</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Mount Pleasant, Texas 75456</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:middle;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">San Antonio, Texas 78296</font></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">As of March 31, 2017</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">THIS LOAN AGREEMENT</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (the &#x201c;Agreement&#x201d;) will serve to set forth the terms of the financing transaction by and between </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas corporation (&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d;), and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas state bank (&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d;):</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">WHEREAS</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is desirous of obtaining a loan from </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the aggregate principal amount of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">TWENTY-FIVE MILLION AND NO/100 DOLLARS ($25,000,000.00)</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> which shall be for general corporate purposes, including acquisition financing and capital augmentation; and</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">WHEREAS</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is desirous of making such loan to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the principal amount of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">TWENTY-FIVE MILLION AND NO/100 DOLLARS ($25,000,000.00)</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> for the purposes set forth above, but on the terms, conditions and covenants hereafter contained.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">NOW, THEREFORE</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, subject to all terms, conditions and covenants hereinafter set forth and in consideration of the premises and the mutual covenants contained herein, the parties hereto agree as follows:</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE I</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Definitions</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">1.01	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Definitions</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The terms defined in this Article I (except as otherwise expressly provided in this Agreement) for all purposes shall have the following meanings:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Advance</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the amounts requested by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> from time to time as set forth in Section 2.01 of this Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Bank</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean Guaranty Bank &amp; Trust, N.A.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Business Day</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean a day on which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is open for transaction of its general banking business.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Cash Flow Coverage</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the ratio of (i) the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s consolidated Net Income after dividends plus </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s unconsolidated interest expense for the preceding four fiscal quarters, to (ii) the scheduled principal and interest payments on the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s unconsolidated debt (including Trust Preferred) for the preceding four fiscal quarters, all as determined in accordance with GAAP.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Closing Date</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the date this Agreement is executed by all parties hereto which shall be the day and year first written above unless otherwise indicated. The closing shall take place at such place as the parties shall mutually agree.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Collateral</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall have the meaning ascribed to it in Section 2.03.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Equity Capital</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the sum of (i) preferred stock, (ii) common stock (iii) capital surplus, (iv) retained earnings, (v) accumulated other comprehensive income, all as determined by regulatory accounting principles consistently applied.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Event of Default</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; means any event specified in Section 6.01 of this Agreement, provided that any requirement in connection with such event for the giving of notice or lapse of time or any other condition has been satisfied.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">GAAP</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; means generally accepted accounting principles, applied on a consistent basis, as set forth in Opinions of the Accounting Principles Board of the American Institute of Certified Public Accountants and/or in statements of the Financial Accounting Standards Board and/or their respective successors and which are applicable in the circumstances</font><font style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> </font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">as of the date in question. Accounting principles are applied on a &#x201c;consistent basis&#x201d; when the accounting principles observed in a current period are comparable in all material respects to those accounting principles applied in a preceding period.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Highest Lawful Rate</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the maximum rate of nonusurious interest allowed from time to time by Law. In no event shall Chapter 346 of the Texas Finance Code (which regulates certain revolving loan accounts and revolving tri-party accounts) apply to this Loan. To the extent that Chapter 303 of the Texas Finance Code is applicable to this Loan, the &#x201c;weekly ceiling&#x201d; specified in such article is the applicable ceiling; provided that, if any applicable law permits greater interest, the law permitting the greatest interest shall apply.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Laws</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean all statutes, laws, ordinances, regulations, orders, writs, injunctions, or decrees of the United States, any state or commonwealth, any municipality, or any Tribunal.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Loan</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the extension of credit to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> pursuant to Section 2.01 of this Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Loan Documents</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean this Agreement, the Note, the Security Instruments, and all instruments or documents executed and delivered pursuant to or in connection with this Agreement and any future amendments hereto or thereto, and all renewals and extensions thereof.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Net Income</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean that amount of income remaining after deducting expenses (including provision for loan and lease losses) and payments of all taxes incurred as reflected on the Bank&#x2019;s financial reports, all as calculated in accordance with GAAP.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Non-Performing Assets</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; means loans on nonaccrual, loans on which the interest rate has been reduced, other than to reflect the then prevailing market interest rates or reduced pursuant to their express terms, loans which have been past due for ninety (90) days or more (specifically excluding all performing bankruptcy mortgages) and one hundred percent (100%) of Other Real Estate.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Non-Performing Assets Ratio</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the ratio of Non-Performing Assets to Equity Capital plus reserves for loan losses.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Note</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the promissory note evidencing the Loan executed pursuant to Section 2.02 of this Agreement and any promissory note issued in substitution therefore or in renewal or extension or rearrangement thereof.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Obligations</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the outstanding principal amounts of the Note and interest accrued thereon, and any and all other indebtedness, liabilities and obligations whatsoever of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under the Note and/or the Security Instruments and all renewals, modifications and extensions thereof, plus interest accruing on any foregoing and all attorney fees and costs incurred in the enforcement of any foregoing.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Other Real Estate</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the real property owned by Bank as a result of foreclosure, deeds in lieu of foreclosure, or judicial process, or received as partial payment of a note, specifically excluding real estate occupied by Bank in the conduct of its ordinary course of business.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Person</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean any individual, firm, corporation, association, partnership, joint venture, trust or other entity.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Security Instruments</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean any documents securing the Obligations. On the Closing Date the Loan is unsecured.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Subordinated Debentures&#x201d;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall mean (a) those certain ten (10) unsecured redeemable non-convertible debentures in the face amount of $500,000 each, in the aggregate amount of $5,000,000; two debentures with a 24 month term (October 1, 2012) at 3%, two debentures with 30 month term (April 1, 2013) at 3.5%, two debentures with a 36 month term (October 1, 2013) at 4%, two debentures with a 42 month term (April 1, 2014) at 4.5% and two debentures with a 48 month term (October 1, 2014) at 5%; each issued by the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> pursuant to Confidential Private Offering Letter and Subscription Agreement dated on or about October 1, 2010; and (b) those certain eight (8) unsecured redeemable non-convertible debentures in the face amount of $500,000 each, in the aggregate amount of $4,000,000; two debentures with a 24 month term (April 1, 2015) at 2%, two debentures with 30 month term (October 1, 2015) at 2.5%, two debentures with a 36 month term (April 1, 2016) at 3%, and two debentures with a 42 month term (October 1, 2016) at 3.5%; each issued by the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> pursuant to Confidential Private Offering Letter and Subscription Agreement dated on or about April 1, 2013.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Subsidiary</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; means any corporation or bank of which more than fifty (50%) of the issued and outstanding securities having ordinary voting power for the election of a majority of directors is owned or controlled, directly or indirectly, by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> with one or more Subsidiaries; or by just one or more Subsidiaries.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Tangible Net Worth</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; means, at any particular time, all amounts which, in conformity with GAAP, would be included as stockholders&#x2019; equity on a balance sheet; provided, however, there is excluded therefrom; (i) any amount at which shares of capital stock of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (treasury shares) appears as an asset on the balance sheet, (ii) goodwill, including any amounts, however designated, that represent the excess of the purchase price paid for assets or stock over the value assigned thereto, (iii) patents, trademarks, trade names, and copyrights, and (iv) all other assets which are properly classified as intangible assets.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Taxes</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean all taxes, assessments, fees, or other charges from time to time or at any time imposed by any Laws or by any Tribunal.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Total Risk Based Capital Ratio</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean the ratio of the Bank&#x2019;s Total Risk Based Capital to its Risk Based Assets (as reported in its call report under schedule RC-R, line item 33, section RCON7205).</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Tribunal</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d; shall mean any state, commonwealth, federal, foreign, territorial, regulatory, or other court or governmental department, commission, board, bureau, agency or instrumentality.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">1.02	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Other Definitional Provisions</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All definitions contained in this Agreement are equally applicable to the singular and plural forms of the terms defined. The words &#x201c;hereof,&#x201d; &#x201c;herein,&#x201d; and &#x201c;hereunder&#x201d; and words of similar import referring to this Agreement refer to this Agreement as a whole and not to any particular provision of this Agreement. Unless otherwise specified, all Article and Section references pertain to this Agreement. All accounting terms not specifically defined herein shall be construed in accordance with GAAP.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE II</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Loan, Security and Conditions Precedent</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">2.01	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">The Loan</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Subject to the terms and conditions of this Agreement, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agrees to make a revolving line of credit available to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the principal amount of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">TWENTY FIVE MILLION AND NO/100 DOLLARS ($25,000,000.00)</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> which shall be for general corporate purposes, including acquisition financing and capital augmentation. The Loan is a revolving line of credit, and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have the right to borrow, repay, and re-borrow against the Note, provided, however that in no event shall the total amount outstanding against the Note exceed the stated principal amount of $25,000,000.00.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">2.02	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">The Note</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The obligation of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to pay the Loan shall be evidenced by a promissory note (the &#x201c;Note&#x201d;) executed by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and payable to the order of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, in the principal amount of $25,000,000.00 bearing interest at the variable rate set forth in the Note. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall pay principal and interest in accordance with the terms of the Note, with the maturity date being as set forth in the Note.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">2.03	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Security for the Loan</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Any and all property which may hereafter be delivered to secure the Obligations shall be referred to herein as &#x201c;Collateral&#x201d;. As of the Closing Date the Loan is unsecured and there is no Collateral.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">2.04	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Conditions Precedent to Closing</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The obligation of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to make the Loan shall be subject to the conditions precedent that </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have received on or before the day of the making of the Loan, the following documents, in form and substance satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">:</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(a)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Note</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The Note executed by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(b)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Resolutions</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Corporate resolutions of the Board of Directors of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> certified by the Secretary of such corporation, which resolutions authorize the execution, delivery and performance by the corporation of this Agreement and the other Loan Documents. Included in said resolutions or by separate document, the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall receive a certificate of incumbency certified by the Secretary of corporation certifying the names of each officer authorized to execute this Agreement and the other Loan Documents, together with specimen signatures of such officers.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(c)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Articles of Incorporation</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> Copies of the Articles of Incorporation of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and the Articles of Association of Bank certified to be true and correct by the Secretary of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and cashier of Bank, respectively.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(d)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Bylaws</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The Bylaws of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and Bank certified to be true and correct by the Secretary of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and cashier of Bank, respectively.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(e)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Government Certificates</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Certificates of Good Standing and Existence issued by the appropriate government entities for the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and the Bank; and a copy of the Letter of Approval from the Board of Governors of the Federal Reserve Bank approving </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s application as a bank holding company (or such other documentation acceptable to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to evidence the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s status as a bank holding company).</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(f)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Financial Statements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its Subsidiaries shall have each delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> such financial statements as shall have been requested by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, in form and substance satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in its sole discretion.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(g)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Fees</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall pay a $25,000.00 loan origination fee to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> plus all fees incurred by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in connection with the Loan, including without limitation, the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s attorney&#x2019;s fees.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">(h)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Additional Papers</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> such other documents, records, instruments, papers, opinions, and reports, as shall have been requested by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, to evidence the status or organization or authority of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or to evidence or secure payment of the Obligations, all in form satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its counsel.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE III</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">To induce </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to enter into this Agreement and upon which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has relied in entering into this Agreement and consummating the transactions herein described, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> represents and warrants to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> that:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.01	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Organization of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is a corporation duly organized, validly existing, and in good standing under the laws of the State of Texas; </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is duly authorized, qualified under all applicable Laws to conduct its businesses; and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has full power, capacity, authority and legal right to conduct the businesses in which it does now, and propose to, engage; and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has full power, capacity, authority and legal right to execute and deliver and to perform and observe the provisions of this Agreement, and the other Loan Documents, to which it is a party, all of which have been duly authorized and approved by all necessary corporate action. The Bank is a state bank; the Bank is duly authorized and qualified under all applicable Laws to conduct its businesses; and the Bank has full power, capacity, authority and legal right to conduct the businesses in which it does now, and proposes to, engage; and the Bank has full power, capacity, authority and legal right to execute and deliver and to perform and observe the provisions of this Agreement and the other Loan Documents to which it is a party, all of which have been duly authorized and approved by all necessary corporate action.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.02	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Litigation</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. No action, suit or proceeding against or affecting </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary is known to be pending, or to the knowledge of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> threatened, in any court or before any governmental agency or department, which, if adversely determined, could result in a final judgment or liability of a material amount not fully covered by insurance, or which may result in any material adverse change in the business, or in the condition, financial or otherwise, of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. There are no outstanding judgments against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.03	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Compliance With Other Instruments</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. To the knowledge of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, (i) there is no default in the performance of any material obligation, covenant, or condition contained in any agreement to which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is a party which has not been waived, (ii) neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any Subsidiary is in material default with respect to any Law of any Tribunal, and (iii) the execution, delivery and performance of the terms of this Agreement, the Note and the other Loan Documents by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> will not violate the provisions of any Law applicable to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s By-laws or Articles of Incorporation, or any order or regulation of any governmental authority to which the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is subject will not conflict with or result in a material breach of any of the terms of any agreement or instrument to which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is a party or by which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is bound, or constitute a default thereunder, or result in the creation of a lien, charge, or encumbrance of any nature upon any of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s properties or assets.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.04	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">No Default.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> No Event of Default specified in Article VI has occurred and is continuing.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.05	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Corporate Authorization</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s Board of Directors has duly authorized the execution and delivery of this Agreement and the other Loan Documents to which it is a party and the performance of their respective terms and no consent of the stockholders of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any other Person is a prerequisite thereto or if a prerequisite thereto, the same has been duly obtained. This Agreement and all other Loan Documents are valid, binding, and enforceable obligations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in accordance with their respective terms.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.06	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Disclosure</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Neither this Agreement nor any other document, certificate, Loan Document or statement furnished to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> by or on behalf of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in connection herewith is known to contain any untrue statement of a material fact or, to the knowledge of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, omits to state a material fact necessary in order to make the statements contained herein and therein not misleading.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.07	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Federal Reserve Board Regulations</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> is not engaged principally, or as one of its important activities, in the business of extending credit for the purpose of purchasing or carrying margin stock (within the meaning of Regulation G, T, U, or X of the Board of Governors of the Federal Reserve System) and no part of the proceeds of the Loan will be used to purchase or carry any margin stock or to extend credit to others for the purpose of purchasing or carrying any margin stock except as otherwise disclosed in writing to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any agent acting on its behalf has taken or will take any action which might cause </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s execution of this Agreement to violate any regulation of the Board of Governors of the Federal Reserve System or to violate the Securities Act of 1933 or the Securities Exchange Act of 1934, as amended.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.08	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Stock and Stock Agreements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any Subsidiary has any class of stock authorized other than common stock. Further, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has furnished to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> copies of all buy-sell agreements, stock redemption agreements, voting trust agreements and all other agreements and contracts involving the stock of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and/or each of its Subsidiaries to which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary is a party and there are not now any agreements or terms of any agreements to which </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary is a party which alter, impair, affect or abrogate the rights of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or the Obligations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under this Agreement or any other Loan Document.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.09	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Financial Statements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The consolidated financial statements of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, dated as of December 31, 2015, and furnished to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, were prepared in accordance with regulatory accounting principles or GAAP, as indicated upon such statements, and such statements fairly present, as appropriate, the consolidated financial conditions and the results of operations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> as of, and for the portion of the fiscal year ending on, the date or dates thereof. There were no material adverse events or liabilities, direct or indirect, fixed or contingent, of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> as of the date or dates of such financial statements and known to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, which are not reflected therein or in the Note thereto. Except for transactions directly related to, or specifically contemplated by, the Loan Documents and transactions heretofore disclosed in writing to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, there have been no material adverse changes in the respective financial conditions of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and/or its Subsidiaries from those shown in such financial statements between such date or dates and the date hereof.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.10	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Taxes</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All federal, state, foreign, and other Tax returns of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary required to be filed have been filed, and all federal, state, foreign, and Taxes are shown thereon as owing have been paid. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> does not know of any pending audit or investigation of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and/or any Subsidiary with any taxing authority.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.11	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Title to Assets</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> owns all of its assets, including the stock of each Subsidiary, free of any lien or claim or any right or option on the part of any third person to purchase or otherwise acquire such assets or any part thereof. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not grant any lien or claim on its assets to a third party without the prior written consent of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">3.12	</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Use of Loan Proceeds</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All loan proceeds or funds furnished by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> pursuant to this Agreement shall be used for general corporate purposes.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE IV</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Affirmative Covenants</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">While any part of the Obligations remains unpaid and unless otherwise waived in writing by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">:</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.01</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Accounts, Reports and Other Information</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall maintain, and cause each Subsidiary to maintain, a standard system of accounting in accordance with regulatory accounting principles or GAAP, as applicable, and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall furnish to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> the following:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Quarterly Information</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. As soon as available, but no more than forty-five (45) days after the end of each of the first three quarters of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s fiscal year, (i) a copy of the Federal Reserve Board Form Y-9LP and Form Y-9C for </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; (ii) an officer&#x2019;s certificate setting forth the information required to establish whether </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its Subsidiaries were in compliance with the financial covenants and ratios set forth in Articles IV and V hereof during the period covered and that signer or signers have reviewed the relevant terms in this Agreement and have made, or caused to be made under their supervision, a review of the transactions of Bank from the beginning of the accounting period covered by the financial statements being delivered therewith to the date of the officer&#x2019;s certificate and that such review has not disclosed any Event of Default, or material violation or </font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="margin-left:6.667%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">breach in the due observance of any covenant, agreement or provision of this Agreement;(iii) such other information as </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall reasonably request.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Annual Information</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. As soon as available, but no more than one hundred twenty (120) days after the end of each fiscal year of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; (i) an unqualified opinion by an independent certified public accountant selected by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, which opinion shall state that said consolidated financial statements have been prepared in accordance with GAAP and that such accountant&#x2019;s audit of such financial statements has been made in accordance with generally accepted auditing standards and that said financial statements present fairly the consolidated financial condition of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, and Bank and the results of their operations; (ii) a copy of the Federal Reserve Board Form Y-6 Annual Report of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, as filed with the Board of Governors of the Federal Reserve System; and (iii) such other information as </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> may reasonably request.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Other Reports and Information</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. As soon as available, copies of all other financial and other statements, reports, correspondence, notices and information of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, each Subsidiary as may be requested, in form and substance reasonably satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall add </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to its shareholder mailing list which will allow it to receive copies of correspondence with its shareholders.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.02</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Existence</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its Subsidiaries shall maintain their respective existence as a corporation and all of its privileges, franchises, agreements, qualifications and rights that are necessary or desirable in the ordinary course of business; and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall cause each of its Subsidiaries to maintain and preserve their respective good standing with all Tribunals.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.03</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Observance of Terms</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall (i) pay the principal and interest on the Note in accordance with its terms; and (ii) observe, perform, and comply with every covenant, term and condition herein expressed or implied on the part of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to be observed, performed or complied with.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.04</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Compliance With Applicable Laws</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall in all material respects comply with the requirements of all applicable Laws of any Tribunal.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.05</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Inspection</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Upon prior reasonable notice and at the convenience of the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall permit an officer in the Correspondent Banking Department of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to visit, review and/or inspect any of its properties and assets at any reasonable time and to examine all books of account, records, reports, examinations and other papers (subject to applicable confidentiality requirements), to make copies therefrom at the expense of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, and to discuss the affairs, finances and accounts of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary with their respective employees and officers at all such reasonable times and as often as may be reasonably requested.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.06</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Change</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall promptly notify </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> of (i) all litigation affecting </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary which is not (in the reasonable judgment of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">) adequately covered by insurance and which could have a material adverse effect on the financial condition or operations of the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; (ii) any other matter which could have a material adverse effect on the financial condition or operations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.07</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Payment of Taxes</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its Subsidiaries shall pay all lawful Taxes imposed upon them or upon their income or profits or upon any of their property before the same shall be delinquent; provided, however, that neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any Subsidiary shall be required to pay and discharge any such Taxes (i) so long as the validity thereof shall be contested in good faith by appropriate proceedings diligently pursued and such liable party shall set aside on its books adequate reserves with respect thereto and shall pay any such Taxes before any of its property shall be sold to satisfy any lien which has attached as a security therefore; and (ii) if </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has been notified of such proceedings.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.08</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Insurance</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall keep all property of a character usually insured by Persons engaged in the same or similar businesses, adequately insured by financially sound and reputable insurers, and shall furnish </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> evidence of such insurance immediately upon request in form satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.09</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Compliance With ERISA</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall comply, if applicable, in all material respects, with the provisions of the Employee Retirement Income Security Act of 1974, as amended, and furnish to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, upon </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s request, such information concerning any plan of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or Bank subject to said Act as may be reasonably requested. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall notify </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> immediately of any fact or action arising in connection with any plan which might constitute grounds for the termination thereof by the Pension Benefit Guaranty Corporation or for the appointment by the appropriate United States district court of a trustee or administrator for such plan.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.10</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Financial Condition</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Subject to the provisions of Article V, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall cause each of its Subsidiaries to maintain the ratios of loans to deposits, loan loss reserves and liquidity at percentages acceptable to all Tribunals having jurisdiction over such Subsidiaries.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.11</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Maintenance of Priority of Liens</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. If in the future Collateral exists for the Loan, the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall each perform such acts and shall duly authorize, execute, acknowledge, deliver, file, and record such additional assignments, security agreements, and other agreements, documents, instruments, and certificates as </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> may deem reasonably necessary or appropriate in order to perfect and maintain any and all security interests created in favor of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the Security Instruments.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.12</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">FDIC Insurance</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall cause each Subsidiary bank to maintain federal deposit insurance and to be a member of the Federal Deposit Insurance Corporation.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.13</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Notices</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall promptly notify, and shall cause each Subsidiary to promptly notify, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> of (i) the occurrence of an Event of Default, or of any event that with notice or lapse of time or both would be an Event of Default, (ii) the commencement of any action, suit, or proceeding against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary that might in the reasonable judgment of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> have a material adverse effect on the business, financial condition, or operations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary, and (iii) any other matter that might in the reasonable judgment of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> have a material adverse effect on the business, financial condition, or operations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE V</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Negative Covenants</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">While any part of the Obligations remains unpaid and unless waived in writing by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">:</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.01</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Non-Performing Assets Ratio</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not permit the Non-Performing Assets Ratio of Bank to be greater than fifteen percent (15%), to be calculated at the end of each fiscal quarter.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.02</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Tangible Net Worth.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not permit its Tangible Net Worth, as calculated at the end of each fiscal quarter, to be less than Eighty Five Million and no/100 Dollars ($85,000,000.00).</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.03</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Cash Flow Coverage</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall maintain at all times a Cash Flow Coverage of not less than one hundred twenty five percent (125%), calculated at the end of each fiscal quarter (using a rolling four quarters of Net Income).</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.04</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Total Risk Based Capital Ratio</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall maintain at all times a Total Risk Based Capital Ratio of not less than ten percent (10%), to be calculated at the end of each fiscal quarter.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.05</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Dividends</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Prior to the occurrence of an Event of Default, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> may declare and pay a dividends if Bank has a &#x201c;well capitalized&#x201d; rating from its regulatory Tribunal, provided however, upon the occurrence of and during the continuation of an Event of Default or if Bank loses its &#x201c;well capitalized&#x201d; ratings the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not declare or pay any dividends, make any payment on account of any class of the capital stock of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> now or hereafter outstanding, or make any distribution of cash or properly to holders of any shares of such stock.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.06</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Business</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and each Subsidiary shall not engage, directly or indirectly, in any business other than the businesses permitted by statute and the regulations of the appropriate governmental and regulatory agencies or Tribunals.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.07</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Disposition of Assets</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not pledge the stock of any Subsidiary to any other party without the prior written consent of the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any Subsidiary shall sell, lease, or otherwise dispose of any material part of their assets or investments, except in the ordinary course of business.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.08</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Limitation on Debt</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not, nor allow any Subsidiary to, create, incur, assume, become liable in any manner in respect of, or suffer to exist, any debt for borrowed money except:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">debt, excluding debt created under this Agreement, not in excess of $500,000 (which amount shall not include any debt acquired by acquisition of another entity), calculated at the end of each quarter;</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">debt created under this Agreement;</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">debt secured by a purchase money security interest; or</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(d)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">federal fund purchases, federal reserve borrowings and advances from the Federal Home Loan Bank, calculated at the end of each fiscal quarter in an amount not to exceed fifteen percent (15%) of the Bank&#x2019;s total assets, calculated at the end of each quarter; and</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(e)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">the Subordinated Debentures.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.09</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Prepayment of Debt</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not, and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not permit its Subsidiaries to prepay any of their respective material debt, other than the debt created under this Agreement, or incurred in the ordinary course of business (including without limitation federal funds purchases and advances, certificates of deposit, other deposit liabilities) before the same becomes due without the prior written approval of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; notwithstanding the foregoing, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> may prepay a portion or all of its Trust Preferred Securities (Debt) beginning March 23, 2010 with prior notice and consent from </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.10</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Acquisitions, Mergers, and Dissolutions</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not, and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not permit any Subsidiary to, directly or indirectly, acquire all or any substantial portion of the property, assets, or stock of, or interest in, any Person, or merge or consolidate with any Person, or dissolve or liquidate except in the ordinary course of business without notifying </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> within thirty (30) days before the closing.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.11</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Issuance of Stock</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Without the prior written consent of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, which consent shall not be unreasonably withheld, no Subsidiary shall authorize or issue shares of stock of any class, common or preferred, or any warrant, right or option pertaining to its capital stock or issue any security convertible into capital stock, except for any issued to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> by any Subsidiary.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.12</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Negative Pledge</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any subsidiary Bank will (i) sell, assign (by operation of law or otherwise) or transfer any of its assets, except in the ordinary course of business, (ii) grant a lien or security interest in or execute, authorize, file or record any financing statement or other security instrument with respect to its assets to any party other than </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, (iii) deliver actual or constructive possession of any certificate, instrument or document evidencing and/or representing any of the Collateral to any party other than </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or (iv) enter into an agreement with any party other than </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> prohibiting the creation or allowance of any lien, pledge, security interest, or other encumbrance on the stock of Bank.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE VI</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Default</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">6.01</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Events of Default.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> Each of the following shall be deemed an &#x201c;Event of Default&#x201d;:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Failure by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to pay or perform any part or component of the Obligations, when due or declared due; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Any representation or warranty made or deemed made by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any other Person in any Loan Documents, or in any certificate or financial or other statement furnished at any time to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> by or on behalf of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall be false, misleading or erroneous in any material respect as of the date made, deemed made or furnished and failure by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to cure same within ten (10) Business Days after the date of written notice thereof is given by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Failure to observe, perform or comply with any of the covenants, terms, or agreements contained in this Agreement or any other Loan Document and failure by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to cure same within ten (10) Business Days after the date of written notice thereof is given by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(d)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Failure by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary to pay any of its material indebtedness as the same becomes due or within any applicable grace period (other than indebtedness being actively contested in good faith and for which adequate reserves have been established in accordance with generally accepted accounting principles); or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(e)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary shall file a petition for bankruptcy, liquidation or any answer seeking reorganization, rearrangement, readjustment of its debts or for any other relief under any applicable bankruptcy, insolvency, or similar act or law, now or hereafter existing, or any action consenting to, approving of, or acquiescing in, any such petition or proceeding; or the appointment by consent or acquiescence of, a receiver, trustee, </font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="margin-left:6.667%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">liquidator, or custodian for all or a substantial part of its property, or the making of an assignment for the benefit of creditors; or the inability to pay its debts as they mature; or take any corporate action to authorize any of the foregoing; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(f)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Filing of an involuntary petition against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary seeking reorganization, rearrangement, readjustment or liquidation of its debts or for any other relief under any applicable bankruptcy, insolvency or other similar act or law, now or hereafter existing, or. the involuntary appointment of a receiver, trustee, liquidator or custodian of all or a substantial part of its property, and such involuntary proceeding or appointment remains unvacated, undismissed or unstayed for a period of ninety (90) days; or the issuance of a writ of attachment, execution, sequestration or similar process against any part of its property and same remains unbonded, undischarged, or undismissed for a period of thirty (30) days; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(g)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Final judgment for the payment of money shall be rendered against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary and the same shall remain undischarged for a period of thirty (30) days during which execution shall not be effectively stayed; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(h)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">An event occurs which has a material adverse effect on the financial conditions or operation of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(i)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">A change in control of any Subsidiary (as such or similar term is used in the Financial Institutions Regulatory and Interest Rate Control Act) shall occur, or action to change such control shall be commenced, without the prior written consent of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (which consent may be given or withheld in </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s sole discretion); or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(j)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">This Agreement or any other Loan Document shall be declared null and void or the validity or enforceability thereof shall be contested or challenged by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary or </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall deny that it has any further liability or obligation under any of the Loan Documents; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(k)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Receipt by any Subsidiary of a notice from the Federal Deposit Insurance Corporation of intent to terminate status as an insured bank; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(l)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The filing by any Subsidiary of an application for relief pursuant to section 13(c) of 13(i) of the Federal Deposit Insurance Act, as amended, or similar relief from any Tribunal; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(m)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The filing by any Subsidiary an application for capital forbearance from any Tribunal; or,</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.225%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(n)</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">An enforcement action by a Tribunal is commenced against the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary (including, without limitation, a cease and desist order or memorandum of understanding).</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">6.02</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Remedies Upon Default</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Upon the occurrence of any Event of Default set forth in Section 6.01, at the option of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, the obligation of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to extend credit to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> pursuant hereto shall immediately terminate and the principal of and interest accrued on the Note if not earlier demanded, shall be immediately and automatically forthwith DEMANDED and due and payable without any notice or demand of any kind, and the same shall be due and payable immediately without any notice, presentment, acceleration, demand, protest, notice of acceleration, notice of intent to accelerate, notice of intent to demand, notice of protest or notice of any kind (except notice required by law which has not been waived herein), all of which are hereby waived. Upon the occurrence of any Event of Default, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> may exercise all rights and remedies available to it in law or in equity, under any Loan Document or otherwise.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE VII</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Miscellaneous</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.01</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Notices</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Unless otherwise provided herein, all notices, requests, consents and demands shall be in writing and delivered in person or mailed, postage prepaid, certified mail, return receipt requested, addressed as follows:</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">If intended for </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or its Subsidiaries, to:</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">100 W. Arkansas</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Mount Pleasant, Texas 75456</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Attn: Ty Abston, President</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">If intended for </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, to:</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">P.O. Box 1600</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">San Antonio, Texas 78296</font></p>
  <p style="margin-left:6.667%;text-indent:7.143%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Attn: Justin D. Steinbach</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">or to such other person or address as either party shall designate to the other from time to time in writing forwarded in like manner. All such notices, requests, consents and demands shall be deemed to have been given or made when delivered in person, or if mailed, when deposited in the mails.</font></p>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.02</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Place of Payment</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All sums payable hereunder to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall be paid at </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s banking office at P.O. Box 34746, San Antonio, Texas 78265. If any payment falls due on other than a Business Day, then such due date shall be extended to the next succeeding Business Day, and such amount shall be payable in respect to such extension.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.03</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Survival of Agreement</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All covenants, agreements, representations and warranties made in this Agreement shall survive the execution and delivery of this Agreement in the making of the Loan. All statements contained in any certificate or other instrument delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> hereunder shall be deemed to constitute representations and warranties made by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.04</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">No Waiver</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. No waiver or consent by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> with respect to any act or omission of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary on one occasion shall constitute a waiver or consent with respect to any other act or omission by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary on the same or any other occasion, and no failure on the part of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to exercise and no delay in exercising any right hereunder shall operate as a waiver thereof, nor shall any single or partial exercise by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> of any right hereunder preclude any other or further right of exercise thereof or the exercise of any other right. The rights and remedies provided for in this Agreement and the other Loan Documents are cumulative and not exclusive of any rights and remedies provided by Law.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.05</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Accounting Terms</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All accounting and financial terms used herein, and the compliance with each covenant herein which relates to financial matters, shall be determined in accordance with regulatory accounting principles or GAAP.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.06</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Lender Not In Control</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. None of the covenants or other provisions contained in the Agreement shall, or shall be deemed to, give </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> the right or power to exercise control over the affairs and/or management of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary, the power of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> being limited to those rights generally given to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">s; provided that, if </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> becomes the owner of any stock or other equity interest in </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary whether through foreclosure or otherwise, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall be entitled to exercise such legal rights as it may have by being an owner of such stock, or other equity interest in </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.07</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Joint Venture, Partnership, Etc</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. None of the covenants or other provisions contained in this Agreement shall, or shall be deemed to, constitute or create a joint venture, partnership or any other association, affiliation, or entity between </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.08</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Successors and Assigns</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All covenants and agreements contained in this Agreement and all other Loan Documents shall bind and inure to the benefit of the respective successors and assigns of the parties hereto, except that neither </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor any Subsidiary may assign its rights herein, in whole or in part.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.09</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Expenses</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agrees to reimburse </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> for its out-of-pocket expenses, including reasonable attorneys&#x2019; fees, in connection with the negotiation, preparation, administration and enforcement of this Agreement or any of the Loan Documents, making the Loan hereunder, and in connection with amendments, consents and waivers hereunder.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.10</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Governing Law</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. THIS AGREEMENT, THE NOTE, AND ALL OTHER LOAN DOCUMENTS SHALL BE DEEMED CONTRACTS UNDER THE LAWS OF THE STATE OF TEXAS AND SHALL BE CONSTRUED AND ENFORCED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF TEXAS, EXCEPT TO THE EXTENT THAT FEDERAL LAWS MAY APPLY. THIS AGREEMENT, THE NOTE AND THE OTHER LOAN DOCUMENTS SHALL BE DEEMED TO HAVE BEEN MADE AND TO BE PERFORMED IN SAN ANTONIO, BEXAR COUNTY, TEXAS.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.11</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Severability</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. If any provision of this Agreement is held to be illegal, invalid or unenforceable under present or future Laws effective during the term of this Agreement, such provision shall be fully severable; this Agreement shall be construed and enforced as if such illegal, invalid and unenforceable provision had never comprised a part of this </font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Agreement; and remaining provisions of this Agreement shall remain in full force and effect and shall not be affected by the illegal, invalid or unenforceable provision or by its severance from this Agreement.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.12</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Modification or Waiver</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. No modification or waiver of any provision of this Agreement, the Note, or any Loan Documents shall be effective unless such modification or waiver shall be in writing and executed by a duly authorized officer of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.13</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Right of Setoff</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Nothing in this Agreement shall be deemed a waiver of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s right of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s banker&#x2019;s lien or setoff.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.14</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Release</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> will not be liable to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> for any claim arising from or relating to any of the Loan Documents or any transactions contemplated thereby except upon proof of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s gross negligence or willful misconduct or willful breach of its agreements.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.15</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Waiver of DTPA</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Neither the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> nor its Subsidiary is in a significantly disparate bargaining position and they have both been represented by legal counsel in this transaction. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its Subsidiaries hereby waive the applicability of the Texas Deceptive Trade Practices Act (other than Section 17.555) to the transaction and any and all rights or remedies that may be available to the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or any Subsidiary in connection with this transaction.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.16</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Counterparts, Faxes</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Agreement may be executed simultaneously in multiple counterparts, all of which together shall constitute one and the same instrument. If any Loan Document is transmitted by facsimile machine (&#x201c;fax&#x201d;), it shall be treated for all purposes as an original document. Additionally, the signature of any party on this document transmitted by way of fax shall be considered for all purposes as an original document and shall have the same binding effect as an original document.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.17</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Headings</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The headings, captions, and arrangements used in this Agreement are for convenience only and shall not affect the interpretation of this Agreement.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.18</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Maximum Interest Rate</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. No provision of this Agreement or of the Note shall require the payment or the collection of interest in excess of the maximum amount permitted by applicable law. If any excess of interest in such respect is hereby provided for, or shall be adjudicated to be so provided, in the Note or otherwise in connection with this loan transaction, the provisions of this Section 7.18 shall govern and prevail and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not be obligated to pay the excess amount of such interest or any other excess sum paid for use, forbearance, or detention of sums loaned pursuant hereto. In the event </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> ever receives, collects, or applies as interest any such sum, such amount which would be in excess of the maximum amount permitted by applicable law shall be applied as a payment and reduction of the principal of the indebtedness evidenced by the Note; and, if the principal of the Note has been paid in full, any remaining excess shall forthwith be paid to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.19</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Assignment, Participation, or Pledge by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> may from time to time, without notice to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">: (i) pledge or encumber or assign to any one or more Persons (including, but not limited to, one or more of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s affiliates, subsidiaries, or subsidiaries of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s affiliates) all of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s right, title and interest in and to this Agreement, the Loan Documents and/or the collateral securing the Loan; or (ii) sell, to any one or more Persons, a participation or joint venture interest (provided </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> remains the lead </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">) in all or any part of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x2019;s right, title, and interest in and to this Agreement, the Loan Documents and/or such collateral; and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> hereby expressly consents to any such future transaction. Each participant or joint venturer shall be entitled to receive all information regarding the creditworthiness of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, including, without limitation, all information required to be disclosed to a participant or joint venturer pursuant to any Law of any Tribunal.</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.20</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Patriot Act</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All capitalized words and phrases and all defined terms used in the USA Patriot Act of 2001, 107 Public Law 56 (October 26, 2001) (the &#x201c;Patriot Act&#x201d;) and in other statutes and all orders, rules and regulations of the United States government and its various executive department, agencies and offices related to the subject matter of the Patriot Act, including, but not limited to, Executive Order 13224 effective September 24, 2001, are hereinafter collectively referred to as the &#x201c;Patriot Rules&#x201d; and are incorporated into this Agreement. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> represents and warrants to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> that neither it nor any of its principals, shareholders, members, partners, or affiliates, as applicable, is a person named as a Specially Designated National and Blocked Person (as defined in Presidential Executive Order 13224) and that it is not acting, directly or indirectly, for or on behalf of any such person. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> further represents and warrants to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> that </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its principals, shareholders, members, partners, or affiliates, as applicable, are not, directly or indirectly, engaged in, nor facilitating, the transactions contemplated by this Agreement on behalf of any person named as a Specially Designated National and Blocked Person. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> hereby agrees to defend, indemnify and hold harmless </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> from </font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">and against any and all claims, damages, losses, risks, liabilities, and expenses (including reasonable attorneys&#x2019; fees and costs) arising from or related to any breach of the foregoing representations and warranties</font></div></div>
  <div style="text-indent:6.738%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.065%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.21</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">ENTIRE AGREEMENT</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.THIS AGREEMENT AND THE OTHER LOAN DOCUMENTS CONSTITUTE THE ENTIRE AGREEMENT, UNDERSTANDING, REPRESENTATIONS AND WARRANTIES OF THE PARTIES HERETO AND SUPERSEDE ALL PRIOR AGREEMENTS, ARRANGEMENTS AND UNDERSTANDINGS BETWEEN THE PARTIES. THERE ARE NO ORAL AGREEMENTS BETWEEN THE PARTIES. SHOULD A CONFLICT IN ANY TERMS, CONDITIONS OR COVENANTS EXIST BETWEEN THIS AGREEMENT AND ANY OF THE LOAN DOCUMENTS, THIS AGREEMENT SHALL BE CONTROLLING.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">[REMAINDER OF PAGE INTENTIONALLY LEFT BLANK]</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">IN WITNESS HEREOF, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, by and through their duly authorized officers, have caused this Agreement to be executed the day and year first above written.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:94.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:33.757%;"></td>
    <td style="width:32.644%;"></td>
    <td style="width:33.599%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, President</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">LENDER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Justin D. Steinbach</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Justin D. Steinbach,</font></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Senior Vice President</font></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;" id="first_amendment_to_agreement"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FIRST AMENDMENT TO LOAN AGREEMENT</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">THIS FIRST AMENDMENT TO LOAN AGREEMENT (the &#34;First Amendment&#34;) dated as of the 31st day of March, 2018, to the Loan Agreement (the &#34;Loan Agreement&#34;) made and entered into as of March 31, 2017, is by and between GUARANTY BANCSHARES, INC., a Texas corporation (the &#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;), and FROST BANK, a Texas state bank (&#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;). All capitalized terms not otherwise defined herein shall have the meaning ascribed to each of them in the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">W I T N E S S E T H:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> executed the Loan Agreement to govern that certain promissory note from </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the original principal amount of $25,000,000.00 Note (the &#34;Original Note&#34;);</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> desires to renew and extend the unpaid principal balance of the Original Note and amend the Loan Agreement; and</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agrees to amend the Loan Agreement and renew, extend, and modify the Original Note all as hereinafter provided.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">NOW, THEREFORE, in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> do hereby agree as follows:</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE I</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendments to Loan Agreement</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">Amendments to Section 1.01 of the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agree to, and do hereby amend the Loan Agreement by deleting the definitions of &#34;Cash Flow Coverage,&#34; &#34;Non-Performing Assets Ratio,&#34; &#34;Other Real Estate,&#34; &#34;Subordinated Debentures,&#34; &#34;Tangible Net Worth,&#34; and &#34;Total Risk Based Capital Ratio&#34; in Section 1.01 of the Loan Agreement in their entirety.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agree to, and do hereby amend the Loan Agreement by deleting the definition of &#x201c;Non-Performing Assets&#34; in Section 1.01 of the Loan Agreement in its entirety and substituting therefore the following definition:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;Non-Performing Assets&#34; means loans and leases on nonaccrual, loans restructured in troubled debt restructurings that are in compliance with their modified terms (as reported on the most recent quarterly call report), loans and leases which are past due for 90 days or more (specifically excluding all performing bankruptcy mortgages), and other real estate owned (as reported on the most recent quarterly call report).</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agree to, and do hereby amend the Loan Agreement by adding the following definitions in alphabetical order in Section 1.01 of the Loan Agreement in their entirety:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;Cash Flow&#x201d; means (i) consolidated Net Income, (ii) plus unconsolidated interest expense, (iii) less distributions and dividends, as applicable.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;Debt Service&#x201d; means unconsolidated interest expense plus scheduled principal payments corresponding to the cash flow measurement period.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201c;Texas Ratio&#x201d; shall mean the ratio of Non-Performing Assets to Equity Capital plus reserves for loan losses.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Amendment to Section 4.01(a) of the Loan Agreement. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agree to, and do hereby, amend the Loan Agreement by deleting Section 4.01(a) of the Loan Agreement in its entirety and substituting therefore the following:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Quarterly Information.	As soon as available, but no more than sixty (60) days after the end of each of the first three quarters of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s fiscal year, (i) a copy of the Federal Reserve Board Form Y-9LP and Form Y-9C for </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; (ii) an officer's certificate setting forth the information required to establish whether </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its Subsidiaries were in compliance with the financial covenants and ratios set forth in Articles IV and V hereof during the period covered and that signer or signers have reviewed the relevant terms in this Agreement and have made, or caused to be made under their supervision, a review of the transactions of Bank from the beginning of the accounting period covered by the financial</font><font style="color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> </font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">statements being delivered therewith to the date of the officer's certificate and that such review has not disclosed any Event of Default, or material violation or breach in the due observance of any covenant, agreement or provision of this Agreement; (iii) such other information as </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall reasonably request.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Amendments to Article V of the Loan Agreement. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agree to, and do hereby, amend the Loan Agreement by deleting Sections 5.01, 5.02, 5.03, 5.04, and 5.08 of the Loan Agreement in their entirety and substituting, respectively, therefore the following:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Texas Ratio. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not permit the Texas Ratio of Bank to be more than fifteen percent (15.0%), to be calculated at the end of each fiscal quarter.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Total Capital Ratio of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall maintain at all times a &#34;total capital ratio&#34; (as reported on Schedule RC-R of the most recent quarterly call report) measured on a consolidated basis of not less than ten and one half of one percent (10.5%), to be calculated at the end of each fiscal quarter.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Debt Service Coverage Ratio. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall maintain a ratio of Cash Flow to Debt Service of not less than 1.25 to 1.00, to be calculated at the end of each fiscal quarter on a rolling four-quarter basis.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Total Capital Ratio of Bank. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not permit the &#34;total capital ratio&#34; (as reported on Schedule RC-R of the most recent quarterly call report) of Bank to be less than ten and one half of one percent (10.5%), to be calculated at the end of each fiscal quarter.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Limitation on Debt. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall not, nor allow any Subsidiary to, create, incur, assume, become liable in any manner in respect of, or suffer to exist, any debt for borrowed money except:</font></p>
  <div style="margin-left:10.0%;display:flex;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;align-items:baseline;margin-bottom:10.0pt;margin-right:1.065%;min-width:3.333%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;display:inline-flex;font-size:10.0pt;font-family:Times New Roman;justify-content:flex-start;min-width:3.7033333333333336%;">&#x2022;</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">debt, excluding debt created under this Agreement, not in excess of $500,000.00 (which amount shall not include any debt acquired by acquisition of another entity), calculated at the end of each quarter;</font></div></div>
  <div style="margin-left:10.0%;display:flex;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;align-items:baseline;margin-bottom:10.0pt;margin-right:1.065%;min-width:3.333%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;display:inline-flex;font-size:10.0pt;font-family:Times New Roman;justify-content:flex-start;min-width:3.7033333333333336%;">&#x2022;</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">debt created under this Agreement;</font></div></div>
  <div style="margin-left:10.0%;display:flex;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;align-items:baseline;margin-bottom:10.0pt;margin-right:1.065%;min-width:3.333%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;display:inline-flex;font-size:10.0pt;font-family:Times New Roman;justify-content:flex-start;min-width:3.7033333333333336%;">&#x2022;</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">debt secured by a purchase money security interest;</font></div></div>
  <div style="margin-left:10.0%;display:flex;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;align-items:baseline;margin-bottom:10.0pt;margin-right:1.065%;min-width:3.333%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;display:inline-flex;font-size:10.0pt;font-family:Times New Roman;justify-content:flex-start;min-width:3.7033333333333336%;">&#x2022;</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">$10,000,000.00 of Floating Rate Cumulative Trust Preferred Securities issued by the wholly owned subsidiaries of the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">;</font></div></div>
  <div style="margin-left:10.0%;display:flex;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;align-items:baseline;margin-bottom:10.0pt;margin-right:1.065%;min-width:3.333%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;display:inline-flex;font-size:10.0pt;font-family:Times New Roman;justify-content:flex-start;min-width:3.7033333333333336%;">&#x2022;</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">$9,000,000.00 of unsecured redeemable non-convertible debentures; or</font></div></div>
  <div style="margin-left:10.0%;display:flex;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;align-items:baseline;margin-bottom:10.0pt;margin-right:1.065%;min-width:3.333%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Times New Roman;display:inline-flex;font-size:10.0pt;font-family:Times New Roman;justify-content:flex-start;min-width:3.7033333333333336%;">&#x2022;</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">the aggregate of federal fund purchases, repurchase agreements, federal reserve borrowings, and advances from the Federal Home Loan Bank, calculated at the end of each fiscal quarter in an amount not to exceed fifteen percent (15%) of the Bank 's total assets, calculated at the end of each quarter.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE II</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Conditions of Effectiveness</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Effective Date. This First Amendment shall become effective as of March 31, 2018, when, and only when, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have received counterparts of this First Amendment executed and delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, and when each of the following conditions shall have been met, all in form, substance, and date satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Closing Documents. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have executed and delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (i) a Renewal Revolving Promissory Note, payable to the order of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> as set forth therein, duly executed on behalf of the </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, dated effective March 31, 2018 in the principal amount of $25,000,000.00 (the &#34;Renewal Promissory Note&#34;), (ii) the Arbitration and Notice of Final Agreement, (iii) the Certificate of Corporate Resolutions, and (iv) this First Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Additional Loan Documents. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have executed and delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> such other documents as shall have been requested by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to renew, and extend, the Loan Documents to secure payment of the Obligations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, all in form satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its counsel.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Origination Fee. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have paid to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> a loan origination fee in the amount of Twenty Five Thousand and No\100 Dollars ($25,000.00).</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE III</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Representations and Warranties. In order to induce </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to enter into this First Amendment, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> represents and warrants the following:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has the corporate power to execute and deliver this First Amendment, the Renewal Promissory Note and other Loan Documents and to perform all of its obligations in connection herewith and therewith.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The execution and delivery by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> of this First Amendment, the Renewal Promissory Note, and other Loan Documents and the performance of its obligations in connection herewith and therewith: (i) have been duly authorized or will be duly ratified and affirmed by all requisite corporate action; (ii) will not violate any provision of law, any order of any court or agency of government or the Articles of Incorporation or Bylaws of such entity; (iii) will not be in conflict with, result in a breach of or constitute (alone or with due notice or lapse of time or both) a default under any indenture, agreement or other instrument; and (iv) will not require any registration with, consent or approval of or other action by any federal, state, provincial or other governmental authority or regulatory body.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">There is no action, suit or proceeding at law or in equity or by or before any governmental instrumentality or other agency or regulatory authority now pending or, to the knowledge of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, threatened against or affecting </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or any properties or rights of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or involving this First Amendment or the transactions contemplated hereby which, if adversely determined, would materially impair the right of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to canyon business substantially as now conducted or materially and adversely affect the financial condition of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or materially and adversely affect the ability of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to consummate the transactions contemplated by this First Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The representations and warranties of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> contained in the Loan Agreement, this First Amendment, the Renewal Promissory Note, and any other Loan Document securing </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s Obligations and indebtedness to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> are correct and accurate on and as of the date hereof as though made on and as of the date hereof, except to the extent that the facts upon which such representations are based have been changed by the transactions herein contemplated.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE IV</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligations</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ratification of Obligation. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> does hereby acknowledge, ratify and confirm that it is obligated and indebted to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> as evidenced by the Loan Agreement (as amended by the First Amendment), the Renewal Promissory Note, and all other Loan Documents.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ratification of Agreements. The Loan Agreement, this First Amendment, the Renewal Promissory Note, and each other Loan Document, as hereby amended, are acknowledged, ratified and confirmed in all respects as being valid, existing, and of full force and effect. Any reference to the Loan Agreement in any Loan Document shall be deemed to be a reference to the Loan Agreement as amended by this First Amendment. The execution, delivery and effectiveness of this First Amendment shall not, except as expressly provided herein, operate as a waiver of any tight, power or remedy of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under the Loan Agreement, nor constitute a waiver of any provision of the Loan Agreement.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE V</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Miscellaneous</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Survival of Agreements. All representations, warranties, covenants and agreements of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, herein or in any other Loan Document shall survive the execution and delivery of this First Amendment, and the other Loan Documents and the performance hereof and thereof, including without limitation the making or granting of the Loan and the delivery of the Renewal Promissory Note and all other Loan Documents, and shall further survive until all of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s Obligations to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> are paid in full. All statements and agreements contained in any certificate or instrument delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> hereunder or under the Loan Documents to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall be deemed to constitute the representations and warranties by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and/or agreements and covenants of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under this First Amendment and under the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Loan Document. This First Amendment, the Renewal Promissory Note, and each other Loan Document executed in connection herewith are each a Loan Document and all provisions in the Loan Agreement, as amended, pertaining to Loan Documents apply hereto and thereto.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Governing Law. This First Amendment shall be governed by and construed in all respects in accordance with the laws of the State of Texas and any applicable laws of the United States of America, including construction, validity and performance.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Counterparts. This First Amendment may be separately executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to constitute one and the same First Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Release of Claims. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, by its execution of this First Amendment, hereby declares that it has no set-offs, counterclaims, defenses or other causes of action against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> arising out of the Loan, the renewal, modification and extension of the Loan, any documents mentioned herein or otherwise; and, to the extent any such setoffs, counterclaims, defenses or other causes of action which may exist, whether known or unknown, such items are hereby expressly waived and released by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">ENTIRE AGREEMENT. THIS FIRST AMENDMENT, TOGETHER WITH ANY LOAN DOCUMENTS EXECUTED IN CONNECTION HEREWITH, CONTAINS THE ENTIRE AGREEMENT BETWEEN THE PARTIES HERETO RELATING TO THE SUBJECT MATTER HEREOF AND THEREOF AND ALL PRIOR AGREEMENTS RELATIVE THERETO WHICH ARE NOT CONTAINED HEREIN OR THEREIN ARE TERMINATED. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. THIS FIRST AMENDMENT, AND THE LOAN DOCUMENTS MAY BE AMENDED, REVISED, WAIVED, DISCHARGED, RELEASED OR TERMINATED ONLY BY A WRITTEN INSTRUMENT OR INSTRUMENTS, EXECUTED BY THE PARTY AGAINST WHICH ENFORCEMENT OF THE AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION IS ASSERTED. ANYALLEGED AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION WHICH IS NOT SO DOCUMENTED SHALL NOT BE EFFECTIVE AS TO ANY PARTY.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">[Remainder of Page Intentionally Left Blank]</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">IN WITNESS WHEREOF, this First Amendment is executed effective as of the date first written above.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:94.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:33.757%;"></td>
    <td style="width:32.644%;"></td>
    <td style="width:33.599%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, Chairman &amp; CEO</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">LENDER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Justin D. Steinbach</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Justin D. Steinbach,</font></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Senior Vice President</font></p></td>
   </tr>
  </table>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;" id="second_amendment_to_agreement"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">SECOND AMENDMENT TO LOAN AGREEMENT</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">THIS SECOND AMENDMENT TO LOAN AGREEMENT (the &#34;Second Amendment&#34;) dated as of the 31st day of March, 2019, to the Loan Agreement (the &#34;Loan Agreement&#34;) made and entered into as of March 31, 2017, is by and between GUARANTY BANCSHARES, INC., a Texas corporation (the &#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d;), and FROST BANK, a Texas state bank (&#x201c;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#x201d;). All capitalized terms not otherwise defined herein shall have the meaning ascribed to each of them in the Loan Agreement.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">W I T N E S S E T H:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> executed the Loan Agreement to govern that certain promissory note from </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the original principal amount of $25,000,000.00 (the &#x201c;Note&#x201d;);</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> executed an amendment to the Loan Agreement as evidenced by the First Amendment to Loan Agreement dated as of March 31, 2018, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> desires to renew and extend the unpaid principal balance of the Note; and WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agrees to renew, extend, and modify the Note all as hereinafter provided.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">NOW, THEREFORE, in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> do hereby agree as follows:</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE I</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendment to Note and Loan Agreement</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">1.1   Amendment to Note and Loan Agreement.  </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> have agreed to amend the Note by renewing and extending the revolving line of credit period and maturity date through and including March 31, 2020. All references in the Loan Agreement to the Note shall be references to the Renewal Revolving Promissory Note dated of even date herewith in the original principal amount of $25,000,000 executed by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in favor of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (the &#x201c;Renewal Promissory Note&#x201d;).</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE II</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Conditions of Effectiveness</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Effective Date. This Second Amendment shall become effective as of the date hereof, when, and only when, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have received counterparts of this Second Amendment executed and delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, and when each of the following conditions shall have been met, all in form, substance, and date satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Closing Documents. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have executed and delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (i) the Renewal Promissory Note, (ii) the Arbitration and Notice of Final Agreement, (iii) the Certificate of Corporate Resolutions, and (iv) this Second Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Additional Loan Documents. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have executed and delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> such other documents as shall have been requested by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to renew, and extend, the Loan Documents to secure payment of the Obligations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, all in form satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its counsel.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Origination Fee. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have paid to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> a loan origination fee in the amount of Twenty Five Thousand and No\100 Dollars ($25,000.00).</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE III</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Representations and Warranties. In order to induce </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to enter into this Second Amendment, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> represents and warrants the following:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has the corporate power to execute and deliver this Second Amendment, the Renewal Promissory Note and other Loan Documents and to perform all of its obligations in connection herewith and therewith.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The execution and delivery by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> of this Second Amendment, the Renewal Promissory Note, and other Loan Documents and the performance of its obligations in connection herewith and therewith: (i) have been duly authorized or will be duly ratified and affirmed by all requisite corporate action; (ii) will not violate any provision of law, any order of any court or agency of government or the Articles of Incorporation or Bylaws of such entity; (iii) will not be in conflict with, result in a breach of or constitute (alone or with due notice or lapse of time or both) a default under any indenture, agreement or other instrument; and (iv) will not require any registration with, consent or approval of or other action by any federal, state, provincial or other governmental authority or regulatory body.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">There is no action, suit or proceeding at law or in equity or by or before any governmental instrumentality or other agency or regulatory authority now pending or, to the knowledge of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, threatened against or affecting </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or any properties or rights of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or involving this Second Amendment or the transactions contemplated hereby which, if adversely determined, would materially impair the right of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to carry on business substantially as now conducted or materially and adversely affect the financial condition of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or materially and adversely affect the ability of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to consummate the transactions contemplated by this Second Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The representations and warranties of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> contained in the Loan Agreement, this Second Amendment, the Renewal Promissory Note, and any other Loan Document securing </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s Obligations and indebtedness to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> are correct and accurate on and as of the date hereof as though made on and as of the date hereof, except to the extent that the facts upon which such representations are based have been changed by the transactions herein contemplated.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE IV</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligations</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ratification of Obligation. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> does hereby acknowledge, ratify and confirm that it is obligated and indebted to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> as evidenced by the Loan Agreement (as amended by the Second Amendment), the Renewal Promissory Note, and all other Loan Documents.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ratification of Agreements. The Loan Agreement, this Second Amendment, the Renewal Promissory Note, and each other Loan Document, as hereby amended, are acknowledged, ratified and confirmed in all respects as being valid, existing, and of full force and effect. Any reference to the Loan Agreement in any Loan Document shall be deemed to be a reference to the Loan Agreement as amended by this Second Amendment. The execution, delivery and effectiveness of this Second Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under the Loan Agreement, nor constitute a waiver of any provision of the Loan Agreement.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE V</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Miscellaneous</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Survival of Agreements. All representations, warranties, covenants and agreements of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, herein or in any other Loan Document shall survive the execution and delivery of this Second Amendment, and the other Loan Documents and the performance hereof and thereof, including without limitation the making or granting of the Loan and the delivery of the Renewal Promissory Note and all other Loan Documents, and shall further survive until all of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s Obligations to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> are paid in full. All statements and agreements contained in any certificate or instrument delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> hereunder or under the Loan Documents to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall be deemed to constitute the representations and warranties by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and/or agreements and covenants of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under this Second Amendment and under the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Loan Document. This Second Amendment, the Renewal Promissory Note, and each other Loan Document executed in connection herewith are each a Loan Document and all provisions in the Loan Agreement, as amended, pertaining to Loan Documents apply hereto and thereto.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Governing Law. This Second Amendment shall be governed by and construed in all respects in accordance with the laws of the State of Texas and any applicable laws of the United States of America, including construction, validity and performance.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Counterparts. This Second Amendment may be separately executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to constitute one and the same Second Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Release of Claims. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, by its execution of this Second Amendment, hereby declares that it has no set- offs, counterclaims, defenses or other causes of action against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> arising out of the Loan, the renewal, modification and extension of the Loan, any documents mentioned herein or otherwise; and, to the extent any such setoffs, counterclaims, defenses or other causes of action which may exist, whether known or unknown, such items are hereby expressly waived and released by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">ENTIRE AGREEMENT. THIS SECOND AMENDMENT, TOGETHER WITH ANY LOAN DOCUMENTS EXECUTED IN CONNECTION HEREWITH, CONTAINS THE ENTIRE AGREEMENT BETWEEN THE PARTIES HERETO RELATING TO THE SUBJECT MATTER HEREOF AND THEREOF AND ALL PRIOR AGREEMENTS RELATIVE THERETO WHICH ARE NOT CONTAINED HEREIN OR THEREIN ARE TERMINATED. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. THIS SECOND AMENDMENT, AND THE LOAN DOCUMENTS MAY BE AMENDED, REVISED, WAIVED, DISCHARGED, RELEASED OR TERMINATED ONLY BY A WRITTEN INSTRUMENT OR INSTRUMENTS, EXECUTED BY THE PARTY AGAINST WHICH ENFORCEMENT OF THE AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION IS ASSERTED. ANY ALLEGED AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION WHICH IS NOT SO DOCUMENTED SHALL NOT BE EFFECTIVE AS TO ANY PARTY.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">[Remainder of Page Intentionally Left Blank]</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">IN WITNESS WHEREOF, this Second Amendment is executed effective as of the date first written above.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:94.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:33.777%;"></td>
    <td style="width:32.585%;"></td>
    <td style="width:33.639%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, Chairman &amp; CEO</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">LENDER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Justin D. Steinbach</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Justin D. Steinbach,</font></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Senior Vice President</font></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;" id="third_amendment_to_agreement"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">T</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">HIRD AMENDMENT TO LOAN AGREEMENT</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">THIS THIRD AMENDMENT TO LOAN AGREEMENT (the &#34;Third Amendment&#34;) dated as of the 31st day of March, 2020, to the Loan Agreement (the &#34;Loan Agreement&#34;) made and entered into as of March 31, 2017, is by and between GUARANTY BANCSHARES, INC., a Texas corporation (the &#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;), and FROST BANK, a Texas state bank (&#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;). All capitalized terms not otherwise defined herein shall have the meaning ascribed to each of them in the Loan Agreement.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">W I T N E S S E T H:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> executed the Loan Agreement to govern that certain promissory note from </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in the original principal amount of $25,000,000.00 (the &#34;Note&#34;);</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> executed an amendment to the Loan Agreement as evidenced by the First Amendment to Loan Agreement dated as of March 31, 2018, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> further executed an amendment to the Loan Agreement as evidenced by the Second Amendment to Loan Agreement dated as of March 31, 2019, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> desires to renew and extend the unpaid principal balance of the Note; and</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> agrees to renew, extend, and modify the Note all as hereinafter provided.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">NOW, THEREFORE, in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> do hereby agree as follows:</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE I</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendment to Note and Loan Agreement</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">1.1	Amendment to Note and Loan Agreement. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> have agreed to amend the Note by renewing and extending the revolving line of credit period and maturity date through and including March 31, 2021 and as otherwise set forth therein. All references in the Loan Agreement to the Note shall be references to the Renewal Revolving Promissory Note dated of even date herewith in the original principal amount of $25,000,000 executed by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> in favor of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (the &#34;Renewal Promissory Note&#34;).</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE II</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Conditions of Effectiveness</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Effective Date. This Third Amendment shall become effective as of the date hereof, when, and only when, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have received counterparts of this Third Amendment executed and delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, and when each of the following conditions shall have been met, all in form, substance, and date satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Closing Documents. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have executed and delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> (i) the Renewal Promissory Note, (ii) the Arbitration and Notice of Final Agreement, (iii) the Certificate of Corporate Resolutions, and (iv) this Third Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Additional Loan Documents. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have executed and delivered to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> such other documents as shall have been requested by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to renew, and extend, the Loan Documents to secure payment of the Obligations of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, all in form satisfactory to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and its counsel.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Origination Fee. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall have paid to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> a loan origination fee in the amount of Twenty Five Thousand and No\100 Dollars ($25,000.00).</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE III</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Representations and Warranties. In order to induce </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to enter into this Third Amendment, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> represents and warrants the following:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> has the corporate power to execute and deliver this Third Amendment, the Renewal Promissory Note and other Loan Documents and to perform all of its obligations in connection herewith and therewith.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The execution and delivery by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> of this Third Amendment, the Renewal Promissory Note, and other Loan Documents and the performance of its obligations in connection herewith and therewith: (i) have been duly authorized or will be duly ratified and affirmed by all requisite corporate action; (ii) will not violate any provision of law, any order of any court or agency of government or the Articles of Incorporation or Bylaws of such entity; (iii) will not be in conflict with, result in a breach of or constitute (alone or with due notice or lapse of time or both) a default under any indenture, agreement or other instrument; and (iv) will not require any registration with, consent or approval of or other action by any federal, state, provincial or other governmental authority or regulatory body.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">There is no action, suit or proceeding at law or in equity or by or before any governmental instrumentality or other agency or regulatory authority now pending or, to the knowledge of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, threatened against or affecting </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or any properties or rights of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or involving this Third Amendment or the transactions contemplated hereby which, if adversely determined, would materially impair the right of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to carry on business substantially as now conducted or materially and adversely affect the financial condition of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or materially and adversely affect the ability of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> to consummate the transactions contemplated by this Third Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The representations and warranties of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> contained in the Loan Agreement, this Third Amendment, the Renewal Promissory Note, and any other Loan Document securing </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s Obligations and indebtedness to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> are correct and accurate on and as of the date hereof as though made on and as of the date hereof, except to the extent that the facts upon which such representations are based have been changed by the transactions herein contemplated.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE IV</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligations</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ratification of Obligation. The </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> does hereby acknowledge, ratify and confirm that it is obligated and indebted to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> as evidenced by the Loan Agreement (as amended by the Third Amendment), the Renewal Promissory Note, and all other Loan Documents.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ratification of Agreements. The Loan Agreement, this Third Amendment, the Renewal Promissory Note, and each other Loan Document, as hereby amended, are acknowledged, ratified and confirmed in all respects as being valid, existing, and of full force and effect. Any reference to the Loan Agreement in any Loan Document shall be deemed to be a reference to the Loan Agreement as amended by this Third Amendment. The execution, delivery and effectiveness of this Third Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under the Loan Agreement, nor constitute a waiver of any provision of the Loan Agreement.</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE V</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Miscellaneous</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Survival of Agreements. All representations, warranties, covenants and agreements of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, herein or in any other Loan Document shall survive the execution and delivery of this Third Amendment, and the other Loan Documents and the performance hereof and thereof, including without limitation the making or granting of the Loan and the delivery of the Renewal Promissory Note and all other Loan Documents, and shall further survive until all of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">'s Obligations to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> are paid in full. All statements and agreements contained in any certificate or instrument delivered by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> hereunder or under the Loan Documents to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> shall be deemed to constitute the representations and warranties by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> and/or agreements and covenants of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> under this Third Amendment and under the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Loan Document. This Third Amendment, the Renewal Promissory Note, and each other Loan Document executed in connection herewith are each a Loan Document and all provisions in the Loan Agreement, as amended, pertaining to Loan Documents apply hereto and thereto.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Governing Law. This Third Amendment shall be governed by and construed in all respects in accordance with the laws of the State of Texas and any applicable laws of the United States of America, including construction, validity and performance.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Counterparts. This Third Amendment may be separately executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to constitute one and the same Third Amendment.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Release of Claims. </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, by its execution of this Third Amendment, hereby declares that it has no set-offs, counterclaims, defenses or other causes of action against </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> arising out of the Loan, the renewal, modification and extension of the Loan, any documents mentioned herein or otherwise; and, to the extent any such setoffs, counterclaims, defenses or other causes of action which may exist, whether known or unknown, such items are hereby expressly waived and released by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">ENTIRE AGREEMENT. THIS THIRD AMENDMENT, TOGETHER WITH ANY LOAN DOCUMENTS EXECUTED IN CONNECTION HEREWITH, CONTAINS THE ENTIRE AGREEMENT BETWEEN THE PARTIES HERETO RELATING TO THE SUBJECT MATTER HEREOF AND THEREOF AND ALL PRIOR AGREEMENTS RELATIVE THERETO WHICH ARE NOT CONTAINED HEREIN OR THEREIN ARE TERMINATED. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. THIS THIRD AMENDMENT, AND THE LOAN DOCUMENTS MAY BE AMENDED, REVISED, WAIVED, DISCHARGED, RELEASED OR TERMINATED ONLY BY A WRITTEN INSTRUMENT OR INSTRUMENTS, EXECUTED BY THE PARTY AGAINST WHICH ENFORCEMENT OF THE AMENDMENT, REVISION, WAIYER, DISCHARGE, RELEASE OR TERMINATION IS ASSERTED. ANY ALLEGED AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION WHICH IS NOT SO DOCUMENTED SHALL NOT BE EFFECTIVE AS TO ANY PARTY.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">[Remainder of Page Intentionally Left Blank]</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">IN WITNESS WHEREOF, this Third Amendment is executed effective as of the date first written above.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:94.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:33.757%;"></td>
    <td style="width:32.644%;"></td>
    <td style="width:33.599%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, Chairman &amp; CEO</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">LENDER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Justin D. Steinbach</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Justin D. Steinbach,</font></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Senior Vice President</font></p></td>
   </tr>
  </table>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;" id="fourth_amendment_to_agreement"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FOU</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">RTH AMENDMENT TO LOAN AGREEMENT</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">THIS FOURTH AMENDMENT TO LOAN AGREEMENT (the &#34;Fourth Amendment&#34;) dated as of the 31st day of March, 2021, to the Loan Agreement (the &#34;Loan Agreement&#34;) made and entered into as of March 31, 2017, is by and between </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas corporation (the &#34;Borrower&#34;), and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas state bank (&#34;Lender&#34;). All capitalized terms not otherwise defined herein shall have the meaning ascribed to each of them in the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">WITNESSETH:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower executed the Loan Agreement to govern that certain promissory note from Lender in the original principal amount of $25,000,000.00 (the &#34;Note&#34;);</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender executed an amendment to the Loan Agreement as evidenced by the First Amendment to Loan Agreement dated as of March 31, 2018, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender further executed an amendment to the Loan Agreement as evidenced by the Second Amendment to Loan Agreement dated as of March 31, 2019, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender further executed an amendment to the Loan Agreement as evidenced by the Third Amendment to Loan Agreement dated as of March 31, 2020, which among other things renewed, extended, and modified the Note</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower desires to renew and extend the unpaid principal balance of the Note; and</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Lender agrees to renew, extend, and modify the Note all as hereinafter provided.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">NOW, THEREFORE, in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Borrower and Lender do hereby agree as follows:</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE I</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendment to Note and Loan Agreement</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">1.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendment to Note and Loan Agreement</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower and Lender have agreed to amend the Note by renewing and extending the revolving line of credit period and maturity date through and including March 31, 2022 and as otherwise set forth therein. All references in the Loan Agreement to the Note shall be references to the Renewal Revolving Promissory Note dated of even date herewith in the original principal amount of $25,000,000 executed by Borrower in favor of Lender (the &#34;Renewal Promissory Note&#34;).</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE II</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Conditions of Effectiveness</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">2.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Effective Date</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fourth Amendment shall become effective as of the date hereof, when, and only when, Lender shall have received counterparts of this Fourth Amendment executed and delivered by Borrower and Lender, and when each of the following</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;"> </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">conditions shall have been met, all in form, substance, and date satisfactory to Lender:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Closing Documents</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower shall have executed and delivered to Lender (i) the Renewal Promissory Note, (ii) the Arbitration and Notice of Final Agreement, (iii) the Certificate of Corporate Resolutions, and (iv) this Fourth Amendment.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Additional Loan Documents</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower shall have executed and delivered to Lender such other documents as shall have been requested by Lender to renew, and extend, the Loan Documents to secure payment of the Obligations of Borrower, all in form satisfactory to Lender and its counsel.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Origination Fee</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower shall have paid to Lender a loan origination fee in the amount of Twenty Five Thousand and No\100 Dollars ($25,000.00).</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE III</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">3.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. In order to induce Lender to enter into this Fourth Amendment, Borrower represents and warrants the following:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Borrower has the corporate power to execute and deliver this Fourth Amendment, the Renewal Promissory Note and other Loan Documents and to perform all of its obligations in connection herewith and therewith.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The execution and delivery by Borrower of this Fourth Amendment, the Renewal Promissory Note, and other Loan Documents and the performance of its obligations in connection herewith and therewith: (i) have been duly authorized or will be duly ratified and affirmed by all requisite corporate action; (ii) will not violate any provision of law, any order of any court or agency of government or the Articles of Incorporation or Bylaws of such entity; (iii) will not be in conflict with, result in a breach of or constitute (alone or with due notice or lapse of time or both) a default under any indenture, agreement or other instrument; and (iv) will not require any registration with, consent or approval of or other action by any federal, state, provincial or other governmental authority or regulatory body.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">There is no action, suit or proceeding at law or in equity or by or before any governmental instrumentality or other agency or regulatory authority now pending or, to the knowledge of Borrower, threatened against or affecting Borrower, or any properties or rights of Borrower, or involving this Fourth Amendment or the transactions contemplated hereby which, if adversely determined, would materially impair the right of Borrower to carry on business substantially as now conducted or materially and adversely affect the financial condition of Borrower, or materially and adversely affect the ability of Borrower to consummate the transactions contemplated by this Fourth Amendment.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(d).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The representations and warranties of Borrower contained in the Loan Agreement, this Fourth Amendment, the Renewal Promissory Note, and any other Loan Document securing Borrower's Obligations and indebtedness to Lender are correct and accurate on and as of the date hereof as though made on and as of the date hereof, except to the extent that the facts upon which such representations are based have been changed by the transactions herein contemplated.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE IV</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligations</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligation</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The Borrower does hereby acknowledge, ratify and confirm that it is obligated and indebted to Lender as evidenced by the Loan Agreement (as amended by the Fourth Amendment), the Renewal Promissory Note, and all other Loan Documents.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.2</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Agreements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The Loan Agreement, this Fourth Amendment, the Renewal Promissory Note, and each other Loan Document, as hereby amended, are acknowledged, ratified and confirmed in all respects as being valid, existing, and of full force</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;"> </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">and effect. Any reference to the Loan Agreement in any Loan Document shall be deemed to be a reference to the Loan Agreement as amended by this Fourth Amendment. The execution, delivery and effectiveness of this Fourth Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of Lender under the Loan Agreement, nor constitute a waiver of any provision of the Loan Agreement.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE V</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Miscellaneous</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Survival of Agreements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All representations, warranties, covenants and agreements of Borrower, herein or in any other Loan Document shall survive the execution and delivery of this Fourth Amendment, and the other Loan Documents and the performance hereof and thereof, including without limitation the making or granting of the Loan and </font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">the delivery of the Renewal Promissory Note and all other Loan Documents, and shall further survive until all of Borrower's Obligations to Lender are paid in full. All statements and agreements contained in any certificate or instrument delivered by Borrower hereunder or under the Loan Documents to Lender shall be deemed to constitute the representations and warranties by Borrower and/or agreements and covenants of Borrower under this Fourth Amendment and under the Loan Agreement.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.2</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Loan Document</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fourth Amendment, the Renewal Promissory Note, and each other Loan Document executed in connection herewith are each a Loan Document and all provisions in the Loan Agreement, as amended, pertaining to Loan Documents apply hereto and thereto.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.3</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Governing Law</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fourth Amendment shall be governed by and construed in all respects in accordance with the laws of the State of Texas and any applicable laws of the United States of America, including construction, validity and performance.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.4</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Counterparts</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fourth Amendment may be separately executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to constitute one and the same Fourth Amendment.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.5</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Release of Claims</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower, by its execution of this Fourth Amendment, hereby declares that it has no set-offs, counterclaims, defenses or other causes of action against Lender arising out of the Loan, the renewal, modification and extension of the Loan, any documents mentioned herein or otherwise; and, to the extent any such setoffs, counterclaims, defenses or other causes of action which may exist, whether known or unknown, such items are hereby expressly waived and released by Borrower.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.6</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">ENTIRE AGREEMENT</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. THIS FOURTH AMENDMENT, TOGETHER WITH ANY LOAN DOCUMENTS EXECUTED IN CONNECTION HEREWITH, CONTAINS THE ENTIRE AGREEMENT BETWEEN THE PARTIES HERETO RELATING TO THE SUBJECT MATTER HEREOF AND THEREOF AND ALL PRIOR AGREEMENTS RELATIVE THERETO WHICH ARE NOT CONTAINED HEREIN OR THEREIN ARE TERMINATED. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. THIS FOURTH AMENDMENT, AND THE LOAN DOCUMENTS MAY BE AMENDED, REVISED, WAIVED, DISCHARGED, RELEASED OR TERMINATED ONLY BY A WRITTEN INSTRUMENT OR INSTRUMENTS, EXECUTED BY THE PARTY AGAINST WHICH ENFORCEMENT OF THE AMENDMENT, REVISION, WAIYER, DISCHARGE, RELEASE OR TERMINATION IS ASSERTED. ANY ALLEGED AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION WHICH IS NOT SO DOCUMENTED SHALL NOT BE EFFECTIVE AS TO ANY PARTY.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">[Remainder of Page Intentionally Left Blank}</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">IN WITNESS WHEREOF, this Fourth Amendment is executed effective as of the date first written above.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:94.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:33.757%;"></td>
    <td style="width:32.644%;"></td>
    <td style="width:33.599%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, Chairman &amp; CEO</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">LENDER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Justin D. Steinbach</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Justin D. Steinbach,</font></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Senior Vice President</font></p></td>
   </tr>
  </table>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FIFTH AMENDMENT TO LOAN AGREEMENT</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">THIS FIFTH AMENDMENT TO LOAN AGREEMENT (the &#34;Fifth Amendment&#34;) dated as of the 31st day of March, 2022, to the Loan Agreement (the &#34;Loan Agreement&#34;) made and entered into as of March 31, 2017, is by and between </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas corporation (the &#34;Borrower&#34;), and </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas state bank (&#34;Lender&#34;). All capitalized terms not otherwise defined herein shall have the meaning ascribed to each of them in the Loan Agreement.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">WITNESSETH:</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower executed the Loan Agreement to govern that certain promissory note from Lender in the original principal amount of $25,000,000.00 (the &#34;Note&#34;);</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender executed an amendment to the Loan Agreement as evidenced by the First Amendment to Loan Agreement dated as of March 31, 2018, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender further executed an amendment to the Loan Agreement as evidenced by the Second Amendment to Loan Agreement dated as of March 31, 2019, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender further executed an amendment to the Loan Agreement as evidenced by the Third Amendment to Loan Agreement dated as of March 31, 2020, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower and Lender further executed an amendment to the Loan Agreement as evidenced by the Fourth Amendment to Loan Agreement dated as of March 31, 2021, which among other things renewed, extended, and modified the Note;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Borrower desires to renew and extend the unpaid principal balance of the Note; and</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">WHEREAS, Lender agrees to renew, extend, and modify the Note all as hereinafter provided.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">NOW, THEREFORE, in consideration of the premises and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, Borrower and Lender do hereby agree as follows:</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE I</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendment to Note and Loan Agreement</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">1.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Amendment to Note and Loan Agreement</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower and Lender have agreed to amend the Note by renewing and extending the revolving line of credit period and maturity date through and including March 31, 2023 and as otherwise set forth therein. All references in the Loan Agreement to the Note shall be references to the Renewal Revolving Promissory Note dated of even date herewith in the original principal amount of $25,000,000 executed by Borrower in favor of Lender (the &#34;Renewal Promissory Note&#34;).</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE II</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Conditions of Effectiveness</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">2.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Effective Date</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fifth Amendment shall become effective as of the date hereof, when, and only when, Lender shall have received counterparts of this Fifth Amendment executed and delivered by Borrower and Lender, and when each of the following</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;"> </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">conditions shall have been met, all in form, substance, and date satisfactory to Lender:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Closing Documents</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower shall have executed and delivered to Lender (i) the Renewal Promissory Note, (ii) the Arbitration and Notice of Final Agreement, (iii) the Certificate of Corporate Resolutions, and (iv) this Fifth Amendment.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Additional Loan Documents</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower shall have executed and delivered to Lender such other documents as shall have been requested by Lender to renew, and extend, the Loan Documents to secure payment of the Obligations of Borrower, all in form satisfactory to Lender and its counsel.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Origination Fee</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower shall have paid to Lender a loan origination fee in the amount of Twenty-Five Thousand and No\100 Dollars ($25,000.00).</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE III</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">3.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Representations and Warranties</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. In order to induce Lender to enter into this Fifth Amendment, Borrower represents and warrants the following:</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(a).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Borrower has the corporate power to execute and deliver this Fifth Amendment, the Renewal Promissory Note and other Loan Documents and to perform all of its obligations in connection herewith and therewith.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(b).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The execution and delivery by Borrower of this Fifth Amendment, the Renewal Promissory Note, and other Loan Documents and the performance of its obligations in connection herewith and therewith: (i) have been duly authorized or will be duly ratified and affirmed by all requisite corporate action; (ii) will not violate any provision of law, any order of any court or agency of government or the Articles of Incorporation or Bylaws of such entity; (iii) will not be in conflict with, result in a breach of or constitute (alone or with due notice or lapse of time or both) a default under any indenture, agreement or other instrument; and (iv) will not require any registration with, consent or approval of or other action by any federal, state, provincial or other governmental authority or regulatory body.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(c).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">There is no action, suit or proceeding at law or in equity or by or before any governmental instrumentality or other agency or regulatory authority now pending or, to the knowledge of Borrower, threatened against or affecting Borrower, or any properties or rights of Borrower, or involving this Fifth Amendment or the transactions contemplated hereby which, if adversely determined, would materially impair the right of Borrower to carry on business substantially as now conducted or materially and adversely affect the financial condition of Borrower, or materially and adversely affect the ability of Borrower to consummate the transactions contemplated by this Fifth Amendment.</font></div></div>
  <div style="margin-left:6.667%;text-indent:7.235%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:7.14323979728499%;">(d).</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">The representations and warranties of Borrower contained in the Loan Agreement, this Fifth Amendment, the Renewal Promissory Note, and any other Loan Document securing Borrower's Obligations and indebtedness to Lender are correct and accurate on and as of the date hereof as though made on and as of the date hereof, except to the extent that the facts upon which such representations are based have been changed by the transactions herein contemplated.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE IV</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligations</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Obligation</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The Borrower does hereby acknowledge, ratify and confirm that it is obligated and indebted to Lender as evidenced by the Loan Agreement (as amended by the Fifth Amendment), the Renewal Promissory Note, and all other Loan Documents.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.2</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Ratification of Agreements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The Loan Agreement, this Fifth Amendment, the Renewal Promissory Note, and each other Loan Document, as hereby amended, are acknowledged, ratified and confirmed in all respects as being valid, existing, and of full force</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;"> </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">and effect. Any reference to the Loan Agreement in any Loan Document shall be deemed to be a reference to the Loan Agreement as amended by this Fifth Amendment. The execution, delivery and effectiveness of this Fifth Amendment shall not, except as expressly provided herein, operate as a waiver of any right, power or remedy of Lender under the Loan Agreement, nor constitute a waiver of any provision of the Loan Agreement.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">ARTICLE V</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Miscellaneous</font></p>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.1</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Survival of Agreements</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. All representations, warranties, covenants and agreements of Borrower, herein or in any other Loan Document shall survive the execution and delivery of this Fifth Amendment, and the other Loan Documents and the performance hereof and thereof, including without limitation the making or granting of the Loan and the delivery of the Renewal Promissory Note and all other Loan Documents, and shall further survive until all of Borrower's Obligations to Lender are paid in full. All statements and agreements contained in any certificate or instrument delivered by Borrower hereunder or under the Loan Documents to Lender shall be deemed to constitute the representations and warranties by Borrower and/or agreements and covenants of Borrower under this Fifth Amendment and under the Loan Agreement.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.2</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Loan Document</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fifth Amendment, the Renewal Promissory Note, and each other Loan Document executed in connection herewith are each a Loan Document and all provisions in the Loan Agreement, as amended, pertaining to Loan Documents apply hereto and thereto.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.3</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Governing Law</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fifth Amendment shall be governed by and construed in all respects in accordance with the laws of the State of Texas and any applicable laws of the United States of America, including construction, validity and performance.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.4</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Counterparts</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Fifth Amendment may be separately executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed shall be deemed to constitute one and the same Fifth Amendment.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.5</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Release of Claims</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower, by its execution of this Fifth Amendment, hereby declares that it has no set-offs, counterclaims, defenses or other causes of action against Lender arising out of the Loan, the renewal, modification and extension of the Loan, any documents mentioned herein or otherwise; and, to the extent any such setoffs, counterclaims, defenses or other causes of action which may exist, whether known or unknown, such items are hereby expressly waived and released by Borrower.</font></div></div>
  <div style="text-indent:6.747%;font-size:0;margin-top:10.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.185%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.6</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">ENTIRE AGREEMENT</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. THIS FIFTH AMENDMENT, TOGETHER WITH ANY LOAN DOCUMENTS EXECUTED IN CONNECTION HEREWITH, CONTAINS THE ENTIRE AGREEMENT BETWEEN THE PARTIES HERETO RELATING TO THE SUBJECT MATTER HEREOF AND THEREOF AND ALL PRIOR AGREEMENTS RELATIVE THERETO WHICH ARE NOT CONTAINED HEREIN OR THEREIN ARE TERMINATED. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. THIS FIFTH AMENDMENT, AND THE LOAN DOCUMENTS MAY BE AMENDED, REVISED, WAIVED, DISCHARGED, RELEASED OR TERMINATED ONLY BY A WRITTEN INSTRUMENT OR INSTRUMENTS, EXECUTED BY THE PARTY AGAINST WHICH ENFORCEMENT OF THE AMENDMENT, REVISION, WAIYER, DISCHARGE, RELEASE OR TERMINATION IS ASSERTED. ANY ALLEGED AMENDMENT, REVISION, WAIVER, DISCHARGE, RELEASE OR TERMINATION WHICH IS NOT SO DOCUMENTED SHALL NOT BE EFFECTIVE AS TO ANY PARTY.</font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">[Remainder of Page Intentionally Left Blank}</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">IN WITNESS WHEREOF, this Fifth Amendment is executed effective as of the date first written above.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:94.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:33.757%;"></td>
    <td style="width:32.644%;"></td>
    <td style="width:33.599%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, Chairman &amp; CEO</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;font-style:italic;">LENDER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;border-bottom:0.500pt solid;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Justin D. Steinbach</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Justin D. Steinbach,</font></p><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Senior Vice President</font></p></td>
   </tr>
  </table>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:10.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <hr style="page-break-after:always;">
 </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>gnty-ex10_2.htm
<DESCRIPTION>EX-10.2
<TEXT>
<html>
 <head>
  <title>EX-10.2</title>
 </head>
 <body>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:24.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">EXHIBIT 10.2</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">RENEWAL REVOLVING PROMISSORY NOTE</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:center;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">(Floating Rate Revolving Line of Credit)</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:auto;border-spacing:0;table-layout:fixed;width:100.0%;border-collapse:separate;margin-right:auto;">
   <tr style="visibility:collapse;">
    <td style="width:50.0%;"></td>
    <td style="width:50.0%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.080in;vertical-align:top;padding-right:0.080in;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">$25,000,000.00</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.080in;vertical-align:middle;padding-right:0.080in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">March 31, 2022</font></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">For value received, </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas corporation, as principal (&#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Borrower</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;), promises to pay to the order of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">FROST BANK</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, a Texas state bank (&#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Lender</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;) at P.O. Box 34746, San Antonio, Texas 78265, or at such other address as Lender shall from time to time specify in writing, the principal sum of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">TWENTY FIVE MILLION AND NO/100 DOLLARS ($25,000,000.00)</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, or so much that may be advanced from time to time, in legal and lawful money of the United States of America, with interest on the outstanding principal from the date advanced until paid at the rate set out below. Interest shall be computed on a per annum basis of a year of 360 days and for the actual number of days elapsed, unless such calculation would result in a rate greater than the highest rate permitted by applicable law, in which case interest shall be computed on a per annum basis of a year of 365 days or 366 days in a leap year, as the case may be.</font></p>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">1.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Payment Terms</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Interest shall be due and payable quarterly as it accrues on the 15th day of January, April, July, and October of each year, beginning July 15, 2022, and continuing regularly and quarterly thereafter until March 31, 2023, when the entire amount hereof, principal and accrued interest then remaining unpaid, shall be then due and payable; interest being calculated on the unpaid principal each day principal is outstanding and all payments made credited to any collection costs and late charges, to the discharge of the interest accrued and to the reduction of the principal, in such order as Lender shall determine.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">2.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Late Charge</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. If a payment is made more than 10 days after it is due, Borrower will be charged, in addition to interest, a delinquency charge of (i) 5% of the unpaid portion of the regularly scheduled payment, or (ii) $250.00, whichever is less. Additionally, upon maturity of this Note, if the outstanding principal balance (plus all accrued but unpaid interest) is not paid within 10 days of the maturity date, Borrower will be charged a delinquency charge of (i) 5% of the sum of the outstanding principal balance (plus all accrued but unpaid interest), or (ii) $250.00, whichever is less. Borrower agrees with Lender that the charges set forth herein are reasonable compensation to Lender for the handling of such late payments.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">3.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Interest Rate</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Interest on the outstanding and unpaid principal balance hereof shall be computed at a per annum rate equal to the lesser of (a)  a rate equal to the Prime Rate or (b) the highest rate permitted by applicable law, but in no event shall interest contracted for, charged or received hereunder plus any other charges in connection herewith which constitute interest exceed the maximum interest permitted by applicable law, said rate to be effective prior to maturity (however such maturity is brought about). The term &#34;Prime Rate,&#34; as used herein, shall mean the maximum &#34;Latest&#34; &#34;U.S.&#34; prime rate of interest per annum published from time to time in the Money Rates section of </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">The Wall Street Journal</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">(US Edition)</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> or in any successor publication to </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">The Wall Street Journal</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">; provided, however, in no event shall the Prime Rate be less than 3.50%. Borrower understands that the Prime Rate may not be the best, lowest, or most favored rate of Lender or </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">The Wall Street Journal</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, and any representation or warranty in that regard is expressly disclaimed by Lender. Borrower acknowledges that (i) if more than one U.S. prime rate is published at any time by </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">The Wall Street Journal</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">, the highest of such prime rates shall constitute the Prime Rate hereunder, and (ii) if at any time </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">The Wall Street Journal</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> ceases to publish a U.S. prime rate, Lender shall have the right to select a substitute rate that Lender determines, in the exercise of its reasonable commercial discretion, to be comparable to such prime rate, and the substituted rate as so selected, upon the sending of written notice thereof to Borrower, shall constitute the Prime Rate hereunder. Upon each increase or decrease hereafter in the Prime Rate, the rate of interest upon the unpaid principal balance hereof shall be increased or decreased by the same amount as the increase or decrease in the Prime Rate, such increase or decrease to become effective as of the day of each such change in the Prime Rate and without notice to Borrower or any other person.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">4.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Default Rate</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. For so long as any event of default exists under this Note or under any of the other Loan Documents (as defined herein), regardless of whether or not there has been an acceleration of the indebtedness evidenced by this Note, and at all times after the maturity of the indebtedness evidenced by this Note (whether by acceleration or otherwise), and in addition to all other rights and remedies of Lender hereunder, interest shall accrue at the rate stated above plus five percent (5%) per annum, but in no event in excess of the highest rate permitted by applicable law, and such accrued interest shall be immediately due and payable. Borrower acknowledges that it would be extremely difficult or impracticable to determine Lender's actual damages resulting from any event of default, and such accrued interest is a reasonable estimate of those damages and does not constitute a penalty.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">5.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Revolving Line of Credit</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Under the Loan Agreement dated as of March 31, 2017 between Borrower and Lender, as amended by that certain First Amendment to Loan Agreement dated as of March 31, 2018, that certain Second Amendment to Loan Agreement dated as of March 31, 2019, that certain Third Amendment to Loan Agreement dated as </font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:11.0pt;font-family:Times New Roman;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:11.0pt;font-family:Times New Roman;">&#160;</font></p>
  <div style="font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">of March 31, 2020, that certain Fourth Amendment to Loan Agreement dated as of March 31, 2021, and that certain Fifth Amendment to Loan Agreement dated of even date herewith (the &#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Loan Agreement</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34;), Borrower may request advances and make payments hereunder from time to time, provided that it is understood and agreed that the aggregate principal amount outstanding from time to time hereunder shall not at any time exceed $25,000,000.00. The unpaid balance of this Note shall increase and decrease with each new advance or payment hereunder, as the case may be. This Note shall not be deemed terminated or canceled prior to the date of its maturity, although the entire principal balance hereof may from time to time be paid in full. Borrower may borrow, repay and re-borrow hereunder. All payments and prepayments of principal or interest on this Note shall be made in lawful money of the United States of America in immediately available funds, at the address of Lender indicated above, or such other place as the holder of this Note shall designate in writing to Borrower. If any payment of principal or interest on this Note shall become due on a day which is not a Business Day (as hereinafter defined), such payment shall be made on the next succeeding Business Day and any such extension of time shall be included in computing interest in connection with such payment. As used herein, the term &#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Business Day</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">&#34; shall mean any day other than a Saturday, Sunday or any other day on which commercial banks in the State of Texas are authorized to close or are in fact closed. The books and records of Lender shall be </font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;font-style:italic;">prima facie</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;"> evidence of all outstanding principal of and accrued and unpaid interest on this Note.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">6.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Prepayment</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Borrower reserves the right to prepay, prior to maturity, all or any part of the principal of this Note without penalty. Any prepayments shall be applied first to accrued interest and then to principal. Borrower will provide written notice to the holder of this Note of any such prepayment of all or any part of the principal at the time thereof. All payments and prepayments of principal or interest on this Note shall be made in lawful money of the United States of America in immediately available funds, at the address of Lender indicated above, or such other place as the holder of this Note shall designate in writing to Borrower. All partial prepayments of principal shall be applied to the last installments payable in their inverse order of maturity.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">7.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Default</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. It is expressly provided that upon default in the punctual payment of any indebtedness evidenced by this Note or any part hereof, as the same shall become due and payable, or upon the occurrence of an event of default specified in any of the  other  Loan  Documents  (as defined herein), the holder of this Note may, at its option, without further notice or demand,  (i) declare the outstanding principal balance of and accrued but unpaid  interest  on this Note at  once  due and payable, (ii) refuse to advance any additional amounts under this Note, (iii) foreclose  all  liens securing payment hereof, (iv) pursue any and all  other  rights,  remedies  and  recourses available to the holder hereof, including but not limited to any such rights, remedies or recourses under the Loan Documents, at law or in equity,  or  (v)  pursue  any combination  of the foregoing; and in the event default is made in the prompt payment of this Note when due or declared due, and the same is placed in the hands of an attorney for collection, or suit is brought on same, or the same is collected through probate, bankruptcy or other judicial proceedings, then the Borrower agrees and promises to pay all costs of collection, including reasonable attorney's fees.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">8.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Joint and Several Liability; Waiver</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. Each maker, signer, surety and endorser hereof, as well as all heirs, successors and legal representatives of said parties, shall be directly and primarily, jointly and severally, liable for the payment of all indebtedness hereunder. Lender may release or modify the obligations of any of the foregoing persons or entities, or guarantors hereof, in connection with this Note without affecting the obligations of the others. All such persons or entities expressly waive presentment and demand for payment, notice of default, notice of intent to accelerate maturity, notice of acceleration of maturity, protest, notice of protest, notice of dishonor, and all other notices and demands for which waiver is not prohibited by law, and diligence in the collection hereof; and agree to all renewals, extensions, indulgences, partial payments, releases or exchanges of collateral, or taking of additional collateral, with or without notice, before or after maturity. No delay or omission of Lender in exercising any right hereunder shall be a waiver of such right or any other right under this Note.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">9.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">No Usury Intended; Usury Savings Clause</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. In no event shall interest contracted for, charged or received hereunder, plus any other charges in connection herewith which constitute interest, exceed the maximum interest permitted by applicable law. The amounts of such interest or other charges previously paid to the holder of the Note in excess of the amounts permitted by applicable law shall be applied by the holder of the Note to reduce the principal of the indebtedness evidenced by the Note, or, at the option of the holder of the Note, be refunded. To the extent permitted by applicable law, determination of the legal maximum amount of interest shall at all times be made by amortizing, prorating, allocating and spreading in equal parts during the period of the full stated term of the loan and indebtedness, all interest at any time contracted for, charged or received from the Borrower hereof in connection with the loan and indebtedness evidenced hereby, so that the actual rate of interest on account of such indebtedness is uniform throughout the term hereof.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">10.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Security</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Note has been executed and delivered pursuant to the Loan Agreement. This Note, the Loan Agreement, and all other documents evidencing, securing, governing, guaranteeing and/or pertaining to this Note, including but not limited to those documents described above, are collectively referred to as the &#34;</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;">Loan Documents</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">.&#34; The </font></div></div>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:11.0pt;font-family:Times New Roman;">&#160;</font></p>
  <hr style="page-break-after:always;">
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:11.0pt;font-family:Times New Roman;">&#160;</font></p>
  <div style="font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">holder of this Note is entitled to the benefits and security provided in the Loan Documents.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">11.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Texas Finance Code</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. In no event shall Chapter 346 of the Texas Finance Code (which regulates certain revolving loan accounts and revolving tri-party accounts) apply to this Note. To the extent that Chapter 303 of the Texas Finance Code is applicable to this Note, the &#34;weekly ceiling&#34; specified in such article is the applicable ceiling; provided that, if any applicable law permits greater interest, the law permitting the greatest interest shall apply.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">12.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Governing Law, Venue</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Note is being executed and delivered, and is intended to be performed in the State of Texas. Except to the extent that the laws of the United States may apply to the terms hereof, the substantive laws of the State of Texas shall govern the validity, construction, enforcement and interpretation of this Note. In the event of a dispute involving this Note or any other instruments executed in connection herewith, the undersigned irrevocably agrees that venue for such dispute shall lie in any court of competent jurisdiction in Bexar County, Texas.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">13.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Captions</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. The captions in this Note are inserted for convenience only and are not to be used to limit the terms herein.</font></div></div>
  <p style="text-indent:6.667%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <div style="text-indent:6.739%;font-size:0;margin-top:0.0pt;line-height:1.15;justify-content:flex-start;margin-bottom:0.0pt;margin-right:1.074%;min-width:6.667%;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;text-indent:0;display:inline-flex;font-size:10.0pt;font-family:Arial;justify-content:flex-start;min-width:6.667%;">14.</font><div style="display:inline;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;text-decoration:underline;font-size:10.0pt;font-family:Arial;font-style:italic;">Renewal and Extension</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">. This Note is given in renewal and extension, but not extinguishment, of all amounts left owing and unpaid on that certain Renewal Revolving Promissory Note dated March 31, 2021 executed and delivered by Borrower and payable to the order of Lender in the original principal amount of $25,000,000.00.</font></div></div>
  <p style="margin-left:1.027%;text-indent:6.578%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;margin-right:1.074%;text-align:justify;"><font style="white-space:pre-wrap;font-size:11.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p>
  <table style="margin-left:0.4375in;border-spacing:0;table-layout:fixed;width:82.0%;border-collapse:separate;">
   <tr style="visibility:collapse;">
    <td style="width:34.124%;"></td>
    <td style="width:23.882%;"></td>
    <td style="width:41.994%;"></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;padding-right:0.075in;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;text-decoration:underline;font-size:10.0pt;font-family:Arial;">BORROWER</font><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:bold;font-size:10.0pt;font-family:Arial;">GUARANTY BANCSHARES, INC.</font></p></td>
   </tr>
   <tr style="height:41.75pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;padding-right:0.075in;text-align:center;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">By:</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:bottom;border-bottom:0.500pt solid;padding-right:0.075in;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">/s/ Ty Abston</font></p></td>
   </tr>
   <tr style="height:10.0pt;">
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:0.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="background-color:rgba(0,0,0,0);color:rgba(0,0,0,1);white-space:pre-wrap;font-weight:normal;font-size:10.0pt;font-family:Arial;">Ty Abston, Chairman &amp; CEO</font></p></td>
   </tr>
   <tr>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:center;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:right;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
    <td style="background-color:rgba(0,0,0,0);word-break:break-word;padding-left:0.075in;vertical-align:top;padding-right:0.075in;text-align:right;"><p style="text-indent:36.0pt;font-size:10.0pt;margin-top:0.0pt;line-height:1.05;font-family:Times New Roman;margin-bottom:0.0pt;text-align:justify;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Arial;">&#160;</font></p></td>
   </tr>
  </table>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:1.15;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:10.0pt;font-family:Times New Roman;">&#160;</font></p>
  <p style="text-indent:0.0%;font-size:10.0pt;margin-top:0.0pt;line-height:0.06708333333333333;font-family:Times New Roman;margin-bottom:0.0pt;text-align:left;"><font style="white-space:pre-wrap;font-size:11.0pt;font-family:Times New Roman;">&#160;</font></p>
  <hr style="page-break-after:always;">
 </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>4
<FILENAME>gnty-20220401_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- DFIN New ActiveDisclosure (SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date :2022-04-01T10:47:15.6478+00:00 -->
<!-- Copyright (c) 2022 Donnelly Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <link:roleRef roleURI="http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation" xlink:href="gnty-20220401.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple"/>
  <link:presentationLink xlink:role="http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation" xlink:title="presentationLink" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentType" order="0" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_AmendmentFlag" order="1" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentPeriodEndDate" order="2" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityRegistrantName" order="3" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityCentralIndexKey" order="4" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityEmergingGrowthCompany" order="5" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityFileNumber" order="6" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityIncorporationStateCountryCode" order="7" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityTaxIdentificationNumber" order="8" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine1" order="9" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine2" order="10" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressCityOrTown" order="11" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="12" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressPostalZipCode" order="13" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_CityAreaCode" order="14" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_LocalPhoneNumber" order="15" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_WrittenCommunications" order="16" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="17" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementTenderOffer" order="18" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="19" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityExTransitionPeriod" order="20" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_Security12bTitle" order="21" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_TradingSymbol" order="22" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SecurityExchangeName" order="23" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/label"/>
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>5
<FILENAME>gnty-20220401.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- DFIN New ActiveDisclosure (SM) XBRL Schema Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date :2022-04-01T10:47:15.2671+00:00 -->
<!-- Copyright (c) 2022 Donnelly Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema targetNamespace="http://www.gnty.com/20220401" attributeFormDefault="unqualified" elementFormDefault="qualified" xmlns:enum2="http://xbrl.org/2020/extensible-enumerations-2.0" xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:us-gaap="http://fasb.org/us-gaap/2021-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2021q4" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:gnty="http://www.gnty.com/20220401" xmlns:xlink="http://www.w3.org/1999/xlink">
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance"/>
  <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase"/>
  <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt"/>
  <xsd:import schemaLocation="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd" namespace="http://fasb.org/us-gaap/2021-01-31"/>
  <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd" namespace="http://xbrl.sec.gov/dei/2021q4"/>
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="gnty-20220401_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Labels link" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="gnty-20220401_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation link" xlink:type="simple"/>
      <link:roleType roleURI="http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document And Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>gnty-20220401_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?>
<!-- DFIN New ActiveDisclosure (SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date :2022-04-01T10:47:15.5443+00:00 -->
<!-- Copyright (c) 2022 Donnelly Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:title="labelLink" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="dei_EntityEmergingGrowthCompany"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentType" xlink:label="dei_DocumentType"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd#us-gaap_HealthCareOrganizationsAbstract" xlink:label="us-gaap_HealthCareOrganizationsAbstract"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityExTransitionPeriod" xlink:label="dei_EntityExTransitionPeriod"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CoverAbstract" xlink:label="dei_CoverAbstract"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode"/>
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag"/>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Pre-commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Pre-commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_SecurityExchangeName_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line Two</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="us-gaap_HealthCareOrganizationsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Health Care Organizations [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_Security12bTitle_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Title of 12(b) Security</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityExTransitionPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Ex Transition Period</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_WrittenCommunications_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_CoverAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_SolicitingMaterial_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation, State or Country Code</link:label>
    <link:label xml:lang="en-US" xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_HealthCareOrganizationsAbstract" xlink:to="us-gaap_HealthCareOrganizationsAbstract_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityExTransitionPeriod" xlink:to="dei_EntityExTransitionPeriod_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl"/>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl"/>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>7
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.1</span><table class="report" border="0" cellspacing="2" id="idm140287781824344">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Apr. 01, 2022</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Apr.  01,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">GUARANTY BANCSHARES, INC.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001058867<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-38087<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">TX<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">75-1656431<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">16475 Dallas Parkway<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 600<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Addison<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">TX<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">75001<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">888<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">572-9881<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityExTransitionPeriod', window );">Entity Ex Transition Period</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $1.00 per share <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">GNTY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityExTransitionPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 7A<br> -Section B<br> -Subsection 2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityExTransitionPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>8
<FILENAME>gnty-20220401_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2021q4"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="gnty-20220401.xsd" xlink:type="simple"/>
    <context id="C_9a477792-5946-49a6-af1b-728c505c80d6">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0001058867</identifier>
        </entity>
        <period>
            <startDate>2022-04-01</startDate>
            <endDate>2022-04-01</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_cb2b2b65-f9c3-4cd7-832c-05c20bc8f9e8">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_32c190f9-46fc-4612-af47-dfce4897e59c">0001058867</dei:EntityCentralIndexKey>
    <dei:DocumentType
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_e7556b09-51c8-4ae5-b1bb-efff43201bbf">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_7f3f0df6-6647-48ec-858a-e0d89c14e787">2022-04-01</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_588a7c91-367b-458a-baf5-bdbb55bfbd4a">GUARANTY BANCSHARES, INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_0597a94e-f8ee-4f43-8089-c2d749a88cc1">TX</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_3e0f0f9f-c975-4276-9679-eb04ae8793b4">001-38087</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_8ccb376d-233a-4f6b-99f4-6005661c7be9">75-1656431</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_a01262af-0dca-4ece-b64d-c67b4f79d17b">16475 Dallas Parkway</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_59052520-64e9-43c7-aa3b-c78642c7892e">Suite 600</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_fa20aa7f-09e2-4ca7-9c4a-93939cffc141">Addison</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_6ef22af9-071b-40d6-b509-25c6ce86ecc4">TX</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_a0daee60-fef8-4967-94d2-fa69a88cec6c">75001</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_7ba271f2-2ec0-498d-b19d-a61571f32c01">888</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_a95b9b14-31da-4f65-8a78-a0341b0c8dc2">572-9881</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_733db6d1-b094-4c9e-84b0-b72ac68d8529">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_ce92fb3f-7747-442f-99bb-7126265761c6">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_cc2c0156-0b0f-48ce-9eb7-50cb93ba049e">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_22eff3ad-d340-4e4a-a691-ce05392154ac">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_c6de7877-4478-4226-9d94-b7829c8795fd">Common Stock, par value $1.00 per share </dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_523ef9bd-ad0f-4baa-8d4e-5f3494cbe3a8">GNTY</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_743b7d53-2667-493d-8373-f9b1ed002bd0">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_0c86c24a-6cbb-4c1b-8aa6-a1581e71cdaf">true</dei:EntityEmergingGrowthCompany>
    <dei:EntityExTransitionPeriod
      contextRef="C_9a477792-5946-49a6-af1b-728c505c80d6"
      id="F_1b78ba75-ba5b-4e72-8dc7-8246ca0fae2c">true</dei:EntityExTransitionPeriod>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>9
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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MFRI5 %DK("[;"EA[O7>6U]^_D@4TD(J717/?Z39RX6HM79!7.[R'6_*":^B
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MZ.#<@V#OX96,'<V/'W?W U!+ P04    "  B68%4)!Z;HJT   #X 0  &@
M 'AL+U]R96QS+W=O<FMB;V]K+GAM;"YR96QSM9$]#H,P#(6O$N4 -5"I0P5,
M75@K+A %\R,2$L6N"K<OA0&0.G1ALIXM?^_)3I]H%'=NH+;S)$9K!LIDR^SO
M *1;M(HNSN,P3VH7K.)9A@:\TKUJ$)(HND'8,V2>[IFBG#S^0W1UW6E\./VR
M./ /,+Q=Z*E%9"E*%1KD3,)HMC;!4N++3):BJ#(9BBJ6<%H@XLD@;6E6?;!/
M3K3G>1<W]T6NS>,)KM\,<'AT_@%02P,$%     @ (EF!5&60>9(9 0  SP,
M !,   !;0V]N=&5N=%]4>7!E<UTN>&ULK9--3L,P$(6O$F5;)2XL6*"F&V +
M77 !8T\:J_Z39UK2VS-.VDJ@$A6%3:QXWKS/GI>LWH\1L.B=]=B4'5%\% )5
M!TYB'2)XKK0A.4G\FK8B2K636Q#WR^6#4,$3>*HH>Y3KU3.T<F^I>.EY&TWP
M39G 8ED\C<+,:DH9HS5*$M?%P>L?E.I$J+EST&!G(BY84(JKA%SY'7#J>SM
M2D9#L9&)7J5CE>BM0#I:P'K:XLH90]L:!3JHO>.6&F,"J;$#(&?KT70Q32:>
M,(S/N]G\P68*R,I-"A$YL01_QYTCR=U59"-(9*:O>"&R]>S[04Y;@[Z1S>/]
M#&DWY(%B6.;/^'O&%_\;SO$1PNZ_/[&\UDX:?^:+X3]>?P%02P$"% ,4
M"  B68%4!T%-8H$   "Q    $               @ $     9&]C4')O<',O
M87!P+GAM;%!+ 0(4 Q0    ( ")9@50& 1Z"[@   "L"   1
M  "  :\   !D;V-0<F]P<R]C;W)E+GAM;%!+ 0(4 Q0    ( ")9@5297)PC
M$ 8  )PG   3              "  <P!  !X;"]T:&5M92]T:&5M93$N>&UL
M4$L! A0#%     @ (EF!5#(].YR)!   FA$  !@              ("!#0@
M 'AL+W=O<FMS:&5E=',O<VAE970Q+GAM;%!+ 0(4 Q0    ( ")9@52?H!OP
ML0(  .(,   -              "  <P,  !X;"]S='EL97,N>&UL4$L! A0#
M%     @ (EF!5)>*NQS     $P(   L              ( !J \  %]R96QS
M+RYR96QS4$L! A0#%     @ (EF!5#JJHN=  0  / (   \
M ( !D1   'AL+W=O<FMB;V]K+GAM;%!+ 0(4 Q0    ( ")9@50D'INBK0
M /@!   :              "  ?X1  !X;"]?<F5L<R]W;W)K8F]O:RYX;6PN
M<F5L<U!+ 0(4 Q0    ( ")9@51ED'F2&0$  ,\#   3              "
M >,2  !;0V]N=&5N=%]4>7!E<UTN>&UL4$L%!@     )  D /@(  "T4
!  $!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.22.1</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>24</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="gnty-20220401.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>100000 - Document - Document And Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation</Role>
      <ShortName>Document And Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="gnty-20220401.htm">gnty-20220401.htm</File>
    <File>gnty-20220401.xsd</File>
    <File>gnty-20220401_lab.xml</File>
    <File>gnty-20220401_pre.xml</File>
    <File>gnty-ex10_1.htm</File>
    <File>gnty-ex10_2.htm</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="24">http://xbrl.sec.gov/dei/2021q4</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>14
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "gnty-20220401.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "gnty-20220401.htm"
     ]
    },
    "labelLink": {
     "local": [
      "gnty-20220401_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "gnty-20220401_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "gnty-20220401.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-2021-01-31.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-roles-2021-01-31.xsd",
      "https://xbrl.fasb.org/srt/2021/elts/srt-types-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-gaap-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-roles-2021-01-31.xsd",
      "https://xbrl.fasb.org/us-gaap/2021/elts/us-types-2021-01-31.xsd",
      "https://xbrl.sec.gov/country/2021/country-2021.xsd",
      "https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd"
     ]
    }
   },
   "elementCount": 25,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2021q4": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 24,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "gnty",
   "nsuri": "http://www.gnty.com/20220401",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "span",
       "p",
       "body",
       "html"
      ],
      "baseRef": "gnty-20220401.htm",
      "contextRef": "C_9a477792-5946-49a6-af1b-728c505c80d6",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "100000 - Document - Document And Entity Information",
     "role": "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation",
     "shortName": "Document And Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "span",
       "p",
       "body",
       "html"
      ],
      "baseRef": "gnty-20220401.htm",
      "contextRef": "C_9a477792-5946-49a6-af1b-728c505c80d6",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityExTransitionPeriod": {
     "auth_ref": [
      "r7"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if an emerging growth company has elected not to use the extended transition period for complying with any new or revised financial accounting standards.",
        "label": "Entity Ex Transition Period"
       }
      }
     },
     "localname": "EntityExTransitionPeriod",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2021q4",
     "presentation": [
      "http://www.gnty.com/20220401/taxonomy/role/Role_DocumentDocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  },
  "r7": {
   "Name": "Securities Act",
   "Number": "7A",
   "Publisher": "SEC",
   "Section": "B",
   "Subsection": "2"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>15
<FILENAME>0000950170-22-005271-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0000950170-22-005271-xbrl.zip
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MD2-_BJC<= /M^ ZC1BX/EKVQ(R;,$%2=@T2?BSD@J/AE/A3KDF.Q2X9DB/$
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MER0C8:I%\G_I5D-55?$_VA5$)2?+7$4&<VXV9&WF=;S)V[@(FPQCJ"4!X0_
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M*()5Y>6&D5\<Z>3X5F6Y#F5LCQ*<T/(Z7CMWX3HV?!<%N!-Q!PFLHX#]KZ*
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M07-5-GL@#(N9KDW693^G"?I@'7P,)S& @AJFH-]2'I9'D'GL!'NE,I-V)I\
MI0P6>(/Q1I[-D<ZF0;UW&A8[F!1HC?] NDK@#2=Z%H@_0#3E I,'B2YSPFT
M0F1M$KX&D>L)X;$2PCJEJTMD4<6Y#;V)=6S4+,<]<<ERH8XJ47D_-"*=T+V^
M-NX1DT$Q9#T!_6"G:LC<LBR1:"-%U"EA1^[:\@J7XHU0(3L'^[O5X<;(E%)3
M2G).T@0FG5!O9_P[*M_8*5$C@@<IH]U_/^*6'D+)<!*L]M"J7^G:?QR+?)[6
MAZ8 LQ1/GX$-EV""B<JF8N<RS-,A2"+NS_MT%R%*#G\*UMY\N-^XM3?+=&QO
M/.0;]X[NN%6*P^>?>2[?_NS.FY\]O?/)S_A6>#*W;EA__R^?>3B/</33,2VO
M<Z*"6NLQK3:>,7B2)B/T@9/A<97I6SR^EZ.1(MEQKG+,XL!]!): $"(S<F!7
MGF]&PV)WM1RF12Z:>[E/'<;$SG"9(FG>8N>7'T"2SQY(DO73?41G\^G]"+*Y
M%/;6^Y-D_;G/2T;P&:)Z^IFG/R\9@B>K+I)5@[EW3S/S]<3MJ2=NU<'XT62[
M12J[T9&66;MQPROLF'JO>^!RU%0<I#-G@%%:%R6>C?0(<[Z.;"X6I:VQY*+X
M7BVVR!8O0PE*!HAQOL[;E"NL47:4*#(J5B6PMA13^4=*EC_\%>D,?D)H"<3B
M)@]PROWLLC2.,3..KX@7',!W?P6^!\@F#LNQ7\;-]!!&M1!3&UV>9,DC@$:.
MB>@6X@_R?]YQ4??TC!^]Z-LB3@8R&9/AA94)'Q SJ(U'O"E6 F$1Q2B0AEG]
M&2$'V%Q_FW!" B:P%3Z4^ A,OTSV#\0\+>((D6>Y3H%#<P0B.$ECK/-U505"
M<8XDH8H,94Q5 V:B5%[5U0=B NP!K-B 8_&,?VO'Y32P+)T>$XHAY;:PE0KO
M4<+@9EPY7$(7$IRA3V#9!(/<R<%N, 4H"+S.!.B@)$)*H8Z"4215-KYM[+"%
MF!RG:337<=QHP%YNHREWGUI*C\F=&G#E3*8P^]VF]>&1(/SBD>O#&TZP! 9,
MOA#AB'7$W?0X.S?-W"&XM:DCMS(N$+T8G^'.%9:=,>CE3.9<&Y=G,E*8J>\^
MBT1.E2V:"]/9(L,EM'\3,F:59F6?7<%L<80<<2AB?# !3TC*,7&<@V_Q(N3Q
MBI!/Z^'6VK' JW@/5%5&L6,@1EM/BOE/014?!KK,QI@!OX).@_3)TH?^U%-L
M>LD8YPD!UQBK<'G\!D\<0!PI"O-K;3Z*UQ(/BJNTZ&XMR6K5Y9TO22#DIOZ+
MK3S9H5).K-#D'$.\*N2$1_S2IDNZ1BCB^N3)-2;]@OD";SH5AX<!N@'(JK\^
MN;QX\73_:-<3V:,E,LMFNT).)110L 0$-%(1@L &E%,(!R? $$^F\Q0'"VI@
MXW51E18993:-44],4)X!Y44*C2/&4\!G:&,H1VJ(8*OPGP(TX@)DX%@EH?5N
MN408@B#RQ(13?5#;\J>=:EO.N;M5\W**7]DR_59J<WNB%\?<PIR[K9.C5C8;
MFE>56F"Z@-W.@,I+:'M@VX$!1VX# AV("^RSB"Z"TC1K]$OGWC+S%,&*'<NT
M"?<E==>_UTGU/3Z@_AOM4N-7'A>>:S2\+\P)5<H,+4?L=4"97>GRV]%O:[ZG
MO.7Y)(VYQB9)*4BYY"JIT!A6D8/$^^4..R7<('M77,MXBFE:"4RS48B7AD75
MG(>S/#7>O1H**J\PSK"1\^Q:U/,Z5NV!$,4USXJO1&_8_P$(NUADKK)V<:O>
M]>#LY+POSLX\F]\0/V7\SC*O%.GCQ/4C,-@P+E2XF'Z]'W10$>"L4V)U8!-L
MVRE!;XKA'P3MD=:D''L%RZ.ZII='^UYFG170XNH_:BE'> M3[$DGZU#$:-16
M6(D2D5:<JM*^=^F<ZU\[0(!F/7)W BN##_V+P>_BS=EO??'N[/S\[/)"]"Y.
MQ<7ESP?[^^+T\OR\=WTC=O[^M,Q WMO?WVW?RV&@NMGR$6,=KLNYRQ*AJ BZ
M5$TCUA+^68#*2MJFA?BR1:PN7":+,=FNW")@4"MSN)O8. #2OI7J')$M]2*D
M\!+RKR%-&OT6,[D(+,[Z$_X6>*)$GT,-[7$EF,HA-+V" T^RBWR.CIIKZ4'+
MXU+0C:-E['2)UG*#)OUX]\>#];1NN3\&]G2TD9Z8?U60%MT15JWF4L"0@ U5
M)7"E'++H0#:*MP+NLU-ORH!GQKEO=ALMCMOWSIW;(0L!6O?4$>1^=PB@O39(
M\#E5N"G\@"8D.1XK()'<YI_ 8+@YI*@UNLPY:<N\JWT+T#E:8.Z$#*NV877<
MI#5^T,JFKZ$M!=5O4YFS=XJ::@T5-XR^8R.]!O10#>BP4QI0Z:IT>?+M=5OU
M:FA@)6*++2   L%8 <-0#U4-ZATD"!<<+I?&5Y*_["<-U]J(@ZQB/"=E)W@G
M\6$J)6U]N:Z>2_A<.FB"U6)N0$]=#Z:N9YVBKG6^?RH8Y%/33CKKJMG17JVK
M=/FN6AVFZ8NO>>!GU8%!_T?[WJMC>U!S3Y4P7+88C=%9N<_HPG%VV##;=MSM
M&G<B&:78LQ!_*N%72*O&S 'B]03^RLGCU'=<8G'9HCN>_/;NX:LE>1GIV_42
M\\7A+W6)N7\?86DE'N(08 ;]JU&L/L'2R"Q?*ROM=YD=8/_YT4_'4_ABKJ-\
MXH1VNP5J(R?B.-)F%LO%*YW0TN#KWV>0SRW;\G+\[9\[LHQ)U#:O^>BNQ/K;
M[3BT3F_OF=K@PI;L!\ZN_=>SH4ZRH>'VL*%K9=*X:"U.^![8NRZHFU53+4L(
M,!,9_S@MJ_ [8W"TF5<1\A+7Z5G,GQOL2YLC/@)FF6+'Z :&IFN77>V0+/))
MFL%S;-$BBA*ZU#I7V!MC.^Z0OFN?U,!Z6-L]@7SZE'K<[%6([;YMN2RF?6(I
M9./,4$F5P:1V/$Y._PXZA&G47N7:&DC6-A+2G:#0]F]',/#ID H%/G^VZMO/
M5RX<,B55H.(UA$F5CF!TK#9U!XT\<%9G><BQ@0.0CA7]0%YNRB6&7P27X1:V
MJ)H.O7VH\<)\:X1YN#W"W";6TW'%#I$E)7U7K^?#M.%6,;&3=*:KYNMW+J=7
M,C86JE]>YUX%QHU_$CA])3 P'TPA#K>R&<<9JGUKY4C[WKB3^Q-*,]&</8%[
M@7EX*!]S$/+QXBXIV/Y(E(<8_"'KY-6CSJE'T?:H1Z\7L9RWU,V!3E>>GQ=>
M&Q->7GOHHO;@A43GA(3:'B'QMD3 $">5"ZNE4J,^0R2RMVD:B9NRB@4HL/])
MFQP3TY<PW.4,D^!@H%S50#^XIY&V;9N[XQ=M/2-T>$<,UR )0:],#F&$=S1^
M<5-N$4>"(,/J 0X^EC; @;^\89@7<<V-MFW/.1H ][Y]*]&U?:N@J2SV!_DD
M"!V#\*<1X1-7.DRG,T3'V$&L1?(1DRO9A1?L;6&H9GFW:G);'&Q 1[\MN/%<
M:L.G'>L;"W/W0=_U>MO6Z&VC[=';WG!)-TC$&RS0;6TWOCW/K#:C4B'<8QU_
MOIZB2P'B1A5'^UZC8R*75)M1262F)#*J_JJ6?J@4HGG]62C3J=3!]BZ]SP__
M3D?<8L@:A+X#(8CN0$0"\>K.MJ@[XRU2=U1;?5+MFU7GU)NJ;ENZLGHLJ8\Q
M;2T%HL=FNP1CI+P[82/=&&,T>&')$<&?4A6IH-?K+AN1J<"<$XOR6J((<$%<
M!<Z%/V#GREA/=6YSBKOCV&GO^M><F* ^9(E:5-_@8??*S=8H-Y/M46YZ453B
MB<N9RKRFL]V:#CD.O+MFX^Z:9B3*8/H%@OU0Q;GKU !_S(C& I'.=(*5,@YE
M$2'DJ<>1]^]\6__.<CC+AF"P/4<VEHG^[[+SK2UVR7V2TF;(),T:BX\A7(;[
M >.+$B)LM+V&_,,]#)Q+SCOAOI%K'YL\&!4_*,5\W[=FD,W6#+XWP^8*I6?<
MA-/B?^$Y_2"S3":8+^67^8%T/DBQ%WH1>A-_(\DPR(,0UG&UFP\<TV*&KA>J
MT&[?"W1LL2?4=##67&-.ZVY13M<N/;8<*J93F;L:YAP8AI$A\Q +%Q@I$V9Z
MB*#E[7OGSJET9;=DYM%SYM'&*V>;8#43F2_#:#U.67=_9>RP:^V'+ALVY_<S
M,[]^[FW@59O8@786Q[=O4FW8[X=%PPSE_E=  E$1+YR3!^7_+;Q%!%\I+-L
MG2&P>-UBC)4=97\2.D^D3[B*0:I@RRW8RD!]DN;8;]A&-HRVJ *9"01V!.6"
M0MX&= ?5VH-2^W90-A",M0AS<F8,"P/$C[WBCWV_H,TIXJ,"TR1PB@$V<9*A
MSK%%4.DCQ:6.U5C&53LAMRM(+]6N((6Q@:1S$:4*D;;G3'M8)I4:S+,(0-T?
MR['R6_ACM]!!/.%/-FC$-5:I@Q.C/],A%T9QOPK7E7A=:\(O@4-51X/X-[;!
M7; 7& ;CWZK0R!*[X'HO*LNRO6'@MD2%<.RPU+AJ6<8VH2T$Q[(+>A:EV5(9
MQG%90[:&*=%3-L"7RD=\9^HR*^3UM3/9\"'Y[!GYSD?$VU\/M;^ZU5;L7.<V
MUM1&KKTG+E)[$@-A"CCQ*;4#Q_YX]=9Y&*P<C3#ORU>C;BA2B56F9<7+ CG-
M1V"DB<6UF"FR#0(;TT1FA3_'*AHK'RW>D/LK4\"($[0"L,U+@MRYR/):&P#\
MKJJGQWY+8P*]A"LB1![-6>4@D0"#C(2,X&*CJ&T]]EW2-#H,&Q-Z:1%SER8J
MO8G%'T4TYKAT)F(MASJVN0 2&S,IG*AKR96D.0E.G"/GU8!H =(L,JP>H6-2
MM;^I/0E>H!J*)R?"B4S@%-G63DZRTQCVN[+U1% K$L($!I27<VWP@?X,;@@I
M",\9_"])&TU+W=DP)0]NWPMT;;E7V:Y7OQZL?G6KI]E).@6;B2KL/F"Z^B5I
M_&=5PEP;SRFP!2_RO\&Z!F)'[S;ZKT5J)*VH)*.Q!F".8K@N/:LV6 ')8!"+
M.<G,4ECBIURBR'>B5Y869VE4MF]=NK:+-:.\-,8-*4ADC\\EMG/"K8:]3I0F
M@F_?>W1NU9.U-@L<]))"'#%179#%AL.#CW>=R[FCJ$&FAP6HO^PS@FUBFKQ7
M5P$;&ZFU-&TZ_\H6[Y_U\'0FS;G5!V*NT;,%9'>KT]BUO&RZW=S.UQR7G4G<
M://:^VJ531;3O5X\X<!K=C=(?.!L!]M^/ ,&-R[B,JUBU5-0^K-+T=^=$L@V
M[QM*'=<ILV1!H'F-8.I6]M#N5,Z64D ADC>U_>"=7)(E386-G"'.2O#JV[=1
MW[B)CU_9S:WL$!_OS!*3ZYS"9J5J1K8/F=!!DTK(ZX?^4,?/1*P56CH3F8W9
MOZBHZ4]6-XZXH0ZG)%N2:M_"=&T;*\%D.YM3$Q.0/L:HW'B/U8,]5MWJ$WZ1
MBE.FUG8F#L+\^K>VF,Y.E)MLC6P:O=6AQ&]G9)BGH07@H-PW0TX2G10Z&?NC
M_."C?-2IHUQU>^S9_(@6!\+;-ZON"JXUG3R1%2RGRC2\/O7DGL5F<G;*>U9=
M2#JK=2^P-@!>G5#:DZD5"YL\#3\B:J[R_4@W&X;CG;R"=87=YUW+%((1:*/9
MG90IV%BTQ$9W_,@>/R.GB@Y8E9"5#MD3CQ'6E6-$F5SKCA'&82EI.Q!#;1,P
M\ :5P/$)%3FPJCB /PX;0Y62(4)9$'TZ5*DU%-H]A>'NA?HR,_6=R?[R.K7_
M8/QP3?)YIS3)4VW".#5%IMK(P?;@.'"<<4EG21J2KNI176NG'#1E$(&6.#1F
M,2JR1)N)1U':B)P9DL,1=(VAFLAXY*7W-\"$1+6,)'@]G]7F11 I% FU;*O.
M>#/=$<%W8)<"G_3Z378K$.E4L[W$Q2C+2U]5*NC$QKK@VJG\6&%96:#X*MG%
M A]88XL^8TQFJDVL9.0=/7]%/+_HE'A>:5]%]O]U&2%M:99=^V;5-7[":72Y
M+?;""C"=A'H&!O:"(^9@(R?$NY'KZ"F"$$JTPM&JH]YTP7(>.EX,IY'K'S F
M%>F\;& W*S*JWX1KX&,(-C]>A-$NF64+_,STSEX;L8.BR(X_53*ABT>U@RG>
M!F(0B/<TV7\YE\_]^[3=+ SPPUWG.D*OD[O45M&4MY*:1P'KH1*%89W.OH0J
M7\'F'-;>P8+:T8JXY4"O"+):\X"%61E8?<(N9K1%+JV?&B6 GLV._'FF&>G&
MZYZ;LQ#:-[O.\1QG56$Q#K,2/.K<[L.J]N@,S$%I(9A-(CK\B^^RX.5<+4,5
MIJ$$>O0[L\$ 0.757W7D SMQ&8.X'\T\JK_"?BV+K*<AWB#N)_<^[87$D@]>
M'AX*RRQKO_8_V6JHZK)G!)(KI\A,(J^Z/EAU_:53JNL-R4*4W_RI/*<MU5F]
M'/F6&>TH-Z@0-):LB;*J5(M9IM;/)]'M,9VF5IO:$V^*#'_RJ'\;PQ+QOL_-
MK6B8SC2G-6/P<U@LGAB%B"(EMPOL40<#0TUG')"O_7B;LBF0@="I_; 43EWZ
M 5U$&>A;6"9RF\:W#C;3&C;>H;<9A.V?,3G3)C:O]-'TF<O?&+5A*=>DK.;&
MZ,^\F51.:9SK\\W]1GVWC>)5EG&.PEI/9U+#?QG=A&X<9NG8V1&$0-2A/(\6
M2R!K>UWZ])D-+ZR#CVP8V8W <R/"["W:!UNT+SMET7:G=_J H69,&NM(8O^A
MM1VI/9?82."75U@:SML/U70(G.'P(!!/]P^..,W1FUP;7?$Y*H,P#J@=%A)B
M*<O1NCZQV1#^5"1D8]D86LQ5/V][O2MR2&(^:DA[2.56U!*LHI+ MA-O?"E&
MH-O$"V$A]-FOB="$\ A*/<KO)L 2U<*46=1<+48'".N2O!#?I!F'"VFIT(7T
MTJSN%1]I$\*^+)3$4KR(8QZ\A1$A16?T7\-&2#IRV%)T"I-T%09,W3J3Q&&/
M43@VHI1]KG_ESP@"]@E=7YDMWAG38?(;O[&-7[.+Z'M$:EXK$O&8E-E5[7NM
MKFU"X&Q":[AG:A3#N5=5/E,%C4?H(K;Z8 _#1QA#)Y*M]X)APHDQNA438\52
M!4SMY$*Y4#*27P(;.N,+AHN@2A.H520@[UWN,I.GA$[H@_7?ZCBP'Z?"^%W'
M/CEN:-RYJ-4JK!6BGEMNT-NYXN4<9>D4M@$S8,P$^:)./L,^ARJ?X[;2%4VV
MZW0=^M8*4F\P/]!@/MCOE,$\D)]42RWD7AR+$2<]!'R" Q0V,%3"RB([>. -
M@ 'E8+YY1K,Q1L,QE9H/F:H/;4OK(;+Y&).?2R%!?P=E1.RSVT9'CO0-9E>L
MLR>D#<Y1C%?#SJ2.?*KJ!K;4]BK(27-V 1B+LRUD$6EK]-PJXR#;/3%M4FHO
MA63(!8+?Y?(3;X%%S/("]\$"MUL]Z08Z9R3 'D':M/',>HZ[B9#?'+V'W#8%
M579&,,*,_S NHI5LD"5Y"R(S4R74%,)1D0<JEGKJPEO<( :+^CAC);4POC8-
MGYC+1&>$(8H@ TL9]U7>NPQ)M+-%P--TSZ#!2I]:^]:Y<Z?"3*1%[1MG5 NR
MNKM)[;@0@JS;1@[@@^!(B]Q666C,\ :QD:ND#MW1OE?OEA/$"^$'"^%N-29Z
MS]5"Y&^\LK5*K3R(9 3'.,VJI"H3(YA0/4FT,YC.[27Y[OB.6RW?0,,PA>1"
MEZ6L'!9]KOX/HP9CE5!%2]47SE;RW0_L!J;QW=EO" ]66;NX;^]Z<'9RWA=G
MOWFQM2'YT!N--)QZBFB<V'X7QJ_N [G!AXF.565'V%!O/0DR4U/L[R2*!#U]
MY!TLDI@*H4OSA'M:U,-\7MQ]]=:\6CK,D;Y=?YQ?'/Y2/\[[]SG)]C@^H1@O
MC#**U2=8&C@#:P^R_2ZS ^P_/_KI> I?S'643QQ%M5L%;HBEXTB;62P7KW1"
M2X.O?Y]!/K=LR\OQMW\^V]L_<)M8V[WFLSO#;SD#S 3B6F'J#\<B7;\J@J_T
MX*E;K#:R;HBR &%U.$S$A>G+<2@"Y"DO$]0R$"NFC:V&'M6S";\V[;!JW1+X
M3NF;W&EKNG;'Z&JO).?\R#2.*79:R760"?;?)?ENQ6VL1GE#N%KQ]6+OZ=,C
M+_);)/)?[!T\.WQZ^/+%RQ=/?WGV\B5*_QVYNS7"_W\7\+X*<[5;+^I[1IB4
M4Q7DK=0QBX9AD5.6'.8E4G$\O$6^>#)"ZW'GV=&NB.0";D"H6H;]3J(RY%,F
M.&<FIZ[,2OS)Z^&S63:,RU)+(N=FF!(KP\M>2.MQW-[ H\3O3UZ>7Y$&X/X\
M(0=6^]ZW:[MSS*TJ)6:;C'2HLFJ[:CBQPJB<]#0D+.XEIBM6T<A-4L ]AS'J
M%O.)\F AFTL(6TD[I=H* D MNPP[^/)&%K#UGM$@)" ,;J?=RJIEBA%GO]$U
MO]G44Q$5F0N3SU2FTZAL_\Z)JA(6")0#[DC'GPSGCF7J5JNY<I4[L;HEES05
MGU/*\@HJ/MTVE1%W>R+3PZ6ZX;=EG2DBLYL"IL.-'M$$X8>5'=7J^>KPW6N9
M?'09NIC4!FJ/0^+#+^HV2/,=AXNEE6SD\.(-ME^$R]3GQ4]KY13\B,\25K62
M&/RWK^):RE8Y]NC#6VY\0RM59H8S !7E(50DMZ2$MM]CZB'K?\@Z?=XZ::TI
M\D,U[X<P<-O[T59K1 4V\D EI][.KFKKW>@#6?:T706S.^;VQ<0Y.!6[+I2!
MA[1/EG7,M&=G"6R>21/0:C@+&S2</6_E/PXK?[@]5GXO20K0$[;%Q$=DYPE,
MD]2O.>SJ0NP</-W_K*U?KV+VMOV&K$<R'HOD3SA<W(4QG>D$!= 08:FPCEMA
MG0.*,ZOX(E1W 39BZ+1O- Z,LE6OG0DNMWEC7%&QVPL69-QU@<T-#/=_&?ZD
M5@GT&2@)C-<L63+5SE9VCRUS^5QM>=E'C8R^-8^R*4LQ18_4C%!%<%BTQUPL
MRM3F@J^Y]DD6EL*A5-P'C,+SC,T<3=P=,LO78'NPA5\A?#C_U/T]A<^%E70<
MR?:;MJ%-,[;FL/0Q/10I^YCVV]LLW]AFF<J%MU@>K\42;H_%PNE']82DCAHO
M3?QC9GN5?E%5TM<1M3)^;;PY0WB/%$]4"(,E::Y#"Q91YYU>SFU$SBWG.\%.
M(D<=*L=)L<Q>4XAY:F'/AJAXAJK.=0WLB<&>9BFG3+7O7;LEU1BNL7TSZ]KY
MMH:@C+J22]?>(XEDC3%96-%,<8MVS(R,T1*-M<FM!4[]?R1FAPGNG96I4&%B
M2B44FAR>%>RED<T]]#>?-]YF9:V>-_YT:U2T_B<XZ7AJVTBA/C/\6Z6>--/%
MK=.F!D*GW+$@1;BL+R03W_7L8%2&6:9O=:S&"/XYRD"-FFB#G^OM/ZQK.905
M(JR%QB<?'P$GEIUC$4Q-&9VAYNT"KFD6@;:=88RUR+CRV#5\//9YY9M4+&HU
M W?T RD/#:X[.6'10[1R@L9I&K%#%^4IH_7 ^(-,#XM$QEX>;I,\/-P:>7C9
M2.L88,);&ZG52\:-<3P,@,[DPN'!< -BZYS)%7"TW $#$7COFI 6M43'DU(Z
MR'=M>I *,"D1/0VV(@LS/2UVF;I563UI"$=P?:]LN,K"!ZM/R&8-8VAKS!7%
MCTVPHO8M<.>. R>KVHV+RIUST.5VW7'OO.S:(MGU;&MDUTF51_X!.4RO++X4
MYW+NY=BV,JYU:+,LVU!8D9UG<\RM?FX:@H@#^%0 4K;,(1]C\_BX-%>GP7LF
MN$5,\&AKF.!9PB9H6P.,[[']#N,.EN$F96."[%O)72X3:(9:64LD]]&33?5F
M\.OX+44.:,U3G=?J$9T/[Z06),DI?0P=0Z>8E)A//>SFQFP8+#;) U>)YEI>
M,%?DKH[.<8M)>MBUB=D.PZ5*OJ;&FG(]M55N*5BB\+Q$<1?H-/UH:G A^$BT
MB^NI#WQ]S>W+:1(SB8BZ8L<4PS]P5HC16BD;P/E&&@\)O)/.%PW=9#=@%^3'
M,OQ&E7M4'F@9)UC+*F$?<?NVJ&N$'KB=QTK&PA@NN1QASBWZ^RD%QAT@BT#D
M%_Z;<5BGKB_%:D"53Q?*;H/ENDS)F#+.9:D-<G84#Q<C[G$]0V8Y[5!%7L_?
M(CW_^=;H^2?40*N-I.M]&AOSS8..,IUA(SRTCT9=J2MJL7X(LID*OA 36Y=]
M:KA]/:KC[9MTYT[NFE8UE$>F&1)BI^SX5XKD/XIHW"T+J,T; *<[ MU%YBI>
MU+% P 0J,G*.H_+#>P(::VRA2^2:%K=$%B[2MK:>+%OJ9>S="QO%-%I8@Q&V
M!LN!O]&FM6\)NK9AJTS/6PU;9#6\V!JKX4HNG*1M<=_.]LVJ<PSI,UFOF.Q#
M"K"<CXK8-M/4TQGA=!4SEAS4),S]H=&!&J939?%\1IH;?-'OUJ7*EUFG*CI3
M1HQTH8214U7U[D#,L>3/ M%_&!HHPER3"2PDR*^ $V(3I3WPWF;.0;*JCI=;
M44<]I$,!9P;]G!.0$]QU@9QG?$#0;#*IB%/L-<E^T%M8@ @]U+:_6S4R<59T
MGF'P@S)A1Q)]=XBH,<,S M/#9BW<D0@,+^SY#C('3@4HK=0"QH+TT0QB378"
M]R^S2! JAVG X7'MSM@=[U1?8?-RC</L9O>_[3S/(U?$T'Q3>W170P6UI3/
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MXXYDD8J!$678-+&0L7,2P,9P:'&6(A"#*6L7%O7 75#?0W0?I"%_5@1+1"=
M)M'/=#IFF%^6Y/R=BV.*$\28SBE>Z'?Z6^TTK/^.OMT5U+2*E5+,O7/QW\H5
MY-=^TYQ_EJ43/>3N1>2KP3A\%=!+Y[+$9UL0^PULT7^PRH2KZF?82:"T(??G
MMG!OI=F#DL4W4/N:!FIGOLW7IL!+&$K0]YSJN/7U?)MZ3A'0I:DA7;:SG4H?
MD]:MFC1*45:01DT.L"&F=8'P1GV[A.1<!O!TD)R^/'O[*'-;RK/?2!T7F>I.
M9\=6^QDP5512J'G&;=1JG3?1L)O.TJ2&_U1KPXF>>;#],9,2#3F&FD7$8(55
M;8'G((^#@W2P^KP')[ST+I2VE0WJ(,Y)9(\TB4OZTS.;#7;M9H.4DT@<N P5
M!9Y:;Y"Q^2G+WB/\MFJQ7OD'2Y?AJ,@2;29<S8<W8QN*[D3*6NR5&)*,@/T:
M*E G1]T);;>:($K5?"1CQ*J;:A,K25GRZ#N'F2<J+4R%P&2K-ISC6Y8XMI1V
MA:PJ:/ M))B*)I(('N2UIXUJ3UCMS[4E+N\*E**=@_U=X3"MQ2EF7S&\>[E5
ML&TN6\0FU2,K4QB5,6*LP2[KSA:UF&UUAO6W^9A[??X1Z?,=Q%UQ'@$@]G1(
MB!1!:<U:(];FA]7CB&$*3%:2L@F<><HZ9QGA,M3O1L+;VOK&>OEC4Y%MJ*Y>
MR'HAZX5L"^;5M6/NA>PC$K(=Q(+R;O=OX EK=F6H 39@.EMI[>,Y'>8J(CDG
MS7HT _1@LFS$(>1L!JM Z,WC#*:,^I!.([%3R]1I##M4E&9%*5PQI:3GRN2L
M_(S3E'0:TI\BRD.WJ+:1^K- 06N!P(R82(0#0R@NN!L>SXX'S8WELHBR3T@1
M&ZL$4[AB!+O%S$-T3W#O.9S'+--)J&>Q,KN>+SXBOM@Y\*TM8#SL@Z2<7 EL
M(F?8:4)NE\G'K)CEX2(H:SM=(AKRF,3,*3M7?42:!;TZ&\M$_S==%,#?%% 9
M6\ 8^#/"@^% GY##(?^A-ANCAD&5J5BKD06>6>)F]3GIA$I/$_R,*<@:7E52
M7BI5H\IYL-I?D1#J77-%&CND=[+U15RY$U@$&/+#<K$L%=\J0PFJKEZ6NBJ6
M*\:]&!&.$*XYIGQK[B^6ZH3?>KBH*L.J$6V[51@2$Z*5II:L.<)U*%6AHW@<
M9(^#_/4XR*V5?QUA]W_[I^.#H)20;PE>(04^R@S35>8WZ_)M:R%D>%51OF4/
M4_F1F0RE5U,Q!P<R[>]#4)-&FNX/,^ L\%Q3\A:=,-)5J3Q6/)6U1(H8@=+.
M=[A.LJ"(S3 /3CG>A\G=97EDS4-6@C1Y'>P1Z6"CKNE@8)L"%914I)/;- 8[
M G6;4CC+L<3"$V^Z?A,-\J]H@%E3I=RP0EA+#GFH5KAG>6MUBNHZ')ZQ=7I:
M)1>:8@&OO[]40/.:M,K&(2ZU2AJF-IE,3?%8P\+<2LR/B0)<(VVFVA@PJ.'J
M @Z]7"@VVJ7S L!S$R!C1 =Y:=%!*J%2 U^0Y#ZG3WDNPPGO(Y?TT0X;L/_!
MT,]*N\"M-LT9O166[JJDPN8K\QNC+Z-ZEV$*^^Q>)9P 0[>E]_5W6WZ?9;03
M+[(>D<@:=U%D)< %_BBB<4/?JZ$BVY81+D,HH_@/NLF\*/MVHLQU"B>6Q&O/
MC*G!C;[(?4149(1U2V[2DF$VT4O4:*2<OY6YM&=:CXAI3;K'M'J)4%PQ%(9%
M9NSQGH"Q*:MHA8Q ,S+N>+M:TRIM%U8J8DA)!LZIH1:TCTETGZ5YGO*(>(KN
M($\1(%3!1L0@(;YPEL9K>M;O (\APZAF8V#6%B;R%*;"H']3LIDST)%TS@"U
MXEJ-L<M/:B7\F<,HN48OV(E]:B_,=ZV$)OYF_?[.16:G2;-P$RVU,T0+0T<^
M&"IWP\I[6+C-\;F=)BP<(J##-G!.EPV%(Q@<GHOVS;];:UWUSC)IK!#Q-<P4
M4H6/S3\FV?)']V3+X-Y9N[4:>5O'FA2(&@G"XC;5D7..W<+AB##@@M4Y"5B!
MH2I#,#:SM"827 H-.@3Q6Y6,N3%D^ZB\^WHN?M.^F79N7?GX H_!$RVQMQ#;
M=XC15F1$.:[!#CO9RX+PFGO>Q@^;-9U>6#PB8?&Q>\+B&H,ZLWP5$98C(;:
M8*6EZ:EM.P7V1L'H6B<VON[B6K1V:$&@P4(=&JEBN: H/04L#7<,ELE'3R2/
MB$CB[A')@%QY%&U?3R>)B\V6680V>#LK,@PL$B$8Q5;UP>%.2&UZX8,N^_7>
M35E@H0=$-%/%(<*:-\ ^AN@3YS7(]+!(8-*>HAX/14VWC*+6D)/#AH?/0R69
M+ORA?\R'/NG>H<= $IO/7#/+X@#/?WF$T;-;>E7+H#?*A_;939VS\E:MYZI!
M:["F0RLFIX=*&F[]&"FC#;I3T-ZC9E%3T'>3J)BB""<ST#7[W/7M%#K.<NJ
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MW1L\/'5['W&PYVEP9,Q_O.OAC;EX0$<3(PH<F=:Z$;0:YQ.FO@\.]MZ^!2+
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M('C])_S4IRWE-@[OXB/Q O,-?OCSP9OC(6[7(DF!OGM)J0AVQ9Z#UVD&7Q(
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M"S3-TJ&E*SC89Y>+@_F6.)@O[F3?5!B,U,DF^KY@B3:WQ@^-;:A<2\PCWY9
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M?&OQY2)E+4%G))F,AMQ.HPBD#ZV\E@W7U,.@JY&G"_KX!8H=!=2NND$YU:S
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M 8+MLX&LUG0LD)V:E/I":1@M6;4@<W:NYE%M$#JEKN+P"C_AZA'0>!*,58;
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M?S9"O&96MOL*<=@V"F$;]"[ 2 =%6P7XW@\"BCN5&4HG_!)$ >XUYO41_QN
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M,2YH=&U02P$"% ,4    "  B68%4I;\UC!<#  "W"0  $0
M@ 'J%0  9VYT>2TR,#(R,#0P,2YX<V102P$"% ,4    "  B68%4GK7PZ$H&
M   ?.0  %0              @ $P&0  9VYT>2TR,#(R,#0P,5]L86(N>&UL
M4$L! A0#%     @ (EF!5"S9>"FU!   T2P  !4              ( !K1\
M &=N='DM,C R,C T,#%?<')E+GAM;%!+ 0(4 Q0    ( ")9@50&P5L2WJX
M  4/"  /              "  94D  !G;G1Y+65X,3!?,2YH=&U02P$"% ,4
M    "  B68%45C+KII,8  !SKP  #P              @ &@TP  9VYT>2UE
?>#$P7S(N:'1M4$L%!@     &  8 ?@$  &#L      $!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
