<SEC-DOCUMENT>0001144204-17-001596.txt : 20170110
<SEC-HEADER>0001144204-17-001596.hdr.sgml : 20170110
<ACCEPTANCE-DATETIME>20170110161537
ACCESSION NUMBER:		0001144204-17-001596
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20170110
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170110
DATE AS OF CHANGE:		20170110

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SHORE BANCSHARES INC
		CENTRAL INDEX KEY:			0001035092
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				521974638
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-22345
		FILM NUMBER:		17520753

	BUSINESS ADDRESS:	
		STREET 1:		18 EAST DOVER STREET
		CITY:			EASTON
		STATE:			MD
		ZIP:			21601-3013
		BUSINESS PHONE:		4108221400

	MAIL ADDRESS:	
		STREET 1:		18 EAST DOVER STREET
		CITY:			EASTON
		STATE:			MD
		ZIP:			21601-3013
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>v456629_8-k.htm
<DESCRIPTION>FORM 8-K
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>PURSUANT TO SECTION 13 OR 15(d) OF THE
</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES EXCHANGE ACT OF 1934</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
January 10, 2017</P>

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: underline; text-align: center"><U>Maryland</U></TD>
    <TD STYLE="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: underline; text-align: center"><U>0-22345</U></TD>
    <TD STYLE="width: 33%; padding-right: 5.4pt; padding-left: 5.4pt; text-decoration: underline; text-align: center"><U>52-1974638</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(State or other jurisdiction of</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(Commission file number)</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">(IRS Employer</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">incorporation or organization)</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">&nbsp;</TD>
    <TD STYLE="padding-right: 5.4pt; padding-left: 5.4pt; text-align: center">Identification No.)</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><U>28969 Information Lane, Easton, Maryland
21601</U></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant&rsquo;s telephone number, including
area code: <U>(410) 763-7800</U></P>

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Former Name or Former Address, if Changed
Since Last Report)</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Written communications pursuant to Rule 425 under the
Securities Act (17 CFR 230.425)</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Soliciting material pursuant to Rule 14a-12 under the
Exchange Act (17 CFR 240.14a-12)</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(b))</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left"><FONT STYLE="font-family: Wingdings">&#168;</FONT></TD><TD STYLE="text-align: justify">Pre-commencement communications pursuant to Rule 13e-4(c)
under the Exchange Act (17 CFR 240.13e-4(c))</TD>
</TR></TABLE>

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


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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 1.01.</B></TD><TD><B>Entry into a Material Definitive Agreement</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On January 10, 2017, Shore Bancshares, Inc. (the &ldquo;Company&rdquo;)
announced that its banking subsidiary, Shore United Bank, has entered into a purchase and assumption agreement to acquire three
bank branches located in the greater Baltimore, Maryland metropolitan area from Northwest Bank, the wholly-owned subsidiary of
Northwest Bancshares, Inc. (the &ldquo;Purchase Agreement&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Pursuant to the Purchase Agreement, Shore United Bank has agreed
to assume approximately $214 million in deposits and will acquire approximately $152 million in performing loans and $40 million
of cash associated with the three bank branches. Shore United Bank has agreed to pay a deposit premium equal to 8.0% of the balance
of assumed deposits, which premium will decrease to 7.25% if deposits decrease to less than $182.0 million. In addition, Shore
United Bank has the option (i) to exclude certain loans before closing, and (ii) to require the repurchase or exchange of any nonperforming
loans for up to 75 days after closing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Subject to customary closing conditions, including the receipt
of all necessary regulatory approvals, the acquisition is expected to be completed during the second quarter of 2017.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The foregoing description of the Purchase Agreement does not
purport to be complete and is qualified in its entirety by reference to the full text of the Purchase Agreement, which is attached
hereto as Exhibit 1.1 and is incorporated herein by reference. The representations, warranties and covenants of each party set
forth in the Purchase Agreement have been made only for purposes of, and were and are solely for the benefit of the parties to,
the Purchase Agreement, may be subject to limitations agreed upon by the contracting parties, including being qualified by confidential
disclosures made for the purposes of allocating contractual risk between the parties to the Purchase Agreement instead of establishing
these matters as facts, and may be subject to standards of materiality applicable to the contracting parties that differ from those
applicable to investors. Accordingly, the representations and warranties may not describe the actual state of affairs at the date
they were made or at any other time, and investors should not rely on them as statements of fact. In addition, such representations
and warranties (i) will only survive consummation of the transactions contemplated by the Purchase Agreement as specified therein,
and (ii) were made only as of the date of the Purchase Agreement or such other date as is specified in the Purchase Agreement.
Moreover, information concerning the subject matter of the representations, warranties and covenants may change after the date
of the Purchase Agreement, which subsequent information may or may not be fully reflected in the parties' public disclosures. Accordingly,
the Purchase Agreement is included with this filing only to provide investors with information regarding the terms of the Purchase
Agreement, and not to provide investors with any other factual information regarding Shore United Bank or Northwest Bank or any
of their respective affiliates or businesses.</P>

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

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<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 7.01.</B></TD><TD><B>Regulation FD Disclosure</B></TD></TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On January 10, 2017, the Company issued a press release announcing
the execution of the Purchase Agreement. A copy of the press release is attached as Exhibit 99.1 to this report and is incorporated
herein by reference. Information contained herein, including Exhibit 99.1, shall not be deemed filed for the purposes of the Securities
Exchange Act of 1934, nor shall such information and Exhibit be deemed incorporated by reference in any filing under the Securities
Act of 1933, except as shall be expressly set forth by specific reference in such a filing</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 1in"><B>Item 9.01</B></TD><TD><B>Financial Statements and Exhibits.</B></TD></TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The exhibits that are filed or furnished with this report are
listed in the Exhibit Index that immediately follows the signatures hereto, which list is incorporated herein by reference.</P>

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</P>

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

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<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3">SHORE BANCSHARES, INC.</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD COLSPAN="3">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top; width: 50%">Dated: January 10, 2017</TD>
    <TD STYLE="width: 3%">By:&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 32%; border-bottom: Black 1pt solid">/s/ Lloyd L. Beatty, Jr.</TD>
    <TD STYLE="vertical-align: top; width: 15%">&nbsp;</TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD COLSPAN="2" STYLE="vertical-align: top">Lloyd L. Beatty, Jr.<BR>
President and Chief Executive Officer</TD></TR>
</TABLE>

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

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

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

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

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



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

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

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

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

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%; text-decoration: underline"><U>Number</U></TD>
    <TD STYLE="width: 90%; text-decoration: underline"><U>Description</U></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>1.1</TD>
    <TD>Purchase and Assumption Agreement, dated as of January 10, 2017, by and between Northwest Bank and Shore United Bank*</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>99.1</TD>
    <TD>Press Release, dated January 10, 2017, issued by the Company announcing Purchase and Assumption Agreement.</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<TD STYLE="width: 0in"></TD><TD STYLE="width: 0.25in; text-align: left">*</TD><TD STYLE="text-align: justify">Schedules and exhibits have been omitted pursuant to
Item 601(b)(2) of Regulation S-K.</TD>
</TR></TABLE>



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<DESCRIPTION>EXHIBIT 1.1
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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: right"><B>Exhibit 1.1</B></P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; text-align: center">January 10, 2017</P>

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

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

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

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

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

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

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

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

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


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    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
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    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 1</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> CERTAIN DEFINITIONS</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Definitions</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">1.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Accounting Terms</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 2</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> THE P&amp;A TRANSACTION</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase and Sale of Assets</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assumption of Liabilities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchase Price</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sale and Transfer of Servicing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Rejection or Repurchase of Loans</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">13</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 3</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> CLOSING PROCEDURES; ADJUSTMENTS</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">14</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Payment at Closing</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Adjustment of Purchase Price</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">15</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proration; Other Closing Date Adjustments</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Seller Deliveries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">16</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Purchaser Deliveries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">17</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Delivery of the Loan Documents</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Real Property Filings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Allocation of Purchase Price</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">18</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 4</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> TRANSITIONAL MATTERS</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transitional Arrangements</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">19</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customers</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">20</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ACH Debit or Credit Transactions</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">21</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Wires</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">22</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Access to Records</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interest Reporting and Withholding</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">23</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Negotiable Instruments</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ATM and Debit Cards</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Data Processing Conversion for the Branches and Handling of Certain Items</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">24</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Infrastructure Installation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">25</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Training</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Night Drop Equipment</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses Relating to Transitional Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">26</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Access to the Branches on the Closing Date</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.15</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Customer Claims</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4.16</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Study</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">27</FONT></TD></TR>
</TABLE>
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<TR STYLE="vertical-align: top">
    <TD STYLE="width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 82%; text-align: right">&nbsp;</TD>
    <TD STYLE="width: 10%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 5</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> REPRESENTATIONS AND WARRANTIES OF SELLER</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">28</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Organization and Authority</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Conflicts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Approvals and Consents</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">29</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation and Undisclosed Liabilities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Compliance with Laws</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Loans</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">30</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Records</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Title to Assets</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Deposits</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investment Management and Trust Services Relationships</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Environmental Laws; Hazardous Substances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">32</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brokers&rsquo; Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Property</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">33</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.15</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Absence of Certain Changes or Events</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.16</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Benefit Plans; Labor Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.17</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Available Funds</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.19</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance Coverage</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">34</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">5.20</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Limitations on Representations and Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 6</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> REPRESENTATIONS AND WARRANTIES OF PURCHASER</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Corporate Organization and Authority</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Conflicts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Approvals and Consents</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">35</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Matters</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">36</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation and Undisclosed Liabilities</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Operation of the Branches</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Brokers&rsquo; Fees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Financing to be Available</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Eligibility</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">6.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Limitations on Representations and Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 7</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> COVENANTS OF THE PARTIES</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Activity in the Ordinary Course</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">37</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Access and Confidentiality</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Regulatory Approvals</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Consents</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">41</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Efforts to Consummate; Further Assurances</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Solicitation of Accounts; Non-Solicitation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">42</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Insurance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Servicing Prior to Closing Date</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Change of Name, Etc.</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44</FONT></TD></TR>
</TABLE>
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<TR>
    <TD STYLE="vertical-align: top; width: 8%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: top; width: 82%; text-align: right">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 10%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 8</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> TAXES AND EMPLOYEE BENEFITS</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Representations</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Proration of Taxes</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Sales and Transfer Taxes</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Information Returns</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Payment of Amount Due under Article 8</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assistance and Cooperation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Transferred Employees</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 9</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> CONDITIONS TO CLOSING</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Purchaser</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Seller</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 10</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> TERMINATION</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Termination</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">50</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">10.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effect of Termination</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 11</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> INDEMNIFICATION</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Exclusivity</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">11.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">AS-IS Sale; Waiver of Warranties</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD COLSPAN="2" STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt; text-transform: uppercase"><B>ARTICLE 12</B></FONT><B><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"> MISCELLANEOUS</FONT></B></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: top">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; text-align: right">&nbsp;</TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.1</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Survival</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.2</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.3</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Binding Effect</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.4</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Public Notice</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.5</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.6</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.7</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Consent to Jurisdiction</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.8</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.9</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement; Amendment</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.10</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Third Party Beneficiaries</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.11</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.12</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Headings</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.13</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
<TR STYLE="background-color: White">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.14</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretation</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
<TR STYLE="background-color: rgb(204,238,255)">
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">12.15</FONT></TD>
    <TD STYLE="vertical-align: top"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Specific Performance</FONT></TD>
    <TD STYLE="vertical-align: bottom; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: -0.5in">&nbsp;</P>

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



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

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

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

<table cellspacing="0" cellpadding="0" style="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 27%">Exhibit 1.1(a)</td>
    <td style="width: 73%">Assumed Contracts</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(b)</td>
    <td>Branches/Real Properties</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(c)</td>
    <td>Deposits</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(d)</td>
    <td>Equipment Lease</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(e)(i)</td>
    <td>Loans</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(e)(ii)</td>
    <td>Excluded Loans</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(f)</td>
    <td>Personal Property</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(g)</td>
    <td>Purchaser&rsquo;s Knowledge</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(h)</td>
    <td>Seller&rsquo;s Knowledge</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 1.1(i)</td>
    <td>Investment Management and Trust Services Relationships</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 3.5(b)</td>
    <td>Form of Bill of Sale</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 3.5(c)</td>
    <td>Form of Assignment and Assumption Agreement</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 3.5(d)</td>
    <td>Form of Assignment of Assumed Contracts and Assumption Agreement</td></tr>
<tr style="vertical-align: top">
    <td>Exhibit 3.5(h)</td>
    <td>Form of Assignment of Loan Documents and Assumption Agreement</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 1in">This <B>PURCHASE AND ASSUMPTION AGREEMENT</B>,
dated as of January 10, 2017 (the &ldquo;<U>Agreement</U>&rdquo;), between Northwest Bank, a Pennsylvania-chartered savings bank
with its principal office located in Warren, Pennsylvania (the &ldquo;<U>Seller</U>&rdquo;), and Shore United Bank, a Maryland-chartered
bank with its principal office located in Easton, Maryland (the &ldquo;<U>Purchaser</U>&rdquo;).</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Affiliate</U>&rdquo; means,
with respect to any Person, any other Person directly or indirectly controlling, controlled by or under common control with such
Person.</P>

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

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

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Assumed Contracts</U>&rdquo;
means each of the contracts set forth on Exhibit 1.1(a) and any contracts entered into by Seller to the extent entered into in
the ordinary course of business and exclusively related to the operations of the Branches and set forth on Exhibit 1.1(a). Exhibit
1.1(a) shall be updated by Seller as of 5:00 p.m., Eastern Time, on the date that is five (5) Business Days prior to the Closing
Date (and delivered to Purchaser on or before the date that is three (3) Business Days prior to the Closing Date) and as of 5:00
p.m., Eastern Time, on the date that is three (3) Business Days prior to the Closing Date (and delivered to Purchaser on or before
5:00 p.m., Eastern Time, on the Business Day prior to the Closing Date).</P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Cash on Hand</U>&rdquo;
means all U.S. cash on hand at the Branches at the close of business on the Closing Date, including vault cash, petty cash and
tellers&rsquo; cash, located at the Branches, as determined by a cash count to be mutually conducted jointly by Seller and Purchaser
but excluding any cash contained in ATMs not physically located at the Branches and cash contained in security vehicles or otherwise
maintained in vaults by vendors on behalf of the Seller not associated with the Branches.</P>

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

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

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


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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Confidential Information
Breach</U>&rdquo; has the meaning set forth in Section 7.2(d).</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Credit Exchange</U>&rdquo;
has the meaning set forth in Section 2.5(a).</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Deposit(s)</U>&rdquo; means
deposit liabilities with respect to deposit accounts (a) opened by a customer at the Branches as of the Closing Date, including
deposit liabilities booked at the Branches , or (b) associated with any Loan, in each case that constitute &ldquo;deposits&rdquo;
for purposes of the Federal Deposit Insurance Act, 12 U.S.C. &sect;&nbsp;1813, including escrow deposit liabilities relating to
the Loans and collected and uncollected deposits and Accrued Interest, but excluding any Excluded Deposits. Exhibit 1.1(c) contains
a list of Deposits as of November 30, 2016 with such Exhibit specifying the identity of the accountholder and the type of account
for each Deposit, and such list shall be updated by Seller as of 5:00 p.m., Eastern Time, on the date that is ten (10) Business
Days prior to the Closing Date (and delivered to Purchaser on or before the date that is seven (7) Business Days prior to the Closing
Date) and as of 5:00 p.m., Eastern Time, on the date that is five (5) Business Days prior to the Closing Date (and delivered to
Purchaser on or before 5:00 p.m., Eastern Time, on the third (3<SUP>rd</SUP>) Business Day prior to the Closing Date).</P>

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

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

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

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

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


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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Environmental Study</U>&rdquo;
has the meaning set forth in Section 4.16(a).</P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Exchange Period</U>&rdquo;
has the meaning set forth in Section 2.5(c).</P>

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Excluded Taxes</U>&rdquo;
means (i) any Taxes of Seller or any of its Affiliates for or applicable to any period, (ii) any Taxes of, or relating to, the
Assets, the Assumed Liabilities or the operation of the Branches for, or applicable to, the Pre-Closing Tax Period, and (iii) any
Transfer Taxes for which Seller is responsible pursuant to Section 8.3.</P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Final Closing Statement</U>&rdquo;
means a final closing statement, prepared by Seller in accordance with the accounting policies used in preparing the Draft Closing
Statement, on or before the thirtieth (30th) calendar day following the Closing Date setting forth both the Purchase Price, the
Adjusted Payment Amount and the prorated Items of proration set forth in Section 3.4.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Investment Management and
Trust Services Relationships</U>&rdquo; means the relationships and associated assets under management as of November 30, 2016
that are<B> </B>listed on Exhibit 1.1(i). Exhibit 1.1(i) shall be updated by Seller as of 5:00 p.m., Eastern Time, on the date
that is five (5) Business Days prior to the Closing Date (and delivered to Purchaser on or before the date that is three (3) Business
Days prior to the Closing Date) and as of 5:00 p.m., Eastern Time, on the date that is three (3) Business Days prior to the Closing
Date (and delivered to Purchaser on or before 5:00 p.m., Eastern Time, on the Business Day prior to the Closing Date).</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>IRA/Keogh</U>&rdquo; means
any (i) &ldquo;individual retirement account&rdquo; or similar account created by a trust for the exclusive benefit of any individual
or his beneficiaries in accordance with the provisions of Section 408 or 408A of the Code and/or (ii) account created by a trust
for the benefit of employees (some or all of whom are owner-employees) and that complies with the provisions of Section 401 of
the Code.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Item</U>&rdquo; means (a)
drafts, including checks and negotiable orders of withdrawal and items of a like kind which are drawn on or deposited and credited
to the Deposit accounts, and (b) payments, advances, disbursements, fees, reimbursements and items of a like kind which are debited
or credited to the Loans.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Loans</U>&rdquo; means the
loans as of November 30, 2016 that are listed on Exhibit 1.1(e)(i), including all overdrafts with respect thereto; <I>provided</I>,
<I>however</I>, that &ldquo;Loans&rdquo; do not include the loans listed on Exhibit 1.1(e)(ii), which includes (i)&nbsp;the interest
of any participants in such Loans or Loans that have been the subject of securitizations, (ii)&nbsp; Nonperforming Loans, (iii)&nbsp;Loans
rejected by Purchaser pursuant to Section 2.5 of the Agreement, and (iv) any Loan if the aggregate unpaid principal balance of
any such Loan as of the fifth (5<SUP>th</SUP>) business day preceding the Closing Date exceeds the Purchaser&rsquo;s current loan-to-borrower
limit, which limit has been previously provided by Purchaser to Seller in writing. Any loan listed on Exhibit 1.1(e)(ii) will cease
to be a &ldquo;Loan&rdquo; for purposes of this Agreement, and Seller will cooperate with Purchaser to consider including in the
transactions contemplated hereby other loans, with such replacements on an aggregate basis having an approximately comparable aggregate
unpaid principal balance as the aggregate unpaid principal balance of the removed loans. Exhibits 1.1(e)(i) and (ii) shall be updated
by Seller as of 5:00 p.m., Eastern Time, on the date that is ten (10) Business Days prior to the Closing Date (and delivered to
Purchaser on or before the date that is eight (8) Business Days prior to the Closing Date) and as of 5:00 p.m., Eastern Time, on
the date that is three (3) Business Days prior to the Closing Date (and delivered to Purchaser on or before 5:00 p.m., Eastern
Time, on the Business Day prior to the Closing Date).</P>

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


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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Net Book Value</U>&rdquo;
means, as applicable, (i) the carrying value of each of the Assets as reflected on the books of Seller as of the Closing Date in
accordance with GAAP and consistent with the accounting policies and practices of Seller in effect as of the date of this Agreement,
or (ii) with respect to any Purchased Loan, the carrying value of the Purchased Loan as reflected on the books of Purchaser as
of the end of the Cure Period in accordance with GAAP and consistent with the accounting practices of Purchaser in effect as of
the date of this Agreement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Nonperforming Loan</U>&rdquo;
shall mean, as of the close of business on the Closing Date or at any time within the Repurchase Period with respect to (i), (ii),
(iii) and (iv) below, any loan with respect to which (i) any principal or interest on such loan or receivable shall be due and
unpaid by the Obligor thereunder for sixty (60) days or more, (ii) there is a material nonmonetary default related to such Loan,
(iii) legal proceedings are pending related to Obligor&rsquo;s inability or refusal to pay such loan, (iv) an Obligor has filed
or has had filed against such Obligor proceedings in bankruptcy, trusteeship or receivership, (v) the loan has been completely
charged off, or (vi) the balance is no longer owed by the Obligor whether or not as a result of a settlement agreement between
the Obligor and Seller.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Obligor</U>&rdquo; has the
meaning set forth in Section 5.7(a)(i).</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<FONT STYLE="font-weight: normal"><U>Permitted
Encumbrances</U></FONT>&rdquo; means (i) matters disclosed on Schedule 1.1 of the Seller Disclosure Schedule, (ii) Encumbrances
which the Title Insurer agrees to omit, to provide affirmative insurance for, or to otherwise insure over at no additional cost
to Purchaser, (iii) statutory liens securing Taxes or other payments not yet due, (iv) easements, encroachments, rights of way
and other Encumbrances, applicable zoning laws, and building restrictions, none of which materially and adversely affect the current
use of the Real Property as a commercial bank branch office in the manner used by Seller, and (v) the rights of any tenants under
written leases.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Personal Property</U>&rdquo;
means the personal property goods of Seller located in the Branches, and used or held for use in the business or operation of the
Branches, consisting of the trade fixtures, shelving, furniture, leasehold improvements, on-premises ATMs (excluding Seller licensed
software, but including ATM hardware (other than the hard drive), alarm contacts, safe, cash canisters, security camera, KABA-MAS
locks, ADA audio hardware, deposit automation hardware, keys and lock combinations), equipment, security systems equipment (but
not including any connections or software relating thereto), safe deposit boxes (exclusive of contents), vaults and sign structures.
Exhibit 1.1(f) contains a list of the Personal Property as of November 30, 2016, and such list shall be updated by Seller as of
5:00 p.m., Eastern Time, on the date that is three (3) Business Days prior to the Closing Date (and delivered to Purchaser on or
before 5:00 p.m., Eastern Time, on the Business Day prior to the Closing Date).</P>

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

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

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

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

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

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Purchased Loan</U>&rdquo;
has the meaning set forth in Section 2.5(b).</P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Purchaser&rsquo;s knowledge</U>&rdquo;
means the actual knowledge of facts and other information that would be reasonably expected to come to the attention of the Person
set forth on Exhibit 1.1(g) after due inquiry.</P>

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

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

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

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

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


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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Repurchase Notice</U>&rdquo;
has the meaning set forth in Section 2.5(b).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Repurchase Period</U>&rdquo;
has the meaning set forth in Section 2.5(b).</P>

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Seller&rsquo;s knowledge</U>&rdquo;
means the actual knowledge of facts and other information that would be reasonably expected to come to the attention of the Persons
set forth on Exhibit 1.1(h) after due inquiry.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Survival Period</U>&rdquo;
has the meaning set forth in Section 12.1(a).</P>

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Transfer Date</U>&rdquo;
means, with respect to Branch Employees who accept Purchaser&rsquo;s offer of employment, the day after the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Transfer Taxes</U>&rdquo;
has the meaning set forth in Section 8.3.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in; text-indent: 0.5in">&ldquo;<U>Transferred Employees</U>&rdquo;
has the meaning set forth in Section 8.7(a)(i).</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in; text-align: right"></TD><TD STYLE="width: 0.5in">(i)</TD><TD STYLE="text-align: justify">Cash on Hand;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in; text-align: right"></TD><TD STYLE="width: 0.5in">(ii)</TD><TD STYLE="text-align: justify">the Real Property;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in; text-align: right"></TD><TD STYLE="width: 0.5in">(iii)</TD><TD STYLE="text-align: justify">the Personal Property;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: justify">the Assumed Contracts;</TD>
</TR></TABLE>

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


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(v)</TD><TD STYLE="text-align: justify">the Loans, plus Accrued Interest with respect to such
Loans, as well as the collateral for the Loans, the Loan Documents and, to the extent owned, the servicing rights related thereto
pursuant to Section 2.4;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vi)</TD><TD STYLE="text-align: justify">the Negative Deposits;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vii)</TD><TD STYLE="text-align: justify">the Safe Deposit Agreements;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(viii)</TD><TD STYLE="text-align: justify">the Investment Management and Trust Services Relationships;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ix)</TD><TD STYLE="text-align: justify">any refunds, credits or other receivables, in each
case, of, against or relating to Taxes of, or relating to, the Assets, the Assumed Liabilities or the operation of the Branches
(other than Excluded Taxes); and</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(x)</TD><TD STYLE="text-align: justify">the Records.</TD>
</TR></TABLE>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assumption
of Liabilities</U>.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: justify">the Deposits, including Deposits in IRA/Keoghs and
related account agreements;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: justify">the Personal Property and the Real Property;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: justify">the Safe Deposit Agreements;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: justify">the Assumed Contracts;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(v)</TD><TD STYLE="text-align: justify">the Loans, and the servicing of the Loans pursuant
to Section 2.4;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vi)</TD><TD STYLE="text-align: justify">the Investment Management and Trust Services Relationships;</TD>
</TR></TABLE>

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


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vii)</TD><TD STYLE="text-align: justify">liabilities to any Transferred Employee in respect
of his or her employment with Purchaser on or after the Transfer Date, including as set forth in Section 8.7; and</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(viii)</TD><TD STYLE="text-align: justify">liabilities for Taxes of, or relating to, the Assets,
the Assumed Liabilities or the business or operation of the Branches (other than Excluded Taxes).</TD>
</TR></TABLE>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
amount equal to 8.0% of the average daily closing balance (including Accrued Interest) of the Deposits for the period commencing
thirty (30) calendar days prior to the Closing Date and concluding on the Closing Date (the &ldquo;Purchase Premium&rdquo;); provided,
however, in the event that the Deposits are less than One Hundred Eighty-Two Million ($182,000,000) on the Closing Date, then the
Purchase Premium shall be equal to 7.25% of the average daily closing balance (including Accrued Interest) of the Deposits for
the period commencing thirty (30) calendar days prior to the Closing Date and concluding on the Closing Date;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
aggregate Net Book Value of the Real Property;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
aggregate Net Book Value of the Personal Property;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
aggregate amount of Cash on Hand as of the Closing Date; and</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sale
and Transfer of Servicing</U>. The Loans shall be sold on a servicing-released basis and any related escrow deposits shall be transferred
to Purchaser. As of the Closing Date, all rights, obligations, liabilities and responsibilities with respect to the servicing of
the Loans after the Closing Date will be assumed by Purchaser. Seller shall be discharged and indemnified by Purchaser from all
liability with respect to servicing of the Loans after the Closing Date and Purchaser shall not assume and shall be discharged
and indemnified by Seller from all liability with respect to servicing of the Loans on or prior to the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rejection
or Repurchase of Loans</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
written notice to Seller within five (5) Business Days prior to the Closing, Purchaser, in its sole discretion, may designate any
Loan as an Excluded Asset.&nbsp;To the extent that Purchaser rejects any Loan pursuant to this Section 2.5(a), Seller, at its sole
discretion, may replace such rejected Loan with one or more performing Loans of aggregate equal Net Book Value, if available, acceptable
to both Purchaser and Seller (&ldquo;Credit Exchange&rdquo;).&nbsp;</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
a period of seventy-five (75) days following the Closing Date (the &ldquo;Repurchase Period&rdquo;), Seller shall be obligated
to repurchase for an amount equal to the Net Book Value of and Accrued Interest, if any, attributable to, any loan purchased by
Purchaser (&ldquo;Purchased Loan&rdquo;) as of the end of the Exchange Period (as defined below) that becomes a Nonperforming Loan
during the Repurchase Period (as determined and documented by Purchaser). Upon discovery by Purchaser of a Nonperforming Loan during
the Repurchase Period, Purchaser shall provide prompt written notice of such discovery to Seller (the &ldquo;Repurchase Notice&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
shall have the option, at its sole discretion, to enter into a Credit Exchange with the Purchaser, provided that such Credit Exchange
is completed within thirty (30) calendar days of a Repurchase Notice (the &ldquo;Exchange Period&rdquo;).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event Seller has not entered into a Credit Exchange with the Purchaser in accordance with subsection (c), Seller shall repurchase
the Nonperforming Loan for an amount equal to the Net Book Value of the Purchased Loan as of the end of the Exchange Period within
fifteen (15) calendar days of the expiration of the Exchange Period.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Upon
any repurchase of a Nonperforming Loan hereunder, Purchaser shall endorse over, reassign, deliver and transfer to Seller by delivery
to Seller of all the Loan Documents with appropriate completed endorsements, which shall be without recourse, so as to vest Seller
with title to the reassigned Nonperforming Loan. Purchaser shall execute such other documents to accomplish the foregoing intention
as Seller may reasonably request. Upon such delivery and assignment, Seller shall promptly pay to Purchaser the Net Book Value
and Accrued Interest, if any, attributable to, of the Nonperforming Loan.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The Closing will be held at the offices of Luse Gorman, PC, 5335 Wisconsin Avenue, NW, Suite 780, Washington, D.C., 20015, or such
other place as may be agreed to by the parties.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to the satisfaction or, where legally permitted, the waiver of the conditions set forth in Article 9, the parties anticipate that
the Closing Date shall be May 19, 2017 or an earlier mutually agreeable date, or, if the Closing cannot occur on such date, on
a date and time as soon thereafter as practicable after receipt of the Regulatory Approvals and the expiration of all related statutory
waiting periods, except as otherwise provided in the next sentence of this Section 3.1(b). Unless the parties agree pursuant to
Section 4.9(a) that the conversion of the data processing with respect to the Branches and Assumed Liabilities will be performed
on a date other than the Closing Date, the Closing Date shall be a Friday and the conversion will be completed prior to the opening
of business on the following Business Day.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
at Closing</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
payments to be made hereunder by one party to the other shall be made by wire transfer of immediately available funds (in all cases
to an account specified in writing by Seller or Purchaser, as the case may be, to the other not later than the fifth (5<SUP>th</SUP>)
Business Day prior to the Closing Date) on or before 12:00 noon, Eastern Time, on the date of payment.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any instrument of transfer contemplated herein shall be recorded in any public record before the Closing and thereafter the Closing
does not occur, then at the request of such transferring party the other party will deliver (or execute and deliver) such instruments
and take such other action as such transferring party shall reasonably request to revoke such purported transfer.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">3.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustment
of Purchase Price</U>.</P>

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

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

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

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

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

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">3.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Proration;
Other Closing Date Adjustments</U>.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Agreement, items of proration and other adjustments shall include: (i) base rental and additional rental payments
under the Equipment Leases and periodic payments under the Assumed Contracts; (ii) wages, salaries and employee compensation, benefits
and expenses; (iii) trustee or custodian fees on Deposits in IRA/Keoghs; (iv) to the extent relating to the Assets or the Assumed
Liabilities, prepaid expenses and items and accrued but unpaid liabilities, as of the close of business on the Closing Date; and
(v) safe deposit rental payments previously received by Seller.</P>

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

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

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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller&rsquo;s
resignation as trustee or custodian, as applicable, with respect to each Deposit in an IRA/Keogh and each Investment Management
and Trust Services Relationship, as applicable, and designation of Purchaser as successor trustee or custodian with respect thereto;</P>

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


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

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

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 0.5in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Such
other documents as the parties agree are reasonably necessary to consummate the P&amp;A Transaction as contemplated hereby.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser&rsquo;s
acceptance of its appointment as successor trustee or custodian, as applicable, with respect to each Deposit in an IRA/Keogh and
each Investment Management and Trust Services Relationship, as applicable, and assumption of the fiduciary obligations of the trustee
or custodian with respect thereto;</P>

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Such
other documents as the parties agree are reasonably necessary to consummate the P&amp;A Transaction as contemplated hereby.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">3.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Allocation
of Purchase Price</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
later than sixty (60) calendar days after the final determination of the Adjusted Payment Amount in accordance with the procedures
set forth in Section 3.3, Purchaser shall prepare and deliver to Seller a draft of a statement (the &ldquo;<U>Draft Allocation
Statement</U>&rdquo;) setting forth the allocation of the total consideration paid by Purchaser to Seller pursuant to this Agreement
among the Assets for purposes of Section 1060 of the Code. If, within thirty (30) calendar days of the receipt of the Draft Allocation
Statement, Seller shall not have objected in writing to such draft, the Draft Allocation Statement shall become the Final Allocation
Statement, as defined below. If Seller objects to the Draft Allocation Statement in writing within such thirty (30) calendar-day
period, Purchaser and Seller shall negotiate in good faith to resolve any disputed items. If, within ninety (90) calendar days
after the final determination of the Adjusted Payment Amount in accordance with the procedures set forth in Section 3.3, Purchaser
and Seller fail to agree on such allocation, any disputed aspects of such allocation shall be resolved by a nationally recognized
independent accounting firm mutually acceptable to Purchaser and Seller. The allocation of the total consideration, as agreed upon
by Purchaser and Seller (as a result of either Seller&rsquo;s failure to object to the Draft Allocation Statement or of good faith
negotiations between Purchaser and Seller) or determined by an accounting firm under this Section 3.9(a) (the &ldquo;<U>Final Allocation
Statement</U>&rdquo;), shall be final and binding upon the parties. Each of Purchaser and Seller shall bear all fees and costs
incurred by it in connection with the determination of the allocation of the total consideration, except that the parties shall
each pay one-half (50%) of the fees and expenses of such accounting firm.</P>

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

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

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
shall use reasonable best efforts to deliver to Purchaser the specifications and conversion sample files within sixty (60) calendar
days after the date of this Agreement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not
later than forty-five (45) calendar days after the date of this Agreement, Purchaser and Seller shall mutually agree upon (i) a
calendar for all customer notifications to be sent pursuant to and in accordance with Section 4.2 and (ii) the mailing file requirements
of Purchaser in connection with such customer notifications.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Customers</U>.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">Seller will notify the holders of Deposits to be transferred
on the Closing Date that, subject to the terms and conditions of this Agreement, Purchaser will be assuming liability for such
Deposits; and</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">each of Seller and Purchaser shall provide, or join
in providing where appropriate, all notices to customers of the Branches and other Persons that either Seller or Purchaser, as
the case may be, is required to give under applicable law or the terms of any other agreement between Seller and any customer
in connection with the transactions contemplated hereby; <I>provided</I> that Seller and Purchaser agree that any joint notices
shall not include any dual-branded letters but instead shall include individual bank inserts for each of Seller and Purchaser.</TD>
</TR></TABLE>

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
shall notify Deposit account customers, Loan account customers and Investment Management and Trust Services Relationship customers
that, upon the expiration of a post-Closing processing period, which shall be ninety (90) calendar days after the Closing Date,
any Items that are drawn on Seller shall not thereafter be honored by Seller. Such notice shall be given by delivering written
instructions to such effect to such Deposit account customers and Loan account customers in accordance with this Section 4.2.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
will provide to Purchaser on the Closing Date all of those automated clearing house (&ldquo;<U>ACH</U>&rdquo;) originator arrangements
related (by agreement or other standing arrangement, if any) to the Deposits that are in Seller&rsquo;s ACH systems and will use
its reasonable best efforts to so transfer any other such arrangements. For a period of ninety (90) calendar days following the
Closing, in the case of ACH debit or credit transactions (&ldquo;<U>ACH Entries</U>&rdquo;) to accounts constituting Deposits (the
final Business Day of such period being the &ldquo;<U>ACH Entries Cut-Off Date</U>&rdquo;), Seller shall transfer to Purchaser
all received ACH Entries by 9:00 a.m., Eastern Time (or such other mutually agreed upon time), each Business Day. Such transfers
shall contain ACH Entries effective for that Business Day only. Purchaser shall be responsible for returning ACH Entries to the
originators through the ACH clearing house for ACH Entries that cannot be posted for any reason, including as a result of insufficient
funds in the applicable Deposit account or the applicable Deposit account being closed. Purchaser shall provide an ACH Entries
test file to Seller for validation of format at least fourteen (14) calendar days prior to the Closing Date. Compensation for ACH
Entries not forwarded to Purchaser on the same Business Day as that on which Seller has received such deposits will be handled
in accordance with the applicable rules established by the United States Council on International Banking. After the ACH Entries
Cut-Off Date, Seller may discontinue forwarding ACH Entries and funds and return such ACH Entries to the originators marked &ldquo;Account
Closed.&rdquo; Seller and its Affiliates shall not be liable for any overdrafts that may thereby be created. Purchaser and Seller
shall agree on a reasonable period of time prior to the Closing during which Seller will no longer be obligated to accept new ACH
Entries arrangements related to the Branches. At the time of the ACH Entries Cut-Off Date, Purchaser will provide ACH originators
with account numbers relating to the Deposits.</P>

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

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
soon as practicable after the notice provided in Section 4.2(a), Purchaser shall send appropriate notice to all customers having
accounts constituting Deposits the terms of which provide for ACH Entries of such accounts by third parties, instructing such customers
concerning the transfer of customer ACH Entries authorizations from Seller to Purchaser. Beginning on the Closing Date, Purchaser
shall provide, through the ACH clearing house, electronic Notification of Change Entries to the ACH originators of such ACH Entries
with account numbers relating to the Deposits. Purchaser shall provide an ACH Notification of Change test file to Seller for validation
of format at least fourteen (14) calendar days prior to the Closing Date.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Wires</U>.
After the Closing Date, Seller shall (a) no longer be obligated to process or forward to Purchaser any incoming or outgoing wires
(&ldquo;<U>Wires</U>&rdquo;) received by Seller for credit to accounts constituting Deposits, (b) return all Wires received after
the Closing Date to the originator as unable to apply to the referenced account constituting a Deposit and (c) upon reasonable
request by Purchaser, provide Purchaser with historical incoming Wire history information with respect to the thirteen (13) month
period prior to the Closing Date (the &ldquo;<U>Covered Period</U>&rdquo;) such that Purchaser is able to provide current wire
instructions to the originator from and after the Closing Date. The Wire history information provided under the terms of the previous
sentence shall include the beneficiary account number, beneficiary account name, cumulative value and total number of Wires received
during the Covered Period, to the extent available. Purchaser shall provide a unique and singular communication with specific new
Wire instructions to the receivers (beneficiaries) who have received ten (10) or more wires during the Covered Period.&nbsp; Such
specific instructions must be provided in writing to the applicable receivers (beneficiaries) no less than thirty (30) calendar
days prior to the Closing Date.&nbsp; Seller shall provide reports to Purchaser for any customers who have data resident on Seller&rsquo;s
Wire transfer-specific application, including wire templates (repetitive wire instructions), standing order transfers authorizing
the sender to directly contact the Wire operation for the initiation of a wire transfer.&nbsp; At least five (5) Business Days
prior to the Closing Date, Purchaser shall contact these specific clients to provide such clients with information regarding Purchaser&rsquo;s
services, capabilities and use instructions or reasonable substitutions.</P>

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


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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interest
Reporting and Withholding</U>.</P>

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

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

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

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

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


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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>ATM
and Debit Cards</U>. Seller will provide Purchaser with a list of ATM and debit cards issued by Seller to depositors of any Deposits,
and a record thereof in a format reasonably agreed to by the parties containing all account information and addresses therefor,
no later than fifteen (15) calendar days after the date of this Agreement, and Seller will provide Purchaser with an updated record
from time to time but in no event later than thirty (30) calendar days prior to the Closing Date. At or promptly after the Closing,
Seller will provide Purchaser with a revised record through the Closing. Seller will not be required to disclose to Purchaser customers&rsquo;
PINs or algorithms or logic used to generate PINs. Following the receipt of all Regulatory Approvals (except for the expiration
of statutory waiting periods), Purchaser shall reissue ATM access/debit cards to depositors of any Deposits not earlier than forty-five
(45) calendar days nor later than fifteen (15) calendar days prior to the Closing Date, which cards shall be effective as of the
day following the Closing Date. Purchaser and Seller agree to settle any and all ATM transactions and Debit card transactions effected
on or before the Closing Date, but processed after the Closing Date, as soon as practicable. In addition, Purchaser assumes responsibility
for and agrees to pay on presentation all Debit card transactions initiated before or after the Closing with Debit cards issued
by Seller to access Transaction Accounts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Data
Processing Conversion for the Branches and Handling of Certain Items</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
conversion of the data processing with respect to the Branches and the Assets and Assumed Liabilities will be completed on the
calendar day following the Closing Date unless otherwise agreed to by the parties. Seller and Purchaser agree to cooperate to facilitate
the orderly transfer of data processing information in connection with the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
soon as practicable and in no event more than three (3) Business Days after the Closing Date, Purchaser shall mail to each depositor
in respect of a Transaction Account (i)&nbsp;a letter approved by Seller requesting that such depositor promptly cease writing
Seller&rsquo;s drafts against such Transaction Account and (ii) new drafts which such depositor may draw upon Purchaser against
such Transaction Accounts. Purchaser shall use its reasonable best efforts to cause these depositors to begin using such new drafts
and cease using drafts bearing Seller&rsquo;s name. The parties hereto shall use their reasonable best efforts to develop procedures
that cause Seller&rsquo;s drafts against Transaction Accounts received after the Closing Date to be cleared through Purchaser&rsquo;s
then-current clearing procedures. During the ninety (90) calendar-day period after the Closing Date, if it is not possible to clear
Transaction Account drafts through Purchaser&rsquo;s then-current clearing procedures, Seller shall make available to Purchaser
as soon as practicable but in no event more than three (3) Business Days after receipt all Transaction Account drafts drawn against
Transaction Accounts. Seller shall have no obligation to pay such forwarded Transaction Account drafts. Upon the expiration of
such ninety (90) calendar-day period, Seller shall cease forwarding drafts against Transaction Accounts. Seller shall be compensated
at cost for its processing of the drafts and for other services rendered to Purchaser during the ninety (90) calendar-day period
following the Closing Date.</P>

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


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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Infrastructure
Installation</U>. Within ten (10) Business Days of the date of this Agreement, Purchaser and/or its representatives shall be permitted
reasonable access (subject to the provisions of Section 7.2(a)) to review each Branch for the purpose of installing automated equipment
for use by Branch personnel. Following the receipt of the Regulatory Approvals (except for the expiration of statutory waiting
periods), but in no event later than thirty (30) Business Days prior to the Closing Date, or with the approval of Seller, Purchaser
shall be permitted, as scheduled with and agreed to by Seller, at Purchaser&rsquo;s sole expense and without unreasonably interfering
with the operations of the Branches, to install and test communication lines, both internal and external, from each site and prepare
for the installation of automated equipment on the Closing Date.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee
Training</U>. In accordance with the terms of this Agreement, within fifteen (15) calendar days of the date of this Agreement,
Seller and Purchaser shall agree to mutually acceptable terms and conditions under which Purchaser shall be permitted to provide
training to Seller&rsquo;s employees at the Branches who are reasonably anticipated to become Transferred Employees; it being agreed
that, prior to, and on, the Closing Date, all Branch Employees shall remain under Seller&rsquo;s control. Any such training shall
not occur until after receipt of Regulatory Approvals (except for the expiration of statutory waiting periods). All training and
employee informational meetings shall be conducted in a manner that will not unreasonably interfere with the business activities
of the Branches. Purchaser shall reimburse Seller for the additional time spent by, and all related, reasonable travel expenses
incurred by, any such prospective Transferred Employee in connection with such training activities and informational meetings to
the extent such time and expenses would not have been spent or incurred by such prospective Transferred Employee but for such training
activities or informational meetings, and Purchaser shall reimburse Seller for reasonable costs and expenses (including compensation
related costs and expenses) incurred in connection with replacement employees for such prospective Transferred Employees excused
from their duties at the Branches for such training activities or informational meetings for the periods during which such prospective
Transferred Employees are excused, where such replacement employees are reasonably determined by Seller to be needed to maintain
ongoing operations at the Branches without disruption. As promptly as practicable following the date of this Agreement, Purchaser
shall provide Seller with Purchaser&rsquo;s proposed plan for the training of all anticipated Transferred Employees and, within
ten (10) Business Days of Seller&rsquo;s receipt of such plan, Seller shall provide Purchaser with an estimate of the anticipated
costs of implementing Purchaser&rsquo;s proposed training program. Notwithstanding the foregoing, Seller and Purchaser shall reasonably
cooperate in good faith to minimize the costs of such training program in a manner consistent with achieving its intended purpose.
In addition, from and after the date of this Agreement until the Closing Date, Purchaser shall consult with Seller and obtain Seller&rsquo;s
consent, which consent will not be unreasonably withheld or delayed, before communicating (directly or indirectly and whether in
writing, verbally or otherwise) with any Branch Employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Night
Drop Equipment</U>. Following the Closing and prior to the first Business Day following the Closing Date, Purchaser, at its sole
cost and expense, shall rekey all night drop equipment located within the Branches in such a manner that, from and after the first
Business Day following the Closing Date, no Person who was had the ability to access such night drop equipment prior to the Closing
shall be able to continue to access such night drop equipment with the same access key that such Person was using prior to the
Closing. The parties hereby acknowledge and agree that all of the night drop equipment located within the Branches shall be sealed
by Seller at approximately 8:00 a.m., local time, on the Closing Date and, from and after such time, Purchaser shall not unseal
such night drop equipment until it has been rekeyed in accordance with the preceding sentence.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses
Relating to Transitional Matters</U>. Purchaser shall be responsible for the payment of all documented, out-of-pocket third party
fees or expenses reasonably incurred by Seller in connection with the preparation of the Branches for transfer to Purchaser in
accordance with the terms of this Agreement; provided that such expenses shall not exceed $7,500 with respect to any single branch,
without the prior written approval of Purchaser, which shall not be unreasonably withheld. In no event will Purchaser be responsible
for any legal, accounting, financial advisory, investment banking, or brokerage fees incurred by Seller in connection with the
P&amp;A Transaction.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access
to the Branches on the Closing Date</U>. Purchaser agrees that, with respect to each Branch, on the Closing Date neither it nor
any of its agents, Affiliates or representatives shall be permitted to access such Branch until Seller has completed its decommissioning
of such Branch, which shall include the disabling of Seller&rsquo;s information systems at the Branch and the removal of any personal
property, equipment or other assets located at the Branch that do not constitute Assets; it being agreed that, notwithstanding
the foregoing, on the Closing Date, Purchaser shall be permitted to have one representative present at each Branch in order to
ensure that the actions taken by Seller in connection with such decommissioning comply with the terms of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Customer
Claims</U>.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">4.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental
Study</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
may, at Purchaser&rsquo;s election and expense and subject to any landlord&rsquo;s approval or consent as may be required and prior
notice to Seller of the date and time of any such inspections and examinations, within thirty (30) calendar days from the date
of this Agreement, undertake and complete an environmental study for the existence of any and all environmental conditions and
any and all violations of environmental laws, as is commonly referred to as a Phase I environmental study (&ldquo;<U>Environmental
Study</U>&rdquo;) with respect to the Real Property, as Purchaser deems necessary or appropriate. Such Environmental Studies shall
be conducted in a manner and at times so as to not unreasonably disrupt Seller&rsquo;s business operations of the Branches. Purchaser
shall maintain liability insurance and shall indemnify Seller for any and all Losses incurred by Seller, any of its Affiliates
and/or third parties while Purchaser and its agents are performing any Environmental Study. In the event of any damage to any of
the Branches, Seller shall be entitled to require Purchaser to engage workmen reasonably acceptable to Seller to restore any such
damage to the same condition as the Branches were in prior to the inspection.</P>

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
information, contents or results of any Environmental Study conducted pursuant to this Section 4.16, including the contents of
the report issued in connection therewith, shall be disclosed by Purchaser or its agents, consultants or employees to any third
party without Seller&rsquo;s prior written approval, unless and until Purchaser is legally compelled to make such disclosure under
applicable laws or until the P&amp;A Transaction is consummated. Notwithstanding the foregoing, Purchaser may disclose such matters
to its directors, executive officers, legal counsel, financial advisor and such employees who are reasonably required to receive
such disclosure (such parties being referred to as &ldquo;Purchaser&rdquo; for purposes of this section), the specific identities
of whom shall be supplied to Seller prior to any permitted disclosure to such party by Purchaser. If this Agreement is terminated
for any reason in accordance with the terms of Section 10.1, Purchaser shall immediately deliver and/or return to Seller any and
all documents, plans and other items furnished to Purchaser pursuant to this Section 4.16. The confidentiality and limitations
on disclosure of any information by Purchaser as set forth herein at this Section 4.16 shall survive any termination of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Purchaser shall discover a Hazardous Substance, a violation of Environmental Law or other environmental defect as a result of Purchaser&rsquo;s
Environmental Study, Purchaser shall give Seller written notice as soon as possible describing, in reasonable detail, the facts
or conditions constituting such Hazardous Substance, violation of Environmental Law or other environmental defect and the measures
which Purchaser reasonably believes are necessary to correct such Hazardous Substance, violation of Environmental Law or other
environmental defect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
Seller does not elect to cure any such Hazardous Substance, violation of Environmental Law or other environmental defect or is
unable to cure such Hazardous Substance, violation of Environmental Law or other environmental defect to Purchaser&rsquo;s reasonable
satisfaction at least ten (10)&nbsp;calendar days prior to the Closing, unless Purchaser elects to waive such Hazardous Substance,
violation of Environmental Law or other environmental defect, Seller shall reimburse Purchaser for the reasonable and documented
costs and expenses Purchaser may incur to repair and remediate the defect.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Seller represents and warrants to Purchaser,
both as of the date hereof and as of the Closing Date (except for representations and warranties that are made as of a specified
date), as follows, except as set forth in the Seller Disclosure Schedule:</P>

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


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

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

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

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

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

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

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Litigation
and Undisclosed Liabilities</U>. There are no actions, complaints, petitions, suits or other proceedings or any decree, injunction,
judgment, order or ruling entered, promulgated or pending or, to Seller&rsquo;s knowledge, threatened against Seller and affecting
or relating to in any manner the Branches, the Assets or the Assumed Liabilities or against any of the Branches that, individually
or in the aggregate, would reasonably be expected to have a Material Adverse Effect. To Seller&rsquo;s knowledge, there are no
facts or circumstances that would reasonably be expected to result in any material claims, obligations or liabilities with respect
to the Branches, the Assets or the Assumed Liabilities other than as otherwise disclosed in this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Matters</U>.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Laws</U>. All business of the Branches or relating to the Assets and the Assumed Liabilities has been conducted in compliance
with all federal, state and local laws, regulations, rules and ordinances applicable thereto, except non-compliance which would
not reasonably be expected to have a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Loans</U>.
(a) Each Loan:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">represents the valid and legally binding obligation
of the obligor, maker, co-maker, guarantor, endorser or debtor (such person referred to as an &ldquo;<U>Obligor</U>&rdquo;) thereunder,
and is evidenced by legal, valid and binding instruments executed by the Obligor. Seller has no knowledge that any such Obligor
at the time of such execution lacked capacity to contract, and any signature on any Loan Documents is not the true original or
facsimile signature of the Obligor on the Loan involved;</TD>
</TR></TABLE>

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


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">is enforceable in accordance with its terms, subject
to bankruptcy, insolvency, fraudulent transfer, reorganization, moratorium and similar laws of general applicability relating
to or affecting creditors&rsquo; rights and to general equity principles;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: left">(A) was originated by Seller in conformity in all
material respects with applicable laws and regulations and its principal balance as shown on Seller&rsquo;s books and records
is true and correct as of the date indicated therein, (B) has an assignable Lien, to the extent secured by a valid and enforceable
Lien in the collateral therefor, and has the priority reflected in Seller&rsquo;s records and (C) contains customary and enforceable
provisions such that the rights and remedies of the holder thereof shall be adequate for the realization against any collateral
therefore; complies with all applicable requirements of federal, state, and local laws, and regulations thereunder; and</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: left">the servicing practices of Seller used with respect
to the Loan have been consistent with Seller&rsquo;s practices in all material respects and have been in compliance in all material
respects with all applicable requirements of federal, state and local laws and regulations thereunder.</TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as set forth in Section 5.7(a) above, Seller makes no representation or warranty of any kind to Purchaser relating to the Loans,
including with respect to (i) the due execution, legality, validity, enforceability, genuineness, sufficiency, value or collectability
of the Loans or any documents, instrument or agreement in the loan or credit file, including, without limitation, documents granting
a security interest in any collateral relating to a Loan, (ii) any representation, warranty or statement made by an Obligor or
other party in or in connection with any Loan, (iii) the financial condition or creditworthiness of any primary or secondary Obligor
under any Loan or any guarantor or surety or other Obligor thereof, (iv) the performance of the Obligor or compliance with any
of the terms or provisions of any of the documents, instruments and agreements relating to any Loan, (v) inspecting any of the
property, books or records of any Obligor, or (vi) any of the warranties set forth in Section 3-417 of the Uniform Commercial Code.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Records</U>.
The Records accurately reflect in all material respects as of their respective dates the Net Book Value of the Assets and Assumed
Liabilities being transferred to Purchaser hereunder. The Records include all material, customary Branch, customer and customer-related
information reasonably necessary to service the Deposits, Loans and Investment Management and Trust Services Relationships on an
ongoing basis and as may be required under applicable law in all material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Title
to Assets</U>. Seller is the lawful owner of, or in the case of leased Assets, has a valid leasehold interest in, each of the Assets,
free and clear of all Encumbrances, other than Permitted Encumbrances. Subject to the terms and conditions of this Agreement, on
the Closing Date, Purchaser will acquire valid title to, or in the case of leased Assets (subject to receipt of any required third
party consents under the Assumed Contracts and documents governing the Investment Management and Trust Services Relationships),
a valid leasehold interest in, all of the material Assets, free and clear of any Encumbrances, other than Permitted Encumbrances.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Deposits</U>.
All of the Deposit accounts have been administered and originated, in compliance in all material respects with the documents governing
the relevant type of Deposit account and all applicable laws. The Deposit accounts are insured by the FDIC through the Deposit
Insurance Fund to the fullest extent permitted by law, and all premiums and assessments required to be paid in connection therewith
have been paid in full when due. All of the Deposits are transferable at the Closing to Purchaser, and, to Seller&rsquo;s knowledge,
there are no Deposits that are subject to any judgment, decree or order of any Regulatory Authority. Prior to the date of this
Agreement, Seller has provided Purchaser with forms of all deposit agreements related to the Deposits and all such forms contain
all material terms of the Deposits.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment
Management and Trust Services Relationships</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Investment Management and Trust Services Relationship has been in all material respects originated and serviced in conformity with
Seller&rsquo;s policies and in compliance with applicable laws and regulations. Each instrument or agreement governing an Investment
Management and Trust Services Relationship has been duly and validly executed and delivered by Seller and the other contracting
parties, and each such instrument or agreement constitutes a valid, binding and enforceable obligation of the parties thereto,
subject as to enforcement, to applicable bankruptcy, insolvency, reorganization, liquidation and other similar laws and equitable
principles relating to or affecting the enforcement of creditors&rsquo; rights generally.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the date hereof, Seller has not received any written notice from any customer related to the Investment Management and Trust
Services Relationships that it intends to bring a claim against Seller or any of its Affiliates in connection with the Investment
Management and Trust Services Relationships.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Seller
currently has in place an effective system of policies and procedures and a supervisory system reasonably designed to achieve and
maintain material compliance with all applicable laws and regulations. To Seller&rsquo;s knowledge, the employees associated with
the Investment Management and Trust Services Relationships, in their capacities as employees, have complied with applicable laws
and regulations, except for any failure to comply that would not reasonably be expected to, individually or in the aggregate, have
a Material Adverse Effect.</P>

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

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

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">is and has been operated by Seller in compliance with
all applicable Environmental Laws;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">is not the subject of any written notice received
by Seller from any governmental authority or other Person alleging the violation of or liability under, any applicable Environmental
Laws;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: left">is not currently subject to any court order, administrative
order or decree arising under any Environmental Law;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: left">has not been used by Seller or, to Seller&rsquo;s
knowledge, any other Person for the disposal of Hazardous Substances and, to Seller&rsquo;s knowledge, is not contaminated with
any Hazardous Substances requiring remediation or response under any applicable Environmental Law;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(v)</TD><TD STYLE="text-align: left">to Seller&rsquo;s knowledge, with respect to any Hazardous
Substances, the only use of any such Hazardous Substances has been in such amounts and types as is lawful under Environmental
Law; and</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vi)</TD><TD STYLE="text-align: left">to Seller&rsquo;s knowledge, has not had any releases,
emissions, or discharges of Hazardous Substances except as permitted under applicable Environmental Laws.</TD>
</TR></TABLE>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence
of Certain Changes or Events</U>. Since December 31, 2015, Seller has conducted its business represented by the Branches, Assets
and Assumed Liabilities only in the ordinary and usual course consistent with past practice, and no event has occurred that has
had, or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;Schedule 5.16(a) of the Seller Disclosure Schedule contains a complete, true and accurate list
as of December 29, 2016 of the Branch Employees, with such list indicating each Branch Employee&rsquo;s job title, status
(active or on statutory or employer approved leave and full-time or part-time), annual current salary or wage rate, incentive
compensation for performance year 2015 and 2016, business location, exempt/non-exempt status under the Fair Labor Standards
Act (as classified by Seller or its Affiliates), regularly scheduled hours, job band, annual vacation entitlement, applicable
incentive plan and date of hire (original and most recent as applicable). Schedule 5.16(a) of the Seller Disclosure Schedule
shall be updated by Seller and provided to Purchaser on dates that are mutually agreed to by Purchaser and Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
Benefit Plan in which the Branch Employees participate is a multiemployer plan within the meaning of Section 3(37) of ERISA or
a plan that has two or more contributing sponsors at least two of whom are not under common control within the meaning of Section
4063 of ERISA.</P>

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insurance
Coverage. The business and operations of the Branches are insured against such risks and in such amounts and with such coverage
deemed appropriate by management of Seller and not in a manner materially inconsistent with industry practice for financial institutions
comparable to Seller. To Seller&rsquo;s knowledge, no insurer has threatened termination of coverage under any insurance policies
and fidelity bonds that cover the assets, business, operations and employees of the Branches.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">5.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Limitations
on Representations and Warranties. Except for the representations and warranties specifically set forth in this Agreement, neither
Seller nor any of its agents, Affiliates or representatives, nor any other Person, makes or shall be deemed to make any representation
or warranty to Purchaser, express or implied, at law or in equity, with respect to the transactions contemplated hereby, and Seller
hereby disclaims any such representation or warranty whether by Seller or any of its officers, directors, employees, agents or
representatives or any other Person.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">Purchaser represents and warrants to Seller,
both as of the date hereof and as of the Closing Date (except for representations and warranties that are made as of a specified
date), as follows:</P>

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

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

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

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

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

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

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


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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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


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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">6.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Operation
of the Branches</U>. Purchaser intends to continue to provide retail and business banking services in the geographical area served
by the Branches.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">6.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Brokers&rsquo;
Fees</U>. Purchaser has not employed any broker or finder or incurred any liability for any brokerage fees, commissions or finders&rsquo;
fees in connection with the transactions contemplated by this Agreement, except for the fees and commissions of Monocacy Financial
Advisors, LLC, for which Purchaser shall be solely liable.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">6.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Financing
to be Available</U>. Purchaser&rsquo;s ability to consummate the transactions contemplated by this Agreement is not contingent
on raising any equity capital, obtaining financing therefor, consent of any lender or any other matter relating to funding the
P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">6.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Eligibility</U>.
As of the date hereof, Purchaser satisfies, and as of the Closing Date will satisfy, all requirements under applicable laws and
regulations to (1) acquire the Investment Management and Trust Services Relationships and (2) employ the trust officer and financial
advisor associated with the Investment Management and Trust Services Relationships.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">6.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Limitations
on Representations and Warranties</U>. Except for the representations and warranties specifically set forth in this Agreement,
neither Purchaser nor any of its agents, Affiliates or representatives, nor any other Person, makes or shall be deemed to make
any representation or warranty to Seller, express or implied, at law or in equity, with respect to the transactions contemplated
hereby, and Purchaser hereby disclaims any such representation or warranty whether by Purchaser or any of its officers, directors,
employees, agents or representatives or any other Person.</P>

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

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

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

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

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


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">Increase or agree to increase the salary or wage rate
and incentive opportunity of any Branch Employee, other than normal salary or wage increases in the ordinary course of business
consistent with past practice (however, such increases shall, in no event, increase the aggregate cash compensation for Branch
Employees by more than 3% on an annualized basis or for any individual Branch Employee by more than 10%);</TD>
</TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">Establish, adopt, enter into or amend any plan, agreement
or arrangement that provides incentive compensation, bonus or commissions exclusively for the benefit of the Branch Employees
that would result in any material increase in liability for Purchaser;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: left">(A) Transfer any Branch Employee to another branch,
facility or office of Seller or any of their respective Affiliates which is not a Branch, or (B) transfer any employee of Seller
or any of its Affiliates who, as of the date hereof, is not a Branch Employee to any Branch other than in the ordinary course
of business;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: left">Hire any employee for any of the Branches other than
in the ordinary course and consistent with past practices, including, with respect to the type of position filled and the compensation
and benefit levels;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(v)</TD><TD STYLE="text-align: left">Terminate any Branch Employee, except in the ordinary
course of business in accordance with existing personnel policies and practices of Seller;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vi)</TD><TD STYLE="text-align: left">Establish or price Deposits at any Branch other than
in the ordinary course of business consistent with Seller&rsquo;s past practices (including deposit pricing policies in effect
for such Branch as of the date hereof), subject to the limitation in (vii) below;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(vii)</TD><TD STYLE="text-align: left">Offer interest rates or terms on any category of Deposits
at any Branch in a manner inconsistent with Seller&rsquo;s past practice (except, as agreed to by the parties, to revise interest
rates or terms of Deposits as a result of then-current market conditions) or, without limiting the generality of the foregoing,
accept any brokered deposits at the Branches;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(viii)</TD><TD STYLE="text-align: left">Transfer to or from any Branch to or from any of Seller&rsquo;s
other operations or branches any material Assets or any Deposits, except (A) pursuant to an unsolicited customer request or (B)
if such Deposit is pledged as security for a loan or other obligation that is not a Loan;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ix)</TD><TD STYLE="text-align: left">enter into any contract in connection with the Branches
or the Assets that involves the payment of more than $10,000 per annum, unless such contract may be terminated on 60 days or less
notice without cause or penalty;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(x)</TD><TD STYLE="text-align: left">Amend, modify or extend any Loan, except in the manner
provided in Section 7.8;</TD>
</TR></TABLE>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xi)</TD><TD STYLE="text-align: left">Originate any loan at the Branch or that is attributed
to the Branch, except in the ordinary course of business consistent with Seller&rsquo;s approved lending policies as existed on
the date hereof;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xii)</TD><TD STYLE="text-align: left">Sell, transfer, assign, encumber or otherwise dispose
of or enter into any contract, agreement or understanding to sell, transfer, assign, encumber or dispose of any of the Assets
or Deposits existing on the date hereof, except in the ordinary course of business consistent with past practice;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xiii)</TD><TD STYLE="text-align: left">Make or agree to make any material improvements to
the Real Property, except normal maintenance or refurbishing purchased or made in the ordinary course of business;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xiv)</TD><TD STYLE="text-align: left">Close, sell, consolidate, relocate or materially alter
any Branch or otherwise file any application or give any notice to relocate or close any Branch;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xv)</TD><TD STYLE="text-align: left">with regard to the Branches, introduce material new
products or market promotions other than market promotions in the ordinary course of business and products and promotions already
scheduled to be introduced as of the date hereof;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xvi)</TD><TD STYLE="text-align: left">Release, compromise or waive any material claim or
right that is part of the Assets or the Assumed Liabilities; or</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(xvii)</TD><TD STYLE="text-align: left">Agree with, or commit to, any person to do any of
the things described in clauses (i) through (xvi) except as contemplated hereby.</TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Access
and Confidentiality</U>.</P>

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

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

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


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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
shall ensure that confidential information is (i) not accessible unsecure or unencrypted via remote access; (ii) not stored on
any unsecure or unencrypted laptop, portable storage device or media (including but not limited to compact discs, DVDs, flash drives
or other such devices) or other portable computing platform; and (iii) not transmitted electronically to any other entity in an
unsecure or unencrypted fashion except as expressly approved in writing by Seller.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Purchaser
shall notify Seller immediately following the discovery of any suspected or actual breach or compromise of the security, confidentiality,
or integrity of the confidential information (collectively, &ldquo;<U>Confidential Information Breach</U>&rdquo;). If requested
by Seller, Purchaser agrees to provide appropriate credit monitoring services for at least one year to all affected persons. Costs
associated with any Confidential Information Breach, including but not limited to the costs of credit monitoring, shall be the
sole responsibility of Purchaser.</P>

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

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

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


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents</U>.
Seller agrees to use reasonable best efforts to obtain from counterparties under Assumed Contracts, customers with an Investment
Management and Trust Services Relationship and any other parties the consent of which is required in order to assign or transfer
any Asset or Deposit to Purchaser on the Closing Date, any required consents to such assignment or transfer to Purchaser on the
Closing Date; <I>provided</I> that neither Seller nor any of its Affiliates shall be required to commence any litigation or offer
or grant any accommodation (financial or otherwise) to any third party to obtain such authorizations, approvals, consents, negative
clearances or waivers; and <I>provided</I>, <I>further</I>, that Seller shall not be obligated to incur <FONT STYLE="font-family: Times New Roman, Times, Serif">any
monetary obligations or expenditures to the parties whose consent is requested in connection with the utilization of its </FONT>reasonable
best efforts <FONT STYLE="font-family: Times New Roman, Times, Serif">to obtain any such required consents</FONT>. If any alternative
arrangement is implemented between Seller and Purchaser at or prior to the Closing, the parties shall continue after the Closing
to exercise reasonable best efforts to obtain the related consents that could not be obtained prior to the Closing.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Efforts
to Consummate; Further Assurances</U>.</P>

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

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

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

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

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Closing Date, Purchaser and Seller agree to promptly advise the other party of any change or event that, individually or
in the aggregate, would reasonably be expected to cause or constitute a breach in any material respect of any of its representations,
warranties or covenants contained herein.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Solicitation
of Accounts; Non-Solicitation</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Closing Date, Purchaser agrees that it will not attempt to solicit Branch customers through advertising nor transact its
business in a way intended to induce such customers to close any account and open accounts directly with Purchaser. Notwithstanding
the foregoing sentence, Purchaser and its Affiliates shall be permitted to (i) engage in advertising, solicitations or marketing
campaigns not targeted at such customers, and relationships that result therefrom, (ii) engage in lending, deposit, safe deposit,
trust or other financial services with customers who have relationships as of the date hereof through other offices of Purchaser
or product channels, (iii) respond to unsolicited inquiries by such customers with respect to banking or other financial services,
and engage in relationships that result therefrom, and (iv) provide notices or communications relating to the transactions contemplated
hereby in accordance with the provisions hereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
a period of one year following the Closing Date, Seller agrees that it will not attempt to solicit Branch customers through advertising
nor transact its business in a way intended to induce such customers to close any account and open accounts directly with Seller.
Notwithstanding the foregoing sentence, Seller and its Affiliates shall be permitted to (i) engage in advertising, solicitations
or marketing campaigns not targeted at such customers, and relationships that result therefrom, (ii) engage in lending, deposit,
safe deposit, trust or other financial services with customers who have relationships as of the date hereof through other offices
of Seller or product channels, and (iii) respond to unsolicited inquiries by such customers with respect to banking or other financial
services, and engage in relationships that result therefrom.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
a period of one (1) year following the Closing Date, Seller will not, and shall cause its Affiliates not to, solicit for employment
any Transferred Employee; <I>provided</I>, <I>however</I>, that nothing in this Section 7.6(c) shall be deemed to prohibit Seller
or its Affiliates from (i) making general solicitations not targeted at Transferred Employees (including job announcements in newspapers
and industry publications or on the Internet), (ii) soliciting any Transferred Employee whose employment is terminated by Purchaser
prior to Seller, or any of its Affiliates, soliciting such Transferred Employee, (iii) soliciting any Transferred Employee who
has not been employed by Purchaser or its Affiliates during the six (6) month period prior to the solicitation not otherwise permitted
hereunder or (iv) using employee search firms, so long as such employee search firms are not instructed to and do not engage in
targeted solicitations of Transferred Employees.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
any provision or part of this Section 7.6 is held by a court or other authority of competent jurisdiction to be invalid or unenforceable,
the parties agree that the court or authority making such determination will have the power to reduce the duration or scope of
such provision or to delete specific words or phrases as necessary (but only to the minimum extent necessary) to cause such provision
or part to be valid and enforceable. If such court or authority does not have the legal authority to take the actions described
in the preceding sentence, the parties agree to negotiate in good faith a modified provision that would, in so far as possible,
reflect the original intent of this Section 7.6 without violating applicable law.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>.
Seller will maintain in effect until the Closing Date all casualty and public liability policies relating to the Branches and maintained
by Seller on the date hereof or to procure comparable replacement coverage and maintain such policies or replacement coverage in
effect until the Closing. Purchaser shall provide all casualty and public liability insurance for the Branches after the Closing.
In the event of any material damage, destruction or condemnation affecting Real Property between the date hereof and the time of
the Closing, Purchaser shall have the right to exclude any Real Property so affected from the Assets to be acquired, require Seller
to take reasonable steps to repair or replace the damaged or destroyed property, or require Seller to deliver to Purchaser any
insurance proceeds and other payments, to the extent of the fair market value or the replacement cost of the Real Property, received
by Seller as a result thereof unless, in the case of damage or destruction, Seller has repaired or replaced the damaged or destroyed
property.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Servicing
Prior to Closing Date</U>. With respect to each of the Loans, from the date hereof until the Closing Date, Seller shall service
such Loans in a manner that is consistent with the servicing provided by Seller with respect to its loans that are not to be transferred
to Purchaser under the terms of this Agreement. Further, without the prior written consent of Purchaser (which consent shall not
be unreasonably withheld, conditioned or delayed), Seller shall not (a) except as required by law, regulation or the terms of the
Loan Documents, release any collateral or any party from any liability on or with respect to any of the Loans; (b) compromise or
settle any material claims of any kind or character with respect to the Loans; or (c) except as required by law or regulation or
to the extent consistent with prevailing market terms and in the ordinary course of business consistent in all material respects
with past practice, modify, amend or waive any of the material terms of any Loan as set forth in the Loan Documents.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">7.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Change
of Name, Etc.</U> Immediately after the Closing, Purchaser will (a) change the name and logo on all documents, Branches and other
facilities relating to the Assets and the Assumed Liabilities to Purchaser&rsquo;s name and logo, (b) notify all persons whose
Loans, Deposits or Safe Deposit Agreements are transferred under this Agreement of the consummation of the transactions contemplated
by this Agreement, and (c) provide all appropriate notices to the Maryland Office of the Commissioner of Financial Regulation,
the FDIC and any other Regulatory Authorities required as a result of the consummation of such transactions. Seller shall cooperate
with any commercially reasonable request of Purchaser directed to accomplish the removal of Seller&rsquo;s signage (or the removal
of signage of an Affiliate of Seller, if applicable) by Purchaser and the installation of Purchaser&rsquo;s signage by Purchaser;
<I>provided</I>, <I>however</I>, that (i) all such removals and all such installations shall be at the expense of Purchaser, (ii)
such removals and installations shall be performed in an environmentally friendly manner (including the recycling of such materials)
and in such a manner that does not unreasonably interfere with the normal business activities and operations of the Branches and
Purchaser shall repair any damage to the area altered to its pre-existing condition, (iii) such installed signage shall comply
all applicable zoning and permitting laws and regulations, (iv) such installed signage shall have, if necessary, received the prior
approval of the owner or landlord of the facility, and such installed signage shall be covered in such a way as to make Purchaser
signage unreadable at all times prior to the Closing, but such cover shall display the name and/or logo of Seller (or of its Affiliates)
in a manner reasonably acceptable to Seller and (v) if this Agreement is terminated prior to the Closing, Purchaser shall immediately
and at its sole expense restore such signage and any other area altered in connection therewith to its pre-existing condition.
During the fourteen (14) calendar day period following the Closing, Purchaser shall afford to Seller and its authorized agents
and representatives reasonable access during normal business hours to the Branches to allow Seller the opportunity to confirm Purchaser&rsquo;s
compliance with the terms of this Section 7.9.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: center; text-indent: 0in"><FONT STYLE="text-transform: uppercase"><B>ARTICLE
8</B></FONT><BR>
<BR>
<B><U>TAXES AND EMPLOYEE BENEFITS</U></B></P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">8.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Proration
of Taxes</U>. For purposes of this Agreement, in the case of any Straddle Period, (a) Property Taxes for the Pre-Closing Tax Period
shall be equal to the amount of such Property Taxes for the entire Straddle Period multiplied by a fraction, the numerator of which
is the number of days during the Straddle Period that are in the Pre-Closing Tax Period and the denominator of which is the number
of days in the entire Straddle Period, and (b) Taxes (other than Property Taxes) for the Pre-Closing Tax Period shall be computed
as if such taxable period ended as of the close of business on the Closing Date.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">8.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Sales
and Transfer Taxes</U>. Seller and Purchaser shall be equally responsible for the payment of all transfer, recording, documentary,
stamp, sales, use (including all bulk sales Taxes) and other similar Taxes and fees (collectively, the &ldquo;<U>Transfer Taxes</U>&rdquo;),
that are payable or that arise as a result of the P&amp;A Transaction, when due. Seller shall file any Tax Return that is required
to be filed in respect of Transfer Taxes described in this Section 8.3 when due, and Purchaser shall cooperate with respect thereto
as necessary.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">8.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Information
Returns</U>. At the Closing or as soon thereafter as is practicable, Seller shall provide Purchaser with a list of all Deposits
on which Seller is back-up withholding as of the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">8.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
of Amount Due under Article 8</U>. Any payment by Seller to Purchaser, or to Seller from Purchaser, under this Article 8 (other
than payments required by Section 8.3, which shall be paid when determined) to the extent due at the Closing may be offset against
any payment due the other party at the Closing. All subsequent payments under this Article 8 shall be made as soon as determinable
and shall be made as provided in Section 3.2(b) and bear interest from the date due to the date of payment at the Federal Funds
Rate.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">8.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assistance
and Cooperation</U>. After the Closing Date, each of Seller and Purchaser shall:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Make
available to the other and to any taxing authority as reasonably requested all relevant information, records, and documents relating
to Taxes with respect to the Assets, the Assumed Liabilities, or the operation of the Branches;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Provide
timely notice to the other in writing of any pending or proposed Tax audits (with copies of all relevant correspondence received
from any taxing authority in connection with any Tax audit or information request) or Tax assessments with respect to the Assets,
the Assumed Liabilities, or the operation of the Branches for taxable periods for which the other may have a liability under this
Agreement; and</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
party requesting assistance or cooperation shall bear the other party&rsquo;s reasonable out-of-pocket expenses in complying with
such request to the extent that those expenses are attributable to fees and other costs of unaffiliated third party service providers.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Offers
of Employment</U>. At least sixty (60) calendar days prior to the Closing Date, and effective as of the Closing Date, Purchaser
agrees that it shall, or shall cause one of its Affiliates to, offer employment to each Branch Employee who is employed by Seller
as of the Closing Date, subject to such Branch Employee satisfying standard pre-employment screening requirements (which shall
not include a credit check), and employ each such employee who has accepted the offer. Following the Closing Date, each Branch
Employee who accepts Purchaser&rsquo;s offer of employment shall, from and after the Transfer Date, be defined as a &ldquo;<U>Transferred
Employee</U>&rdquo; for purposes of this Agreement. Subject to the provisions of this Section 8.7, Transferred Employees shall,
if applicable, be subject to the employment terms, conditions and rules applicable to other similarly situated employees of Purchaser.
Nothing contained in this Agreement shall be construed as an employment contract between Purchaser and any Branch Employee or Transferred
Employee. Branch Employees not accepting an offer of employment by Purchaser will not be eligible for severance benefits from either
Purchaser or Seller. Any Branch Employee who does not satisfy the standard pre-employment screening requirements in compliance
with this Section 8.7(a) will be eligible for severance benefits from Seller.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Terms
of Offer</U>. Each Branch Employee shall be offered employment subject to the following terms and conditions:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-indent: -27pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">Each Branch Employee&rsquo;s base salary shall be
at least equivalent to the rate of annual base salary or regular hourly wage rate, as applicable, paid by Seller to such Branch
Employee as of the Business Day prior to the Closing Date, and such base salary or regular hourly rate shall not be decreased
involuntarily for a minimum of twelve (12) months following the closing date;</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-indent: -27pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">Each Branch Employee shall be eligible to receive
incentive compensation and employee benefits comparable to those available to other similarly situated employees of Purchaser,
as in effect from time to time; and</TD>
</TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 1.5in; text-indent: -27pt">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: left">Each Branch Employee shall be offered employment at
a job location that is no more than twenty (20) miles from such Branch Employee&rsquo;s primary workplace immediately prior to
the Closing Date.</TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severance
Payments</U>. With respect to any Transferred Employee whose employment is terminated by Purchaser for any reason other than cause
on or before the first anniversary of the Transfer Date, Purchaser shall pay to such Transferred Employee the greater of (i) the
amount of cash severance pay such Transferred Employee would have received if he or she separated from Seller under Seller&rsquo;s
severance policy as described in Schedule 8.7(c) of the Seller Disclosure Schedule, and (ii) the amount of cash severance pay payable
to such Transferred Employee under any applicable severance plan of Purchaser in effect at the time of such termination; <I>provided</I>,
<I>however</I>, in each case that such Transferred Employee shall be credited for service with Seller as described in Section 8.7(d)
of the Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Credit
for Service</U>. Purchaser shall cause each benefit plan, severance plan and time-off program maintained, sponsored, adopted or
contributed to by Purchaser or its Affiliates in which Transferred Employees are eligible to participate (collectively, the &ldquo;<U>Purchaser
Benefit Plans</U>&rdquo;), to take into account for all purposes under Purchaser Benefit Plans (but not for purposes of defined
benefit pension accruals under any defined benefit plan) the service of such employees with Seller or its Affiliates prior to the
Transfer Date to the same extent as such service was credited for the applicable purpose by Seller or the applicable Affiliate.
In addition, Purchaser shall cause each Transferred Employee to be immediately eligible to participate, without any waiting time,
in the Purchaser Benefit Plans.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Pre-Existing
Conditions</U>. Purchaser shall, and shall cause its Affiliates to, (i) waive limitations on benefits relating to any pre-existing
conditions of the Transferred Employees and their eligible dependents to the extent that such limitations were waived under the
applicable employee benefit or welfare plan in which such Transferred Employee participated prior to the Transfer Date, and (ii)
use reasonable best efforts to recognize for purposes of annual deductible and out-of-pocket limits under their health plans applicable
to Transferred Employees, deductible and out-of-pocket expenses paid by Transferred Employees and their respective dependents under
Seller&rsquo;s or any of its Affiliates&rsquo; health or welfare plans in the calendar year in which the Transfer Date occurs.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;<U>Vacation</U>. Seller shall pay to the Transferred Employees all accrued but unpaid vacation for periods
prior to the Transfer Date as soon as administratively practicable after the Transfer Date or as required by applicable Law,
but in no event later than thirty (30) Business Days after the Transfer Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Rollover
of 401(k) Plan Accounts</U>. Prior to the Closing Date and thereafter (as applicable), Purchaser shall take any and all action
as may be required, including, if necessary, amendments to the tax qualified defined contribution plan of Purchaser (the &ldquo;<U>Purchaser
401(k) Plan</U>&rdquo;), to permit each Transferred Employee to make rollover contributions of &ldquo;eligible rollover distributions&rdquo;
(within the meaning of Section 401(a)(31) of the Code, including loans) in cash and notes in the case of loans in an amount equal
to the eligible rollover distribution portion of the account balance distributable to such Transferred Employee from the tax qualified
defined contribution plan of Seller to the Purchaser 401(k) Plan.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Welfare
Benefits Generally</U>. (i) Seller and its Affiliates shall be solely responsible for (A) claims for Welfare Benefits and for workers&rsquo;
compensation, in each case that are incurred by or with respect to any Transferred Employee (and his or her spouse, dependents
or beneficiaries) before his or her Transfer Date, and (B) claims relating to COBRA Continuation Coverage (and for providing any
notices related thereto) attributable to &ldquo;qualifying events&rdquo; with respect to any Branch Employee who does not become
a Transferred Employee and his or her beneficiaries and dependents, whether occurring before, on or after the Closing Date; and
(ii) Purchaser and its Affiliates shall be solely responsible for (A) claims for Welfare Benefits and for workers compensation,
in each case that are incurred by or with respect to any Transferred Employee on or after his or her Transfer Date, and (B) claims
relating to COBRA Continuation Coverage attributable to &ldquo;qualifying events&rdquo; with respect to any Transferred Employee
and his or her beneficiaries and dependents that occur on or after such Transferred Employee&rsquo;s Transfer Date. For purposes
of the foregoing, (i) a medical/dental claim shall be considered incurred when the services are rendered, the supplies are provided
or prescription is actually filled, and not when the condition arose, (ii) a life insurance claim shall be considered incurred
on the date of death, (iii) a disability claim shall be considered incurred when the date of disability occurs and (iv) a workers&rsquo;
compensation claim shall be considered incurred on the date of the occurrence as determined under the applicable state regulations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Liabilities under Benefit Plans</U>. Except as expressly provided in this Section 8.7, (i)
Seller shall remain solely responsible for any and all liabilities and obligations arising under the Benefit Plans, and
Purchaser shall not assume or otherwise acquire any of the Benefit Plans, and (ii) for purposes of this Agreement,
liabilities under the Benefit Plans shall be considered Excluded Liabilities.</P>

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


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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No Third Party Rights or Amendment to Benefit Plans</U>. Nothing in this Agreement shall be
construed to grant any Branch Employee or Transferred Employee a right to continued employment by, or to receive any payments
or benefits from, Purchaser or Seller or their respective Affiliates or through any employee benefit plan. This Agreement
shall not limit Purchaser&rsquo;s or Purchaser&rsquo;s Affiliate&rsquo;s ability or right to amend or terminate any benefit
or compensation plan or program of Purchaser or its Affiliates and nothing contained herein shall be construed as an
amendment to or modification of any such plan. This Section 8.7 shall be binding upon and inure solely to the benefit of each
party to this Agreement, and nothing in this Section 8.7, express or implied, is intended to confer upon any other Person,
including, any current or former director, officer or employee of Seller or any of its Affiliates, any rights or remedies of
any nature whatsoever under or by reason of this Section 8.7.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">9.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Purchaser</U>. Unless waived in writing by Purchaser, the obligation of Purchaser to consummate the P&amp;A Transaction
is conditioned upon satisfaction of each of the following conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. The Regulatory Approvals shall have been made or obtained, and shall remain in full force and effect, and all waiting
periods applicable to the consummation of the P&amp;A Transaction shall have expired or been terminated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Orders</U>.
No court or governmental authority of competent jurisdiction shall have enacted, issued, promulgated, enforced or entered any statute,
rule, regulation, judgment, decree, injunction or other order (whether temporary, preliminary or permanent) (any of the foregoing,
an &ldquo;<U>Order</U>&rdquo;) that is in effect and that prohibits or makes illegal the consummation of the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. (i) The representations and warranties of Seller contained in Sections 5.1, 5.2(i), 5.13, 5.15 and 5.17 shall
be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though such representations
and warranties were made at and as of such time (except that representations and warranties as of a specified date need only be
true on and as of such date) and (ii) the other representations and warranties of Seller contained in this Agreement shall be true
in all respects in each case as of the date of this Agreement and as of the Closing Date (except that representations and warranties
as of a specified date need only be true on and as of such date); <I>provided</I>, <I>however</I>, that for purposes of determining
the satisfaction of the condition set forth in this Section 9.1(c)(ii), such representations and warranties shall be deemed to
be so true and correct if the failure or failures of such representations and warranties to be true and correct (such representations
and warranties to be read for this purpose without reference to any qualification set forth therein relating to &ldquo;materiality&rdquo;
or &ldquo;Material Adverse Effect&rdquo;) do not constitute, individually or in the aggregate, a Material Adverse Effect.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants
and Other Agreements</U>. Seller shall have performed its covenants and agreements herein on or prior to the Closing Date in all
material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Seller
Officers&rsquo; Certificate</U>. Purchaser shall have received at the Closing a certificate dated as of the Closing Date and executed
by the Chief Executive Officer, the Chief Financial Officer, the President or any Executive Vice President or Senior Vice President
of Seller to the effect that each of the conditions specified above in Sections 9.1(c) and (d) are satisfied in all respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;<U>Seller Closing Deliverables</U>. Seller shall have delivered to Purchaser each of the
certificates, instruments, agreements, documents and other items required to be delivered pursuant to Section 3.5 at or prior
to the Closing Date.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">9.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Seller</U>. Unless waived in writing by Seller, the obligation of Seller to consummate the P&amp;A Transaction
is conditioned upon satisfaction of each of the following conditions:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Approvals</U>. The Regulatory Approvals shall have been made or obtained, and
shall remain in full force and effect, and all waiting periods applicable to the consummation of the P&amp;A Transaction
shall have expired or been terminated.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Orders</U>.
No Order shall be in effect that prohibits or makes illegal the consummation of the P&amp;A Transaction.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>. (i) The representations and warranties of
Purchaser contained in Sections 6.1, 6.2(i), 6.7 and 6.8 shall be true and correct in all respects as of the date of this
Agreement and as of the Closing Date as though such representations and warranties were made at and as of such time (except
that representations and warranties as of a specified date need only be true on and as of such date) and (ii) the other
representations and warranties of Purchaser contained in this Agreement shall be true in all respects in each case as of the
date of this Agreement and as of the Closing Date as though such representations and warranties were made at and as of such
time (except that representations and warranties as of a specific date need to be true only as of such date); <I>provided</I>,<I>
however</I>, that for purposes of determining the satisfaction of the condition set forth in this Section 9.2(c)(ii), such
representations and warranties shall be deemed to be so true and correct if the failure or failures of such
representations and warranties to be true and correct (such representations and warranties to be read for this purpose
without reference to any qualification set forth therein relating to &ldquo;materiality&rdquo; or &ldquo;Material Adverse
Effect&rdquo;) do not constitute, individually or in the aggregate, a Material Adverse Effect.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Covenants
and Other Agreements</U>. Purchaser shall have performed its covenants and agreements herein on or prior to the Closing Date in
all material respects.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchaser
Officers&rsquo; Certificate</U>. Seller shall have received at the Closing a certificate dated as of the Closing Date and executed
by the Chief Executive Officer, the Chief Financial Officer, the President or any Executive Vice President or Senior Vice President
of Purchaser to the effect that each of the conditions specified above in Sections 9.2(c) and (d) are satisfied in all respects.</P>

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


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    <!-- Field: /Page -->

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Purchaser Closing Deliverables</U>. Purchaser shall have delivered to Seller each of the
certificates, instruments, agreements, documents and other items required to be delivered pursuant to Section 3.6 (in the
case of any assignment contemplated thereby, subject to delivery by Seller of any related requisite third-party consent) at
or prior to the Closing Date.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">10.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.
This Agreement may be terminated at any time prior to the Closing Date:</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
the mutual written agreement of Purchaser and Seller;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
Purchaser if (i) at the time of such termination any of the representations and warranties of Seller contained in this Agreement
shall not be true and correct to the extent that the condition set forth in Section 9.1(c) cannot be satisfied, or (ii) there shall
have been any material breach of any covenant, agreement or obligation of Seller hereunder to the extent that the condition set
forth in Section 9.1(d) cannot be satisfied, and, in the case of (i) or (ii), such breach or failure is not or cannot be remedied
by Seller within thirty (30) calendar days after receipt of notice in writing from Purchaser specifying the nature of such breach
or failure and requesting that it be remedied; <I>provided</I> that Purchaser may not terminate this Agreement based upon the failure
of the conditions set forth in Section 9.1(c) or Section 9.1(d) to be satisfied if such failure was caused by Purchaser&rsquo;s
breach of this Agreement or failure to act in good faith or Purchaser&rsquo;s or any of its representative&rsquo;s failure to use
reasonable best efforts to cause the Closing to occur;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;by Seller, if (i) at the time of such termination any of the representations and warranties of
Purchaser contained in this Agreement shall not be true and correct to the extent that the condition set forth in Section
9.2(c) cannot be satisfied, or (ii) there shall have been any breach of any covenant, agreement or obligation of Purchaser
hereunder to the extent that the condition set forth in Section 9.2(d) cannot be satisfied, and, in the case of (i) or (ii),
such breach or failure is not or cannot be remedied by Purchaser within thirty (30) calendar days after receipt of notice in
writing from Seller specifying the nature of such breach or failure and requesting that it be remedied; <I>provided</I> that
Seller may not terminate this Agreement based upon the failure of the conditions set forth in Section 9.2(c) or Section
9.2(d) to be satisfied if such failure was caused by Seller&rsquo;s or any of its representative&rsquo;s failure to act in
good faith or Seller&rsquo;s breach of this Agreement or failure to use reasonable best efforts to cause the Closing to
occur;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by
Seller or Purchaser, in the event the Closing has not occurred by the date that is nine (9) months after the date of this Agreement,
unless the failure to so consummate is due to a breach of this Agreement by the party seeking to terminate; or</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;by either Seller or Purchaser, if any governmental agencies or authorities that must grant a
Regulatory Approval has denied approval of the P&amp;A Transaction and such denial has become final and nonappealable or any
governmental agency or authority of competent jurisdiction shall have issued a final and nonappealable order permanently
enjoining or otherwise prohibiting the consummation of the P&amp;A Transaction.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">10.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect
of Termination</U>. In the event of termination of this Agreement and abandonment of the transactions contemplated hereby pursuant
to Section 10.1, except as set forth in this Agreement, no party hereto (or any of its directors, officers, employees, agents or
Affiliates) shall have any liability or further obligation to any other party, except that neither Seller nor Purchaser shall be
relieved or released from any liabilities or damages arising out of any willful breach of this Agreement.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">11.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Section 12.1, after the Closing, Seller shall indemnify and hold harmless Purchaser and any Person directly or indirectly controlling
or controlled by Purchaser, and their respective directors, officers, employees and agents, from and against any and all Losses
asserted against or incurred by Purchaser to the extent arising out of or resulting from the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">any breach of any representation or warranty made
by Seller in this Agreement (disregarding, in each case other than in the case of Section 5.15, for purposes of determining the
amount of any Loss (but not for purposes of determining whether there has been a breach), any qualification on any such <FONT STYLE="font-family: Times New Roman, Times, Serif">representation
or warranty as to </FONT>&ldquo;materiality,&rdquo; &ldquo;in all material respects,&rdquo; &ldquo;Material Adverse Effect&rdquo;
or similar materiality qualifications);</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">any breach of any covenant or agreement to be performed
by Seller pursuant to this Agreement;</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: justify">any Excluded Taxes; or</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iv)</TD><TD STYLE="text-align: justify">any Excluded Liability.</TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to Section 12.1, after the Closing, Purchaser shall indemnify and hold harmless Seller and any Person directly or indirectly controlling
or controlled by Seller, and their respective directors, officers, employees and agents, from and against any and all Losses asserted
against or incurred by Seller to the extent arising out of or resulting from the following:</P>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(i)</TD><TD STYLE="text-align: left">any breach of any representation or warranty made
by Purchaser in this Agreement (disregarding, in each case, for purposes of determining the amount of any Loss (but not for purposes
of determining whether there has been a breach), any qualification on any such <FONT STYLE="font-family: Times New Roman, Times, Serif">representation
or warranty as to </FONT>&ldquo;materiality,&rdquo; &ldquo;in all material respects,&rdquo; &ldquo;Material Adverse Effect&rdquo;
or similar materiality qualifications);</TD>
</TR></TABLE>

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


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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(ii)</TD><TD STYLE="text-align: left">any breach of any covenant or agreement to be performed
by Purchaser pursuant to this Agreement; or</TD>
</TR></TABLE>

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

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 1in"></TD><TD STYLE="width: 0.5in; text-align: left">(iii)</TD><TD STYLE="text-align: left">the Assumed Liabilities or any responsibility, obligation,
duty, legal action, administrative or judicial proceeding, claim, penalty or liability arising out of Purchaser&rsquo;s ownership
or operation from and after the Closing of the business represented by the Branches, the Assets or the Assumed Liabilities.</TD>
</TR></TABLE>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
exercise its indemnification rights under this Section 11.1 as a result of the assertion against it of any claim or potential liability
for which indemnification is provided, the indemnified party shall promptly notify the indemnifying party of the assertion of such
claim, discovery of any such potential liability or the commencement of any action or proceeding in respect of which indemnity
may be sought hereunder (including, with respect to claims arising from a breach of representation or warranty made in Article
8, the commencement of an audit, administrative investigation or judicial proceeding by any governmental authority); <I>provided</I>,<I>
however</I>,<I> </I>that, subject to the Survival Periods set forth in Section 12.1(a), any delay or failure by the indemnified
party to give notice shall not relieve the indemnifying party of its obligations hereunder except to the extent, if at all, that
the indemnifying party is actually and materially prejudiced by reason of such delay or failure. The indemnified party shall advise
the indemnifying party of all facts relating to such assertion within the knowledge of the indemnified party, and shall afford
the indemnifying party the opportunity, at the indemnifying party&rsquo;s sole cost and expense, to defend against such claims
for liability. In any such action or proceeding, the indemnified party shall have the right to retain its own counsel, but the
fees and expenses of such counsel shall be at its own expense unless (i) the indemnifying party and the indemnified party mutually
agree to the retention of such counsel or (ii) the named parties to any such suit, action, or proceeding (including any impleaded
parties) include both the indemnifying party and the indemnified party, and in the reasonable judgment of the indemnified party,
representation of the indemnifying party and the indemnified party by the same counsel would be inadvisable due to actual or potential
differing defenses or conflicts of interests between them.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
party to this Agreement shall settle, compromise, discharge or consent to an entry of judgment with respect to a claim or liability
subject to indemnification under this Article 11 without the other party&rsquo;s prior written consent (which consent shall not
be unreasonably withheld, conditioned or delayed); <I>provided</I> that the indemnifying party may agree without the prior written
consent of the indemnified party to any settlement, compromise, discharge or consent to an entry of judgment in each case that
by its terms (i) obligates the indemnifying party to pay the full amount of the liability in connection with such claim and that
unconditionally releases the indemnified party and its Affiliates from all liability or obligation in connection with such claim
and (ii) does not impose injunctive or other non-monetary equitable relief against the indemnified party or its Affiliates, or
their respective businesses.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything to the contrary contained in this Agreement, an indemnifying party shall not be liable under Section 11.1(a)(i) or Section
11.1(b)(i) for any Losses sustained by the indemnified party unless and until the aggregate amount of all indemnifiable Losses
sustained by the indemnified party shall exceed $150,000 (the &ldquo;<U>Deductible</U>&rdquo;), in which event the indemnifying
party shall provide indemnification hereunder in respect of all such indemnifiable Losses in excess of the Deductible;<I> provided</I>,<I>
however</I>,<I> </I>that the maximum aggregate amount of indemnification payments payable by Seller pursuant to Section 11.1(a)(i)
or by Purchaser pursuant to Section 11.1(b)(i), as applicable, shall be $2,000,000. In no event shall either party hereto be entitled
to consequential or punitive damages or damages for lost profits in any action relating to the subject matter of this Agreement.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(f)&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding the foregoing, if a third party claim includes or would
reasonably be expected to include both a claim for Taxes that are Assumed Liabilities pursuant to Section 2.2(a)(vii)
(&ldquo;<U>Purchaser Taxes</U>&rdquo;) and a claim for Taxes that are not Assumed Liabilities pursuant to Section 2.2(a)(vii)
(&ldquo;<U>Seller Taxes</U>&rdquo;), and such claim for Seller Taxes is not separable from such a claim for Purchaser Taxes,
Purchaser (if the claim for Purchaser Taxes exceeds or reasonably would be expected to exceed in amount the claim for Seller
Taxes) or otherwise Seller (Seller or Purchaser, as the case may be, the &ldquo;<U>Controlling Party</U>&rdquo;) shall be
entitled to control the defense of such third party claim (such third party claim, a &ldquo;<U>Tax Claim</U>&rdquo;). In such
case, the other party (Seller or Purchaser, as the case may be, the &ldquo;<U>Non-Controlling Party</U>&rdquo;) shall
be entitled to participate fully (at the Non-Controlling Party&rsquo;s sole expense) in the conduct of such Tax Claim and the
Controlling Party shall not settle such Tax Claim without the consent of such Non-Controlling Party (which consent shall not
be unreasonably withheld, conditioned or delayed). The costs and expenses of conducting the defense of such Tax Claim shall
be reasonably apportioned based on the relative amounts of the Tax Claim that are Seller Taxes and that are Purchaser
Taxes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise required pursuant to a &ldquo;determination&rdquo; within the meaning of Section 1313(a) of the Code (or any comparable
provision of state, local or foreign Law), Seller, Purchaser, and their respective Affiliates shall treat any and all payments
under this Article 11 as an adjustment to the Purchase Price for all Tax purposes.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
indemnified party shall use reasonable best efforts to mitigate any claim or liability that such indemnified party asserts under
this Article 11. In the event that an indemnified party shall fail to use such reasonable best efforts to mitigate any claim or
liability, then notwithstanding anything else to the contrary contained in this Agreement, the indemnifying party shall not be
required to indemnify any indemnified party for any portion of a Loss that could reasonably be expected to have been avoided if
the indemnified party had made such efforts.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">11.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exclusivity</U>.
After the Closing, except as expressly set forth in Sections 2.4, 4.3(b), 4.8, 7.4(a) and 8.3, and except in the case of common
law fraud in connection with entering into this Agreement, this Article 11 will provide the exclusive remedy for any misrepresentation,
breach of warranty, covenant or other agreement or other claim arising out of this Agreement or the transactions contemplated hereby;
<I>provided</I> that it is understood and agreed that the foregoing shall not prevent a party from obtaining specific performance,
injunctive relief or any other available non-monetary equitable remedy.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">11.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>AS-IS
Sale; Waiver of Warranties</U>. Except for the representations and warranties set forth in this Agreement, Purchaser acknowledges
that the Assets and Assumed Liabilities are being sold and accepted on an &ldquo;AS-IS-WHERE-IS&rdquo; basis, and are being accepted
without any representation or warranty. As part of Purchaser&rsquo;s agreement to purchase and accept the Assets and Assumed Liabilities
AS-IS-WHERE-IS, and not as a limitation on such agreement, TO THE FULLEST EXTENT PERMITTED BY LAW, SELLER HEREBY DISCLAIMS AND
PURCHASER HEREBY UNCONDITIONALLY AND IRREVOCABLY WAIVES AND RELEASES ANY AND ALL ACTUAL OR POTENTIAL RIGHTS PURCHASER MIGHT HAVE
AGAINST SELLER OR ANY PERSON DIRECTLY OR INDIRECTLY CONTROLLING SELLER REGARDING ANY FORM OF WARRANTY, EXPRESS OR IMPLIED, OF ANY
KIND OR TYPE, RELATING TO THE ASSETS AND ASSUMED LIABILITIES INCLUDING THE LOANS AND/OR THE COLLATERAL THEREFOR EXCEPT THOSE SET
FORTH IN THIS AGREEMENT. SUCH WAIVER AND RELEASE IS, TO THE FULLEST EXTENT PERMITTED BY LAW, ABSOLUTE, COMPLETE, TOTAL AND UNLIMITED
IN EVERY WAY. SUCH WAIVER AND RELEASE INCLUDES TO THE FULLEST EXTENT PERMITTED BY LAW, A WAIVER AND RELEASE OF EXPRESS WARRANTIES
(EXCEPT THOSE REPRESENTATIONS AND WARRANTIES OTHERWISE SET FORTH IN THIS AGREEMENT), IMPLIED WARRANTIES, WARRANTIES OF FITNESS
FOR A PARTICULAR USE, WARRANTIES OF MERCHANTABILITY, WARRANTIES OF HABITABILITY, STRICT LIABILITY RIGHTS AND CLAIMS OF EVERY KIND
AND TYPE, INCLUDING CLAIMS REGARDING DEFECTS WHICH WERE NOT OR ARE NOT DISCOVERABLE, ALL OTHER EXTANT OR LATER CREATED OR CONCEIVED
OF STRICT LIABILITY OR STRICT LIABILITY TYPE CLAIMS AND RIGHTS.</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Survival</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
parties&rsquo; respective representations and warranties contained in this Agreement shall survive until the eighteenth (18th)
month anniversary of the Closing Date; <I>provided</I>, <I>however</I>,<I> </I>that (i) each of the representations and warranties
of parties set forth in Sections 5.1 and 6.1 shall survive until the sixth (6th) anniversary of the Closing Date and (ii) the representations
and warranties set forth in Section 5.9 shall survive until the expiration of the applicable statute of limitations, and thereafter
neither party may claim any Loss in relation to a breach thereof (each such specified period, a &ldquo;<U>Survival Period</U>&rdquo;);
<I>provided</I>, <I>however</I>, that the claims set forth in any claim for indemnity made by an indemnified party on or prior
to the applicable Survival Period shall survive until such claim is finally resolved. The agreements and covenants contained in
this Agreement shall survive the Closing until performed in full or the obligation to so perform shall have expired.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No
claim based on any breach of any representation or warranty shall be valid or made unless notice with respect thereto is given
to the indemnifying party in accordance with this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment</U>.
Neither this Agreement nor any of the rights, interests or obligations of either party may be assigned by either party hereto without
the prior written consent of the other party, and any purported assignment in contravention of this Section 12.2 shall be void.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding
Effect</U>. This Agreement and all of the provisions hereof shall be binding upon and inure to the benefit of the parties hereto
and their respective successors and permitted assigns.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Public
Notice</U>. Prior to the Closing Date, neither Purchaser nor Seller shall make or cause to be made any press release for general
circulation, public announcement or disclosure or issue any notice or general communication to employees or customers with respect
to any of the transactions contemplated hereby (each, a &ldquo;<U>Public Notice</U>&rdquo;) without the prior written consent of
the other party (which consent shall not be unreasonably withheld, conditioned or delayed). Purchaser and Seller each agree that,
without the other party&rsquo;s prior written consent, it shall not release or disclose any of the terms or conditions of the transactions
contemplated herein to any other Person (other than any bank Regulatory Authority). Notwithstanding the foregoing, each party may
make a Public Notice as, based on the advice of its counsel, may be required by law or as necessary to obtain the Regulatory Approvals.
Except with respect to a Public Notice issued by Purchaser or any of its Affiliates in compliance with the terms of this Section
12.4 that announces the execution of this Agreement or the consummation of the transactions contemplated hereby, no Public Notice
issued by Purchaser or any of its Affiliates shall reference the name of Seller or any of its Affiliates without the prior written
consent of Seller (which consent Seller may withhold, condition or delay in its sole discretion).</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.
All notices, requests, demands, consents and other communications given or required to be given under this Agreement and under
the related documents shall be in writing and delivered to the applicable party at the address indicated below:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 2.5in; text-indent: -1.5in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 35%; padding-left: 1in; text-indent: 0in">If to Seller:</td>
    <TD STYLE="width: 65%; text-indent: 0in">Northwest Bank</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in">&nbsp;</td>
    <TD>100 Liberty Street</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in">&nbsp;</td>
    <TD>Warren, Pennsylvania</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in">&nbsp;</td>
    <TD>Attention: William J. Wagner, Chief Executive Officer</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Fax: (814) 726-1980</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">With a copy to:</td>
    <TD STYLE="text-indent: 0in">Luse Gorman, PC</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">5335 Wisconsin Avenue, NW</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Suite 780</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Washington, D.C. 20015</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Marc Levy</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Fax: (202) 362-2902</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">and</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Northwest Bank</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">100 Liberty Street</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Warren, Pennsylvania</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Richard Laws, Esq., Chief Counsel</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Fax: (814) 726-1980</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
    <!-- Field: /Page -->

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 35%; padding-left: 1in; text-indent: 0in">If to Purchaser:</td>
    <TD STYLE="width: 65%; text-indent: 0in">Shore United Bank</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">18 East Dover Street</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Easton, MD 21601</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: &nbsp;Lloyd (Scott) Beatty, Jr.</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Fax: &nbsp;(410) 822-7265</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">With a copy to:</td>
    <TD STYLE="text-indent: 0in">Holland &amp; Knight LLP</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">800 17<sup>th</sup> Street, N.W., Suite 1100</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Washington, DC 20006</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Attention: Kevin Houlihan</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="padding-left: 1in; text-indent: 0in">&nbsp;</td>
    <TD STYLE="text-indent: 0in">Fax: (202) 955-5564</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">or, as to each party at such other address as shall be designated
by such party in a written notice to the other party complying as to delivery with the terms of this Section 12.5. Any notices
shall be in writing, including telegraphic or facsimile communication, and may be sent by registered or certified mail, return
receipt requested, postage prepaid, or by fax, or by overnight delivery service. Notice shall be effective upon actual receipt
thereof.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses</U>.
Except as expressly provided otherwise in this Agreement, each party shall bear any and all costs and expenses that it incurs,
or that may be incurred on its behalf, in connection with the preparation of this Agreement and consummation of the transactions
described herein, and the expenses, fees, and costs necessary for any approvals of the appropriate Regulatory Authorities.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing
Law; Consent to Jurisdiction</U>. This Agreement shall be governed by and interpreted in accordance with the laws of the State
of Maryland applicable to agreements made and entirely to be performed in such state and without regard to its principles of conflict
of laws. The parties hereto agree that any suit, action or proceeding seeking to enforce any provision of, or based on any matter
arising out of or in connection with, this Agreement or the transactions contemplated hereby shall be brought in any federal or
state court sitting in the State of Maryland.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver
of Jury Trial</U>. The parties hereby waive, to the fullest extent permitted by law, any right to trial by jury of any claim, demand,
action, or cause of action (i)&nbsp;arising under this Agreement or (ii) in any way connected with or related or incidental to
the dealings of the parties in respect of this Agreement or any of the transactions contemplated hereby, in each case, whether
now existing or hereafter arising, and whether in contract, tort, equity, or otherwise. The parties hereby further agree and consent
that any such claim, demand, action, or cause of action shall be decided by court trial without a jury and that the parties may
file a copy of this Agreement with any court as written evidence of the consent of the parties to the waiver of their right to
trial by jury.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire
Agreement; Amendment</U>.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement contains the entire understanding of and all agreements between the parties hereto with respect to the subject matter
hereof and supersedes any prior or contemporaneous agreement or understanding, oral or written, pertaining to any such matters,
which agreements or understandings shall be of no force or effect for any purpose; <I>provided</I>,<I> however</I>,<I> </I>that
the terms of any confidentiality agreement the parties hereto previously entered into shall, to the extent not inconsistent with
any provisions of this Agreement, continue to apply until the Closing.</P>

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


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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Agreement may not be amended or supplemented in any manner except by mutual agreement of the parties and as set forth in a writing
signed by the parties hereto or their respective successors in interest. The waiver of any breach of any provision under this Agreement
by any party shall not be deemed to be waiver of any preceding or subsequent breach under this Agreement. No such waiver shall
be effective unless in writing.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Third
Party Beneficiaries</U>. Except as expressly provided in Section 11.1, this Agreement shall not benefit or create any right or
cause of action in or on behalf of any person other than Seller and Purchaser.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.
This Agreement may be executed in any number of counterparts, each of which shall be deemed an original, but all of which together
shall constitute one and the same instrument. A facsimile copy or electronic transmission of a signature page shall be deemed to
be an original signature page.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Headings</U>.
The headings used in this Agreement are inserted for purposes of convenience of reference only and shall not limit or define the
meaning of any provisions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.
If any provision of this Agreement, as applied to any party or circumstance, shall be judged by a court of competent jurisdiction
to be void, invalid or unenforceable, the same shall in no way effect any other provision of this Agreement, the application of
any such provision and any other circumstances or the validity or enforceability of the other provisions of this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Interpretation</U>.
When a reference is made in this Agreement to Articles, Sections or Exhibits, such reference shall be to an Article, Section of
or Exhibit to this Agreement unless otherwise indicated. The Recitals hereto constitute an integral part of this Agreement. References
to Sections include subsections, which are part of the related Section (e.g., a section numbered &ldquo;Section 5.13(a)&rdquo;
would be part of &ldquo;Section 5.13&rdquo; and references to &ldquo;Section 5.13&rdquo; would also refer to material contained
in the subsection described as &ldquo;Section 5.13(a)&rdquo;). The table of contents, index and headings contained in this Agreement
are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words
&ldquo;include,&rdquo; &ldquo;includes&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed to be
followed by the words &ldquo;without limitation.&rdquo; The phrases &ldquo;the date of this Agreement,&rdquo; &ldquo;the date hereof&rdquo;
and terms of similar import, unless the context otherwise requires, shall be deemed to refer to the date set forth in the Preamble
to this Agreement.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 0.5in">12.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific
Performance</U>. The parties hereto agree that irreparable damage would occur if any provision of this Agreement were not performed
in accordance with the terms hereof (and, more specifically, that irreparable damage would likewise occur if the P&amp;A Transaction
was not consummated), and, accordingly, that the parties shall be entitled, without the necessity of posting a bond or other security,
to an injunction or injunctions to prevent breaches of this Agreement or to enforce specifically the performance of the terms and
provisions hereof (including the parties&rsquo; obligation to consummate the P&amp;A Transactions, subject to the terms and conditions
of this Agreement).</P>

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 31.5pt"><B>&nbsp;</B></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 31.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0; text-indent: 31.5pt"><B>IN WITNESS WHEREOF</B>,<B> </B>the parties
hereto have caused this Agreement to be executed by their duly authorized officers as of the date and year first above written.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0 0 0 3in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">NORTHWEST BANK</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD STYLE="width: 50%">&nbsp;</td>
    <TD STYLE="width: 4%">By:</td>
    <TD STYLE="width: 46%; border-bottom: Black 1pt solid">/s/ William J. Wagner</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>Name: William J. Wagner,</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-decoration: none">Title: President and Chief Executive Officer</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">SHORE UNITED BANK</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <td colspan="2">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>By:</td>
    <TD STYLE="border-bottom: Black 1pt solid">/s/ Patrick M. Bilbrough</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>Name: Patrick M. Bilbrough</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>Title: President and Chief Executive Officer</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>


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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>v456629_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Shore United Bank Expands Maryland
Operations with Acquisition of Three Branches in the Greater Baltimore Metro Areas of Elkridge, Owings Mills and Arbutus from Northwest
Bank</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">EASTON, Md. and WARREN, Pa., January
10, 2017 /PR Newswire/-- Shore Bancshares, Inc. (NASDAQ: SHBI) announced today that its banking subsidiary, Shore United Bank,
has entered into a purchase and assumption agreement to acquire three bank branches located in the greater Baltimore, Maryland
metropolitan area with approximately $214 million in deposits, $152 million of performing loans and $40 million of cash from Northwest
Bank, the bank subsidiary of Northwest Bancshares, Inc. (NASDAQ: NWBI). This acquisition provides Shore United Bank with the opportunity
to enhance its footprint in Maryland by extending its branch network across the Eastern Shore to the greater Baltimore area communities
of Elkridge, Owings Mills and Arbutus.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">The premium to be paid on the deposits
to be transferred is 8.0%. Excluding estimated transaction expenses, the transaction is currently anticipated to generate additional
pre-tax income of approximately $1.7 million and $2.5 million in 2017 and 2018, respectively. Upon completion of the transaction,
Shore Bancshares, Inc. is expected to have approximately $1.35 billion in total assets.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Both banks are working closely together
to ensure a seamless transition for the customers and employees. Shore United Bank plans to retain all employees at these branch
locations.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&ldquo;We are excited to announce this
transaction and look forward to having our new customers and employees join the Shore United team,&rdquo; noted Shore Bancshares&rsquo;
President and Chief Executive Officer, Lloyd L. &ldquo;Scott&rdquo; Beatty, Jr. &ldquo;These branches are a natural extension of
our Eastern Shore base of operations and the transaction reflects our announced intention to expand our footprint through accretive
acquisition opportunities. The acquisition will provide us with the liquidity to support future growth as well as a significant
amount of performing loans, both of which will strengthen our franchise value.&rdquo; Pat Bilbrough, Shore United Bank&rsquo;s
President and Chief Executive Officer, added &ldquo;we believe our new customers will be pleased with our personalized approach
to banking, our competitive banking products and services and our commitment to our people and our communities.&rdquo;</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">William J. Wagner, Chairman, President
and CEO of Northwest Bank stated &ldquo;Northwest is pleased to have the opportunity to transfer these branches to Shore, given
its long-standing tradition of success as a Maryland-based community bank. We believe the employees and customers of these offices
will embrace the products, services and culture of Shore, which are remarkably similar to Northwest. After thoroughly vetting the
merits of this potential divestiture, we concluded that the transaction with Shore presented a reasonable financial return, while
providing significant opportunities for our company to devote additional resources to the markets in Pennsylvania, New York and
Ohio where we have a more significant presence and greater opportunities for success.&rdquo;</P>

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

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

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Subject to customary closing conditions,
including the receipt of all necessary regulatory approvals, the acquisition is expected to be completed during the second quarter
of 2017. Customers of the acquired branches will receive detailed information regarding the transfer of their accounts in the next
few months.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Monocacy Financial Advisors, LLC is
serving as financial advisor to Shore United Bank and Holland &amp; Knight LLP is serving as legal advisor. Sandler O&rsquo;Neill
+ Partners, LLP is serving as financial advisor to Northwest Bank and Luse Gorman, PC is serving as legal advisor.</P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>About Shore Bancshares, Inc.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Shore Bancshares, Inc. is a financial
holding company headquartered in Easton, Maryland and is the largest independent bank holding company located on Maryland&rsquo;s
Eastern Shore. It is the parent company of Shore United Bank; one retail insurance producer firm, The Avon-Dixon Agency, LLC (&ldquo;Avon-Dixon&rdquo;),
with two specialty lines, Elliott Wilson Insurance (Trucking) and Jack Martin Associates (Marine); and an insurance premium finance
company, Mubell Finance, LLC (&ldquo;Mubell&rdquo;). Shore Bancshares Inc. engages in trust and wealth management services through
Wye Financial &amp; Trust, a division of Shore United Bank.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Additional information is available
at&nbsp;<FONT STYLE="color: Blue"><U>www.shorebancshares.com</U></FONT>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>About Northwest Bancshares, Inc.</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Headquartered in Warren, Pennsylvania,
Northwest Bancshares, Inc. is the holding company of Northwest Bank. Founded in 1896, Northwest Bank is a full-service financial
institution offering a complete line of business and personal banking products, employee benefits and wealth management services,
as well as the fulfillment of business and personal insurance needs. Northwest operates 167 full-service community banking offices
and nine free-standing drive-up facilities in Pennsylvania, New York, Ohio and Maryland and 49 consumer finance offices in Pennsylvania
through its subsidiary, Northwest Consumer Discount Company. Northwest Bancshares, Inc.&rsquo;s common stock is listed on the NASDAQ
Global Select Market (&ldquo;NWBI&rdquo;). Additionally, information regarding Northwest Bancshares, Inc. and Northwest Bank can
be accessed on-line at www.northwest.com.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>Forward-Looking Statements</B></P>

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

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">The statements contained herein that
are not historical facts are forward-looking statements (as defined by the Private Securities Litigation Reform Act of 1995) based
on current expectations and beliefs concerning future developments and their potential effects on the respective companies. Such
statements involve inherent risks and uncertainties, many of which are difficult to predict and are generally beyond the control
of the respective companies. There can be no assurance that future developments affecting the respective companies will be the
same as those anticipated by management. These statements are evidenced by terms such as &ldquo;anticipate,&rdquo; &ldquo;estimate,&rdquo;
&ldquo;should,&rdquo; &ldquo;expect,&rdquo; &ldquo;believe,&rdquo; &ldquo;intend,&rdquo; and similar expressions. Although these
statements reflect the Companies&rsquo; good faith beliefs and projections, they are not guarantees of future performance and they
may not prove true. These projections involve risk and uncertainties that could cause actual results to differ materially from
those addressed in the forward-looking statements. Readers should not place under reliance on such forward-looking statements,
which speak only as of the date made. For a discussion of these risks and uncertainties, see the section of the periodic reports
filed by Shore Bancshares, Inc. and Northwest Bancshares, Inc., respectively, with the Securities and Exchange Commission entitled
&ldquo;Risk Factors&rdquo;.</P>

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

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

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

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">Each of the Companies specifically
disclaims any obligation to update any factors or to publicly announce the result of revisions to any of the forward-looking statements
included herein to reflect future events or developments.</P>

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

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 49%; padding: 1.15pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Shore Bancshares Inc. contacts:</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; text-indent: -9pt">Lloyd L. (Scott) Beatty, Jr., President
        and Chief Executive Officer (410) 819-3052</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; text-indent: -9pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 9pt; text-indent: -9pt">Edward C. Allen, Senior Vice President
        and Chief Financial Officer (443) 262-9319</P></TD>
    <TD STYLE="width: 51%; padding: 1.15pt">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.2pt"><B>Northwest Bancshares, Inc.
        contacts:</B></P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 12.25pt; text-indent: 0.2pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.45pt; text-indent: -9pt">William J. Wagner, President
        and Chief Executive Officer (814) 726-2140</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.45pt; text-indent: -9pt">&nbsp;</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 21.45pt; text-indent: -9pt">William W. Harvey, Jr., Senior
        Executive Vice President and Chief Financial Officer (814) 726-2140</P></TD></TR>
</TABLE>
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