<SEC-DOCUMENT>0001564590-20-046022.txt : 20201007
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<ACCEPTANCE-DATETIME>20201007161542
ACCESSION NUMBER:		0001564590-20-046022
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		17
CONFORMED PERIOD OF REPORT:	20201007
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Regulation FD Disclosure
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20201007
DATE AS OF CHANGE:		20201007

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC
		CENTRAL INDEX KEY:			0000862831
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				160816610
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26481
		FILM NUMBER:		201229269

	BUSINESS ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
		BUSINESS PHONE:		5857861100

	MAIL ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
</SEC-HEADER>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:4pt;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:1pt;">&#160;</p>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:18pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">SECURITIES AND EXCHANGE COMMISSION</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WASHINGTON, D.C. 20549 </p>
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<p style="text-align:center;margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:18pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FORM <ix:nonNumeric id="F_000000" name="dei:DocumentType" contextRef="C_0000862831_20201007_20201007">8-K</ix:nonNumeric> </p>
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<p style="text-align:center;margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CURRENT REPORT </p>
<p style="text-align:center;margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 </p>
<p style="text-align:center;margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Date of Report (Date of earliest event reported): <ix:nonNumeric id="F_000002" name="dei:DocumentPeriodEndDate" contextRef="C_0000862831_20201007_20201007" format="ixt:datemonthdayyearen">October 7, 2020</ix:nonNumeric> </p>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:7.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">of Incorporation)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:11pt;">&#160;</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000009" name="dei:EntityAddressAddressLine1" contextRef="C_0000862831_20201007_20201007">220 Liberty Street</ix:nonNumeric> </p>
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<p style="line-height:2pt;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:4pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000012" name="dei:EntityAddressPostalZipCode" contextRef="C_0000862831_20201007_20201007">14569</ix:nonNumeric></p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:7.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(Address of Principal Executive Offices)</p></td>
<td valign="bottom" style="padding-left:7.2pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:33%;">
<p style="line-height:2pt;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:4pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
<td valign="bottom" style="width:33%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:7.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(Zip Code)</p></td>
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<p style="text-align:center;margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Registrant&#8217;s Telephone Number, Including Area Code: (<ix:nonNumeric id="F_000013" name="dei:CityAreaCode" contextRef="C_0000862831_20201007_20201007">585</ix:nonNumeric>) <ix:nonNumeric id="F_000014" name="dei:LocalPhoneNumber" contextRef="C_0000862831_20201007_20201007">786-1100</ix:nonNumeric> </p>
<p style="text-align:center;margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Not Applicable </p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:7.5pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">(Former Name or Former Address, if Changed Since Last Report) </p>
<p style="text-align:center;margin-top:9pt;line-height:4pt;border-bottom:Solid 1pt;padding-bottom:1pt;margin-bottom:0pt;margin-left:40%;margin-right:40%;text-indent:0%;font-size:6pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instructions A.2. below): </p>
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<p style="margin-top:9pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </p></td></tr></table></div>
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<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
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<p style="margin-top:9pt;margin-bottom:0pt;font-family:Segoe UI Symbol;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="font-family:Segoe UI Symbol;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000016" name="dei:SolicitingMaterial" contextRef="C_0000862831_20201007_20201007" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p></td>
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<p style="margin-top:9pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </p></td></tr></table></div>
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<table border="0" cellspacing="0" cellpadding="0" style="border-collapse:collapse; width:100%;">
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<p style="margin-top:9pt;margin-bottom:0pt;font-family:Segoe UI Symbol;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><span style="font-family:Segoe UI Symbol;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000017" name="dei:PreCommencementTenderOffer" contextRef="C_0000862831_20201007_20201007" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p></td>
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<p style="margin-top:9pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </p></td></tr></table></div>
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<p style="margin-top:9pt;margin-bottom:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:10pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </p></td></tr></table></div>
<p style="margin-bottom:3pt;margin-top:6pt;text-indent:0%;font-family:Times New Roman Bold;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934:</p>
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<td style="width:35.51%;"></td>
<td style="width:27.25%;"></td>
<td style="width:37.41%;"></td>
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<td valign="middle">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman Bold;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Title of each class</p></td>
<td valign="middle">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman Bold;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Trading Symbol(s)</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-family:Times New Roman Bold;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Name of each exchange on which registered</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000019" name="dei:Security12bTitle" contextRef="C_0000862831_20201007_20201007">Common stock, par value $0.01 per share</ix:nonNumeric></p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000020" name="dei:TradingSymbol" contextRef="C_0000862831_20201007_20201007">FISI</ix:nonNumeric></p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><ix:nonNumeric id="F_000021" name="dei:SecurityExchangeName" contextRef="C_0000862831_20201007_20201007" format="ixt-sec:exchnameen">Nasdaq Global Select Market</ix:nonNumeric></p></td>
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<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;&#8201;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;&#8201;240.12b-2 of this chapter).</p>
<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Emerging growth company&#160;<span style="font-family:Segoe UI Symbol;"><ix:nonNumeric id="F_000005" name="dei:EntityEmergingGrowthCompany" contextRef="C_0000862831_20201007_20201007" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p>
<p style="margin-top:9pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;<span style="font-family:Segoe UI Symbol;">&#9744;</span></p>
<p style="text-align:center;margin-top:12pt;line-height:1pt;border-top:Solid 0.75pt #000000;padding-top:0pt;margin-bottom:0pt;text-indent:0%;font-size:4pt;">&#160;</p>
<p style="text-align:center;margin-top:1pt;line-height:1pt;border-top:Solid 1pt;padding-top:1pt;margin-bottom:0pt;text-indent:0%;font-size:4pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
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<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><span style="font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Item 1.01 Entry into a Material Definitive Agreement.</span></p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On October 7, 2020, Financial Institutions, Inc. (the &#8220;Company&#8221;), entered into a Subordinated Note Purchase Agreement (the &#8220;Purchase Agreement&#8221;) with certain qualified institutional buyers and accredited investors, (the &#8220;Purchasers&#8221;) pursuant to which the Company sold and issued $35 million in aggregate principal of its 4.375<span style="color:#000000;">% </span>Fixed-to-Floating Rate Subordinated <span style="color:#000000;">Notes due </span>October 15<span style="color:#000000;">, 2030 (the &#8220;</span>Notes<span style="color:#000000;">&#8221;). The </span>Notes <span style="color:#000000;">were offered and sold by the </span>Company <span style="color:#000000;">in a private offering in reliance on the exemption from the registration requirements of Section 4(a)(2) of the </span>Securities Act of 1933<span style="color:#000000;">, as amended (the &#8220;</span>Securities Act<span style="color:#000000;">&#8221;) and the provisions of </span>Rule 506(b) of Regulation D <span style="color:#000000;">promulgated thereunder (the &#8220;</span>Private Placement<span style="color:#000000;">&#8221;). The </span>Company <span style="color:#000000;">intends to use the net proceeds from the offering for general corporate purposes, organic growth and to support </span>Five Star Bank<span style="color:#000000;">&#8217;s regulatory capital ratios. </span></p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Notes have a ten-year term and, from and including the date of issuance to but excluding October 15, 2025, will bear interest at a fixed annual rate of 4.375%, payable semi-annually in arrears, for the first five years of the term. From and including October 15, 2025 to but excluding the maturity date or early redemption date, the interest rate will reset quarterly to an interest rate per annum equal to a benchmark rate plus 426.5 basis points, payable quarterly in arrears. The benchmark rate is expected to be the three-month Secured Overnight Financing Rate (&#8220;SOFR&#8221;), the rate that is expected to replace LIBOR. As provided in the Notes, under specified conditions the interest rate on the Notes during the applicable floating rate period may be determined based on a rate other than three-month SOFR. </p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Notes are redeemable, in whole or in part, on October 15, 2025 or on any interest payment date thereafter at the Company&#8217;s option. The Notes are also redeemable in whole but not in part upon the occurrence of certain events as described in the Notes, subject to the approval of the Federal Reserve, if required. The Purchase Agreement contains certain customary representations, warranties and covenants made by the Company, on the one hand, and the Purchasers, severally and not jointly, on the other hand. </p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On October 7, 2020, in connection with the sale and issuance of the Notes, the Company entered into a Registration Rights Agreement (the &#8220;Registration Rights Agreement&#8221;) with the Purchasers. Under the terms of the Registration Rights Agreement, the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that will be registered under the Securities Act and have substantially the same terms as the Notes (the &#8220;Exchange Notes&#8221;). Under certain circumstances, if the Company fails to meet its obligations under the Registration Rights Agreement, it would be required to pay up to 50 additional basis points in interest to the holders of the Notes. </p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Notes were issued under a Subordinated Indenture, dated October 7, 2020 (the &#8220;Indenture&#8221;), by and between the Company and Wilmington Trust, National Association, as trustee. The Notes are not subject to any sinking fund and are not convertible into or, other than with respect to the Exchange Notes, exchangeable for any other securities or assets of the Company or any of its subsidiaries. The Notes are not subject to redemption at the option of the holder. The Notes are unsecured, subordinated obligations of the Company only and are not obligations of, and are not guaranteed by, any subsidiary of the Company. The Notes rank equal in right of payment and in the event of the Company&#8217;s liquidation with the Company&#8217;s existing 6.00% fixed-to-floating rate subordinated debentures due April 15, 2030 and junior in right to payment to the Company&#8217;s current and future senior indebtedness. The Notes are intended to qualify as Tier 2 capital for regulatory capital purposes. </p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The forms of Purchase Agreement, Registration Rights Agreement, Indenture, and Note are attached as Exhibits 10.1, 10.2, 4.1, and 4.2, respectively, to this Current Report on Form 8-K and are incorporated herein by reference. The foregoing descriptions of the Purchase Agreement, Registration Rights Agreement, Indenture, and Notes are summaries and are qualified in their entirety by reference to the relevant exhibits to this Current Report on Form 8-K.</p>
<p style="margin-top:18pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The information set forth in Item 1.01 is incorporated by reference into this Item 2.03. </p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Item 7.01 Regulation FD Disclosure.</p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On October 7, 2020, the Company issued a press release announcing the Private Placement. A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K.</p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The information furnished herewith pursuant to this Item 7.01 and in Exhibit 99.1 shall not be deemed to be &#8220;filed&#8221; for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &#8220;Exchange Act&#8221;), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act or the Exchange Act, whether made before or after the date of this report, except as shall be expressly set forth by specific reference in such filing.</p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
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<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><span style="font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Cautionary Note Regarding Forward-Looking Statements</span></p>
<p style="margin-top:6pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Current Report on Form 8-K contains forward-looking statements as defined by Section 21E of the Exchange Act that involve significant risks and uncertainties. In this context, forward-looking statements often address the Company&#8217;s expected future business and financial performance and financial condition, and often contain words such as &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;believe,&#8221; &#8220;seek,&#8221; &#8220;see,&#8221; &#8220;will,&#8221; &#8220;would,&#8221; &#8220;estimate,&#8221; &#8220;forecast,&#8221; &#8220;target,&#8221; &#8220;preliminary,&#8221; or &#8220;range.&#8221;&#160;&#160;Statements herein are based on certain assumptions and analyses by the Company and factors it believes are appropriate in the circumstances. Actual results could differ materially from those contained in or implied by such statements for a variety of reasons including, but not limited to: the Company&#8217;s ability to complete the exchange of Notes for Exchange Notes, the impact of the COVID-19 pandemic on the Company&#8217;s customers, business, and results of operations as well as the economy in Western New York and the United States, the Company&#8217;s ability to implement its strategic plan, whether the Company experiences greater credit losses than expected, whether the Company experiences breaches of its, or third party, information systems, the attitudes and preferences of the Company&#8217;s customers, the Company&#8217;s ability to successfully integrate and profitably operate SDN, Courier Capital, HNP Capital and other acquisitions, the competitive environment, fluctuations in the fair value of securities in its investment portfolio, changes in the regulatory environment and the Company&#8217;s compliance with regulatory requirements, changes in interest rates, and general economic and credit market conditions nationally and regionally. Consequently, all forward-looking statements made herein are qualified by these cautionary statements and the cautionary language in the Company&#8217;s Annual Report on Form 10-K, its Quarterly Reports on Form 10-Q and other documents filed with the Securities and Exchange Commission. Except as required by law, the Company undertakes no obligation to revise these statements following the date of this Current Report on Form 8-K.</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Item 9.01 Financial Statements and Exhibits.</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (d) <span style="text-decoration:underline;">Exhibits</span>. </p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:6pt;">&#160;</p>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Exhibit</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Number</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-size:8pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Description<span style="font-size:10pt;font-weight:normal;"> </span></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-size:8pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Location</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.1</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="bottom" style="background-color:#FFFFFF;padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:66.7%; border-top:solid 0.75pt #000000;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="fisi-ex41_44.htm"><span style="text-decoration:underline;">Subordinated Indenture, dated as of October 7, 2020, between Financial Institutions, Inc. and Wilmington Trust, National Association, as Trustee</span></a></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="top" style="background-color:#FFFFFF;width:22.54%; border-top:solid 0.75pt #000000;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Filed Herewith</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.2</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
<td valign="bottom" style="background-color:#FFFFFF;padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:66.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="fisi-ex41_44.htm"><span style="text-decoration:underline;">Form of 4.375% Fixed-to-Floating Rate Subordinated Note due October 15, 2030 (included in Exhibit 4.1)</span></a></p></td>
<td valign="bottom" style="background-color:#FFFFFF;width:1.66%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="top" style="background-color:#FFFFFF;width:22.54%;">
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Filed Herewith</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10.1</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
<td valign="bottom" style="background-color:#FFFFFF;padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:66.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="fisi-ex101_15.htm"><span style="text-decoration:underline;">Form of Subordinated Note Purchase Agreement, dated as of October 7, 2020, by and among Financial Institutions, Inc. and the Purchasers</span></a><span style="font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">*</span></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Filed Herewith</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10.2</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
<td valign="bottom" style="background-color:#FFFFFF;padding-left:0pt;padding-Right:0.75pt;padding-Top:0.75pt;padding-Bottom:0pt;width:66.7%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="fisi-ex102_16.htm"><span style="text-decoration:underline;">Form of Registration Rights Agreement, dated as of October 7, 2020, by and among Financial Institutions, Inc. and the Purchasers</span></a></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Filed Herewith</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">99.1</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a href="fisi-ex991_43.htm"><span style="text-decoration:underline;">Press Release issued by Financial Institutions, Inc. on October 7, 2020</span></a></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">104</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Cover Page Interactive Data File (embedded within the Inline XBRL document)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-right:83.33%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&#160;</p>
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<td valign="top" style="padding-left:0pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:2%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">*</p></td>
<td valign="top" style="padding-left:0pt;padding-Right:0pt;padding-Top:0pt;padding-Bottom:0pt;width:auto;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Schedules and similar attachments have been omitted pursuant to Item 601(a)(5) of Regulation S-K. The registrant will furnish a copy of any omitted schedule or similar attachment to the Securities and Exchange Commission upon request. </p></td>
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<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">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 thereunto duly authorized.</p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Financial Institutions, Inc.</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:10pt;">&#160;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Justin K. Bigham</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;color:#000000;font-family:Times New Roman;font-size:10pt;font-style:normal;text-transform:none;font-variant: normal;">Executive Vice President, Chief Financial Officer</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 116</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 117</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 118</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 119</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 120</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 121</font></p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"><font style="font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;">ARTICLE II</font><font style="color:#auto;font-family:Times New Roman;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> THE SUBORDINATED NOTES</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 201</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 202</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 203</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 204</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 210</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 211</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 212</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 213</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 214</font></p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"><font style="font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;">ARTICLE III</font><font style="color:#auto;font-family:Times New Roman;letter-spacing:-0.05pt;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> SATISFACTION AND DISCHARGE OF INDENTURE</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 301</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 302</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 404</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Trustee May Enforce Claims Without Possession of Subordinated Notes.41</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 405</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Application of Money Collected.41</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 406</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Limitation on Suits.41</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 407</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Unconditional Right of Holders to Payments.42</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 408</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Restoration of Rights and Remedies.42</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 409</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Rights and Remedies Cumulative.42</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 410</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Delay or Omission Not Waiver.43</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 411</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Control by Holders.43</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 412</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Waiver of Past Defaults.43</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 413</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Undertaking for Costs.43</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"><font style="font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;">ARTICLE V</font><font style="color:#auto;font-family:Times New Roman;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> THE TRUSTEE</font></p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;text-transform:uppercase;font-style:normal;font-variant: normal;font-family:Times New Roman Bold;font-size:12pt;"><font style="color:#auto;font-family:Times New Roman;"></font>44</p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;text-transform:uppercase;font-style:normal;font-variant: normal;font-family:Times New Roman Bold;font-size:12pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 501</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Duties of Trustee.44</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 502</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Certain Rights of Trustee.45</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 503</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 504</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Not Responsible for Recitals or Issuance of Subordinated Notes.47</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 505</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 506</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 507</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 508</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 509</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 510</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 511</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 512</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 513</font></p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"><font style="font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;">ARTICLE VI</font><font style="color:#auto;font-family:Times New Roman;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> HOLDERS LISTS AND REPORTS BY TRUSTEE AND COMPANY</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 601</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 602</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 603</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 604</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 702</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 801</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 802</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 803</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 804</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 805</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 806</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 807</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 901</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 902</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 903</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 904</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 905</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 906</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 907</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 908</font></p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"><font style="font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;">ARTICLE X</font><font style="color:#auto;font-family:Times New Roman;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> REDEMPTION OF SECURITIES</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1001</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1002</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1003</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1004</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1005</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1006</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1007</font></p></td>
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<p style="margin-bottom:6pt;margin-top:12pt;font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"><font style="font-weight:bold;color:#010000;font-family:Times New Roman Bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;">ARTICLE XI</font><font style="color:#auto;font-family:Times New Roman;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> SUBORDINATION</font><font style="color:#auto;font-family:Times New Roman;letter-spacing:-0.35pt;font-weight:bold;text-transform:uppercase;font-size:12pt;font-style:normal;font-variant: normal;"> OF SECURITIES</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1101</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1102</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1103</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1104</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1105</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1106</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Notice to Trustee.70</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1107</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;"><font style="color:#000000;"></font><font style="font-size:12pt;font-family:Times New Roman;color:#000000;">Trustee Knowledge of Senior Indebtedness.70</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1108</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td></tr></table></div>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Calibri;font-size:11pt;">&nbsp;</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 1109</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">iii</a></p>
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<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU5"></a><font style="text-decoration:underline;">CROSS-REFERENCE TABLE</font></p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">508</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">508</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (a)(5)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">508</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">508, 509</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">505</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">505</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">601</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">602</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">602</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">603</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">603</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">603</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">603</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#167;314 (a)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">604</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">907</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (c)(1)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">102</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (c)(2)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">102</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (e)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">102</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#167;315 (a)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">501,502</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (b)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">503</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (c)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">501</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (d)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">501,502</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (e)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">413</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#167;316 (a) (last sentence)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">101</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (a)(1)(A)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">402,411</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (a)(1)(B)</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">411,412</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (b)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">407</p></td>
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<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (c)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">104</p></td>
</tr>
<tr>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#167;317 (a)(1)(</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">402</p></td>
</tr>
<tr>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (a)(2)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">403</p></td>
</tr>
<tr>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (b)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">903</p></td>
</tr>
<tr>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#167;318 (a)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">107</p></td>
</tr>
<tr>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (b)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">107</p></td>
</tr>
<tr>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (c)</p></td>
<td valign="top"  style="width:50%;">
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:102.6pt;;text-indent:0pt;;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">107</p></td>
</tr>
</table></div>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Note:&nbsp;&nbsp;This Cross-Reference table will not, for any purpose, be deemed part of this Indenture.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">iv</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU6"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This INDENTURE dated as of October </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, 2020 is between Financial Institutions, Inc., a New York corporation (the &#8220;Company&#8221;), and Wilmington Trust, National Association, a national banking association, as trustee (the &#8220;Trustee&#8221;).</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">RECITALS</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS, the Company has duly authorized the execution and delivery of this Indenture to provide for an issue of $35 million in aggregate principal amount of 4.375% Fixed to Floating Rate Subordinated <font style="letter-spacing:-0.15pt;">Notes due 2030, subject to the terms and conditions set forth in this Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">NOW, THEREFORE, in order to declare the terms and conditions upon which the Subordinated Notes are authenticated, issued and delivered, and in consideration of the premises, <font style="letter-spacing:-0.3pt;">and of the purchase and acceptance of the Subordinated Notes by the Holders thereof, the Company </font><font style="letter-spacing:-0.15pt;">and the Trustee agree as follows for the benefit of each other and for the benefit of the respective </font>Holders from time to time of the Subordinated Notes.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319888"></a>ARTICLE I<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319888"></a>DEFINITIONS AND INCORPORATION BY REFERENCE</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319889"></a>Section 101<font style="margin-left:36pt;"></font><font style="color:#auto;">Definitions.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Except as otherwise expressly provided in this Indenture or unless the context otherwise <font style="letter-spacing:-0.2pt;">requires, the terms defined in this Section for all purposes of this Indenture, any Company Order, </font>any Board Resolution, and any indenture supplemental hereto will have the respective meanings specified in this Section.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Act</font>,&#8221; when used with respect to any Holders, is defined in Section 104.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Additional Interest</font>&#8221; has the meaning set forth in the Registration Rights Agreement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Affiliate</font>&#8221; means, with respect to any specified Person, any other Person directly or <font style="letter-spacing:-0.05pt;">indirectly controlling or controlled by or under direct or indirect common control with such </font>specified Person. For the purposes of this definition, &#8220;control,&#8221; when used with respect to any <font style="letter-spacing:-0.15pt;">specified Person means the power to direct the management and policies of such Person, directly </font><font style="letter-spacing:-0.25pt;">or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the </font><font style="letter-spacing:-0.15pt;">terms &#8220;controlling&#8221; and &#8220;controlled&#8221; have meanings correlative to the foregoing.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Applicable Procedures</font>&#8221; means, with respect to any transfer or exchange of or for <font style="letter-spacing:-0.2pt;">beneficial interests in any Global Subordinated Note, the rules and procedures of the Depositary </font>that apply to such transfer or exchange.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Authenticating Agent</font>&#8221; means any Person authorized by the Trustee in accordance with Section 512 to act on behalf of the Trustee to authenticate Subordinated Notes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU7"></a>&#8220;<font style="font-style:italic;text-decoration:underline;">Authorized Newspaper</font>&#8221; means a newspaper, in an official language of the place of <font style="letter-spacing:-0.15pt;">publication or in the English language, customarily published on each day that is a Business Day </font>in the place of publication, whether or not published on days that are not Business Days in the <font style="letter-spacing:-0.2pt;">place of publication, and of general circulation in each place in connection with which the term is </font><font style="letter-spacing:-0.25pt;">used or in </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.25pt;">the financial community of each such place. Where successive publications are required </font><font style="letter-spacing:-0.2pt;">to be made in Authorized Newspapers, the successive publications may be made in the same or in </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">different newspapers in the same place meeting the foregoing requirements and in each case on </font><font style="letter-spacing:-0.15pt;">any day that is a Business Day in the place of publication.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Authorized Officer</font>&#8221; means each of the Chairman of the Board, the Chief Executive Officer, the President, the Chief Financial Officer, the Corporate Treasurer and the Corporate Secretary of the Company.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Bankruptcy Laws</font>&#8221; mean Title 11, United States Code (11 U.S.C. &#167;&#167;101 et seq.) or any similar federal or state law for the relief of debtors.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Board of Directors</font>&#8221; means, as to any Person, the board of directors, or similar governing body, of such Person or any duly authorized committee (or subcommittee) thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Board Resolution</font>&#8221; means one or more resolutions, certified by the Secretary or an Assistant Secretary of the Company to have been duly adopted by the Board of Directors and to be in full force and effect on the date of such certification, delivered to the Trustee.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Business Day</font>&#8221; means any day other than a Saturday, Sunday or other day on which <font style="letter-spacing:-0.15pt;">banking institutions in the State of New York</font> <font style="letter-spacing:-0.15pt;">are authorized or obligated by law, regulation </font>or executive order to close.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Commission</font>&#8221; means the U.S. Securities and Exchange Commission, as from time to time constituted, or, if at any time after the execution of this Indenture such Commission is not existing <font style="letter-spacing:-0.05pt;">and performing the duties now assigned to it under the Trust Indenture Act, then the body </font>performing such duties at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.35pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Common Stock</font>&#8221; means any and all shares of the common stock, par value $0.01 per share, of the Company, whether outstanding on the date of this Indenture or issued thereafter, and <font style="letter-spacing:-0.15pt;">includes, without limitation all series and classes of such common stock.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Company</font>&#8221; is defined in the preamble to this Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Company Request</font>&#8221; and &#8220;<font style="font-style:italic;text-decoration:underline;">Company Order</font>&#8221; mean, respectively, a written request or order, as the case may be, signed on behalf of the Company by an Authorized Officer and delivered to <font style="letter-spacing:-0.15pt;">the Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Corporate Trust Office</font>&#8221; means the address of the Trustee specified in Section 105 or such other address as the Trustee may designate from time to time by notice to the Holders and the <font style="letter-spacing:-0.05pt;">Company, or the designated address of any successor Trustee (or such other address as such </font><font style="letter-spacing:-0.15pt;">successor Trustee may designate from time to time by notice to the Holders and the Company).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Covenant Defeasance</font>&#8221; is defined in Section 302(3).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Defaulted Interest</font>&#8221; is defined in Section 210.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU8"></a><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-style:italic;text-decoration:underline;">Definitive Subordinated Notes</font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means, individually and collectively, each Restricted </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Definitive Subordinated Note and each Unrestricted Definitive Subordinated Note, substantially in the form of </font><font style="text-decoration:underline;">Exhibit A-l</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> hereto, issued under this Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Depositary</font>&#8221; means, with respect to any Subordinated Note issuable or issued in whole or in part in global form, the Person designated as depositary by the Company in accordance with <font style="letter-spacing:-0.15pt;">this Indenture, and any and all successors thereto appointed as Depositary under this Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Dollars</font>&#8221; or &#8220;<font style="font-style:italic;text-decoration:underline;">$</font>&#8221; means a dollar or other equivalent unit of legal tender for payment of public or private debts in the United States.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Event of Default</font>&#8221; is defined in Section 401.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Exchange Act</font>&#8221; means the Securities Exchange Act of 1934, as amended, or any successor statute thereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Exchange Notes</font>&#8221; means the Subordinated Notes issued in the Exchange Offer in accordance with Section 208.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Exchange Offer</font>&#8221; has the meaning set forth in the Registration Rights Agreement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Exchange Offer Registration Statement</font>&#8221; has the meaning set forth in the Registration Rights Agreement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Federal Reserve</font>&#8221; means the Board of Governors of the Federal Reserve System or <font style="letter-spacing:-0.15pt;">any successor regulatory authority with jurisdiction over bank holding companies.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Fixed Interest Payment Date</font>&#8221; means April 15 and October 15 of each year, beginning April 15, 2021.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Floating Interest Payment Date</font>&#8221; means January 15, April 15, July 15 and October 15 of each year, beginning January 15, 2026.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> &#8220;<font style="font-style:italic;text-decoration:underline;">GAAP</font>&#8221; means generally accepted accounting principles in the United States set forth in the opinions and pronouncements of the Accounting Principles Board of the American Institute of Certified Public Accountants, the statements and pronouncements of the Financial Accounting Standards Board and such other statements by such other entities (including the Commission) as have been accepted by a significant segment of the accounting profession, which are applicable at the date of this Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Global Subordinated Notes</font>&#8221; means, individually and collectively, each Restricted Global Subordinated Note and each Unrestricted Global Subordinated Note, substantially in the form of <font style="text-decoration:underline;">Exhibit A-2</font> hereto, issued under this Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Government Obligations</font>&#8221; means securities which are direct obligations of the United <font style="letter-spacing:-0.15pt;">States of America in each case where the payment or payments thereunder are supported by the </font>full faith and credit of the United States of America.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU9"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-style:italic;text-decoration:underline;">Holder</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means the Person in whose name the Subordinated Note is registered in the Subordinated Note Register.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Indenture</font>&#8221; means this Indenture, as amended and supplemented from time to time in accordance with its terms.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Initial Notes</font>&#8221; means the $35 million in aggregate principal amount of the Company&#8217;s 4.375<font style="letter-spacing:-0.15pt;">% Fixed to Floating Rate Subordinated Notes due 2030 issued under this Indenture on the date hereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Interest Payment Date</font>&#8221; means either a Fixed Interest Payment Date or a Floating Interest Payment Date, as applicable.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Interest Period</font>&#8221; means (i) each six-month period beginning on a Fixed Interest Payment Date for the period beginning on the original issue date of the Subordinated Notes until October 15, 2025 or (ii) each three-month period beginning on a Floating Interest Payment Date for the period beginning October 15, 2025.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Investment Company Event</font>&#8221; means receipt by the Company of an opinion of independent counsel experienced in such matters to the effect that there is more than an insubstantial risk that the Company is or, within 90 days of the date of such legal opinion will be, considered an &#8220;investment company&#8221; that is required to be registered under the Investment Company Act of 1940, as amended.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Legal Defeasance</font>&#8221; is defined in Section 302(2).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Letter of Transmittal</font>&#8221; means the letter of transmittal to be prepared by the Company and sent to all Holders for use by such Holders in connection with an Exchange Offer.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Maturity</font>&#8221; means the date on which the principal of a Subordinated Note or an installment of principal becomes due and payable as provided in or under this Indenture or such Subordinated <font style="letter-spacing:-0.15pt;">Note, whether at the Stated Maturity or by an acceleration of the maturity of such Subordinated Note in accordance with the terms of such Subordinated Note, upon redemption at the option of the Company, upon repurchase or repayment or otherwise, and includes a Redemption Date for </font>such Subordinated Note and a date fixed for the repurchase or repayment of such Subordinated Note at the option of the Holder.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Officer</font>&#8221; means, with respect to any Person, the chairman of the board, vice chairman of <font style="letter-spacing:-0.2pt;">the board, the chief executive officer, the president, the chief operating officer, the chief financial </font>officer, the treasurer, any assistant treasurer, the controller, the secretary or any vice president of such Person.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Officers&#8217; Certificate</font>&#8221; means a certificate signed on behalf of the Company by two Officers of the Company, one of whom must be the principal executive officer, the principal financial <font style="letter-spacing:-0.2pt;">officer or the principal accounting officer of the Company, that complies with the requirements of </font>Section 102 and is delivered to the Trustee.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU10"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-style:italic;text-decoration:underline;">Opinion of Counsel</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means a written opinion from legal counsel who is reasonably acceptable to the Trustee, which opinion meets the requirements of Section 102. The counsel may </font><font style="letter-spacing:-0.15pt;">be an employee of or counsel to the Company or any Subsidiary of the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Outstanding</font>,&#8221; when used with respect to any Subordinated Notes, means, as of the date of determination, all such Subordinated Notes theretofore authenticated and delivered under this Indenture, except (1) any such Subordinated Note theretofore cancelled by the Trustee or the Registrar or delivered to the Trustee or the Registrar for cancellation; (2) any such Subordinated <font style="letter-spacing:-0.05pt;">Note for whose payment at the Maturity thereof money in the necessary amount has been </font><font style="letter-spacing:-0.3pt;">theretofore deposited in accordance with this Indenture (other than in accordance with Section 302) </font><font style="letter-spacing:-0.25pt;">with the Trustee or any Paying Agent (other than the Company) in trust or set aside and segregated in trust by the Company (if the Company will act as its own Paying Agent) for the Holders of such </font><font style="letter-spacing:-0.2pt;">Subordinated Notes, provided that, if such Subordinated Notes are to be redeemed, notice of such </font><font style="letter-spacing:-0.25pt;">redemption has been duly given in accordance with this Indenture or provision therefor satisfactory to the Trustee has been made; (3) any such Subordinated Note with respect to which the Company </font><font style="letter-spacing:-0.2pt;">has effected Legal Defeasance or Covenant Defeasance in accordance with Section 302, except to </font>the extent provided is Section 302; and (4) any such Subordinated Note that has been paid in <font style="letter-spacing:-0.25pt;">accordance with Section 209 or in exchange for or in lieu of which other Subordinated Notes have been authenticated and delivered under this Indenture, unless there will have been presented to the </font>Trustee proof satisfactory to the Trustee that such Subordinated Note is held by a bona fide <font style="letter-spacing:-0.25pt;">purchaser in whose hands such Subordinated Note is a valid obligation of the Company; provided, </font><font style="letter-spacing:-0.2pt;">however, in all cases, that in determining whether the Holders of the requisite principal amount of Outstanding Subordinated Notes have given any request, demand, authorization, direction, notice, </font>consent or waiver hereunder, Subordinated Notes owned by the Company or any Affiliate of the Company will be disregarded and deemed not to be Outstanding, except that, in determining <font style="letter-spacing:-0.2pt;">whether the Trustee will be protected in making any such determination or relying upon any such request, demand, authorization, direction, notice, consent or waiver, only Subordinated Notes that </font>a Responsible Officer of the Trustee actually knows to be so owned will be so disregarded. Subordinated Notes so owned that will have been pledged in good faith may be regarded as Outstanding if the pledgee establishes to the satisfaction of the Trustee the pledgee&#8217;s right so to <font style="letter-spacing:-0.25pt;">act with respect to such Subordinated Notes and that the pledgee is not the Company or an Affiliate </font>of the Company.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Participating Broker-Dealer</font>&#8221; has the meaning set forth in the Registration Rights Agreement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Paying Agent</font>&#8221; is defined in Section 206.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Person</font>&#8221; means any individual, corporation, partnership, association, limited liability <font style="letter-spacing:-0.2pt;">company, other company, statutory trust, business trust, joint venture, joint-stock company, trust, </font>unincorporated organization or government or any agency or political subdivision thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Place of Payment</font>,&#8221; with respect to any Subordinated Note, means the place or places <font style="letter-spacing:-0.2pt;">where the principal of, or interest on, such Subordinated Note are payable as provided in or under </font>this Indenture or such Subordinated Note.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU11"></a><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-style:italic;text-decoration:underline;">Private Placement Legend</font><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means the legend set forth in Section 204 of this Indenture to </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">be placed on all Subordinated Notes issued under this Indenture, except where otherwise permitted by the provisions of this Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Purchase Agreement</font>&#8221; means the Subordinated Note Purchase Agreement concerning the Subordinated Notes, dated October 7, 2020, by and among the Company and the purchasers identified therein.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Redemption Date</font>&#8221; with respect to any Subordinated Note or portion thereof to be redeemed, means the date fixed for such redemption by or under this Indenture or such Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Redemption Price</font>&#8221; with respect to any Subordinated Note or portion thereof to be redeemed, means the price at which it is to be redeemed as determined by or under this Indenture or such Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Registrar</font>&#8221; is defined in Section 206.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Registration Rights Agreement</font>&#8221;<font style="font-weight:bold;"> </font>means the Registration Rights Agreement in the form attached as <font style="text-decoration:underline;letter-spacing:-0.2pt;">Exhibit B</font><font style="letter-spacing:-0.2pt;"> to the Purchase Agreement with respect to the Subordinated Notes, dated as of the date </font>of this Indenture, by and among the Company and the purchasers of the Initial Notes identified therein.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Regular Record Date</font>,&#8221; with respect to any Interest Payment date, means the close of business on the fifteenth calendar day prior to the applicable Interest Payment Date, without regard to whether the Regular Record Date is a Business Day.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Responsible Officer</font>&#8221; means, when used with respect to the Trustee, any officer within the corporate trust department of the Trustee, including any vice president, assistant vice president, <font style="letter-spacing:-0.05pt;">assistant secretary, assistant treasurer, trust officer or any other officer of the Trustee who </font><font style="letter-spacing:-0.2pt;">customarily performs functions similar to those performed by the Persons who at the time will be </font><font style="letter-spacing:-0.05pt;">such officers, respectively, or to whom any corporate trust matter is referred because of such </font>Person&#8217;s knowledge of and familiarity with the particular subject and who will have direct responsibility for the administration of this Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Restricted Definitive Subordinated Note</font>&#8221; means a Definitive Subordinated Note bearing, or that is required to bear, the Private Placement Legend.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Restricted Global Subordinated Note</font>&#8221; means a Global Subordinated Note bearing, or that is required to bear, the Private Placement Legend.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Restricted Subordinated Note</font>&#8221; means a Restricted Global Subordinated Note or a Restricted Definitive Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Rule 144</font>&#8221; means Rule 144 promulgated under the Securities Act.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Rule 144A</font>&#8221; means Rule 144A promulgated under the Securities Act.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU12"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-style:italic;text-decoration:underline;">Securities Act</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means the Securities Act of 1933, as amended, or any successor statute thereto.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Senior Indebtedness</font>&#8221; means the principal of (and premium, if any) and interest, if any, on: (1) all indebtedness and obligations of, or guaranteed or assumed by, the Company for money borrowed, whether or not evidenced by bonds, debentures, securities, notes or other similar instruments, and including, but not limited to all obligations to the Company&#8217;s general and secured creditors; (2) any deferred obligations of the Company for the payment of the purchase price of property or assets acquired other than in the ordinary course of business; (3) all obligations, contingent or otherwise, of the Company in respect of any letters of credit, bankers&#8217; acceptances, security purchase facilities and similar direct credit substitutes; (4) any capital lease obligations of the Company; (5) all obligations of the Company in respect of interest rate swap, cap or other agreements, interest rate future or option contracts, currency swap agreements, currency future or option contracts, commodity contracts and other similar arrangements or derivative products; (6) all obligations that are similar to those in clauses (1) through (5) of other persons for the payment of which the Company is responsible or liable as obligor, guarantor or otherwise arising from an off-balance sheet guarantee; (7) all obligations of the types referred to in clauses (1) through (6) of other persons secured by a lien on any property or asset of the Company; and (8) in the case of (1) through (7) above, all amendments, renewals, extensions, modifications and refundings of such indebtedness and obligations; <font style="font-style:italic;">except</font> &#8220;Senior Indebtedness&#8221; does not include (A) the Subordinated Notes, (B) any obligation that by its terms expressly is junior to, or ranks equally in right of payment with, the Subordinated Notes, or (C) any indebtedness between the Company and any of its subsidiaries or Affiliates.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Significant Subsidiary</font>&#8221; means any Subsidiary of the Company that is a &#8220;significant subsidiary&#8221; as defined in Rule 1-02 of Regulation S-X promulgated by the Commission (as such rule is in effect on the date of this Indenture).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Special Record Date</font>&#8221; for the payment of any Defaulted Interest on any Subordinated Note means a date fixed in accordance with Section 210.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Stated Maturity</font>&#8221; means October 15, 2030.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Subordinated Note</font>&#8221; or &#8220;<font style="font-style:italic;text-decoration:underline;">Subordinated Notes</font>&#8221; means the Initial Notes and the Exchange Notes and, more particularly, any Subordinated Note authenticated and delivered under this <font style="letter-spacing:-0.2pt;">Indenture, including those Subordinated Notes issued or authenticated upon transfer, replacement </font>or exchange.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Subordinated Note Register</font>&#8221; is defined in Section 206.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Subordination Provisions</font>&#8221; means the provisions contained in Article XI or any provisions with respect to subordination contained in the Subordinated Notes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU13"></a>&#8220;<font style="font-style:italic;text-decoration:underline;">Subsidiary</font>&#8221; means a corporation, a partnership, business or statutory trust or a limited liability company, a majority of the outstanding voting equity securities or a majority of the voting <font style="letter-spacing:-0.2pt;">membership or partnership interests, as the case may be, of which is owned or controlled, directly </font>or indirectly, by the Company or by one or more other Subsidiaries of the Company. For the purposes </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of this definition, &#8220;voting equity securities&#8221; means securities having voting power for the </font><font style="letter-spacing:-0.15pt;">election of directors, managers, managing partners or trustees, as the case may be, whether at all times or only so long as no senior class of stock has voting power by reason of any contingency.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Tax Event</font>&#8221; means the receipt by the Company of an opinion of independent tax counsel experienced in such matters to the effect that as a result of (1) an amendment to or change (including any announced prospective amendment or change) in any law or treaty, or any regulation thereunder, of the United States or any of its political subdivisions or taxing authorities; (2) a judicial decision, administrative action, official administrative pronouncement, ruling, regulatory procedure, regulation, notice or announcement, including any notice or announcement of intent to adopt or promulgate any ruling, regulatory procedure or regulation (any of the foregoing, an &#8220;<font style="font-style:italic;text-decoration:underline;">Administrative or Judicial Action</font>&#8221;); or (3) an amendment to or change in any official position with respect to, or any interpretation of, an Administrative or Judicial Action or a law or regulation of the United States that differs from the previously generally accepted position or interpretation, in each case, which change or amendment or challenge becomes effective or which pronouncement, decision or challenge is announced on or after the issue date of the Subordinated Notes, there is more than an insubstantial risk that interest payable by the Company on the Subordinated Notes is not, or, within 90 days of the date of such opinion, will not be, deductible by the Company, in whole or in part, for United States federal income tax purposes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Tier 2 Capital</font>&#8221; means Tier 2 capital (or its equivalent) for purposes of capital adequacy guidelines of the Federal Reserve, as then in effect and applicable to the Company. </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Tier 2 Capital Event</font>&#8221; means the Company&#8217;s good faith determination that, as a result of (1) any amendment to, or change in, the laws, rules or regulations of the United States (including, for the avoidance of doubt, any agency or instrumentality of the United States, including the Federal Reserve and other federal bank regulatory agencies) or any political subdivision of or in the United States that is enacted or becomes effective after the issue date of the Subordinated Notes, (2) any proposed change in those laws, rules or regulations that is announced or becomes effective after the issue date of the Subordinated Notes, or (3) any official administrative decision or judicial decision or administrative action or other official pronouncement interpreting or applying those laws, rules, regulations, policies or guidelines with respect thereto that is announced after the issue date of the Subordinated Notes, there is more than an insubstantial risk that the Company will not be entitled to treat the Subordinated Notes then Outstanding as Tier 2 Capital for so long as any Subordinated Notes are Outstanding.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Trust Indenture Act</font>&#8221; means the Trust Indenture Act of 1939, as amended.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Trustee</font>&#8221; means Wilmington Trust, National Association, as trustee, until a successor replaces it in accordance with the provisions of this Indenture and thereafter means the successor serving hereunder.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">United States</font>,&#8221; means the United States of America (including the states thereof and the <font style="letter-spacing:-0.2pt;">District of Columbia), its territories, its possessions and other areas subject to its jurisdiction.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="font-style:italic;text-decoration:underline;">Unrestricted Definitive Subordinated Note</font>&#8221; means a Definitive Subordinated Note that does not bear, and is not required to bear, the Private Placement Legend.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU14"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="font-style:italic;text-decoration:underline;">Unrestricted Global Subordinated Note</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means a Global Subordinated Note that does not bear, and is not required to bear, the Private Placement Legend.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319890"></a>Section 102<font style="margin-left:36pt;"></font><font style="color:#auto;">Compliance Certificates and Opinions.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Except as otherwise expressly provided in or under this Indenture, upon any application or request by the Company to the Trustee to take any action under any provision of this Indenture, <font style="letter-spacing:-0.25pt;">the Company will furnish to the Trustee an Officers&#8217; Certificate in form reasonably </font>satisfactory to the Trustee stating that, in the opinion of the signers, all conditions precedent <font style="letter-spacing:-0.15pt;">(including covenants compliance with which constitutes a condition precedent), if any, provided </font>for in this Indenture relating to the proposed action have been complied with and an Opinion of Counsel in form&nbsp;&nbsp;reasonably satisfactory to the Trustee stating that, in the opinion of such counsel, all such conditions precedent (including covenants compliance with which <font style="letter-spacing:-0.15pt;">constitutes a condition precedent), if any, have been complied with, except that in the case of any </font>such application or request as to which the furnishing of such documents or any of them is <font style="letter-spacing:-0.15pt;">specifically required by any provision of this Indenture relating to such particular application or </font>request, no additional certificate or opinion need be furnished.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each certificate or opinion with respect to which compliance with a condition provided for in this Indenture (other than an Officers&#8217; Certificate provided under Section 907) must comply <font style="letter-spacing:-0.15pt;">with the provisions of Section 314(e) of the Trust Indenture Act and must include:</font></p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:96pt;"></font><font style="letter-spacing:-0.25pt;">a statement that the person making such certificate or opinion has read such </font>covenant or condition;</p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:96pt;"></font>a brief statement as to the nature and scope of the examination or <font style="letter-spacing:-0.15pt;">investigation upon which the statements or opinions contained in such certificate or opinion are </font>based;</p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:96pt;"></font><font style="letter-spacing:-0.15pt;">a statement that, in the opinion of such person, he or she has made such examination or investigation as is necessary to enable him or her to express an informed opinion </font>as to whether or not such condition has been satisfied; and</p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:12pt;margin-top:0pt;margin-right:0.21%;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:96pt;"></font>a statement as to whether or not, in the opinion of such person, such condition has been satisfied.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319891"></a>Section 103<font style="margin-left:36pt;"></font><font style="color:#auto;">Form of Documents Delivered to Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In any case where several matters are required to be certified by, or covered by an opinion of, any specified Person, it is not necessary that all such matters be certified by, or covered by the opinion of, only one such Person, or that they be so certified or covered by only one document, but one such Person may certify or give an opinion with respect to some matters and one or more <font style="letter-spacing:-0.15pt;">other such Persons as to other matters, and any such Person may certify or give an opinion as to </font>such matters in one or several documents.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU15"></a>Any certificate or opinion of an Officer of the Company may be based, insofar as it relates to legal matters, upon a certificate or opinion of, or representations by, counsel, unless such Officer knows, or in the exercise of reasonable care, but without investigation, should know, that the </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">certificate or opinion or </font><font style="letter-spacing:-0.05pt;">representations with respect to the matters upon which his certificate or opinion is based is </font><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">erroneous. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any such certificate or Opinion of Counsel may be based, insofar as it relates to factual matters, upon a certificate or opinion of, or representations by, an Officer or Officers of the <font style="letter-spacing:-0.15pt;">Company stating that the information with respect to such factual matters is in the possession of the Company unless such counsel knows, or in the exercise of reasonable care, but without investigation, should know, that the certificate or opinion or representations with respect to such matters are erroneous.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Where any Person is required to make, give or execute two or more applications, requests, consents, certificates, statements, opinions or other instruments under this Indenture or any <font style="letter-spacing:-0.15pt;">Subordinated Note, they may, but need not, be consolidated and form one instrument.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319892"></a>Section 104<font style="margin-left:36pt;"></font><font style="color:#auto;">Acts of Holders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:36pt;"></font>Any request, demand, authorization, direction, notice, consent, waiver or other action provided by or under this Indenture to be made, given or taken by Holders may be embodied in and evidenced by one or more instruments of substantially similar tenor signed by <font style="letter-spacing:-0.1pt;">such Holders in person or by an agent duly appointed in writing. Except as herein otherwise </font>expressly provided, such action will become effective when such instrument or instruments or <font style="letter-spacing:-0.1pt;">record or both are delivered to the Trustee and, where it is hereby expressly required, to the </font><font style="letter-spacing:-0.2pt;">Company. Such instrument or instruments and any such record (and the action embodied therein and evidenced thereby) are herein sometimes referred to as the &#8220;Act&#8221; of the Holders signing such </font><font style="letter-spacing:-0.1pt;">instrument or instruments. Proof of execution of any such instrument or of a writing appointing </font><font style="letter-spacing:-0.2pt;">any such agent, or of the holding by any Person of a Subordinated Note, will be sufficient for any </font>purpose of this Indenture and (subject to Section 501) conclusive in favor of the Trustee and the <font style="letter-spacing:-0.1pt;">Company and any agent of the Trustee or the Company, if made in the manner provided in this </font>Section.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:36pt;"></font>The fact and date of the execution by any Person of any such instrument or writing may be proved in any reasonable manner that the Trustee deems sufficient and in accordance with such reasonable rules as the Trustee may determine, and the Trustee may in any <font style="letter-spacing:-0.15pt;">instance require further proof with respect to any of the matters referred to in this Section.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.1pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:36pt;"></font><font style="letter-spacing:-0.25pt;">The ownership, principal amount and serial numbers of Subordinated Notes </font>held by any Person, and the date of the commencement and the date of the termination of holding the same, will be proved by the Subordinated Note Register.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU16"></a>(4)<font style="margin-left:36pt;"></font>The Company may, in the circumstances permitted by the Trust Indenture <font style="letter-spacing:-0.1pt;">Act, set a record date for purposes of determining the identity of Holders entitled to give any </font>request, demand, authorization, direction, notice, consent, waiver or take any other act authorized <font style="letter-spacing:-0.3pt;">or permitted to be given or taken by Holders. Unless otherwise specified, if not set by the Company </font><font style="letter-spacing:-0.1pt;">prior to the first solicitation of a Holder made by any Person in respect of any such action, any </font>such record date will be the later of 30 days prior to the first solicitation of such consent or the date <font style="letter-spacing:-0.05pt;">of the most recent list of Holders furnished to the Trustee prior to such solicitation. If a record </font>date is fixed, the Holders on such record date, and only such Persons, will be entitled to make, give <font style="letter-spacing:-0.1pt;">or take such request, demand, authorization, direction, notice, consent, waiver or other action, </font><font style="letter-spacing:-0.15pt;">whether or not such Holders remain Holders after such record date. No such request, demand, authorization, direction, notice, </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;">consent, waiver or other action will be valid or effective if made, </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">given or taken more than 90 days after such record date.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:36pt;"></font><font style="letter-spacing:-0.1pt;">Any effective request, demand, authorization, direction, notice, consent, </font>waiver or other Act by the Holder of any Subordinated Note will bind every future Holder of the same Subordinated Note and the Holder of every Subordinated Note issued upon the registration of transfer thereof or in exchange therefor or in lieu thereof in respect of anything done or suffered to be done by the Trustee, any Registrar, any Paying Agent or the Company in reliance thereon, whether or not notation of such Act is made upon such Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:36pt;"></font>Without limiting the foregoing, a Holder entitled to take any action hereunder with regard to any particular Note may do so with regard to all or any part of the <font style="letter-spacing:-0.2pt;">principal amount of such Note or by one or more duly appointed agents, each of which may do so in accordance with such appointment with regard to all or any part of such principal amount. Any </font><font style="letter-spacing:-0.3pt;">notice given or action taken by a Holder or its agents with regard to different parts of such principal </font><font style="letter-spacing:-0.25pt;">amount in accordance with this paragraph will have the same effect as if given or taken by separate </font>Holders of each such different part.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:36pt;"></font><font style="letter-spacing:-0.1pt;">Without limiting the generality of this Section 104, a Holder, including a </font>Depositary that is a Holder of a Global Subordinated Note, may make, give or take, by a proxy or proxies, duly appointed in writing, any request, demand, authorization, direction, notice, consent, <font style="letter-spacing:-0.1pt;">waiver or other Act provided in or under this Indenture or the Subordinated Notes to be made, </font><font style="letter-spacing:-0.15pt;">given or taken by Holders, and a Depositary that is a Holder of a Global Subordinated Note may </font>provide its proxy or proxies to the beneficial owners of interests in any such Global Subordinated <font style="letter-spacing:-0.15pt;">Note through such Depositary&#8217;s Applicable Procedures. The Company may fix a record date for the purpose of determining the Persons who are beneficial owners of interests in any Global </font>Subordinated Note entitled under the Applicable Procedures of such Depositary to make, give or take, by a proxy or proxies duly appointed in writing, any request, demand, authorization, <font style="letter-spacing:-0.15pt;">direction, notice, consent, waiver or other action provided in this Indenture to be made, given or taken by Holders. If such a record date is fixed, the Holders on such record date or their duly </font><font style="letter-spacing:-0.1pt;">appointed proxy or proxies, and only such Persons, will be entitled to make, give or take such </font><font style="letter-spacing:-0.15pt;">request, demand, authorization, direction, notice, consent, waiver or other action, whether or not such Holders remain Holders after such record date. No such request, demand, authorization, direction, notice, consent, waiver or other action will be valid or effective if made, given or taken </font>more than 90 days after such record date.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Promptly upon any record date being set in accordance with this Section 104, the Company, at its own expense, will cause notice of the record date, the proposed action by Holders and the expiration date to be given to the Trustee in writing and the Holders in the manner set forth in Section 105.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319893"></a>Section 105<font style="margin-left:36pt;"></font><font style="color:#auto;">Required Notices or Demands.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any notice or communication by the Company or the Trustee to the other is duly given if in writing and delivered in Person or delivered by registered or certified mail (return receipt <font style="letter-spacing:-0.25pt;">requested), facsimile or overnight air courier guaranteeing next day delivery, to the other&#8217;s address:</font></p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU17"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If to the Company:</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Financial Institutions, Inc.</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">220 Liberty Street</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Warsaw, New York 14569</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Attention: General Counsel</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Email: SJBurruano@five-starbank.com</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If to the Trustee:</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Wilmington Trust, National Association</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1100 North Market Street</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Wilmington, Delaware 19890</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Attention: Financial Institutions Notes Administrator</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Facsimile: (302) 636-4145</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company or the Trustee by notice to the other may designate additional or different addresses for subsequent notices or communications.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All notices and communications will be deemed to have been duly given: at the time delivered by hand, if personally delivered; five Business Days after being deposited in the mail, postage prepaid, if delivered by mail; on the first Business Day after being sent, if sent by facsimile and the sender receives confirmation of successful transmission; and the next Business Day after timely delivery to the courier, if sent by overnight air courier guaranteeing next day delivery.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any notice required or permitted to be given to a Holder under the provisions of this <font style="letter-spacing:-0.25pt;">Indenture will be deemed to be properly delivered by being deposited postage prepaid in a post office letter box in the United States addressed to such Holder at the address of such Holder as shown on </font><font style="letter-spacing:-0.2pt;">the Subordinated Note Register. Any report in accordance with Section 313 of the Trust Indenture </font>Act will be transmitted in compliance with subsection (c) therein. If the Company delivers a notice or communication to Holders, the Company will deliver a copy to the Trustee at the same time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In any case where notice to Holders of Subordinated Notes is delivered by mail, neither the failure to deliver such notice, nor any defect in any notice so delivered, to any particular Holder of a Subordinated Note will affect the sufficiency of such notice with respect to other Holders of <font style="letter-spacing:-0.2pt;">Subordinated Notes. Any notice that is delivered in the manner herein provided will be conclusively </font>presumed to have been duly given or provided. In the case by reason of the suspension of regular mail service or by reason of any other cause it will be impracticable to give such notice by mail, then such notification as will be made with the approval of the Trustee will constitute a sufficient notification for every purpose hereunder.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Where this Indenture provides for notice in any manner, such notice may be waived in writing by the Person entitled to receive such notice, either before or after the event, and such <font style="letter-spacing:-0.2pt;">waiver will be the equivalent of such notice. Waivers of notice by Holders of Subordinated Notes </font>will be filed with the Trustee, but such filing will not be a condition precedent to the validity of any action taken in reliance upon such waiver.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU18"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding any other provision herein, where this Indenture provides for notice to </font><font style="letter-spacing:-0.25pt;">any Holder of a Global Subordinated Note, or of an interest therein, such notice will be sufficiently </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">given if given to the Depositary for such Global Subordinated Note (or its designee) according to the applicable procedures of such Depositary prescribed for giving such notice.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319894"></a>Section 106<font style="margin-left:36pt;"></font><font style="color:#auto;">Language of Notices.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any request, demand, authorization, direction, notice, consent or waiver or other Act <font style="letter-spacing:-0.15pt;">required or permitted under this Indenture will be in the English language, except that, if the </font>Company so elects, any published notice may be in an official language of the country of publication.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319895"></a>Section 107<font style="margin-left:36pt;"></font><font style="color:#auto;">Incorporation by Reference of Trust Indenture Act; Conflicts.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Whenever this Indenture refers to a provision of the Trust Indenture Act, the provision is incorporated by reference in and made a part of this Indenture. The Trust Indenture Act term &#8220;<font style="font-style:italic;">obligor</font>&#8221; used in this Indenture means<font style="letter-spacing:-0.2pt;"> the Company and any successor obligor upon </font>the Subordinated Notes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All other terms used in this Indenture that are defined by the Trust Indenture Act, defined by Trust Indenture Act reference to another statute or defined by Commission rule under the Trust Indenture Act have the meanings so assigned to them as of the date of this Indenture. If and to the extent that any provision of this Indenture limits, qualifies or conflicts with another provision <font style="letter-spacing:-0.15pt;">included in this Indenture that is required to be included in this Indenture by any of Sections 310 </font>to 317, inclusive, of the Trust Indenture Act, such required provision will control. If any provision of this Indenture limits, qualifies or conflicts with the duties imposed by Section 318(c) of the Trust Indenture Act, the duties imposed by Section 318(c) of the Trust Indenture Act will control. <font style="letter-spacing:-0.15pt;">If any provision of this Indenture modifies or excludes any provision of the Trust Indenture Act that may be so modified or excluded, the provisions of the Trust Indenture Act will be deemed to apply to this Indenture as so modified or will be excluded, as the case may be.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319896"></a>Section 108<font style="margin-left:36pt;"></font><font style="color:#auto;">Effect of Headings and Table of Contents.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Article and Section headings in this Indenture and the Table of Contents are for convenience only and will not affect the construction of this Indenture.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319897"></a>Section 109<font style="margin-left:36pt;"></font><font style="color:#auto;">Successors and Assigns.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All the covenants, stipulations, promises and agreements in this Indenture by or on behalf of the Company or the Trustee will bind its respective successors and permitted assigns, whether so expressed or not.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319898"></a>Section 110<font style="margin-left:36pt;"></font><font style="color:#auto;">Severability.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In case any provision in this Indenture or any Subordinated Note will be invalid, illegal or <font style="letter-spacing:-0.2pt;">unenforceable, the validity, legality and enforceability of the remaining provisions will not, to the </font><font style="letter-spacing:-0.15pt;">fullest extent permitted by law, in any way be affected or impaired thereby.</font></p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319899"></a><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU19"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 111</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Entire Agreement.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Indenture, the Notes and the exhibits hereto set forth the entire agreement and understanding of the parties related to this transaction and supersedes all prior agreements and understandings, oral or written.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319900"></a>Section 112<font style="margin-left:36pt;"></font><font style="color:#auto;">Benefits of Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Nothing in this Indenture or any Subordinated Note, express or implied, will give to any <font style="letter-spacing:-0.05pt;">Person, other than the parties hereto, any Registrar, any Paying Agent and their respective </font>successors hereunder and the Holders of Subordinated Notes, and the holders of Senior Indebtedness, any benefit or any legal or equitable right, remedy or claim under this Indenture.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319901"></a>Section 113<font style="margin-left:36pt;"></font><font style="color:#auto;">Governing Law.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Indenture and the Subordinated Notes will be governed by and construed in accordance with the laws of the State of New York applicable to agreements made or instruments <font style="letter-spacing:-0.2pt;">entered into and, in each case, performed in said State (without reference to principles of conflicts </font>of law).&nbsp;&nbsp;The Issuer agrees that any suit, action or proceeding against the Issuer brought by any Holder or the Trustee arising out of or based upon this Indenture or the Subordinated Notes may be instituted in any state or Federal court in the Borough of Manhattan, New York, New York, and any appellate court from any thereof, and each of them irrevocably submits to the non&#8209;exclusive jurisdiction of such courts in any suit, action or proceeding.&nbsp;&nbsp;The Issuer irrevocably waives, to the fullest extent permitted by law, any objection to any suit, action, or proceeding that may be brought in connection with this Indenture or the Subordinated Notes, including such actions, suits or proceedings relating to securities laws of the United States of America or any state thereof, in such courts whether on the grounds of venue, residence or domicile or on the ground that any such suit, action or proceeding has been brought in an inconvenient forum.&nbsp;&nbsp;The Issuer agrees that final judgment in any such suit, action or proceeding brought in such court shall be conclusive and binding upon the Issuer, as the case may be, and may be enforced in any court to the jurisdiction of which the Issuer, as the case may be, are subject by a suit upon such judgment</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319902"></a>Section 114<font style="margin-left:36pt;"></font><font style="color:#auto;">Legal Holidays.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Subject to Section 213(d) and unless otherwise specified in or under this Indenture or any Subordinated Notes, in any case where any Interest Payment Date, Stated Maturity or Maturity of, or any other day on which a payment is due with respect to, any Subordinated Note will be a day that is not a Business Day at any Place of Payment, then (notwithstanding any other provision of this Indenture or any Subordinated Note other than a provision in any Subordinated Note or in the Board Resolution, Officers&#8217; Certificate or supplemental indenture establishing the terms of any Subordinated Note <font style="letter-spacing:-0.2pt;">that specifically states that such provision will apply in lieu hereof) payment need not be made at such Place of Payment on such date, but such payment may be made on the next succeeding day </font>that is a Business Day at such Place of Payment with the same force and effect as if made on the Interest Payment Date, at the Stated Maturity or Maturity or on any such other payment date, as the case may be, and no interest will accrue on the amount payable on such date or at such time for the period from and after such Interest Payment Date, Stated Maturity, Maturity or other payment date, as the case may be, to the next succeeding Business Day.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">14</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319903"></a><a name="_AEIOULastRenderedPageBreakAEIOU20"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 115</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Counterparts; Electronic Transmission.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Indenture may be executed in several counterparts, each of which will be an original and all of which will constitute but one and the same instrument. Any facsimile or electronically <font style="letter-spacing:-0.15pt;">transmitted copies hereof or signature hereon will, for all purposes, be deemed originals.&nbsp;&nbsp;Unless otherwise provided herein or in any other related document, the words &#8220;execute&#8221;, &#8220;execution&#8221;, &#8220;signed&#8221;, and &#8220;signature&#8221; and words of similar import used in or related to any document to be signed in connection with this Indenture, any other related document or any of the transactions contemplated hereby (including amendments, waivers, consents and other modifications) shall be deemed to include electronic signatures via Docusign, AdobeSign or other means and the keeping of records in electronic form, each of which shall be of the same legal effect, validity or enforceability as a manually executed signature in ink or the use of a paper-based recordkeeping system, as applicable, to the fullest extent and as provided for in any applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records Act, and any other similar state laws based on the Uniform Electronic Transactions Act, provided that, notwithstanding anything herein to the contrary, the Trustee may conclusively rely upon any such electronic signature, shall in no instance be responsible for determining if any such electronic signature is permitted by applicable law nor be liable for any loss or damages resulting from its reliance upon the same electronic signature, and is not under any obligation to agree to accept electronic signatures in any form or in any format unless expressly agreed to by such Trustee pursuant to procedures approved by the Trustee.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319904"></a>Section 116<font style="margin-left:36pt;"></font><font style="color:#auto;">Immunity of Certain Persons.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No recourse under or upon any obligation, covenant or agreement contained in this <font style="letter-spacing:-0.25pt;">Indenture, or in any Subordinated Note, or because of any indebtedness evidenced thereby, will be </font>had against any past, present or future shareholder, employee, officer or director, as such, of the Company or of any predecessor or successor, either directly or through the Company or any predecessor or successor, under any rule of law, statute or constitutional provision or by the enforcement of any assessment or by any legal or equitable proceeding or otherwise, all such <font style="letter-spacing:-0.2pt;">liability being expressly waived and released by the acceptance of the Subordinated Notes by the </font><font style="letter-spacing:-0.15pt;">Holders and as part of the consideration for the issue of the Subordinated Notes.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319905"></a>Section 117<font style="margin-left:36pt;"></font><font style="color:#auto;">Waiver of Jury Trial.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">EACH PARTY HERETO IRREVOCABLY WAIVES, TO THE FULLEST EXTENT <font style="letter-spacing:-0.35pt;">PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO </font>THIS INDENTURE, THE SUBORDINATED NOTES OR THE TRANSACTIONS CONTEMPLATED HEREBY.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319906"></a>Section 118<font style="margin-left:36pt;"></font><font style="color:#auto;">Force Majeure.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU21"></a>In no event will the Trustee be responsible or liable for any failure or delay in the <font style="letter-spacing:-0.15pt;">performance of its obligations hereunder arising out of or caused by, directly or indirectly, forces </font><font style="letter-spacing:-0.2pt;">beyond its control, including, without limitation, strikes, work stoppages, accidents, acts of war or </font><font style="letter-spacing:-0.15pt;">terrorism, civil or military disturbances, epidemics or pandemics, nuclear or natural catastrophes or </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">15</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;">acts of God, and </font><font style="letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services; it being understood that the Trustee will use reasonable efforts that are </font><font style="letter-spacing:-0.15pt;">consistent with accepted practices in the banking industry to resume performance as soon as </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">practicable under the circumstances.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319907"></a>Section 119<font style="margin-left:36pt;"></font><font style="color:#auto;">USA Patriot Act.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee hereby notifies the Company that in accordance with the requirements of the <font style="letter-spacing:-0.3pt;">USA Patriot Act, it is required to obtain, verify and record information that identifies the Company, </font>which information includes the name and address of the Company and other information that will <font style="letter-spacing:-0.15pt;">allow the Trustee to identify the Company in accordance with the USA Patriot Act.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319908"></a>Section 120<font style="margin-left:36pt;"></font><font style="color:#auto;">No Sinking Fund.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Subordinated Notes are not entitled to the benefit of any sinking fund.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319909"></a>Section 121<font style="margin-left:36pt;"></font><font style="color:#auto;">Rules of Construction.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Unless the context otherwise requires:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">a term has the meaning assigned to it;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">an accounting term not otherwise defined has the meaning assigned to it in accordance with GAAP;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">&#8220;or&#8221; is not exclusive;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;">words in the singular include the plural, and in the plural include the singular;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">&#8220;including&#8221; means including without limitation;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">&#8220;will&#8221; will be interpreted to express a command;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:72pt;"></font><font style="color:#auto;">provisions apply to successive events and transactions;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(8)<font style="margin-left:72pt;"></font><font style="color:#auto;">references to sections of, or rules under, the Securities Act will be deemed to include substitute, replacement or successor sections or rules adopted by the Commission from time to time;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(9)<font style="margin-left:72pt;"></font><font style="color:#auto;">unless the context otherwise requires, any reference to an &#8220;Article,&#8221; &#8220;Section&#8221; or &#8220;clause&#8221; refers to an Article, Section or clause, as the case may be, of this Indenture; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(10)<font style="margin-left:72pt;"></font><font style="color:#auto;">the words &#8220;herein,&#8221; &#8220;hereof and &#8220;hereunder&#8221; and other words of similar import refer to this Indenture</font><font style="color:#auto;font-weight:bold;"> </font><font style="color:#auto;">as a whole and not any particular Article, Section, clause or other subdivision.</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">16</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU22"></a><a name="_Toc51319910"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">ARTICLE II</font><font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319910"></a></font><font style="color:#auto;font-family:Times New Roman;">THE SUBORDINATED NOTES</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319911"></a>Section 201<font style="margin-left:36pt;"></font><font style="color:#auto;">Forms Generally.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Subordinated Notes and the Trustee&#8217;s certificate of authentication and the Global Subordinated Notes and the Trustee&#8217;s certificate of authentication will be substantially in the form of <font style="text-decoration:underline;">Exhibit A-l</font> and <font style="text-decoration:underline;">Exhibit A-2</font>, as applicable, which are a part of this Indenture. The <font style="letter-spacing:-0.25pt;">Subordinated Notes may have notations, legends or endorsements required by law, stock exchange </font>rule or usage (provided that any such notation, legend or endorsement is in a form acceptable to the Company). The Company will provide any such notations, legends or endorsements to the Trustee in writing. Each Subordinated Note will be dated the date of its authentication. The terms <font style="letter-spacing:-0.25pt;">and provisions contained in the Subordinated Notes will constitute, and are hereby expressly made </font>a part of this Indenture and the Company and the Trustee, by their execution and delivery of this Indenture, agree to such terms and provisions and to be bound thereby. However, to the extent <font style="letter-spacing:-0.25pt;">any provision of any Subordinated Note irreconcilably conflicts with the express provisions of this </font>Indenture, the provisions of this Indenture will govern and be controlling.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319912"></a>Section 202<font style="margin-left:36pt;"></font><font style="color:#auto;">Definitive Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Initial Notes and the<font style="letter-spacing:-0.15pt;"> Exchange Notes will be issued initially in the form of one or more Definitive </font>Subordinated Notes, unless, before the issuance of such Initial Notes or Exchange Notes, the Company has determined that the Subordinated Notes may be represented by Global Subordinated Notes and <font style="letter-spacing:-0.15pt;">has so notified the Trustee, in which event the Initial Notes and/or Exchange Notes will be issued in the form of one or more Global Subordinated Notes. Except as provided in Section 207, Holders of Definitive </font><font style="letter-spacing:-0.2pt;">Subordinated Notes will not be entitled to transfer Definitive Subordinated Notes in exchange for </font><font style="letter-spacing:-0.15pt;">beneficial interests in Global Subordinated Notes, and owners of beneficial interests in Global Subordinated Notes will not be entitled to receive physical delivery of Definitive Subordinated </font>Notes.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319913"></a>Section 203<font style="margin-left:36pt;"></font><font style="color:#auto;">Global Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each Global Subordinated Note issued under this Indenture will be deposited with the Trustee at its Corporate Trust Office, as custodian for the Depositary, and registered in the name <font style="letter-spacing:-0.2pt;">of the Depositary or the nominee thereof, duly executed by the Company and authenticated by the Trustee as hereinafter provided. The aggregate principal amount of any Global Subordinated Note </font><font style="letter-spacing:-0.3pt;">may from time to time be increased or decreased by adjustments made on the records of the Trustee </font>and the Depositary as hereinafter provided. Any adjustment of the aggregate principal amount of a Global Subordinated Note to reflect the amount of any increase or decrease in the amount of Outstanding Subordinated Notes represented thereby will be made by the Trustee in accordance <font style="letter-spacing:-0.2pt;">with instructions given by the Holder thereof as required by Section 207 hereof and will be made </font>on the records of the Trustee and the Depositary.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319914"></a>Section 204<font style="margin-left:36pt;"></font><font style="color:#auto;">Restricted Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each Restricted Definitive Subordinated Note and Restricted Global Subordinated Note will bear a legend in substantially the following form:</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">17</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:7.69%;margin-right:7.69%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU23"></a><font style="font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">THE SECURITIES EVIDENCED BY THIS CERTIFICATE HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &#8220;SECURITIES ACT&#8221;) OR UNDER ANY APPLICABLE STATE SECURITIES LAW. THESE SECURITIES MAY NOT BE OFFERED FOR SALE, SOLD, TRANSFERRED OR ASSIGNED (I) IN THE ABSENCE OF (A) AN EFFECTIVE REGISTRATION STATEMENT FOR THE SECURITIES UNDER THE SECURITIES ACT OR (B) AN AVAILABLE EXEMPTION FROM, INCLUDING (BUT NOT LIMITED TO) IN ACCORDANCE AND IN COMPLIANCE WITH RULE 144A UNDER THE SECURITIES ACT, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH APPLICABLE STATE SECURITIES LAWS OR BLUE SKY LAWS AS EVIDENCED BY A LEGAL OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY, IF REQUESTED, OR (II) UNLESS SOLD IN ACCORDANCE WITH RULE 144 UNDER SAID ACT.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Private Placement Legend set forth above will be removed and a new Subordinated Note of like <font style="letter-spacing:-0.2pt;">tenor and principal amount without such Private Placement Legend will be executed by the Company, and </font><font style="letter-spacing:-0.15pt;">upon written request of the Company (together with an Officers&#8217; Certificate and an Opinion of </font><font style="letter-spacing:-0.2pt;">Counsel) given at least three Business Days prior to the proposed authentication date, the Trustee </font>will authenticate and deliver such new Subordinated Note to the respective Holder, if legal counsel <font style="letter-spacing:-0.2pt;">to the Holder or owner of beneficial interests requesting the removal of such Private Placement Legend delivers to the Trustee, any Registrar and Paying Agent (if a different Person than the Trustee) and the Company </font><font style="letter-spacing:-0.05pt;">an Opinion of Counsel in compliance with this Indenture and additionally opining that the </font><font style="letter-spacing:-0.15pt;">Subordinated Note is eligible for immediate resale, without any remaining holding period, under </font>Rule 144 without&nbsp;&nbsp;regard to the requirement for the Company to be in compliance with the current public information required under Rule 144 as to such securities.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319915"></a>Section 205<font style="margin-left:36pt;"></font><font style="color:#auto;">Execution and Authentication.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Subordinated Notes will be executed on behalf of the Company by any Authorized Officer and may (but need not) have the Company&#8217;s corporate seal or a facsimile thereof reproduced <font style="letter-spacing:-0.15pt;">thereon. The signature of an Authorized Officer on the Subordinated Notes may be manual, </font><font style="letter-spacing:-0.2pt;">facsimile or other electronic. Subordinated Notes bearing the manual, facsimile or other electronic signatures of individuals who were </font><font style="letter-spacing:-0.15pt;">at the time of execution Authorized Officers of the Company will, to the fullest extent permitted by law, bind the Company, notwithstanding that such individuals or any of them have ceased to </font>hold such offices prior to the authentication and delivery of such Subordinated Notes or did not hold such offices at the date of such Subordinated Notes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU24"></a>The Trustee or an Authenticating Agent will authenticate and deliver the Initial Notes for <font style="letter-spacing:-0.2pt;">original issue in an aggregate principal amount of up to $35 million</font> <font style="letter-spacing:-0.2pt;">upon one or more Company </font>Orders and an Opinion of Counsel. In addition, the Trustee or an Authenticating Agent will upon receipt of a Company Order, Opinion of Counsel and Officers&#8217; Certificate authenticate and deliver any Exchange Notes for an aggregate <font style="letter-spacing:-0.25pt;">principal amount not to exceed $</font><font style="letter-spacing:-0.2pt;">35</font> million <font style="letter-spacing:-0.25pt;">specified in such Company Order for Exchange Notes </font><font style="letter-spacing:-0.2pt;">issued hereunder. The aggregate principal amount of Outstanding Subordinated Notes at any time may not exceed the amount set forth in the foregoing sentence, except </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">18</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.2pt;">as otherwise provided in this Article II. The Subordinated Notes will be issued only in registered form without coupons and in minimum denominations of $100,000 and any integral multiple of $1,000 in excess thereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee will not be required to authenticate any Subordinated Notes if the issue of such <font style="letter-spacing:-0.2pt;">Subordinated Notes under this Indenture will affect the Trustee&#8217;s own rights, duties or immunities </font><font style="letter-spacing:-0.15pt;">under the Subordinated Notes and this Indenture or otherwise in a manner that is not reasonably acceptable to the Trustee or if the Trustee, being advised by counsel, determines that such action </font>may not lawfully be taken.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No Subordinated Note will be entitled to any benefit under this Indenture or be valid or obligatory for any purpose, unless there appears on such Subordinated Note a certificate of <font style="letter-spacing:-0.25pt;">authentication substantially in the form provided for herein executed by or on behalf of the Trustee </font>or by the Authenticating Agent by the manual signature of one of its authorized signatories. Such <font style="letter-spacing:-0.15pt;">certificate upon any Subordinated Note will be conclusive evidence, and the only evidence, that such Subordinated Note has been duly authenticated and delivered hereunder.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319916"></a>Section 206<font style="margin-left:36pt;"></font><font style="color:#auto;">Registrar and Paying Agent.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will maintain an office or agency where Subordinated Notes may be <font style="letter-spacing:-0.15pt;">presented for registration of transfer or for exchange (&#8220;Registrar&#8221;) and an office or agency where Subordinated Notes may be presented for payment (&#8220;Paying Agent&#8221;). The Registrar will keep a </font>register of the Subordinated Notes (&#8220;Subordinated Note Register&#8221;) and of their transfer and <font style="letter-spacing:-0.15pt;">exchange. The registered Holder of a Subordinated Note will be treated as the owner of the </font><font style="letter-spacing:-0.2pt;">Subordinated Note for all purposes. The Company may appoint one or more co-registrars and one </font>or more additional paying agents. The term &#8220;Registrar&#8221; includes any co-registrar and the term &#8220;Paying Agent&#8221; includes any additional Paying Agent. The Company may change any Paying Agent or Registrar without prior notice to any Holder; provided that no such removal or <font style="letter-spacing:-0.25pt;">replacement will be effective until a successor Paying Agent or Registrar will have been appointed </font><font style="letter-spacing:-0.15pt;">by the Company and will have accepted such appointment. The Company will notify the Trustee </font><font style="letter-spacing:-0.2pt;">in writing of the name and address of any Registrar or Paying Agent not a party to this Indenture. </font><font style="letter-spacing:-0.25pt;">If the Company fails to appoint or maintain another entity as Registrar or Paying Agent, the Trustee </font><font style="letter-spacing:-0.15pt;">will act as such. The Company or any of its Subsidiaries may act as Paying Agent or Registrar.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company initially appoints the Trustee to act as the Paying Agent and Registrar for <font style="letter-spacing:-0.25pt;">the Subordinated Notes and, in the event that any Subordinated Notes are issued in global form, to </font><font style="letter-spacing:-0.05pt;">initially act as custodian with respect to the Global Subordinated Notes. In the event that the </font><font style="letter-spacing:-0.15pt;">Trustee will not be or will cease to be Registrar with respect the Subordinated Notes, it will have </font>the right to examine the Subordinated Note Register at all reasonable times. There will be only one Subordinated Note Register.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319917"></a>Section 207<font style="margin-left:36pt;"></font><font style="color:#auto;">Registration of Transfer and Exchange</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU25"></a>(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">Except as otherwise provided in or under this Indenture, upon surrender for registration of transfer of any Subordinated Note, the Company will execute, and the Trustee will authenticate and deliver, in the name of the designated transferee or transferees, one or more new Subordinated Notes denominated as authorized in or under this Indenture, of a like aggregate </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">19</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;letter-spacing:-0.15pt;">principal amount bearing a number not contemporaneously outstanding and containing identical </font><font style="color:#auto;">terms and provisions.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Except as otherwise provided in or under this Indenture, at the option of the Holder, <font style="letter-spacing:-0.15pt;">Subordinated Notes may be exchanged for other Subordinated Notes containing identical terms and provisions, in any authorized denominations (minimum denominations of $100,000 and any </font>integral multiple of $1,000 in excess thereof), and of a like aggregate principal amount, upon surrender of the Subordinated Notes to be exchanged at any office or agency for such purpose. Whenever any Subordinated Notes are so surrendered for exchange, the Company will execute, <font style="letter-spacing:-0.15pt;">and the Trustee will authenticate and deliver, subject to the terms hereof, the Subordinated Notes that the Holder making the </font>exchange is entitled to receive.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All Subordinated Notes issued upon any registration of transfer or exchange of Subordinated Notes will be the valid obligations of the Company evidencing the same debt and <font style="letter-spacing:-0.15pt;">entitling the Holders thereof to the same benefits under this Indenture as the Subordinated Notes </font>surrendered upon such registration of transfer or exchange.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Every Subordinated Note presented or surrendered for registration of transfer or for <font style="letter-spacing:-0.3pt;">exchange or redemption will (if so required by the Company or the Registrar for such Subordinated </font><font style="letter-spacing:-0.25pt;">Note) be duly endorsed, or be accompanied by a written instrument of transfer in form satisfactory to the Company and the Registrar for such Subordinated Note duly executed by the Holder thereof </font>or his attorney duly authorized in writing.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No service charge will be made for any registration of transfer or exchange of Subordinated <font style="letter-spacing:-0.15pt;">Notes, or any redemption or repayment of Subordinated Notes, or any conversion or exchange of </font>Subordinated Notes for other types of securities or property, but the Company may require <font style="letter-spacing:-0.2pt;">payment of a sum sufficient to pay all taxes, assessments or other governmental charges that may </font><font style="letter-spacing:-0.25pt;">be imposed in connection with the transfer or exchange of the Subordinated Notes from the Holder </font>requesting such transfer or exchange.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Except as otherwise provided in or under this Indenture, the Company will not be required (i) to issue, register the transfer of or exchange any Subordinated Notes during a period beginning at the opening of business 15 days before the day of the selection for redemption of Subordinated <font style="letter-spacing:-0.25pt;">Notes under Section 1003 and ending at the close of business on the day of such selection, or (ii) to </font>register the transfer of or exchange any Subordinated Note, or portion thereof, so selected for <font style="letter-spacing:-0.25pt;">redemption, except in the case of any Subordinated Note to be redeemed in part, the portion thereof </font>not to be redeemed.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any Registrar appointed in accordance with Section 206 hereof will provide to the Trustee <font style="letter-spacing:-0.15pt;">such information as the Trustee may reasonably require in connection with the delivery by such Registrar of Subordinated Notes upon transfer or exchange of Subordinated Notes. No Registrar will be required to make registrations of transfer or exchange of Subordinated Notes during any periods designated in the Subordinated Notes or in this Indenture as periods during which such </font>registration of transfers and exchanges need not be made.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU26"></a>The Trustee will have no obligation or duty to monitor, determine or inquire as to <font style="letter-spacing:-0.2pt;">compliance with any restrictions on transfer imposed under this Indenture or under applicable law </font>with </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">20</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">respect to any transfer of any interest in any Subordinated Note (including any transfers between or among Depositary participants or beneficial owners of interests in any Global </font><font style="letter-spacing:-0.2pt;">Subordinated Note) other than to require delivery of such certificates and other documentation or </font><font style="letter-spacing:-0.25pt;">evidence as are expressly required by, and to do so if and when expressly required by the terms of, </font><font style="letter-spacing:-0.15pt;">this Indenture, and to examine the same to determine substantial compliance as to form with the </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">express requirements hereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Neither the Trustee nor any Paying Agent will have any responsibility for any actions taken or not taken by the Depositary.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">When Definitive Subordinated Notes are presented by a Holder to the </font><font style="color:#auto;letter-spacing:-0.05pt;">Registrar with a request to register the transfer of such Definitive Subordinated Notes or to </font><font style="color:#auto;">exchange such Definitive Subordinated Notes for an equal principal amount of Definitive </font><font style="color:#auto;letter-spacing:-0.15pt;">Subordinated Notes of other authorized denominations, the Registrar will register the transfer or </font><font style="color:#auto;">make the exchange as requested if its reasonable requirements for such transaction are met; </font><font style="color:#auto;letter-spacing:-0.15pt;">provided, however, that the Definitive Subordinated Notes surrendered for transfer or exchange will be duly endorsed or accompanied by a written instrument of transfer in form reasonably </font><font style="color:#auto;letter-spacing:-0.05pt;">satisfactory to the Company and the Registrar, duly executed by the Holder thereof or such </font><font style="color:#auto;">Holder&#8217;s attorney duly authorized in writing.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">A Global Subordinated Note may not be transferred except by the </font><font style="color:#auto;letter-spacing:-0.25pt;">Depositary to a nominee of the Depositary, by a nominee of the Depositary to the Depositary or to </font><font style="color:#auto;">another nominee of the Depositary, or by the Depositary or any such nominee to a successor </font><font style="color:#auto;letter-spacing:-0.2pt;">Depositary or a nominee of such successor Depositary. All Global Subordinated Notes will be </font><font style="color:#auto;letter-spacing:-0.15pt;">exchanged by the Company for Definitive Subordinated Notes if: (i) the Depositary has notified </font><font style="color:#auto;letter-spacing:-0.25pt;">the Company that it is unwilling or unable to continue as Depositary for such Global Subordinated </font><font style="color:#auto;letter-spacing:-0.2pt;">Note or such Depositary has ceased to be a &#8220;clearing agency&#8221; registered under the Exchange Act, </font><font style="color:#auto;letter-spacing:-0.15pt;">and a successor depositary is not appointed by the Company within 90 days, (ii) the Company determines that the Subordinated Notes are no longer to be represented by Global Subordinated </font><font style="color:#auto;letter-spacing:-0.2pt;">Notes and so notifies the Trustee, or (iii) an Event of Default has occurred and is continuing with </font><font style="color:#auto;">respect to the Subordinated Notes and the Depositary or its participant(s) has requested the issuance of Definitive Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any Global Subordinated Note exchanged in accordance with clause (i) or (ii) above will be so exchanged in whole and not in part, and any Global Subordinated Note exchanged in accordance with clause (iii) above may be exchanged in whole or from time to time in part as directed by the Depositary.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU27"></a>Upon the occurrence of any of the preceding events in (i), (ii) or (iii) above, Definitive <font style="letter-spacing:-0.2pt;">Subordinated Notes will be issued in fully registered form, without interest coupons, will have an </font><font style="letter-spacing:-0.25pt;">aggregate Principal Amount equal to that of the Global Subordinated Note or portion thereof to be </font><font style="letter-spacing:-0.15pt;">so exchanged, will be registered in such names and be in such authorized denominations as the </font>Depositary will instruct the Trustee in writing and will bear such legends as provided herein. <font style="letter-spacing:-0.2pt;">Global Subordinated Notes also may be exchanged or replaced, in whole or in part, as provided in </font><font style="letter-spacing:-0.15pt;">Section 209 hereof. Every Subordinated Note authenticated and delivered in exchange for, or in </font><font style="letter-spacing:-0.2pt;">lieu of, a Global Subordinated Note or any portion thereof, in accordance with this Section 207 or </font>Section 209 hereof, will be authenticated and delivered in the form of, and will be, a Global <font style="letter-spacing:-0.2pt;">Subordinated </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">21</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.2pt;">Note, except as otherwise provided herein. A Global Subordinated Note may not be exchanged for another Subordinated Note other than as provided in this Section 207(3); however, </font><font style="letter-spacing:-0.15pt;">beneficial interests in a Global Subordinated Note may be transferred and exchanged as provided </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">in Section 207(4) hereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any Global Subordinated Note to be exchanged in whole will be surrendered by the Depositary to the Trustee. With regard to any Global Subordinated Note to be exchanged in part, either such Global Subordinated Note will be so surrendered for exchange or, if the Trustee is acting as custodian for the Depositary or its nominee with respect to such Global <font style="letter-spacing:-0.3pt;">Subordinated Note, the principal amount thereof will be reduced, by an amount equal to the portion </font>thereof to be so exchanged, by means of an appropriate adjustment made on the records of the Trustee. Upon any such surrender or adjustment, the Trustee will authenticate and deliver the <font style="letter-spacing:-0.05pt;">Subordinated Note issuable on such exchange to or upon the order of the Depositary or an </font>authorized representative thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">The transfer and exchange of beneficial interests in the Global Subordinated </font><font style="color:#auto;">Notes will be effected through the Depositary in accordance with the Applicable Procedures and this Section 207.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">A Definitive Subordinated Note may not be exchanged for a beneficial </font><font style="color:#auto;letter-spacing:-0.3pt;">interest in a Global Subordinated Note unless the Company determines that the Subordinated Notes </font><font style="color:#auto;letter-spacing:-0.25pt;">may be represented by Global Subordinated Notes and so notifies the Trustee. After the Company has determined that the Subordinated Notes may be represented by Global Subordinated Notes and </font><font style="color:#auto;letter-spacing:-0.15pt;">so notifies the Trustee, then upon receipt by the Trustee of a Definitive Subordinated Note, duly </font><font style="color:#auto;">endorsed or accompanied by appropriate instruments of transfer, in form satisfactory to the </font><font style="color:#auto;letter-spacing:-0.15pt;">Trustee, together with written instructions from such Holder directing the Trustee to make, or to direct the Registrar to make, an adjustment on its books and records with respect to such Global Subordinated Note to reflect an increase in the aggregate principal amount of the Subordinated Notes represented by the Global Subordinated Note, such instructions to contain information regarding the Depositary account to be credited with such increase, the Trustee will cancel such Definitive Subordinated Note and cause, or direct the Registrar to cause, in accordance with the </font><font style="color:#auto;">standing instructions and procedures existing between the Depositary and the Registrar, the </font><font style="color:#auto;letter-spacing:-0.15pt;">aggregate principal amount of Subordinated Notes represented by the Global Subordinated Note to be increased by the aggregate principal amount of the Definitive Subordinated Note to be exchanged, and will credit or cause to be credited to the account of the Person specified in such </font><font style="color:#auto;">instructions a beneficial interest in the Global Subordinated Note equal to the principal amount of the Definitive Subordinated Note so cancelled. If no Global Subordinated Notes are then outstanding, the Company will issue and the Trustee will authenticate, upon Company Order, a new Global Subordinated Note in the appropriate principal amount.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU28"></a>(6)<font style="margin-left:72pt;"></font><font style="color:#auto;">At such time as all beneficial interests in a particular Global Subordinated Note have been exchanged for Definitive Subordinated Notes or a particular Global Subordinated </font><font style="color:#auto;letter-spacing:-0.15pt;">Note has been repurchased or canceled in whole and not in part, each such Global Subordinated Note will be returned to or retained and canceled by the Trustee in accordance with Section 212 </font><font style="color:#auto;">hereof. At any time prior to such cancellation, if any beneficial interest in a Global Subordinated </font><font style="color:#auto;letter-spacing:-0.15pt;">Note is exchanged for or transferred to a Person who will take delivery thereof in the form of a beneficial interest in another Global Subordinated Note or for Definitive Subordinated Notes, the principal amount of Subordinated Notes represented by such Global Subordinated Note will be </font><font style="color:#auto;">reduced </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">22</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;">accordingly by adjustments made on the records of the Trustee to reflect such reduction; </font><font style="color:#auto;letter-spacing:-0.05pt;">and if the beneficial interest is being exchanged for or transferred to a Person who will take </font><font style="color:#auto;">delivery thereof in the form of a beneficial interest in another Global Subordinated Note, such </font><font style="color:#auto;letter-spacing:-0.25pt;">other Global Subordinated Note will be increased accordingly by adjustments made on the records </font><font style="color:#auto;">of the Trustee to reflect such increase.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:72pt;"></font><font style="color:#auto;">No Restricted Subordinated Note will be transferred or exchanged except in compliance with the Private Placement Legend or as provided in accordance with </font><font style="color:#auto;letter-spacing:-0.15pt;">Section 208. In addition to the provisions for transfer and exchange set forth in this Section 207, </font><font style="color:#auto;letter-spacing:-0.05pt;">the Trustee, any Registrar and Paying Agent (if a different Person than the Trustee) and the </font><font style="color:#auto;">Company may, prior to effecting any requested transfer or exchange of any Restricted Subordinated Notes, other than an exchange in accordance with Section 208, require that legal </font><font style="color:#auto;letter-spacing:-0.2pt;">counsel to the Holder or owner of beneficial interests requesting such transfer or exchange deliver </font><font style="color:#auto;">to the Trustee, any Registrar and Paying Agent (if a different Person than the Trustee) and the </font><font style="color:#auto;letter-spacing:-0.2pt;">Company, an Opinion of Counsel in compliance with this Indenture and additionally opining that </font><font style="color:#auto;">the transfer or exchange is in compliance with the requirements of the Private Placement Legend and that the Subordinated Note issued to the transferee or in exchange for the </font><font style="color:#auto;letter-spacing:-0.2pt;">Restricted Subordinated Note may be issued free of the Private Placement Legend. Any untransferred or unexchanged balance of a Restricted Subordinated Note will be reissued to the </font><font style="color:#auto;letter-spacing:-0.15pt;">Holder with the Private Placement Legend, unless the Private Placement Legend may be omitted in accordance </font><font style="color:#auto;">with Section 204, as evidenced by the Opinion of Counsel.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319918"></a>Section 208<font style="margin-left:36pt;"></font><font style="color:#auto;">Exchange Offer.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon the occurrence of an Exchange Offer in accordance with the Registration Rights <font style="letter-spacing:-0.2pt;">Agreement, the Company will issue and, upon receipt of a Company Order in accordance with Section 205 hereof, the Trustee will authenticate (i) Unrestricted Definitive Subordinated Notes in </font>an aggregate principal amount equal to the principal amount of the Restricted Definitive <font style="letter-spacing:-0.2pt;">Subordinated Notes tendered in such Exchange Offer for acceptance by Persons that certify in the </font>applicable Letters of Transmittal that (x) they are not Participating Broker-Dealers, (y) they are <font style="letter-spacing:-0.2pt;">not participating in a distribution of the applicable Exchange Notes and (z) they are not Affiliates </font><font style="letter-spacing:-0.05pt;">of the Company, and accepted for exchange in such Exchange Offer or, if permitted by the </font>Company, (ii) one or more Unrestricted Global Subordinated Notes in an aggregate principal amount equal to the principal amount of the beneficial interests in the Restricted Global <font style="letter-spacing:-0.2pt;">Subordinated Notes tendered in such Exchange Offer for acceptance by Persons that certify in the </font>applicable Letters of Transmittal that (x) they are not Participating Broker-Dealers, (y) they are <font style="letter-spacing:-0.2pt;">not participating in a distribution of the applicable Exchange Notes and (z) they are not Affiliates </font><font style="letter-spacing:-0.05pt;">of the Company, and accepted for exchange in such Exchange Offer. Concurrently with the </font><font style="letter-spacing:-0.2pt;">issuance of such Unrestricted Global Subordinated Notes upon exchange of Restricted Global </font>Subordinated Notes, the Trustee will cause the aggregate principal amount of the applicable Restricted Global Subordinated Notes to be reduced accordingly, and the Company will execute and the Trustee will authenticate and deliver to the Persons designated by the Holders of Restricted Definitive Subordinated Notes so accepted Unrestricted Definitive Subordinated Notes in the applicable principal amount. Any Subordinated Notes that remain outstanding after the consummation of such Exchange Offer, and Exchange Notes issued in connection with such Exchange Offer, will be treated as a single class of securities under this Indenture.</p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319919"></a><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">23</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU29"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 209</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Mutilated, Destroyed, Lost and Stolen Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If any mutilated Subordinated Note is surrendered to the Trustee, subject to the provisions of this Section 209, the Company will execute and the Trustee will authenticate and deliver in <font style="letter-spacing:-0.3pt;">exchange therefor a new Subordinated Note containing identical terms and of like principal amount </font>and bearing a number not contemporaneously outstanding.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If there be delivered to the Company and to the Trustee (i) evidence to their satisfaction of the destruction, loss or theft of any Subordinated Note, and (ii) such security or indemnity as may <font style="letter-spacing:-0.15pt;">be required by them to save each of them and any agent of either of them harmless, then, in the absence of notice to the Company or the Trustee that such Subordinated Note has been acquired </font>by a bona fide purchaser, the Company will execute and, upon the Company&#8217;s request the Trustee will authenticate and deliver, in exchange for or in lieu of any such destroyed, lost or stolen Subordinated Note, a new Subordinated Note containing identical terms and of like principal amount and bearing a number not contemporaneously outstanding.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding the foregoing provisions of this Section 209, in case the outstanding principal balance of any mutilated, destroyed, lost or stolen Subordinated Note has become or is about to become due and payable, or is about to be redeemed by the Company pursuant to Article X hereof, the Company in its discretion may, instead of issuing a new Subordinated Note, pay or redeem such Subordinated Note, as the case may be.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon the issuance of any new Subordinated Note under this Section, the Company may <font style="letter-spacing:-0.25pt;">require the payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in relation thereto and any other expenses (including the fees and expenses of the Trustee) </font>connected therewith.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Every new Subordinated Note issued in accordance with this Section in lieu of any <font style="letter-spacing:-0.15pt;">destroyed, lost or stolen Subordinated Note will constitute a separate obligation of the Company, whether or not the destroyed, lost or stolen Subordinated Note will be at any time enforceable by anyone, and will be entitled to all the benefits of this Indenture equally and proportionately with </font>any and all other Subordinated Notes duly issued hereunder.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The provisions of this Section, as amended or supplemented in accordance with this <font style="letter-spacing:-0.2pt;">Indenture with respect to particular Subordinated Notes or generally, will (to the extent lawful) be </font><font style="letter-spacing:-0.15pt;">exclusive and will preclude (to the extent lawful) all other rights and remedies with respect to the replacement or payment of mutilated, destroyed, lost or stolen Subordinated Notes.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319920"></a>Section 210<font style="margin-left:36pt;"></font><font style="color:#auto;">Payment of Interest; Rights to Interest Preserved.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any interest on any Subordinated Note that will be payable, and punctually paid or duly provided for, on any Interest Payment Date will be paid to the Person in whose name such Subordinated Note is registered as of the close of business on the Regular Record Date for such Interest Payment Date.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU30"></a>Any interest on any Subordinated Note that will be payable, but will not be punctually paid <font style="letter-spacing:-0.15pt;">or duly provided for, on any Interest Payment Date for such Subordinated Note (herein called </font>&#8220;Defaulted </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">24</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Interest&#8221;) will cease to be payable to the Holder thereof on the relevant Regular Record </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date by virtue of having been such Holder; and such Defaulted Interest may be paid by the </font><font style="letter-spacing:-0.15pt;">Company, at its election in each case, as provided in either clause (1) or (2) below:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">The Company may elect to make payment of any Defaulted Interest to the </font><font style="color:#auto;">Person in whose name such Subordinated Note will be registered at the close of business on a </font><font style="color:#auto;letter-spacing:-0.05pt;">Special Record Date for the payment of such Defaulted Interest, which will be fixed in the </font><font style="color:#auto;">following manner. The Company will notify the Trustee in writing of the amount of Defaulted </font><font style="color:#auto;letter-spacing:-0.25pt;">Interest proposed to be paid on such Subordinated Note and the date of the proposed payment, and </font><font style="color:#auto;">at the same time the Company will deposit with the Trustee an amount of money equal to the </font><font style="color:#auto;letter-spacing:-0.05pt;">aggregate amount proposed to be paid in respect of such Defaulted Interest or will make </font><font style="color:#auto;">arrangements satisfactory to the Trustee for such deposit on or prior to the date of the proposed </font><font style="color:#auto;letter-spacing:-0.25pt;">payment, such money when so deposited to be held in trust for the benefit of the Person entitled to </font><font style="color:#auto;letter-spacing:-0.2pt;">such Defaulted Interest as in this clause provided. Thereupon, the Company will fix or cause to be </font><font style="color:#auto;">fixed a Special Record Date for the payment of such Defaulted Interest, which will be no less than 15 days from</font><font style="color:#auto;letter-spacing:-0.2pt;"> the proposed payment. The Company (or, </font><font style="color:#auto;">upon the written request of the Company, the Trustee in the name and at the expense of the </font><font style="color:#auto;letter-spacing:-0.2pt;">Company), will cause notice of the proposed payment of such Defaulted Interest and the Special Record Date therefor to be delivered to the Holder of such Subordinated </font><font style="color:#auto;">Note at the Holder&#8217;s address as it appears in the Subordinated Note Register not less than 10 days prior to such Special Record Date. The Company may, in its discretion, in the name and at the expense of the Company cause a similar notice to be published at least once in an Authorized </font><font style="color:#auto;letter-spacing:-0.2pt;">Newspaper of general circulation in the City of </font><font style="color:#auto;">New York, New York</font><font style="color:#auto;letter-spacing:-0.2pt;"> but such publication will not be a </font><font style="color:#auto;">condition precedent to the establishment of such Special Record Date. Notice of the proposed </font><font style="color:#auto;letter-spacing:-0.2pt;">payment of such Defaulted Interest and the Special Record Date therefor having been delivered as </font><font style="color:#auto;">aforesaid, such Defaulted Interest will be paid to the Person in whose name such Subordinated </font><font style="color:#auto;letter-spacing:-0.2pt;">Note will be registered at the close of business on such Special Record Date.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">The Company may make payment of any Defaulted Interest in any other </font><font style="color:#auto;letter-spacing:-0.15pt;">lawful manner not inconsistent with the requirements of any securities exchange on which such </font><font style="color:#auto;">Subordinated Note may be listed, and upon such notice as may be required by such exchange, if, after notice given by the Company to the Trustee of the proposed payment under this Clause, such payment will be deemed practicable by the Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Unless otherwise provided in or under this Indenture or the Subordinated Notes, at the option of the Company, interest on Subordinated Notes that bear interest may be paid by mailing <font style="letter-spacing:-0.25pt;">a check to the address of the Person entitled thereto as such address will appear in the Subordinated </font>Note Register or by transfer to an account maintained by the payee with a bank located in the United States.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Subject to the foregoing provisions of this Section and Section 207, each Subordinated <font style="letter-spacing:-0.2pt;">Note delivered under this Indenture upon registration of transfer of or in exchange for or in lieu of </font>any other Subordinated Note will carry the rights to interest accrued and unpaid, and to accrue, which were carried by such other Subordinated Note.</p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319921"></a><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">25</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU31"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 211</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Persons Deemed Owners.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Prior to due presentment of a Subordinated Note for registration of transfer, the Company, <font style="letter-spacing:-0.25pt;">the Trustee and any agent of the Company or the Trustee may treat the Person in whose name such </font>Subordinated Note is registered in the Subordinated Note Register as the owner of such <font style="letter-spacing:-0.3pt;">Subordinated Note for the purpose of receiving payment of principal of, and (subject to Section 207 </font>and Section 210) interest on, such Subordinated Note and for all other purposes whatsoever, <font style="letter-spacing:-0.15pt;">whether or not any payment with respect to such Subordinated Note will be overdue, and neither the Company, the Trustee or any agent of the Company or the Trustee will be affected by notice </font>to the contrary.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No holder of any beneficial interest in any Global Subordinated Note held on its behalf by <font style="letter-spacing:-0.15pt;">a Depositary will have any rights under this Indenture with respect to such Global Subordinated Note, and such Depositary may be treated by the Company, the Trustee, and any agent of the </font>Company or the Trustee as the owner of such Global Subordinated Note for all purposes <font style="letter-spacing:-0.15pt;">whatsoever. None of the Company, the Trustee, any Paying Agent or the Registrar will have any </font>responsibility or liability for any aspect of the records relating to or payments made on account of <font style="letter-spacing:-0.15pt;">beneficial ownership interests of a Global Subordinated Note or for maintaining, supervising or </font>reviewing any records relating to such beneficial ownership interests.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding the foregoing, nothing herein will prevent the Company, the Trustee, any Paying Agent or the Registrar from giving effect to any written certification, proxy or other authorization furnished by the applicable Depositary, as a Holder, with respect to a Global Subordinated Note or impair, as between such Depositary and the owners of beneficial interests in such Global Subordinated Note, the operation of customary practices governing the exercise of the <font style="letter-spacing:-0.15pt;">rights of such Depositary (or its nominee) as the Holder of such Global Subordinated Note.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319922"></a>Section 212<font style="margin-left:36pt;"></font><font style="color:#auto;">Cancellation.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All Subordinated Notes surrendered for payment, redemption, registration of transfer or <font style="letter-spacing:-0.25pt;">exchange will, if surrendered to any Person other than the Trustee, be delivered to the Trustee, and </font>any such Subordinated Note, as well as Subordinated Notes surrendered directly to the Trustee for any such purpose, will be cancelled promptly by the Trustee. The Company may at any time deliver to the Trustee for cancellation any Subordinated Notes previously authenticated and delivered hereunder which the Company may have acquired in any manner whatsoever, and all <font style="letter-spacing:-0.05pt;">Subordinated Notes so delivered will be cancelled promptly by the Trustee. No Subordinated </font>Notes will be authenticated in lieu of or in exchange for any Subordinated Notes cancelled as provided in this Section, except as expressly permitted by or under this Indenture. All cancelled Subordinated Notes held by the Trustee will be disposed of in accordance with its procedure for the disposition of cancelled Subordinated Notes, and the Trustee upon the written request of the <font style="letter-spacing:-0.3pt;">Company will deliver to the Company a certificate of such disposition</font>.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319923"></a>Section 213<font style="margin-left:36pt;"></font><font style="color:#auto;">Computation of Interest.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU32"></a>From and including the original issue date of the Subordinated Notes to but excluding October 15, 2025 or the earlier Redemption Date contemplated by Article X of this Indenture (the &#8220;Fixed Rate Period&#8221;), at the rate of 4.375% per annum, computed on the basis of a 360-day year consisting of twelve 30-day months and payable semi-annually in arrears on each Fixed Interest </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">26</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Payment Date.&nbsp;&nbsp;From and including October 15, 2025 to but excluding the Maturity Date or earlier Redemption Date contemplated by Article X of this Indenture (the &#8220;Floating Rate Period&#8221;), at the rate per annum, reset quarterly, equal to the Floating Interest Rate (as defined below) determined on the Floating Interest Determination Date (as defined below) of the applicable interest period plus 426.5 basis points, computed on the basis of a 360-day year and the actual number of days elapsed and payable quarterly in arrears (each quarterly period a &#8220;Floating Interest Period&#8221;) on each Floating Interest Payment Date. Dollar amounts resulting from this calculation shall be rounded to the nearest cent, with one-half cent being rounded up.&nbsp;&nbsp;The term &#8220;Floating Interest Determination Date&#8221; means the date upon which the Floating Interest Rate is determined by the Calculation Agent pursuant to the Three-Month Term SOFR Conventions (as defined below).&nbsp;&nbsp;Notwithstanding anything to the contrary, (i) in the event the Three-Month Term SOFR (as defined below) is less than zero, the Three-Month Term SOFR shall be deemed to be zero, and (ii) if a Benchmark Transition Event (as defined below) and its related Benchmark Replacement Date (as defined below) have occurred and the Benchmark Replacement (as defined below) is less than zero, then the Benchmark Replacement shall be deemed to be zero.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:36pt;"></font>An &#8220;<font style="text-decoration:underline;">Interest Payment Date</font>&#8221; is either a Fixed Interest Payment Date or a Floating Interest Payment Date, as applicable. </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:36pt;"></font>The &#8220;<font style="text-decoration:underline;">Floating Interest Rate</font>&#8221; means:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:108pt;"></font>initially Three-Month Term SOFR (as defined below).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:108pt;"></font>Notwithstanding the foregoing <font style="text-decoration:underline;">clause (i)</font> of this <font style="text-decoration:underline;">Section 2(b)</font>:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>If the Calculation Agent determines prior to the relevant Floating Interest Determination Date that a Benchmark Transition Event and its related Benchmark Replacement Date (each of such terms as defined below) have occurred with respect to Three-Month Term SOFR, then the Company shall promptly provide notice of such determination to the Holders and <font style="text-decoration:underline;">Section 2(c)</font> (Effect of Benchmark Transition Event) will thereafter apply to all determinations, calculations and quotations made or obtained for the purposes of calculating the Floating Interest Rate payable on the Subordinated Notes during a relevant Floating Interest Period. </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>However, if the Calculation Agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR, but for any reason the Benchmark Replacement has not been determined as of the relevant Floating Interest Determination Date, the Floating Interest Rate for the applicable Floating Interest Period will be equal to the Floating Interest Rate on the last Floating Interest Determination Date for the Subordinated Notes, as determined by the Calculation Agent (as defined below).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iii)<font style="margin-left:108pt;"></font>If the then-current Benchmark (as defined below) is Three-Month Term SOFR and any of the foregoing provisions concerning the calculation of the interest rate and the payment of interest during the Floating Rate Period are inconsistent with any of the Three-Month Term SOFR Conventions (as defined below) determined by the Company, then the relevant Three-Month Term SOFR Conventions (as defined below) will apply.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">27</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU33"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Effect of Benchmark Transition Event</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:108pt;"></font>If the Calculation Agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred prior to the Reference Time (as defined below) in respect of any determination of the Benchmark (as defined below) on any date, the Benchmark Replacement will replace the then-current Benchmark for all purposes relating to the Subordinated Notes during the relevant Floating Interest Period in respect of such determination on such date and all determinations on all subsequent dates.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:108pt;"></font>In connection with the implementation of a Benchmark Replacement, the Company will have the right to make Benchmark Replacement Conforming Changes from time to time, and such changes shall become effective without consent from the relevant Holders or any other party.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iii)<font style="margin-left:108pt;"></font>Any determination, decision or election that may be made by the Company or by the Calculation Agent pursuant to the benchmark transition provisions set forth herein, including any determination with respect to a tenor, rate or adjustment or of the occurrence or non-occurrence of an event, circumstance or date, and any decision to take or refrain from taking any action or any selection:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>will be conclusive and binding absent manifest error;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>if made by the Company, will be made in the Company&#8217;s sole discretion; </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:144pt;"></font>if made by the Calculation Agent, will be made after consultation with the Company, and the Calculation Agent will not make any such determination, decision or election to which the Company reasonably objects; and</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:144pt;"></font>notwithstanding anything to the contrary in this Subordinated Note or the Purchase Agreement, shall become effective without consent from the relevant Holders or any other party.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iv)<font style="margin-left:108pt;"></font>For the avoidance of doubt, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, interest payable on this Subordinated Note for the Floating Rate Period will be an annual rate equal to the sum of the applicable Benchmark Replacement and the spread specified on the face hereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk51342693"></a>(v)<font style="margin-left:108pt;"></font>As used in this Indenture:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark</font>&#8221; means, initially, Three-Month Term SOFR; provided that if a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or the then-current Benchmark, then &#8220;<font style="text-decoration:underline;">Benchmark</font>&#8221; means the applicable Benchmark Replacement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU34"></a>(2)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement</font>&#8221; means the Interpolated Benchmark with respect to the then-current Benchmark; provided that if (a) the Calculation Agent cannot determine the Interpolated Benchmark as of the Benchmark Replacement Date or (b) the </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">28</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">then-current Benchmark is Three-Month Term SOFR and a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR (in which event no Interpolated Benchmark with respect to Three-Month Term SOFR shall be determined), then &#8220;</font><font style="text-decoration:underline;">Benchmark Replacement</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means the first alternative set forth in the order below that can be determined by the&nbsp;&nbsp;Calculation Agent, as of the Benchmark Replacement Date:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>The sum of (i) Compounded SOFR and (ii) the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the alternate rate of interest that has been selected or recommended by the Relevant Governmental Body as the replacement for the then-current Benchmark for the applicable Corresponding Tenor and (ii)&#160;the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the ISDA Fallback Rate and (ii)&#160;the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">d.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the alternate rate of interest that has been selected by the Company as the replacement for the then-current Benchmark for the applicable Corresponding Tenor giving due consideration to any industry-accepted rate of interest as a replacement for the then-current Benchmark for U.S. dollar denominated floating rate notes at such time and (ii)&#160;the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Adjustment</font>&#8221; means the first alternative set forth in the order below that can be determined by the Calculation Agent, as of the Benchmark Replacement Date:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>the spread adjustment, or method for calculating or determining such spread adjustment, (which may be a positive or negative value or zero) that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>if the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the ISDA Fallback Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>the spread adjustment (which may be a positive or negative value or zero) that has been selected by the Company giving due consideration to any industry-accepted spread adjustment, or method for calculating or determining such spread adjustment, for the replacement of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement for U.S. dollar denominated floating rate notes at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU35"></a>(4)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Conforming Changes</font>&#8221; means, with respect to any Benchmark Replacement, any technical, administrative or operational changes (including changes to the definition of &#8220;<font style="text-decoration:underline;">Floating Interest Period</font>,&#8221; timing and frequency of determining rates with respect to each Floating Interest Period and making payments of interest, rounding of amounts or tenors and other administrative matters) that the Company decides may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">29</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">consistent with market practice (or, if the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Company determines that no market practice for use of the Benchmark Replacement exists, in such other manner as the Company determines is reasonably necessary).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk13921848"></a>(5)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Date</font>&#8221; means the earliest to occur of the following events with respect to the then-current Benchmark:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>in the case of clause (a) of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the relevant Reference Time in respect of any determination;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>in the case of <font style="text-decoration:underline;">clause (b)</font>&#160;or <font style="text-decoration:underline;">(c)</font> of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the later of (i)&#160;the date of the public statement or publication of information referenced therein and (ii)&#160;the date on which the administrator of the Benchmark permanently or indefinitely ceases to provide the Benchmark; or</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>in the case of <font style="text-decoration:underline;">clause (d)</font> of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the date of such public statement or publication of information referenced therein.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference Time for purposes of such determination.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>&#8221; means the occurrence of one or more of the following events with respect to the then-current Benchmark:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>if the Benchmark is Three-Month Term SOFR, (i) the Relevant Governmental Body has not selected or recommended a forward-looking term rate for a tenor of three months based on SOFR, (ii) the development of a forward-looking term rate for a tenor of three months based on SOFR that has been recommended or selected by the Relevant Governmental Body is not complete or (iii) the Company determines that the use of a forward-looking rate for a tenor of three months based on SOFR is not administratively feasible;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>a public statement or publication of information by or on behalf of the administrator of the Benchmark announcing that such administrator has ceased or will cease to provide the Benchmark, permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU36"></a>c.<font style="margin-left:180pt;"></font>a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark, the central bank for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority with jurisdiction over the administrator for the Benchmark or a court or an entity with similar insolvency or resolution authority over the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will cease to </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">30</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">provide the Benchmark permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark; or</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">d.<font style="margin-left:180pt;"></font>a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark announcing that the Benchmark is no longer representative.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk13922026"></a>(7)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Calculation Agent</font>&#8221; means such bank or other entity (which may be the Company or an affiliate of the Company, but shall not be the Trustee without the Trustee&#8217;s express written consent) as may be appointed by the Company to act as Calculation Agent for the Subordinated Notes during the Floating Rate Period.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(8)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Compounded SOFR</font>&#8221; means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this rate, and conventions for this rate being established by the Company or its designee in accordance with:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>the rate, or methodology for this rate, and conventions for this rate selected or recommended by the Relevant Governmental Body for determining compounded SOFR; <font style="font-style:italic;">provided</font> that:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>if, and to the extent that, the Company or its designee determines that Compounded SOFR cannot be determined in accordance with <font style="text-decoration:underline;">clause (a)</font>&#160;above, then the rate, or methodology for this rate, and conventions for this rate that have been selected by the Company or its designee giving due consideration to any industry-accepted market practice for U.S. dollar denominated floating rate notes at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the avoidance of doubt, the calculation of Compounded SOFR will exclude the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(9)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Corresponding Tenor</font>&#8221; with respect to a Benchmark Replacement means a tenor (including overnight) having approximately the same length (disregarding Business Day adjustment) as the applicable tenor for the then-current Benchmark.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(10)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">FRBNY</font>&#8221; means the Federal Reserve Bank of New York.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(11)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">FRBNY&#8217;s Website</font>&#8221; means the website of the FRBNY at http://www.newyorkfed.org, or any successor source.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(12)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Interpolated Benchmark</font>&#8221; with respect to the Benchmark means the rate determined for the Corresponding Tenor by interpolating on a linear basis between: (1)&#160;the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the Corresponding Tenor and (2)&#160;the Benchmark for the shortest period (for which the Benchmark is available) that is longer than the Corresponding Tenor.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(13)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA</font>&#8221; means the International Swaps and Derivatives Association, Inc. or any successor thereto.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">31</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU37"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(14)</font><font style="margin-left:144pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="text-decoration:underline;">ISDA Definitions</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means the 2006 ISDA Definitions published by the ISDA or any successor thereto, as amended or supplemented from time to time, or any successor definitional booklet for interest rate derivatives published from time to time.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(15)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Fallback Adjustment</font>&#8221; means the spread adjustment (which may be a positive or negative value or zero) that would apply for derivatives transactions referencing the ISDA Definitions to be determined upon the occurrence of an index cessation event with respect to the Benchmark for the applicable tenor.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(16)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Fallback Rate</font>&#8221; means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective upon the occurrence of an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable ISDA Fallback Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(17)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Reference Time</font>&#8221; with respect to any determination of a Benchmark means (1) if the Benchmark is Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions, and (2) if the Benchmark is not Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Benchmark Replacement Conforming Changes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(18)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Relevant Governmental Body</font>&#8221; means the Board of Governors of the Federal Reserve System (the &#8220;<font style="text-decoration:underline;">Federal Reserve</font>&#8221;) and/or the FRBNY, or a committee officially endorsed or convened by the Federal Reserve and/or the FRBNY or any successor thereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(19)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">SOFR</font>&#8221; means the daily Secured Overnight Financing Rate provided by the FRBNY, as the administrator of the benchmark (or a successor administrator), on the FRBNY&#8217;s Website.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(20)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Term SOFR</font>&#8221; means the forward-looking term rate for the Corresponding Tenor based on SOFR that has been selected or recommended by the Relevant Governmental Body.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(21)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Term SOFR Administrator</font>&#8221; means any entity designated by the Relevant Governmental Body as the administrator of Term SOFR (or a successor administrator).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(22)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Three-Month Term SOFR</font>&#8221; means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any Floating Interest Period, as determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU38"></a>(23)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Three-Month Term SOFR Conventions</font>&#8221; means any determination, decision or election with respect to any technical, administrative or operational matter (including with respect to the manner and timing of the publication of Three-Month Term SOFR, or changes to the definition of &#8220;Floating Interest Period&#8221;, timing and frequency of determining Three-Month Term SOFR with respect to each Floating Interest Period and making </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">32</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">payments of interest, rounding of amounts or tenors, and other administrative matters) that the Company decides may be appropriate to reflect the use of Three-Month Term SOFR as the Benchmark in a manner substantially consistent with market practice (or, if the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Company determines that no market practice for the use of Three-Month Term SOFR exists, in such other manner as the Company determines is reasonably necessary).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(24)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Unadjusted Benchmark Replacement</font>&#8221; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)<font style="margin-left:36pt;"></font>In the event that any Fixed Interest Payment Date during the Fixed Rate Period falls on a day that is not a Business Day (as defined below), the interest payment due on that date shall be postponed to the next day that is a Business Day and no additional interest shall accrue as a result of that postponement. In the event that any Floating Interest Payment Date during the Floating Rate Period falls on a day that is not a Business Day (as defined below), the interest payment due on that date shall be postponed to the next day that is a Business Day and interest shall accrue to but excluding the date interest is paid. However, if the postponement would cause the day to fall in the next calendar month during the Floating Interest Period, the Floating Interest Payment Date shall instead be brought forward to the immediately preceding Business Day.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319924"></a>Section 214<font style="margin-left:36pt;"></font><font style="color:#auto;">CUSIP Numbers.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company may issue the Subordinated Notes with one or more &#8220;CUSIP&#8221; numbers (if <font style="letter-spacing:-0.25pt;">then generally in use). The Company will promptly notify the Trustee of any change in the CUSIP </font>numbers. The Trustee may use &#8220;CUSIP&#8221; numbers in notices (including but not limited to notices <font style="letter-spacing:-0.2pt;">of redemption or exchange) as a convenience to Holders; provided that any such notice may state </font>that no representation is made as to the correctness of such numbers either as printed on the <font style="letter-spacing:-0.3pt;">Subordinated Notes or as contained in any notice (including any notice of redemption or exchange) </font>and that reliance may be placed only on the other identification numbers printed on the <font style="letter-spacing:-0.2pt;">Subordinated Notes, and any such notice will not be affected by any defect in or omission of such </font>numbers.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319925"></a>ARTICLE III<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319925"></a></font><font style="color:#auto;font-family:Times New Roman;letter-spacing:-0.05pt;">SATISFACTION AND DISCHARGE OF INDENTURE</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319926"></a>Section 301<font style="margin-left:36pt;"></font><font style="color:#auto;">Satisfaction and Discharge.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Indenture will cease to be of further effect, and the Trustee, on receipt of a Company <font style="letter-spacing:-0.25pt;">Order, at the expense of the Company, will execute such instruments reasonably requested by the Company acknowledging satisfaction </font>and discharge of this Indenture, when</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">either</font></p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU39"></a><font style="letter-spacing:-0.05pt;color:#000000;">all Subordinated Notes theretofore authenticated and delivered </font><font style="color:#000000;">(other than (i) Subordinated Notes that have been destroyed, lost or stolen and which have been </font><font style="letter-spacing:-0.25pt;color:#000000;">replaced or paid as provided in Section 209 and (ii) Subordinated Notes for whose payment money </font><font style="letter-spacing:-0.05pt;color:#000000;">has theretofore been deposited in trust or segregated and held in trust by the Company and </font><font style="color:#000000;">thereafter </font></p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">33</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">repaid to the Company or discharged from such trust, as provided in Section 903) have been delivered to the Trustee for cancellation; or</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.15pt;color:#000000;">all Subordinated Notes that have not been delivered to the Trustee </font><font style="color:#000000;">for cancellation (i) have become due and payable, or (ii) will become due and payable at their Stated Maturity within one year, or (iii) if redeemable at the option of the Company, are to be </font><font style="letter-spacing:-0.25pt;color:#000000;">called for redemption within one year under arrangements satisfactory to the Trustee for the giving </font><font style="letter-spacing:-0.15pt;color:#000000;">of notice of redemption by the Trustee in the name, and at the expense, of the Company, and the </font><font style="color:#000000;">Company, in the case of (i), (ii) or (iii) above, has deposited or caused to be deposited with the </font><font style="letter-spacing:-0.25pt;color:#000000;">Trustee as trust funds in trust for such purpose, an amount sufficient to pay and discharge the entire indebtedness on such Subordinated Notes not theretofore delivered to the Trustee for cancellation, including the principal of, and interest on, such Subordinated Notes, to the date of such deposit (in </font><font style="letter-spacing:-0.15pt;color:#000000;">the case of Subordinated Notes which have become due and payable) or to the Maturity thereof, </font><font style="color:#000000;">as the case may be;</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">the Company has paid or caused to be paid all other sums payable hereunder </font><font style="color:#auto;letter-spacing:-0.15pt;">by the Company with respect to the Outstanding Subordinated Notes; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">the Company has delivered to the Trustee an Officers&#8217; Certificate and an Opinion of Counsel, each stating that all conditions precedent herein provided for relating to the </font><font style="color:#auto;">satisfaction and discharge of this Indenture have been satisfied.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding the satisfaction and discharge of this Indenture with respect to the Subordinated Notes, the obligations of the Company to the Trustee under Section 507 and, if money will have been deposited with the Trustee in accordance with Section 301(1)(b), the obligations of the Company and the Trustee with respect to the Subordinated Notes under <font style="letter-spacing:-0.25pt;">Section 303 and Section 903 </font>will survive.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319927"></a>Section 302<font style="margin-left:36pt;"></font><font style="color:#auto;">Defeasance and Covenant Defeasance.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.3pt;">The Company may at its option and at any time, elect to have Section 302(2) </font><font style="color:#auto;">or Section 302(3) be applied to such Outstanding Subordinated Notes upon compliance with the conditions set forth below in this Section 302. Legal Defeasance and Covenant Defeasance may be effected only with respect to all, and not less than all, of the Outstanding Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU40"></a>(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">Upon the Company&#8217;s exercise of the above option applicable to this Section 302(2), the Company will be deemed to have been discharged from its obligations with respect to such Outstanding Subordinated Notes on the date the conditions set forth in clause (4) </font><font style="color:#auto;letter-spacing:-0.2pt;">of this Section 302 are satisfied (&#8220;Legal Defeasance&#8221;). For this purpose Legal Defeasance means that the Company will be deemed to have paid and discharged the entire indebtedness represented </font><font style="color:#auto;">by such Outstanding Subordinated Notes, which will thereafter be deemed to be &#8220;Outstanding&#8221; only for the purposes of Section 302(5) and the other Sections of this Indenture referred to in clauses (i) through (iv) of this paragraph, and to have satisfied all of its other obligations under </font><font style="color:#auto;letter-spacing:-0.3pt;">such Subordinated Notes and this Indenture insofar as such Subordinated Notes are concerned (and </font><font style="color:#auto;">the Trustee, at the expense of the Company, will execute such instruments reasonably requested by the Company acknowledging the </font><font style="color:#auto;letter-spacing:-0.05pt;">same), except for the following which will survive until otherwise terminated or discharged </font><font style="color:#auto;letter-spacing:-0.25pt;">hereunder: (i) the rights of Holders of such Outstanding Subordinated Notes to receive, solely from </font><font style="color:#auto;">the trust fund described in Section 302(4)(a) and as more fully set forth in </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">34</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;">this Section 302 and Section 303, payments in respect of the principal of and interest, if any, on, such Subordinated Notes when such payments are due, (ii) the obligations of the Company and the Trustee with </font><font style="color:#auto;letter-spacing:-0.2pt;">respect to such Subordinated Notes under Section 207, Section 209, Section 902 and Section 903, </font><font style="color:#auto;">(iii) the rights, powers, trusts, duties and immunities of the Trustee hereunder and (iv) this Section 302</font><font style="font-style:italic;color:#auto;"> </font><font style="color:#auto;">and Section 303. The Company may exercise its option under this Section 302(2) </font><font style="color:#auto;letter-spacing:-0.05pt;">notwithstanding the prior exercise of its option under Section 302(3) with respect to such </font><font style="color:#auto;">Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">Upon the Company&#8217;s exercise of the above option applicable to this </font><font style="color:#auto;letter-spacing:-0.15pt;">Section 302(3), the Company will be released from its obligations under clauses (ii) and (iii) of </font><font style="color:#auto;">Section 904 and under Section 905, Section 906 and Section 907 on and after the date the conditions set forth in Section 302(4) are satisfied (&#8220;Covenant Defeasance&#8221;), and such </font><font style="color:#auto;letter-spacing:-0.15pt;">Subordinated Notes will thereafter be deemed to be not &#8220;Outstanding&#8221; for the purposes of any direction, waiver, consent or declaration or Act of Holders (and the consequences of any thereof) </font><font style="color:#auto;letter-spacing:-0.2pt;">in connection with any such covenant, but will continue to be deemed &#8220;Outstanding&#8221; for all other purposes hereunder. For this purpose, such Covenant Defeasance means that with respect to such </font><font style="color:#auto;letter-spacing:-0.3pt;">Outstanding Subordinated Notes, the Company may omit to comply with, and will have no liability </font><font style="color:#auto;letter-spacing:-0.15pt;">in respect of, any term, condition or limitation set forth in any such Section or any such other </font><font style="color:#auto;letter-spacing:-0.2pt;">covenant, whether directly or indirectly, by reason of any reference elsewhere herein to any such </font><font style="color:#auto;letter-spacing:-0.3pt;">Section or such other covenant or by reason of reference in any such Section or such other covenant </font><font style="color:#auto;">to any other provision herein or in any other document and such omission to comply will not constitute a default, but, except as specified above, the remainder of this Indenture and such Subordinated Notes will be unaffected thereby.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;">The following will be the conditions to application of Section 302(2) or Section 302(3) to any Outstanding Subordinated Notes:</font></p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">The Company will irrevocably have deposited or caused to be deposited with the Trustee (or another trustee satisfying the requirements of Section 508 who will </font><font style="letter-spacing:-0.15pt;color:#000000;">agree to comply with the provisions of this Section 302 applicable to it) as trust funds in trust for </font><font style="color:#000000;">the purpose of making the following payments, specifically pledged as security for, and dedicated solely to, the benefit of the Holders, (i) an amount in Dollars, (ii) Government Obligations that </font><font style="letter-spacing:-0.25pt;color:#000000;">through the scheduled payment of principal and interest in respect thereof in accordance with their </font><font style="letter-spacing:-0.15pt;color:#000000;">terms will provide, not later than one day before the due date of any payment of principal of and interest, if any, on such Subordinated Notes, money or (iii) a combination thereof, in any case, in </font><font style="letter-spacing:-0.2pt;color:#000000;">an amount, sufficient, without consideration of any reinvestment of such principal and interest, in </font><font style="color:#000000;">the opinion of a nationally recognized firm of independent public accountants expressed in a written certification thereof delivered to the Trustee, to pay and discharge, and which will be applied by the Trustee (or other qualifying trustee) to pay and discharge, the principal of and </font><font style="letter-spacing:-0.2pt;color:#000000;">interest, if any, on, such Outstanding Subordinated Notes on the Stated Maturity of such principal </font><font style="letter-spacing:-0.15pt;color:#000000;">or installment of principal or interest or the applicable Redemption Date, as the case may be.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.2pt;color:#000000;">Such Legal Defeasance or Covenant Defeasance will not result in a </font><font style="letter-spacing:-0.25pt;color:#000000;">breach or violation of, or constitute a default under, this Indenture or any other material agreement </font><font style="color:#000000;">or instrument to which the Company or any Subsidiary is a party or by which it is bound.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU41"></a><font style="letter-spacing:-0.2pt;color:#000000;">No Event of Default or event which with notice or lapse of time or </font><font style="letter-spacing:-0.05pt;color:#000000;">both would become an Event of Default with respect to such Subordinated Notes will have </font><font style="letter-spacing:-0.25pt;color:#000000;">occurred and </font></p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">35</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.25pt;color:#000000;">be continuing on the date of such deposit, and, solely in the case of Legal Defeasance </font><font style="color:#000000;">under Section 302(2), no Event of Default, or event which with notice or lapse of time or both </font><font style="letter-spacing:-0.25pt;color:#000000;">would become an Event of Default, under Section 401 will have occurred and be continuing at any time during the period ending on and including the 91</font><font style="letter-spacing:-0.25pt;color:#000000;"><sup style="font-size:85%;line-height:120%;vertical-align:top">st</sup></font><font style="letter-spacing:-0.25pt;color:#000000;"> day after the date of such deposit (it being </font><font style="color:#000000;">understood that this condition to Legal Defeasance under Section 302(2) will not be deemed satisfied until the expiration of such period).</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">In the case of Legal Defeasance, the Company will have delivered to the Trustee an Opinion of Counsel stating that (i) the </font><font style="letter-spacing:-0.25pt;color:#000000;">Company has received from, or there has been published by, the Internal Revenue Service a ruling or (ii) since the date of this Indenture there has been a change in applicable federal income tax law, </font><font style="letter-spacing:-0.3pt;color:#000000;">in either case to the effect that, and based thereon such opinion of independent counsel will confirm </font><font style="letter-spacing:-0.2pt;color:#000000;">that, the Holders of such Outstanding Subordinated Notes will not recognize income, gain or loss </font><font style="letter-spacing:-0.25pt;color:#000000;">for federal income tax purposes as a result of such Legal Defeasance and will be subject to federal </font><font style="letter-spacing:-0.15pt;color:#000000;">income tax on the same amounts, in the same manner and at the same times as would have been </font><font style="color:#000000;">the case if such Legal Defeasance had not occurred.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(e)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">In the case of Covenant Defeasance, the Company will have delivered to the Trustee an Opinion of Counsel to the effect that the Holders of such Outstanding Subordinated Notes will not recognize income, gain or loss for federal income tax purposes as a result of such Covenant Defeasance and will be subject to </font><font style="letter-spacing:-0.25pt;color:#000000;">federal income tax on the same amounts, in the same manner and at the same times as would have </font><font style="color:#000000;">been the case if such Covenant Defeasance had not occurred.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(f)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.05pt;color:#000000;">The Company will have delivered to the Trustee an Officers&#8217; </font><font style="color:#000000;">Certificate and an Opinion of Counsel, each stating that all conditions precedent to the Legal Defeasance or Covenant Defeasance, as the case may be, under this Indenture have been satisfied.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(g)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">If the moneys or Government Obligations or combination thereof, as the case may be, deposited under Section 302(4)(a) above are sufficient to pay the principal of, and interest, if any, on, such Subordinated Notes provided such Subordinated Notes are redeemed </font><font style="letter-spacing:-0.25pt;color:#000000;">on a particular Redemption Date, the Company will have given the Trustee irrevocable instructions </font><font style="color:#000000;">to redeem such Subordinated Notes on such date and to provide notice of such redemption to Holders as provided in or under this Indenture.</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(h)</font></p></td>
<td valign="top">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">The Trustee will have received such other documents, assurances and Opinions of Counsel as the Trustee will have reasonably required.</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;">Subject to the provisions of the last paragraph of Section 903, all money and Government Obligations deposited with the Trustee (or other qualifying trustee, collectively </font><font style="color:#auto;letter-spacing:-0.2pt;">for purposes of this Section 302(5), the &#8220;Trustee&#8221;) in accordance with Section 302(4)(a) in respect </font><font style="color:#auto;letter-spacing:-0.05pt;">of any Outstanding Subordinated Notes will be held in trust and applied by the Trustee, in </font><font style="color:#auto;">accordance with the provisions of such Subordinated Notes and this Indenture, to the payment, </font><font style="color:#auto;letter-spacing:-0.25pt;">either directly or through any Paying Agent (other than the Company or any Subsidiary or Affiliate </font><font style="color:#auto;letter-spacing:-0.2pt;">of the Company acting as Paying Agent) as the Trustee may determine, to the Holders of all sums </font><font style="color:#auto;letter-spacing:-0.3pt;">due and to become due thereon in respect of principal and interest but such money and Government</font><font style="color:#auto;letter-spacing:-0.3pt;font-weight:bold;"> </font><font style="color:#auto;">Obligations need not be segregated from other funds, except to the extent required by law.</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">36</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU42"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will pay and indemnify the Trustee against any tax, fee or other charge, </font><font style="letter-spacing:-0.15pt;">imposed on or assessed against the Government Obligations deposited in accordance with this Section 302 or the principal or interest received in respect thereof other than any such tax, fee or </font><font style="letter-spacing:-0.3pt;">other charge which by law is for the account of the Holders of the Outstanding Subordinated Notes.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319928"></a>Section 303<font style="margin-left:36pt;"></font><font style="color:#auto;">Application of Trust Money.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Subject to the provisions of the last paragraph of Section 903, all money and Government Obligations deposited with the Trustee in accordance with Section 301 or Section 302 will be held in trust and applied by the Trustee, in accordance with the provisions of such Subordinated Notes subject to discharge under Section 301 or Legal Defeasance or Covenant Defeasance under Section 302, and this Indenture, to the payment, either directly or through any Paying Agent (including the Company, acting as its own Paying Agent) as the Trustee may determine, to the Persons entitled thereto, of the principal and interest for whose payment such money has or <font style="letter-spacing:-0.25pt;">Government Obligations have been deposited with or received by the Trustee; but such money and Government Obligations need not be segregated from other funds, except to the extent required by </font>law.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319929"></a>Section 304<font style="margin-left:36pt;"></font><font style="color:#auto;">Reinstatement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If the Trustee (or other qualifying trustee appointed in accordance with Section 302(4)(a)) <font style="letter-spacing:-0.15pt;">or any Paying Agent is unable to apply any moneys or Government Obligations deposited in </font><font style="letter-spacing:-0.25pt;">accordance with Section 301(1) or Section 302(4)(a) to pay any principal of, or interest, if any, on, </font><font style="letter-spacing:-0.15pt;">the Subordinated Notes by reason of any legal proceeding or any order or judgment of any court </font>or governmental authority enjoining, restraining or otherwise prohibiting such application, then <font style="letter-spacing:-0.15pt;">the Company&#8217;s obligations under this Indenture and the Subordinated Notes will be revived and </font>reinstated as though no such deposit had occurred, until such time as the Trustee (or other qualifying trustee) or Paying Agent is permitted to apply all such moneys and Government <font style="letter-spacing:-0.25pt;">Obligations to pay the principal of, and interest, if any, on the Subordinated Notes as contemplated </font>by Section 301 or Section 302 as the case may be; provided, however, that if the Company makes any payment of the principal of, or interest if any on, the Subordinated Notes following the <font style="letter-spacing:-0.15pt;">reinstatement of its obligations as aforesaid, the Company will be subrogated to the rights of the Holders of such Subordinated Notes to receive such payment from the funds held by the Trustee </font>(or other qualifying trustee) or Paying Agent.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319930"></a>Section 305<font style="margin-left:36pt;"></font><font style="color:#auto;">Effect on Subordination Provisions.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU43"></a>The provisions of Article XI are expressly made subject to the provisions for, and to the <font style="letter-spacing:-0.15pt;">right of the Company to effect, the satisfaction and discharge of all of the Subordinated Notes as </font>set forth in and in accordance with Section 301 and the provisions for, and to the right of the <font style="letter-spacing:-0.15pt;">Company to effect, Legal Defeasance and Covenant Defeasance of all of the Subordinated Notes </font><font style="letter-spacing:-0.2pt;">as set forth in and in accordance with Section 302. As a result, and anything herein to the contrary </font><font style="letter-spacing:-0.05pt;">notwithstanding, if the Company complies with the provisions of Section 301 to effect the </font>satisfaction and discharge of the Subordinated Notes or complies with the provisions of <font style="letter-spacing:-0.05pt;">Section 302 to effect the Legal Defeasance or Covenant Defeasance, upon the effectiveness of </font>such satisfaction and discharge in accordance with Section 301 or of Legal Defeasance or <font style="letter-spacing:-0.2pt;">Covenant Defeasance in accordance with Section 302, in the case of satisfaction and discharge in </font><font style="letter-spacing:-0.05pt;">accordance with Section 301, or, in the case of Legal Defeasance or Covenant Defeasance in </font><font style="letter-spacing:-0.15pt;">accordance with Section 302, the Subordinated Notes as to which Legal Defeasance or Covenant </font><font style="letter-spacing:-0.05pt;">Defeasance, as the case may be, will have become </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">37</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.05pt;">effective will thereupon cease to be so </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">subordinated in right of payment to the Senior Indebtedness and will no longer be subject to the </font><font style="letter-spacing:-0.15pt;">provisions of Article XI and, without limitation to the foregoing, all moneys and Government </font><font style="letter-spacing:-0.25pt;">Obligations deposited with the Trustee (or other qualifying trustee) in trust in connection with such </font><font style="letter-spacing:-0.2pt;">satisfaction and discharge. Legal Defeasance or Covenant Defeasance, as the case may be, and all </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">proceeds therefrom may be applied to pay the principal of, and interest, if any, on, such Subordinated Notes as and when the same will become due and payable notwithstanding the provisions of Article XI without regard to whether any or all of the Senior Indebtedness then outstanding will have been paid or otherwise provided for.</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319931"></a>ARTICLE IV<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319931"></a>REMEDIES</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319932"></a>Section 401<font style="margin-left:36pt;"></font><font style="color:#auto;">Events of Default; Acceleration.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An &#8220;Event of Default&#8221; means any one of the following events (whatever the reason for <font style="letter-spacing:-0.15pt;">such Event of Default and whether it will be voluntary or involuntary or be effected by operation </font>of law or in accordance with any judgment, decree, or order of any court or any order, rule, or regulation of any administrative or governmental body):</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">the entry of a decree or order for relief in respect of the Company by a court </font><font style="color:#auto;">having jurisdiction in the premises in an involuntary case or proceeding under any applicable </font><font style="color:#auto;letter-spacing:-0.15pt;">bankruptcy, insolvency, or reorganization law, now or hereafter in effect of the United States </font><font style="color:#auto;letter-spacing:-0.05pt;">or any political subdivision thereof, and such decree or order will have continued </font><font style="color:#auto;">unstayed and in effect for a period of 60 consecutive days;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">the commencement by the Company of a voluntary case under any </font><font style="color:#auto;letter-spacing:-0.2pt;">applicable bankruptcy, insolvency or reorganization law, now or hereafter in effect of the United States or any political subdivision thereof, or the consent by the Company to the entry of a decree or order for relief in an involuntary case or proceeding under any such law;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the failure of the Company to pay any installment of interest on any of the </font><font style="color:#auto;letter-spacing:-0.15pt;">Subordinated Notes as and when the same will become due and payable, and the continuation of </font><font style="color:#auto;">such failure for a period of 30 days;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">the failure of the Company to pay all or any part of the principal of any of </font><font style="color:#auto;letter-spacing:-0.2pt;">the Subordinated Notes as and when the same will become due and payable under this Indenture;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU44"></a>(5)<font style="margin-left:72pt;"></font><font style="color:#auto;">the failure of the Company to perform any other covenant or agreement on </font><font style="color:#auto;letter-spacing:-0.05pt;">the part of the Company contained in the Subordinated Notes or in this Indenture, and the </font><font style="color:#auto;">continuation of such failure for a period of 60 days after the date on which notice specifying such </font><font style="color:#auto;letter-spacing:-0.05pt;">failure, stating that such notice is a &#8220;Notice of Default&#8221; hereunder and demanding that the </font><font style="color:#auto;">Company remedy the same, will have been given, in the manner set forth in Section 105, to the Company by the Trustee, or to the Company and the Trustee by the</font><font style="color:#auto;font-weight:bold;"> </font><font style="color:#auto;">Holders of at least 25% in </font><font style="color:#auto;letter-spacing:-0.15pt;">aggregate</font><font style="color:#auto;letter-spacing:-0.15pt;font-weight:bold;"> </font><font style="color:#auto;letter-spacing:-0.15pt;">principal amount of the Subordinated Notes at the time Outstanding; or </font><font style="color:#auto;letter-spacing:-0.05pt;">the default by the Company under any bond, debenture, note or other </font><font style="color:#auto;letter-spacing:-0.15pt;">evidence of indebtedness for money borrowed by the Company having an aggregate principal </font><font style="color:#auto;letter-spacing:-0.2pt;">amount outstanding of at least $25,000,000, whether such indebtedness now exists or is created or </font><font style="color:#auto;letter-spacing:-0.15pt;">incurred in the future, which default (i) constitutes a failure to pay any portion </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">38</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;letter-spacing:-0.15pt;">of the principal of </font><font style="color:#auto;letter-spacing:-0.2pt;">such indebtedness when due and payable after the expiration of any applicable grace period or (ii) </font><font style="color:#auto;letter-spacing:-0.15pt;">results in such indebtedness becoming due or being declared due and payable prior to the date on </font><font style="color:#auto;">which it otherwise would have become due and payable without, in the case of clause (i), such </font><font style="color:#auto;letter-spacing:-0.05pt;">indebtedness having been discharged or, in the case of clause (ii), without such indebtedness </font><font style="color:#auto;letter-spacing:-0.15pt;">having been discharged or such acceleration having been rescinded or annulled.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon becoming aware of any Event of Default, the Company will promptly deliver to the <font style="letter-spacing:-0.15pt;">Trustee a written statement specifying the Event of Default.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If an Event of Default described in Section 401(1) or Section 401(2) occurs, then the <font style="letter-spacing:-0.2pt;">principal amount of all of the Outstanding Subordinated Notes, and accrued and unpaid interest, if </font><font style="letter-spacing:-0.15pt;">any, on all Outstanding Subordinated Notes will become and be immediately due and payable </font>without any declaration or other act on the part of the Trustee or any Holder, and the Company <font style="letter-spacing:-0.15pt;">waives demand, presentment for payment, notice of nonpayment, notice of protest, and all other notices. Notwithstanding the foregoing, because the Company will treat the Subordinated Notes </font>as Tier 2 Capital, upon the occurrence of an Event of Default other than an Event of Default described in Section 401(1) or Section 401(2), neither the Trustee nor any Holder may <font style="letter-spacing:-0.2pt;">accelerate the Maturity of the Subordinated Notes and make the principal of, and any accrued and </font><font style="letter-spacing:-0.15pt;">unpaid interest on, the Subordinated Notes, immediately due and payable.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If any Event of Default occurs and is continuing, the Trustee may also pursue any other <font style="letter-spacing:-0.2pt;">available remedy to collect the payment of principal of, and interest on, the Subordinated Notes or </font><font style="letter-spacing:-0.15pt;">to enforce the performance of any provision of the Subordinated Notes or this Indenture.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319933"></a>Section 402<font style="margin-left:36pt;"></font><font style="color:#auto;">Failure to Make Payments.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If an Event of Default described in Section 401(3) or Section 401(4) occurs,<font style="letter-spacing:-0.2pt;"> the Company will, upon demand of the Trustee, pay to the Trustee, for </font>the benefit of the Holders of such Subordinated Notes, the whole amount then due and payable with respect to such Subordinated Notes, with interest upon the overdue principal, and, to the <font style="letter-spacing:-0.05pt;">extent permitted by applicable law, upon any overdue installments of interest at the rate or </font><font style="letter-spacing:-0.2pt;">respective rates, as the case may be, provided for or with respect to such Subordinated Notes or, if no such rate or rates are so provided, at the rate or respective rates, as the case may be, of interest borne by such Subordinated Notes, and, in addition thereto, such further amount of money as will </font><font style="letter-spacing:-0.25pt;">be sufficient to cover the costs and expenses of collection, including the reasonable compensation, expenses, disbursements and advances of the Trustee, its agents and counsel and all other amounts </font>due to the Trustee under Section 507.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If the Company fails to pay the money it is required to pay the Trustee, <font style="letter-spacing:-0.15pt;">the Trustee, in its own name and as trustee of an express trust, may institute a judicial proceeding for the collection of the sums so due and unpaid, may prosecute such proceeding to judgment or </font>final decree, and may enforce the same against the Company or any other obligor upon such Subordinated Notes and collect the moneys adjudged or decreed to be payable in the manner <font style="letter-spacing:-0.15pt;">provided by law out of the property of the Company, wherever situated.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU45"></a>The Trustee may proceed to protect and enforce its rights and the rights of the Holders of Subordinated Notes by such appropriate judicial proceedings as the Trustee will <font style="letter-spacing:-0.15pt;">deem most effectual to protect and enforce any such rights, whether for the specific enforcement of any covenant </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">39</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;">or agreement in this Indenture or in aid of the exercise of any power granted in </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">this Indenture, or to enforce any other proper remedy.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon an Event of Default<font style="letter-spacing:-0.3pt;">, the Company may not declare or pay any dividends </font><font style="letter-spacing:-0.15pt;">or distributions on, or redeem, purchase, acquire, or make a liquidation payment with respect to, </font><font style="letter-spacing:-0.2pt;">any of the Company&#8217;s capital stock, make any payment of principal or interest or premium, if any, </font>on or repay, repurchase or redeem any debt securities of the Company that rank equal with or <font style="letter-spacing:-0.25pt;">junior to the Subordinated Notes, or make any payments under any guarantee that ranks equal with </font><font style="letter-spacing:-0.15pt;">or junior to the Subordinated Notes, other than: (i) any dividends or distributions in shares of, or </font><font style="letter-spacing:-0.25pt;">options, warrants or rights to subscribe for or purchase shares of, any class of Company&#8217;s Common Stock</font><font style="letter-spacing:-0.15pt;">; (ii) any declaration of a dividend in connection with the implementation of a shareholders&#8217; </font>rights plan, or the issuance of stock under any such plan in the future, or the redemption or <font style="letter-spacing:-0.15pt;">repurchase of any such rights pursuant thereto; (iii) as a result of a reclassification of Company&#8217;s </font>capital stock or the exchange or conversion of one class or series of Company&#8217;s capital stock for <font style="letter-spacing:-0.25pt;">another class or series of Company&#8217;s capital stock; (iv) the purchase of fractional interests in shares </font>of Company&#8217;s capital stock in accordance with the conversion or exchange provisions of such capital stock or the security being converted or exchanged; or (v) purchases of any class of <font style="letter-spacing:-0.15pt;">Company&#8217;s Common Stock related to the issuance of Common Stock or rights under any benefit </font><font style="letter-spacing:-0.2pt;">plans for Company&#8217;s directors, officers or employees or any of Company&#8217;s dividend reinvestment </font>plans.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319934"></a>Section 403<font style="margin-left:36pt;"></font><font style="color:#auto;">Trustee May File Proofs of Claim.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In case of any judicial proceeding relative to the Company (or any other obligor upon the <font style="letter-spacing:-0.15pt;">Subordinated Notes), its property or its creditors, the Trustee will be entitled and empowered, by </font><font style="letter-spacing:-0.25pt;">intervention in such proceeding or otherwise, to take any and all actions authorized under the Trust </font>Indenture Act in order to have claims of the Holders and the Trustee allowed in any such proceeding. In particular, the Trustee will be authorized to </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">file and prove a claim for the whole amount, or such lesser amount as may </font><font style="color:#auto;">be provided for in the Subordinated Notes, of the principal and interest owing and unpaid in respect of such Subordinated Notes and to file such other papers or documents as may be necessary or advisable in order to have the claims of the Trustee (including any claim for the reasonable </font><font style="color:#auto;letter-spacing:-0.2pt;">compensation, expenses, disbursements and advances of the Trustee, its agents or counsel) and of </font><font style="color:#auto;letter-spacing:-0.15pt;">the Holders of such Subordinated Notes allowed in such judicial proceeding, and </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">collect and receive any moneys or other property payable or deliverable on </font><font style="color:#auto;">any such claims and to distribute the same;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and any custodian, receiver, assignee, trustee, liquidator, sequestrator, or other similar official in any such judicial proceeding is authorized by each Holder to make such payments to the Trustee and, in the event that the Trustee will consent to the making of such payments directly to the Holders and to pay to the Trustee any amount due it for the reasonable compensation, expenses, <font style="letter-spacing:-0.25pt;">disbursements, and advances of the Trustee, its agents and counsel, and any other amounts due hereunder</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU46"></a>No provision of this Indenture will be deemed to authorize the Trustee to authorize or <font style="letter-spacing:-0.15pt;">consent to or accept or adopt on behalf of any Holder any plan of reorganization, arrangement, adjustment, or composition affecting the Subordinated Notes or the rights of any Holder or to </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">40</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.05pt;">authorize the Trustee to vote in respect of the claim of any Holder in any such proceeding; </font><font style="letter-spacing:-0.15pt;">provided, however, the Trustee may vote on behalf of the Holders for the election of a trustee in bankruptcy or similar official and may be a member of a creditors, or other similar committee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319935"></a>Section 404<font style="margin-left:36pt;"></font><font style="color:#auto;">Trustee May Enforce Claims Without Possession of Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All rights of action and claims under this Indenture or the Subordinated Notes may be <font style="letter-spacing:-0.15pt;">prosecuted and enforced by the Trustee without the possession of any of the Subordinated Notes </font>or the production of such Subordinated Notes in any related proceeding, and any such proceeding <font style="letter-spacing:-0.15pt;">instituted by the Trustee will be brought in its own name as trustee of an express trust, and any </font>recovery of judgment will, after provision for the payment of the reasonable compensation, <font style="letter-spacing:-0.15pt;">expenses, disbursements, and advances of the Trustee, its agents, and counsel, be for the ratable benefit of the Holders in respect of which such judgment has been recovered.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319936"></a>Section 405<font style="margin-left:36pt;"></font><font style="color:#auto;">Application of Money Collected.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any money collected by the Trustee in accordance with this Article IV or, after an Event of Default, any money or other property distributable in respect of the Company&#8217;s obligations <font style="letter-spacing:-0.25pt;">under this Indenture will be applied in the following order, at the date or dates fixed by the Trustee </font>and, in case of the distribution of such money on account of principal or any interest, upon <font style="letter-spacing:-0.05pt;">presentation of the Subordinated Notes and the notation on such Subordinated Notes of the </font>payment if only partially paid and upon surrender of such Subordinated Notes if fully paid:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">FIRST: To the payment of all amounts due the Trustee, acting in any capacity hereunder, (including any predecessor trustee) under Section 507;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">SECOND: To the payment of amounts then due and unpaid to the holders of Senior Indebtedness, to the extent required under the Subordination Provisions established with respect to the Subordinated Notes;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THIRD: To the payment of the amounts then due and unpaid for principal of and any interest on the Subordinated Notes in respect of which or for the benefit of which such money has <font style="letter-spacing:-0.15pt;">been collected, ratably, without preference or priority of any kind, according to the aggregate </font>amounts due and payable on such Subordinated Notes for principal and interest, respectively; and</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">FOURTH: The balance, if any, to the Person or Persons entitled thereto.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319937"></a>Section 406<font style="margin-left:36pt;"></font><font style="color:#auto;">Limitation on Suits.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No Holder of any Subordinated Note will have any right to institute any proceeding, judicial or otherwise, with respect to this Indenture or any Subordinated Notes, or for the appointment of a receiver or trustee, or for any other remedy under this Indenture, unless:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">such Holder has previously given written notice to the Trustee of a continuing Event of Default with respect to the Subordinated Notes;</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">41</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU47"></a><font style="font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)</font><font style="margin-left:72pt;"></font><font style="color:#auto;">the Holders of not less than 25% in aggregate principal amount of the </font><font style="color:#auto;letter-spacing:-0.05pt;">Outstanding Subordinated Notes will have made written request to the Trustee to institute </font><font style="color:#auto;letter-spacing:-0.15pt;">proceedings in respect of such Event of Default in its own name as Trustee under the Indenture;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">such Holder or Holders have offered, and if requested, provided to the Trustee security and indemnity satisfactory to the Trustee against the costs, expenses, and liabilities to be incurred in compliance </font><font style="color:#auto;">with such request;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Trustee for 60 days after its receipt of such notice, request, and offer of </font><font style="color:#auto;">indemnity has failed to institute any such proceeding; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">no direction inconsistent with such written request has been given to the </font><font style="color:#auto;">Trustee during such 60-day period by the Holders of a majority of the aggregate principal amount of the Outstanding Subordinated Notes;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">it being understood and intended that no one or more of such Holders will have any right in any manner whatever by virtue of, or by availing of, any provision of this Indenture to affect, disturb, or prejudice the rights of any other of such Holders, or to obtain or to seek to obtain priority or preference over any other of such Holders or to enforce any right under this Indenture, except in the manner provided in this Indenture and for the equal and ratable benefit of all of such Holders.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319938"></a>Section 407<font style="margin-left:36pt;"></font><font style="color:#auto;">Unconditional Right of Holders to Payments.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding any other provision in this Indenture, the Holder of any Subordinated <font style="letter-spacing:-0.2pt;">Note will have the right, which is absolute and unconditional, to receive payment of the principal </font>of and (subject to Section 207 and Section 210) any interest on such Subordinated Note on the <font style="letter-spacing:-0.15pt;">respective Stated Maturity or Maturities expressed in such Subordinated Note (or, in the case of </font><font style="letter-spacing:-0.05pt;">redemption, on the Redemption Date), and to institute suit for the enforcement of any such </font><font style="letter-spacing:-0.15pt;">payment and such rights will not be impaired without the consent of such Holder.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319939"></a>Section 408<font style="margin-left:36pt;"></font><font style="color:#auto;">Restoration of Rights and Remedies.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If the Trustee or any Holder has instituted any proceeding to enforce any right or remedy under this Indenture and such proceeding has been discontinued or abandoned for any reason, or has been determined adversely to the Trustee or to such Holder, then and in every such case, subject to any determination in such proceeding, the Company, the Trustee and the Holders will <font style="letter-spacing:-0.2pt;">be restored severally and respectively to their former positions under this Indenture, and thereafter all rights and remedies of the Trustee and the Holders will continue as though no such proceeding </font>had been instituted.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319940"></a>Section 409<font style="margin-left:36pt;"></font><font style="color:#auto;">Rights and Remedies Cumulative.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU48"></a>Except as otherwise provided with respect to the replacement or payment of mutilated, destroyed, lost, or stolen Subordinated Notes in the last paragraph of Section 209, no right or <font style="letter-spacing:-0.2pt;">remedy conferred in this Indenture upon or reserved to the Trustee or to the Holders is intended to </font><font style="letter-spacing:-0.25pt;">be exclusive of any other right or remedy, and every right and remedy will, to the extent permitted </font>by law, be cumulative and in addition to every other right and remedy given under this Indenture or now or </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">42</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">in the future existing at law or in equity or otherwise. The assertion or employment of any right or remedy under this Indenture, or otherwise, will not prevent the concurrent assertion or employment of any other appropriate right or remedy.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319941"></a>Section 410<font style="margin-left:36pt;"></font><font style="color:#auto;">Delay or Omission Not Waiver.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No delay or omission of the Trustee or of any Holder of any Subordinated Notes to exercise <font style="letter-spacing:-0.15pt;">any right or remedy accruing upon any Event of Default will impair any such right or remedy or </font><font style="letter-spacing:-0.25pt;">constitute a waiver of or acquiescence in any such Event of Default. Every right and remedy given </font><font style="letter-spacing:-0.2pt;">by this Article or by law to the Trustee or to the Holders may be exercised from time to time, and </font><font style="letter-spacing:-0.15pt;">as often as may be deemed expedient, by the Trustee or by the Holders, as the case may be.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319942"></a>Section 411<font style="margin-left:36pt;"></font><font style="color:#auto;">Control by Holders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Holders of a majority in aggregate principal amount of the Outstanding Subordinated <font style="letter-spacing:-0.15pt;">Notes will have the right to direct the time, method, and place of conducting any proceeding for </font>any remedy available to the Trustee, or exercising any trust or power conferred on the Trustee, with respect to the Subordinated Notes, provided that</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">such direction will not violate any rule of law or this Indenture or the Subordinated Notes,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Trustee may take any other action deemed proper by the Trustee which </font><font style="color:#auto;">is not inconsistent with such direction, and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Trustee will have the right to decline to follow any such direction if the </font><font style="color:#auto;letter-spacing:-0.15pt;">Trustee in good faith determines that the </font><font style="color:#auto;">proceeding so directed would involve the Trustee in personal liability or be unduly prejudicial to the Holders not joining in the direction (it being understood that the Trustee does not have an affirmative duty to determine in any action is prejudicial to any Holder).</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319943"></a>Section 412<font style="margin-left:36pt;"></font><font style="color:#auto;">Waiver of Past Defaults.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Holders of not less than a majority in aggregate principal amount of the Outstanding <font style="letter-spacing:-0.15pt;">Subordinated Notes may on behalf of the Holders of all the Subordinated Notes waive any past </font>default under this Indenture and its consequences, except a default in the payment of the principal of, or interest on, any Subordinated Note, or in respect of a covenant or provision of this Indenture <font style="letter-spacing:-0.3pt;">which under Article VIII cannot be modified or amended without the consent of the Holder of each </font>Outstanding Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon any such waiver, such default will cease to exist, and any Event of Default arising from such default will be deemed to have been cured, for every purpose of this Indenture; but no such waiver will extend to any subsequent or other default or impair any consequent right.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319944"></a>Section 413<font style="margin-left:36pt;"></font><font style="color:#auto;">Undertaking for Costs.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU49"></a>All parties to this Indenture agree, and each Holder of any Subordinated Notes by his <font style="letter-spacing:-0.15pt;">acceptance of such Subordinated Notes will be deemed to have agreed, that any court may in its </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">43</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;">discretion require, in any suit for the enforcement of any right or remedy under this Indenture, or </font><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">in any suit against the Trustee for any action taken, suffered, or omitted by it as Trustee, the filing </font><font style="letter-spacing:-0.25pt;">by any party litigant in such suit of an undertaking to pay the costs of such suit, and that such court </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">may in its discretion assess reasonable costs, including reasonable attorney&#8217;s fees and expenses, </font><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">against any party litigant in such suit, having due regard to the merits and good faith of the claims </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">or defenses made by such party litigant; but the provisions of this Section 413 will not apply to </font><font style="letter-spacing:-0.15pt;">any suit instituted by the Company, to any suit instituted by the Trustee, to any suit instituted by any Holder, or group of Holders, holding in the aggregate more than 10% in principal amount of the Outstanding Subordinated Notes, or to any suit instituted by any Holder for the enforcement of the payment of the principal of or interest, if any, on any Subordinated Notes on or after the </font><font style="letter-spacing:-0.25pt;">Stated Maturity or Maturities expressed in such Subordinated Notes (or, in the case of redemption, </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">on or after the Redemption Date).</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319945"></a>ARTICLE V<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319945"></a>THE TRUSTEE</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319946"></a>Section 501<font style="margin-left:36pt;"></font><font style="color:#auto;">Duties of Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">If an Event of Default has occurred and is continuing, the Trustee will exercise such of the rights and powers vested in it hereby, and use the same degree of care and skill in its exercise, as a prudent person would exercise or use under the circumstances in the conduct of such person&#8217;s own affairs.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">Except during the continuance of an Event of Default:</font></p>
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<table border="0" cellspacing="0" cellpadding="0"  style="border-collapse:collapse; width:100%;">
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<td valign="top" style="width:23.08%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">the duties of the Trustee will be determined solely by the express provisions hereof and the Trustee need perform only those duties that are specifically set forth herein and no others, and no implied covenants or obligations will be read into this Indenture against the Trustee;</font></p></td></tr></table></div>
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<td valign="top" style="width:23.08%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">the Trustee shall not be liable for any acts or omissions, except for such losses, damages or expenses which have been finally adjudicated by a court of competent jurisdiction to have directly resulted from the Trustee's gross negligence or willful misconduct; and</font></p></td></tr></table></div>
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<tr>
<td valign="top" style="width:23.08%;white-space:nowrap">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.2pt;color:#000000;">in the absence of gross negligence or willful misconduct on its part, the Trustee may conclusively </font><font style="color:#000000;">rely, as to the truth of the statements and the correctness of the opinions expressed therein, upon certificates or opinions furnished to the Trustee and conforming to the requirements hereof; however, the Trustee will examine the certificates and opinions to determine whether or not they conform on their face to the requirements hereof (but need not confirm or investigate the accuracy of mathematical calculations or other facts stated therein).</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">Whether or not therein expressly so provided, every provision hereof that in any way relates to the Trustee is subject to paragraphs (1), (2) and (4) of this Section 501 and to Section 502.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU50"></a>(4)<font style="margin-left:72pt;"></font><font style="color:#auto;">No provision hereof will require the Trustee to expend or risk its own funds or incur any liability. The Trustee will be under no obligation to exercise any of its rights and </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">44</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;">powers under this Indenture at the request of any Holders, unless such Holder has offered, and if requested, provided to the Trustee security and indemnity satisfactory to it against any loss, liability or expense.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:15.38%;color:#010000;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:36pt;"></font><font style="color:#000000;">The Trustee will not be liable for interest on any money received by it except as the Trustee may agree in writing with the Company. Money held in trust by the Trustee shall be held un-invested and need not be segregated from other funds except to the extent required by law.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:15.38%;color:#010000;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:36pt;"></font><font style="color:#000000;">The Trustee will not be liable for any actions it takes in good faith in reliance on a direction received by it pursuant to Section 411.</font></p>
<p style="margin-top:0pt;margin-bottom:0pt;margin-left:15.38%;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319947"></a>Section 502<font style="margin-left:36pt;"></font><font style="color:#auto;">Certain Rights of Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">The Trustee may conclusively rely and will be protected in acting or refraining from acting upon any resolution, certificate, statement, instrument, opinion, report, </font><font style="color:#auto;letter-spacing:-0.2pt;">notice, request, direction, consent, order, bond, debenture, note, other evidence of indebtedness or other paper or document believed by it to be genuine and to have been signed or presented by the </font><font style="color:#auto;">proper party or parties;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">any request or direction of the Company mentioned herein will be sufficiently evidenced by a Company Request or a Company Order (unless other evidence in respect thereof be herein specifically prescribed) and any resolution of the Board of Directors may be sufficiently evidenced by a Board Resolution;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">whenever in the administration of this Indenture the Trustee will deem it desirable that a matter be proved or established prior to taking, suffering or omitting any action hereunder, the Trustee (unless other evidence will be herein specifically prescribed) may require and </font><font style="color:#auto;letter-spacing:-0.2pt;"> rely upon an Officers&#8217; Certificate or Opinion of Counsel, or both, </font><font style="color:#auto;">which will comply with Section 102, and </font><font style="color:#auto;letter-spacing:-0.2pt;">will not be liable for any action it takes </font><font style="color:#auto;">or omits to take in reliance on such Officers&#8217; Certificate or Opinion of Counsel; </font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:15.38%;color:#010000;font-family:Times New Roman;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:36pt;"></font><font style="color:#000000;">before the Trustee acts or refrains from acting, it shall be entitled to request and receive written instructions from the Company and shall have no responsibility or liability for any losses or damages of any nature that may arise from any action taken or not taken by the Trustee in accordance with the written direction of the Company;</font></p>
<p style="text-align:justify;margin-top:0pt;margin-bottom:0pt;margin-left:15.38%;text-indent:0%;font-family:Times New Roman;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;">the </font><font style="color:#auto;letter-spacing:-0.3pt;">Trustee may consult with counsel and the advice of such counsel or any Opinion of Counsel </font><font style="color:#auto;letter-spacing:-0.25pt;">will be full and complete authorization and protection from liability in respect of any action taken, </font><font style="color:#auto;">suffered or omitted by it hereunder in reliance thereon;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.05pt;">the Trustee will be under no obligation to exercise any of the rights or powers vested in it by or under this Indenture at the request or direction of any Holder(s) under </font><font style="color:#auto;">this Indenture, unless such Holder(s) will have offered, and if requested, provided to the Trustee security or indemnity </font><font style="color:#auto;letter-spacing:-0.2pt;">satisfactory to the Trustee against the costs, expenses and liabilities that might be incurred by it in </font><font style="color:#auto;">compliance with such request or direction;</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">45</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU51"></a><font style="font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(7)</font><font style="margin-left:72pt;"></font><font style="color:#auto;">the Trustee will not be bound to make any investigation into the facts or </font><font style="color:#auto;letter-spacing:-0.2pt;">matters stated in any resolution, certificate, statement, instrument, opinion, report, notice, request, </font><font style="color:#auto;">direction, consent, order, bond, debenture, note, other evidence of indebtedness or other paper or document, but the Trustee, in its discretion, may make such further inquiry or investigation into </font><font style="color:#auto;letter-spacing:-0.05pt;">such facts or matters as it may see fit, and, if the Trustee will determine to make such further </font><font style="color:#auto;letter-spacing:-0.2pt;">inquiry or investigation, it will be entitled to examine, during business hours and upon reasonable notice, the books, records and premises of the Company, personally or by agent or attorney, at the sole cost of the Company and will incur no liability or additional liability of any kind by reason of </font><font style="color:#auto;">such inquiry or investigation;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(8)<font style="margin-left:72pt;"></font><font style="color:#auto;">the Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or through agents or attorneys and the Trustee will not be responsible for any acts or omissions on the part of any agent or attorney appointed with due care by it hereunder;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(9)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Trustee will not be liable for any action taken, suffered or omitted to be </font><font style="color:#auto;">taken by it or any of its officers, employees or agents in good faith;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(10)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Trustee will not be required to take notice or be deemed to have notice </font><font style="color:#auto;">of any Default or Event of Default unless a Responsible Officer </font><font style="color:#auto;letter-spacing:-0.2pt;">of the Trustee shall have actual knowledge thereof, and in the absence of such knowledge the Trustee may conclusively </font><font style="color:#auto;">assume no Default or Event of Default exists;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(11)<font style="margin-left:72pt;"></font><font style="color:#auto;">the rights, privileges, protections, immunities and benefits given to the Trustee, including, without limitation, its right to be indemnified, are extended to, and will be </font><font style="color:#auto;letter-spacing:-0.25pt;">enforceable by, the Trustee in each of its capacities hereunder, and each agent, custodian and other </font><font style="color:#auto;">Person employed or appointed to act hereunder; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(12)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Trustee may request that the Company deliver a certificate setting forth </font><font style="color:#auto;">the names of individuals and/or titles of officers authorized at such time to take specified actions under this Indenture;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(13)<font style="margin-left:-4pt;">the Trustee shall not be required to give any bond or surety in respect of the performance of its powers and duties hereunder; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(14)<font style="margin-left:-4pt;">none of the permissive rights of the Trustee enumerated in this Indenture shall be construed as a duty and, with respect to such permissive rights, the Trustee shall not be liable or responsible for other than its gross negligence or willful misconduct;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(15) <font style="margin-left:0pt;">the Trustee shall not be liable or responsible for any calculation in connection with the transactions contemplated hereunder nor for any information used in connection with such calculation, or for any act or omission of the Calculation Agent (if other than the Trustee) or any designee appointed by the Company to make any such calculation; </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU52"></a>(16)<font style="margin-left:0pt;">in no event shall the Trustee be responsible or liable for special, indirect, punitive, incidental or consequential loss or damage of any kind whatsoever (including, but not </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">46</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">limited to, loss of profit) irrespective of whether the Trustee has been advised of the likelihood of such loss or damage and regardless of the form of action; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(17) <font style="margin-left:0pt;">the Trustee shall not be bound to make any investigation into (i) the performance of or compliance with any of the covenants or agreements set forth herein, (ii) the occurrence of any default, or the validity, enforceability, effectiveness or genuineness of this Indenture or any other agreement, instrument or document.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319948"></a>Section 503<font style="margin-left:36pt;"></font><font style="color:#auto;">Notice of Defaults.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Within 90 days after a Responsible Officer of the Trustee is notified of the occurrence of any default hereunder with respect to the Subordinated Notes, the Trustee will deliver to all Holders entitled to <font style="letter-spacing:-0.2pt;">receive reports in accordance with Section 603(3), notice of such default hereunder known to the </font>Trustee, unless such default will have been cured or waived; provided, however, that, except in the case of a default in the payment of the principal of or interest, if any, on, any Subordinated Note, the Trustee will be protected in withholding such notice if and so long as <font style="letter-spacing:-0.2pt;">the Trustee in good faith determines that the withholding </font>of such notice is in the best interest of the Holders.&nbsp;&nbsp;For the purpose of this Section, the term <font style="letter-spacing:-0.2pt;">&#8220;default&#8221; means any event that is, or after notice or lapse of time or both would become, an Event </font>of Default with respect to Subordinated Notes.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319949"></a>Section 504<font style="margin-left:36pt;"></font><font style="color:#auto;">Not Responsible for Recitals or Issuance of Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The recitals contained herein and in the Subordinated Notes, except the Trustee&#8217;s certificate of authentication, will be taken as the statements of the Company and neither the Trustee nor any Authenticating Agent assumes any responsibility for their correctness. The Trustee makes no <font style="letter-spacing:-0.05pt;">representations as to the validity or sufficiency of this Indenture or of the Subordinated Notes, </font><font style="letter-spacing:-0.15pt;">except that the Trustee represents that it is duly authorized to execute and deliver this Indenture, </font>authenticate the Subordinated Notes and perform its obligations hereunder and that the statements <font style="letter-spacing:-0.15pt;">made by it in any Statement of Eligibility on Form T-1 supplied to the Company are true and </font>accurate, subject to the qualifications set forth therein. Neither the Trustee nor any Authenticating Agent will be accountable for the use or application by the Company of the Subordinated Notes or the proceeds thereof. The Trustee will not be responsible for and makes no representation as to the validity or adequacy of this Indenture or the Subordinated Notes, it will not be accountable for the Company&#8217;s use of the proceeds from the Subordinated Notes or any money paid to the <font style="letter-spacing:-0.15pt;">Company or upon the Company&#8217;s direction under any provision hereof, it will not be responsible for the use or application of any money received by any Paying Agent other than the Trustee, and it will not be responsible for any statement or recital herein or any statement in the Subordinated Notes or any other document in connection with the sale of the Subordinated Notes or under this </font>Indenture other than its certificate of authentication.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319950"></a>Section 505<font style="margin-left:36pt;"></font><font style="color:#auto;">May Hold Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee, any Authenticating Agent, any Paying Agent, any Registrar or any other <font style="letter-spacing:-0.25pt;">Person that may be an agent of the Trustee or the Company, in its individual or any other capacity, </font>may become the owner or pledgee of Subordinated Notes and, subject to Section 310(b) and <font style="letter-spacing:-0.3pt;">Section 311 of the Trust Indenture Act, may otherwise deal with the Company with the same rights </font><font style="letter-spacing:-0.15pt;">that it would have if it were not Trustee, Authenticating Agent, Paying Agent, Registrar or such </font>other Person.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">47</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU53"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee is subject to Section 311(a) of the Trust Indenture Act, excluding any creditor relationship listed in Section 311(b) of the Trust Indenture Act. A Trustee who has resigned or been removed shall be subject to Section 311(a) of Trust Indenture Act to the extent indicated.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319951"></a>Section 506<font style="margin-left:36pt;"></font><font style="color:#auto;">Money Held in Trust.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Except as provided in Section 302(5), Section 303 and Section 903, money held by the Trustee in trust hereunder need not be segregated from other funds except to the extent required <font style="letter-spacing:-0.05pt;">by law and will be held uninvested. The Trustee will be under no liability for interest on any </font>money received by it hereunder except as otherwise agreed in writing with the Company.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319952"></a>Section 507<font style="margin-left:36pt;"></font><font style="color:#auto;">Compensation and Reimbursement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company agrees:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">to pay to the Trustee from time to time compensation for all services rendered by the Trustee acting in any capacity hereunder (which compensation will not be limited by any </font><font style="color:#auto;letter-spacing:-0.15pt;">provision of law in regard to the compensation of a trustee of an express trust);</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">except as otherwise expressly provided herein, to reimburse the Trustee </font><font style="color:#auto;letter-spacing:-0.2pt;">upon its request for all reasonable expenses, disbursements and advances incurred or made by the </font><font style="color:#auto;letter-spacing:-0.25pt;">Trustee in accordance with any provision of this Indenture (including the reasonable compensation </font><font style="color:#auto;letter-spacing:-0.05pt;">and the expenses and disbursements of its agents and counsel), except any such expense, </font><font style="color:#auto;letter-spacing:-0.15pt;">disbursement or advance resulting from the Trustee&#8217;s gross negligence or willful misconduct; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.3pt;">to indemnify each of the Trustee acting in any capacity or any predecessor Trustee and their agents </font><font style="color:#auto;letter-spacing:-0.25pt;">for, and to hold them harmless against, any loss, suit, action, liability or expense (including, without limitation, </font><font style="color:#auto;">the reasonable fees and disbursements of the Trustee&#8217;s agents, legal counsel, accountants and experts) and including taxes (other than taxes based upon, measured by or determined by the </font><font style="color:#auto;letter-spacing:-0.2pt;">income of the Trustee), arising out of or in connection with the acceptance or administration of its </font><font style="color:#auto;">duties hereunder, including the costs and expenses of enforcing this Indenture against the </font><font style="color:#auto;letter-spacing:-0.25pt;">Company (including this Section 507) and defending itself against any claim (whether asserted by </font><font style="color:#auto;">the Company, or any Holder or any other Person) or liability in connection with the exercise or performance of any of their powers or duties hereunder, or in connection with enforcing the </font><font style="color:#auto;letter-spacing:-0.15pt;">provisions of this Section, except to the extent that any such loss, liability or expense resulting from </font><font style="color:#auto;">the Trustee&#8217;s gross negligence or willful misconduct as determined by a court of competent jurisdiction in a final, non-appealable order.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The obligations of the Company under this Section 507 will survive the satisfaction and discharge of this Indenture and resignation or removal of the Trustee.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As security for the performance of the obligations of the Company under this Indenture, the <font style="letter-spacing:-0.05pt;">Trustee will have a lien prior to the Subordinated Notes upon all property and funds held or </font>collected by the Trustee as such, except funds held in trust for the payment of principal of, or interest on, Subordinated Notes. Such lien will survive the satisfaction and discharge hereof and the resignation or removal of the Trustee. </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">48</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU54"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any compensation or expense incurred by the Trustee after a default specified by </font><font style="letter-spacing:-0.05pt;">Section 401 is intended to constitute an expense of administration under any then applicable bankruptcy or insolvency law. &#8220;Trustee&#8221; for purposes of this Section 507 will include any </font><font style="letter-spacing:-0.25pt;">predecessor Trustee, but the negligence or bad faith of any Trustee will not affect the rights of any </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">other Trustee under this Section 507. The provisions of this Section 507 will, to the extent </font><font style="letter-spacing:-0.05pt;">permitted by law, survive any termination of this Indenture (including, without limitation, termination in accordance with any Bankruptcy Laws) and the resignation or removal of the </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Trustee.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319953"></a>Section 508<font style="margin-left:36pt;"></font><font style="color:#auto;">Corporate Trustee Required; Eligibility.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">There will at all times be a Trustee hereunder that is a corporation, </font><font style="color:#auto;letter-spacing:-0.2pt;">organized and doing business under the laws of the United States, any state thereof or </font><font style="color:#auto;">the District of Columbia, eligible under Section 310(a)(1) of the Trust Indenture Act to act as </font><font style="color:#auto;letter-spacing:-0.2pt;">trustee under an indenture qualified under the Trust Indenture Act and that has a combined capital </font><font style="color:#auto;letter-spacing:-0.25pt;">and surplus (computed in accordance with Section 310(a)(2) of the Trust Indenture Act) of at least </font><font style="color:#auto;letter-spacing:-0.15pt;">$50,000,000 and is subject to supervision or examination by federal or state authority. The Trustee will </font><font style="color:#auto;">also satisfy the requirements of Section 310(a)(5) of the Trust Indenture Act. If at any time the </font><font style="color:#auto;letter-spacing:-0.15pt;">Trustee will cease to be eligible in accordance with the provisions of this Section, it will resign immediately in the manner and with the effect hereinafter specified in this Article.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">The Trustee will comply with Section 310(b) of the Trust Indenture Act; </font><font style="color:#auto;">provided, however, that there will be excluded from the operation of Section 310(b)(1) of the Trust </font><font style="color:#auto;letter-spacing:-0.05pt;">Indenture Act this Indenture or any indenture or indentures under which other securities or </font><font style="color:#auto;">certificates of interest or participation in other securities of the Company are outstanding if the </font><font style="color:#auto;letter-spacing:-0.25pt;">requirements for such exclusion set forth in Section 310(b)(1) of the Trust Indenture Act are met.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319954"></a>Section 509<font style="margin-left:36pt;"></font><font style="color:#auto;">Resignation and Removal; Appointment of Successor.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">No resignation or removal of the Trustee and no appointment of a successor </font><font style="color:#auto;">Trustee in accordance with this Article V will become effective until the acceptance of appointment by the successor Trustee in accordance with Section 510.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">The Trustee may resign at any time with respect to the Subordinated Notes </font><font style="color:#auto;letter-spacing:-0.15pt;">by giving written notice thereof to the Company. If the instrument of acceptance by a successor Trustee required by Section 510 will not have been delivered to the Trustee within 30 days after </font><font style="color:#auto;">the giving of such notice of resignation, the resigning Trustee may, at the Company&#8217;s expense, </font><font style="color:#auto;letter-spacing:-0.15pt;">petition any court of competent jurisdiction for the appointment of a successor Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">The Trustee may be removed at any time with respect to the Subordinated </font><font style="color:#auto;">Notes by Act of the Holders of a majority in principal amount of the Outstanding Subordinated Notes, delivered to the Trustee and the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If at any time:</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU55"></a><font style="letter-spacing:-0.2pt;color:#000000;">the Trustee will fail to comply with the obligations imposed upon it </font><font style="color:#000000;">under Section 310(b) of the Trust Indenture Act with respect to Subordinated Notes after written </font></p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">49</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">request therefor by the Company or any Holder who has been a bona fide Holder for at least six months,</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">the Trustee will cease to be eligible under Section 508 and will fail to resign after written request therefor by the Company or any such Holder, or</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">the Trustee will become incapable of acting or will be adjudged a </font><font style="letter-spacing:-0.2pt;color:#000000;">bankrupt or insolvent or a receiver of the Trustee or of its property will be appointed or any public </font><font style="letter-spacing:-0.05pt;color:#000000;">officer will take charge or control of the Trustee or of its property or affairs for the purpose of </font><font style="color:#000000;">rehabilitation, conservation or liquidation,</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.25pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">then, in any such case, (i) the Company, by or in accordance with a Board Resolution, may remove the Trustee with respect to the Subordinated Notes, or (ii) subject to Section 315(e) of the Trust <font style="letter-spacing:-0.2pt;">Indenture Act, any Holder who has been a bona fide Holder for at least six months may, on behalf </font>of himself and all others similarly situated, petition any court of competent jurisdiction for the <font style="letter-spacing:-0.2pt;">removal of the Trustee with respect to all Subordinated Notes and the appointment of a successor </font>Trustee or Trustees.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;">If the Trustee will resign, be removed or become incapable of acting, or if a vacancy will occur in the office of Trustee for any cause, with respect to the Subordinated Notes, </font><font style="color:#auto;letter-spacing:-0.15pt;">the Company, by or in accordance with a Board Resolution, will promptly appoint a successor </font><font style="color:#auto;">Trustee or Trustees with respect to the Subordinated Notes and will comply with the applicable </font><font style="color:#auto;letter-spacing:-0.2pt;">requirements of Section 510. If, within one year after such resignation, removal or incapability, or the occurrence of such vacancy</font><font style="color:#auto;letter-spacing:-0.15pt;">, a successor Trustee with respect to the Subordinated Notes shall have been </font><font style="color:#auto;">appointed by Act of the Holders of a majority in principal amount of the Outstanding </font><font style="color:#auto;letter-spacing:-0.15pt;">Subordinated Notes delivered to the Company and the retiring Trustee, the successor Trustee so </font><font style="color:#auto;">appointed will, forthwith upon its acceptance of such appointment in accordance with the applicable requirements of Section 510, become the successor Trustee with respect to the </font><font style="color:#auto;letter-spacing:-0.25pt;">Subordinated Notes and to that extent supersede the successor Trustee appointed by the Company. </font><font style="color:#auto;letter-spacing:-0.2pt;">If no successor Trustee with respect to the Subordinated Notes will have been so appointed by the </font><font style="color:#auto;letter-spacing:-0.15pt;">Company or the Holders and accepted appointment in the manner required by Section 510, any </font><font style="color:#auto;letter-spacing:-0.2pt;">Holder who has been a bona fide Holder for at least six months may, on behalf of himself and all </font><font style="color:#auto;">others similarly situated, petition any court of competent jurisdiction for the appointment of a successor Trustee with respect to the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">The Company will give notice of each resignation and each removal of the </font><font style="color:#auto;">Trustee with respect to the Subordinated Notes and each appointment of a successor Trustee with respect to the Subordinated Notes by delivering written notice of such event by first-class mail, </font><font style="color:#auto;letter-spacing:-0.15pt;">postage prepaid, to the Holders as their names and addresses appear in the Subordinated Note </font><font style="color:#auto;">Register. Each notice will include the name of the successor Trustee with respect to the Subordinated Notes and the address of its Corporate Trust Office.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319955"></a>Section 510<font style="margin-left:36pt;"></font><font style="color:#auto;">Acceptance of Appointment by Successor.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU56"></a>(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">Upon the appointment hereunder of any successor Trustee with respect to </font><font style="color:#auto;letter-spacing:-0.05pt;">all Subordinated Notes, such successor Trustee so appointed will execute, acknowledge and </font><font style="color:#auto;">deliver to the Company and the retiring Trustee an instrument accepting such appointment, and thereupon the resignation or removal of the retiring Trustee will become effective and such successor Trustee, </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">50</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;">without any further act, deed or conveyance, will become vested with all the </font><font style="color:#auto;letter-spacing:-0.05pt;">rights, powers, trusts and duties hereunder of the retiring Trustee; but, on the request of the </font><font style="color:#auto;">Company or such successor Trustee, such retiring Trustee, upon payment of its charges, will </font><font style="color:#auto;letter-spacing:-0.2pt;">execute and deliver an instrument transferring to such successor Trustee all the rights, powers and </font><font style="color:#auto;">trusts of the retiring Trustee and, subject to Section 903, will duly assign, transfer and deliver to such successor Trustee all property and money held by such retiring Trustee hereunder, subject nevertheless to its claim, if any, provided for in Section 507.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">Upon the appointment hereunder of any successor Trustee with respect to </font><font style="color:#auto;letter-spacing:-0.25pt;">the Subordinated Notes, the Company, the retiring Trustee and such successor Trustee will execute </font><font style="color:#auto;">and deliver an indenture supplemental hereto wherein each successor Trustee will accept such </font><font style="color:#auto;letter-spacing:-0.25pt;">appointment and which (i) will contain such provisions as will be necessary or desirable to transfer </font><font style="color:#auto;">and confirm to, and to vest in such successor Trustee all the rights, powers, trusts and duties of </font><font style="color:#auto;letter-spacing:-0.25pt;">the retiring Trustee with respect to the Subordinated Notes, (ii) if the retiring Trustee is not retiring </font><font style="color:#auto;">with respect to all Subordinated Notes, will contain such provisions as will be deemed necessary or desirable to confirm that all the rights, powers, trusts and duties of the retiring Trustee with respect to the Subordinated Notes will continue to be vested in the retiring Trustee, and (iii) will add to or change any of the provisions of this Indenture as will be necessary to provide for or </font><font style="color:#auto;letter-spacing:-0.2pt;">facilitate the administration of the trusts hereunder by more than one Trustee, it being understood </font><font style="color:#auto;">that nothing herein or in such supplemental indenture will constitute such Trustees co-trustees of the same trust, that each such Trustee will be trustee of a trust or trusts hereunder separate and </font><font style="color:#auto;letter-spacing:-0.25pt;">apart from any trust or trusts hereunder administered by any other such Trustee and that no Trustee </font><font style="color:#auto;">will be responsible for any notice given to, or received by, or any act or failure to act on the part </font><font style="color:#auto;letter-spacing:-0.05pt;">of any other Trustee hereunder, and, upon the execution and delivery of such supplemental </font><font style="color:#auto;">indenture, the resignation or removal of the retiring Trustee will become effective to the extent </font><font style="color:#auto;letter-spacing:-0.2pt;">provided therein, such retiring Trustee will have no further responsibility for the exercise of rights </font><font style="color:#auto;">and powers or for the performance of the duties and obligations vested in the Trustee under this </font><font style="color:#auto;letter-spacing:-0.2pt;">Indenture with respect to the Subordinated Notes other than as hereinafter expressly set forth, and such successor Trustee, without any further act, deed or conveyance, will become vested with all the rights, powers, trusts and duties of the retiring Trustee with respect to the Subordinated Notes; but, on request of the Company or such successor Trustee, such retiring Trustee, upon payment of </font><font style="color:#auto;letter-spacing:-0.15pt;">its charges with respect to the Subordinated Notes and subject to Section 903 will duly assign, transfer and deliver to such successor Trustee, to the extent contemplated by such supplemental </font><font style="color:#auto;letter-spacing:-0.2pt;">indenture, the property and money held by such retiring Trustee hereunder with respect to the </font><font style="color:#auto;letter-spacing:-0.15pt;">Subordinated Notes, subject to its claim, if any, provided for in Section 507.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">Upon request of any Person appointed hereunder as a successor Trustee, the </font><font style="color:#auto;">Company will execute any and all instruments for more fully and certainly vesting in and confirming to such successor Trustee all such rights, powers and trusts referred to in paragraph (1) or (2) of this Section, as the case may be.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;">No Person will accept its appointment hereunder as a successor Trustee unless at the time of such acceptance such successor Person will be qualified and eligible under this Article. No resigning or removed Trustee shall have any liability or responsibility for the action or inaction of any successor Trustee.</font></p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319956"></a><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">51</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU57"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 511</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Merger, Conversion, Consolidation or Succession to Business.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any corporation into which the Trustee may be merged or converted or with which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to <font style="letter-spacing:-0.15pt;">which the Trustee will be a party, or any corporation succeeding to all or substantially all of the corporate trust business of the Trustee, will be the successor of the Trustee hereunder (provided </font>that such corporation will otherwise be qualified and eligible under this Article), without the <font style="letter-spacing:-0.15pt;">execution or filing of any paper or any further act on the part of any of the parties hereto. In case </font>any Subordinated Notes will have been authenticated but not delivered by the Trustee then in <font style="letter-spacing:-0.05pt;">office, any such successor to such authenticating Trustee may adopt such authentication and </font><font style="letter-spacing:-0.15pt;">deliver the Subordinated Notes so authenticated with the same effect as if such successor Trustee had itself authenticated such Subordinated Notes.&nbsp;&nbsp;In case any Subordinated Notes will not have </font>been authenticated by such predecessor Trustee, any such successor Trustee may authenticate and <font style="letter-spacing:-0.15pt;">deliver such Subordinated Notes in either its own name or that of its predecessor Trustee.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319957"></a>Section 512<font style="margin-left:36pt;"></font><font style="color:#auto;">Appointment of Authenticating Agent.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee may appoint one or more Authenticating Agents acceptable to the Company <font style="letter-spacing:-0.2pt;">with respect to the Subordinated Notes which will be authorized to act on behalf of the Trustee to </font>authenticate Subordinated Notes issued upon original issue, exchange, registration of transfer, <font style="letter-spacing:-0.2pt;">partial redemption, partial repayment, or in accordance with Section 209, and Subordinated Notes </font>so authenticated will be entitled to the benefits of this Indenture and will be valid and obligatory for all purposes as if authenticated by the Trustee hereunder. Wherever reference is made in this <font style="letter-spacing:-0.2pt;">Indenture to the authentication and delivery of Subordinated Notes by the Trustee or the Trustee&#8217;s certificate of authentication, such reference will be deemed to include authentication and delivery </font>on behalf of the Trustee by an Authenticating Agent and a certificate of authentication executed on behalf of the Trustee by an Authenticating Agent.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each Authenticating Agent will be reasonably acceptable to the Company and, except as provided in or under this Indenture, will at all times be a corporation that would be permitted by the Trust Indenture Act to act as trustee under an indenture qualified under the Trust Indenture Act, is authorized under applicable law and by its charter to act as an Authenticating Agent and has a combined capital and surplus (computed in accordance with Section 310(a)(2) of the Trust <font style="letter-spacing:-0.05pt;">Indenture Act) of at least $50,000,000 and is subject to supervision or examination by federal or state authority. If at any time an Authenticating Agent will cease to be </font><font style="letter-spacing:-0.2pt;">eligible in accordance with the provisions of this Section, it will resign immediately in the manner </font>and with the effect specified in this Section.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any corporation into which an Authenticating Agent may be merged or converted or with <font style="letter-spacing:-0.15pt;">which it may be consolidated, or any corporation resulting from any merger, conversion or consolidation to which such Authenticating Agent will be a party, or any corporation succeeding to all or substantially all of the corporate agency or corporate trust business of an Authenticating </font>Agent, will be the successor of such Authenticating Agent hereunder, provided such corporation will be otherwise eligible under this Section, without the execution or filing of any paper or any further act on the part of the Trustee or the Authenticating Agent.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">52</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU58"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An Authenticating Agent may resign at any time by giving written notice thereof to the </font><font style="letter-spacing:-0.2pt;">Trustee and the Company. The Trustee may at any time terminate the agency of </font><font style="letter-spacing:-0.2pt;">an</font><font style="font-style:italic;letter-spacing:-0.2pt;"> </font><font style="letter-spacing:-0.2pt;">Authenticating </font><font style="letter-spacing:-0.15pt;">Agent by giving written notice thereof to such Authenticating Agent and the Company. Upon </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">receiving such a notice of resignation or upon such a termination, or in case at any time such </font><font style="letter-spacing:-0.15pt;">Authenticating Agent will cease to be eligible in accordance with the provisions of this Section, </font><font style="letter-spacing:-0.2pt;">the Trustee may appoint a successor Authenticating Agent that will be acceptable to the Company </font><font style="letter-spacing:-0.25pt;">and will deliver written notice of such appointment by first-class mail, postage prepaid, to all Holders </font><font style="letter-spacing:-0.15pt;">with respect to which such Authenticating Agent will serve, as their names and addresses appear in the Subordinated Note Register. Any successor Authenticating Agent, upon acceptance of its </font><font style="letter-spacing:-0.25pt;">appointment hereunder, will become vested with all the rights, powers and duties of its predecessor </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">hereunder, with like effect as if originally named as an Authenticating Agent No successor </font><font style="letter-spacing:-0.15pt;">Authenticating Agent will be appointed unless eligible under the provisions of this Section 512.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company agrees to pay each Authenticating Agent from time to time reasonable compensation for its services under this Section. If the Trustee makes such payments, it will be entitled to be reimbursed for such payments, subject to the provisions of Section 507.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The provisions of Section 211, Section 504 and Section 505 will be applicable to each Authenticating Agent.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If an Authenticating Agent is appointed under this Section, the Subordinated Notes may have endorsed thereon, in addition to or in lieu of the Trustee&#8217;s certificate of authentication, an alternate certificate of authentication in substantially the following form:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This is one of the Subordinated Notes designated herein referred to in the within-mentioned Indenture.</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:92.31%;"><font style="text-decoration:underline;"></font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As Trustee</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:<font style="margin-left:247pt;"></font><font style="text-decoration:underline;margin-left:432pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:52.78%;">As Authenticating Agent</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:<font style="margin-left:247pt;"></font><font style="text-decoration:underline;margin-left:432pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">Authorized Signatory</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319958"></a>Section 513<font style="margin-left:36pt;"></font><font style="color:#auto;">Preferred Collection of Claims against Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If and when the Trustee will be or become a creditor of the Company (or any other obligor upon the Subordinated Notes), the Trustee will be subject to the provisions of the Trust Indenture <font style="letter-spacing:-0.15pt;">Act regarding the collection of claims against the Company (or any such other obligor).</font></p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">53</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU59"></a><a name="_Toc51319959"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">ARTICLE VI</font><font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319959"></a></font><font style="color:#auto;font-family:Times New Roman;">HOLDERS LISTS AND REPORTS BY TRUSTEE AND COMPANY</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319960"></a>Section 601<font style="margin-left:36pt;"></font><font style="color:#auto;">Holder Lists.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee will preserve in as current a form as is reasonably practicable the most recent list available to it of the names and addresses of the Holders. If the Trustee is not the Registrar, the Company will cause to be furnished to the Trustee at least semiannually on April 5 and October 5<font style="letter-spacing:-0.25pt;"> during the Fixed Rate Period and quarterly on January 5, April 5, July 5 and October 5 during the Floating Rate Period, a listing of the Holders dated within 10 days of the date on which the list is furnished and at such </font><font style="letter-spacing:-0.15pt;">other times as the Trustee may request in writing a list in such form and as of such date as the Trustee may reasonably require of the names and addresses of the Holders.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319961"></a>Section 602<font style="margin-left:36pt;"></font><font style="color:#auto;">Preservation of Information; Communications to Holders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee will comply with the obligations imposed upon it in accordance with Section 312 of the Trust Indenture Act.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Every Holder of Subordinated Notes, by receiving and holding the same, agrees with the Company and the Trustee that neither the Company, the Trustee, any Paying Agent or any Registrar will be held accountable by reason of the disclosure of any such information as to the names and addresses of the Holders of Subordinated Notes in accordance with Section 312(c) of the Trust Indenture Act, regardless of the source from which such information was derived, and <font style="letter-spacing:-0.2pt;">that the Trustee will not be held accountable by reason of delivering any material in accordance with </font>a request made under Section 312(b) of the Trust Indenture Act.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319962"></a>Section 603<font style="margin-left:36pt;"></font><font style="color:#auto;">Reports by Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">Within 60 days after October 1 of each year commencing with the first October 1 following the date of this Indenture, if required by Section 313(a) of the Trust Indenture Act, the </font><font style="color:#auto;letter-spacing:-0.2pt;">Trustee will transmit, in accordance with Section 313(c) of the Trust Indenture Act, a brief report </font><font style="color:#auto;">dated as of such October 1 with respect to any of the events specified in said Section 313(a) and </font><font style="color:#auto;letter-spacing:-0.25pt;">Section 313(b)(2) that may have occurred since the later of the immediately preceding October 1 and </font><font style="color:#auto;">the date of this Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">The Trustee will transmit the reports required by Section 313(a) of the Trust Indenture Act at the times specified therein.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">The Trustee shall comply with Sections 313(b) and 313(c) of the Trust Indenture Act.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;">Reports under this Section will be transmitted in the manner and to the Persons required by Section 313(c) and Section 313(d) of the Trust Indenture Act.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319963"></a>Section 604<font style="margin-left:36pt;"></font><font style="color:#auto;">Reports by Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:36pt;">The Company, in accordance with Section 314(a) of the Trust Indenture</font><br />Act, will:</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">54</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU60"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="color:#000000;">file with the Trustee, within 15 days after the Company files the </font><font style="letter-spacing:-0.15pt;color:#000000;">same with the Commission, copies of the annual reports and of the information, documents and </font><font style="color:#000000;">other reports (or copies of such portions of any of the foregoing as the Commission may from time </font><font style="letter-spacing:-0.2pt;color:#000000;">to time by rules and regulations prescribe) that the Company may be required to file with the </font><font style="color:#000000;">Commission in accordance with Section 13 or Section 15(d) of the Exchange Act; or, if the Company is not required to file information, documents or reports in accordance with either of </font><font style="letter-spacing:-0.2pt;color:#000000;">said Sections, then it will file with the Trustee and the Commission, in accordance with rules and </font><font style="color:#000000;">regulations prescribed from time to time by the Commission, such of the supplementary and </font><font style="letter-spacing:-0.15pt;color:#000000;">periodic information, documents and reports that may be required in accordance with Section 13 </font><font style="letter-spacing:-0.2pt;color:#000000;">of the Exchange Act in respect of a security listed and registered on a national securities exchange </font><font style="color:#000000;">as may be prescribed from time to time in such rules and regulations;</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.2pt;color:#000000;">file with the Trustee and the Commission, in accordance with rules </font><font style="letter-spacing:-0.15pt;color:#000000;">and regulations prescribed from time to time by the Commission, such additional certificates, </font><font style="color:#000000;">information, documents and reports with respect to compliance by the Company, with the conditions and covenants of this Indenture as may be required from time to time by such rules and regulations; and</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.15pt;color:#000000;">transmit to the Holders within 30 days after the filing thereof with </font><font style="color:#000000;">the Trustee, in the manner and to the extent provided in Section 313(c) of the Trust Indenture Act, </font><font style="letter-spacing:-0.15pt;color:#000000;">such summaries of any information, documents and reports required to be filed by the Company </font><font style="color:#000000;">in accordance with paragraphs (1) and (2) of this Section as may be required by rules and regulations prescribed from time to time by the Commission. </font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Delivery of such reports, information <font style="letter-spacing:-0.15pt;">and documents to the Trustee is for informational purposes only and the Trustee&#8217;s receipt of such </font><font style="letter-spacing:-0.2pt;">will not constitute actual or constructive notice of any information contained therein or determinable from </font><font style="letter-spacing:-0.05pt;">information contained therein, including the Company&#8217;s compliance with any of its covenants </font><font style="letter-spacing:-0.15pt;">hereunder (as to which the Trustee is entitled to rely exclusively on Officers&#8217; Certificates).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:36pt;"></font><font style="letter-spacing:-0.2pt;">The Company intends to file the reports referred to in Section 604(1) with </font><font style="letter-spacing:-0.15pt;">the Commission in electronic form in accordance with Regulation S-T of the Commission using </font>the Commission&#8217;s Electronic Data Gathering, Analysis and Retrieval system. Compliance with <font style="letter-spacing:-0.15pt;">the foregoing, or any successor electronic system approved by the Commission, will constitute </font><font style="letter-spacing:-0.05pt;">delivery by the Company of such reports to the Trustee and Holders in compliance with the </font><font style="letter-spacing:-0.25pt;">provision of Section 604(1) and Trust Indenture Act Section 314(a). Notwithstanding anything to </font>the contrary herein, the Trustee will have no duty to search for or obtain any electronic or other <font style="letter-spacing:-0.15pt;">filings that the Company makes with the Commission, regardless of whether such filings are </font>periodic, supplemental or otherwise. Delivery of the reports, information and documents to the <font style="letter-spacing:-0.2pt;">Trustee in accordance with this Section 604(2) will be solely for the purposes of compliance with </font><font style="letter-spacing:-0.05pt;">this Section 604(2) and with Trust Indenture Act Section 314(a). The Trustee&#8217;s receipt of such </font><font style="letter-spacing:-0.2pt;">reports, information and documents is for informational purposes only and the Trustee&#8217;s receipt of </font><font style="letter-spacing:-0.15pt;">such will not constitute actual or constructive notice of any information contained therein or determinable </font>from information contained therein, including the Company&#8217;s compliance with any of its covenants hereunder (as to which the Trustee is entitled to rely exclusively on Officers&#8217; Certificates). The Trustee shall have no liability or responsibility for the filing, content or timeliness of any report hereunder aside from any report reported under Section 603 hereof. </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">55</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU61"></a><a name="_Toc51319964"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">ARTICLE VII</font><font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319964"></a></font><font style="color:#auto;font-family:Times New Roman;">SUCCESSORS</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319965"></a>Section 701<font style="margin-left:36pt;"></font><font style="color:#auto;">Merger, Consolidation or Sale of All or Substantially All Assets.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will not, in any transaction or series of related transactions, consolidate with <font style="letter-spacing:-0.2pt;">or merge into any Person or sell, assign, transfer, lease or otherwise convey all or substantially all </font>its properties and assets to any Person, unless:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">either the Company will be the continuing Person (in the case of a merger), </font><font style="color:#auto;">or the successor Person (if other than the Company) formed by such consolidation or into which </font><font style="color:#auto;letter-spacing:-0.25pt;">the Company is merged or which acquires by sale, assignment, transfer, lease or other conveyance </font><font style="color:#auto;">all or substantially all the properties and assets of the Company will be a corporation organized and existing under the laws of the United States, any state thereof or the District of </font><font style="color:#auto;letter-spacing:-0.2pt;">Columbia and will expressly assume, by an indenture (or indentures, if at such time there is more </font><font style="color:#auto;">than one Trustee) supplemental hereto, executed by such successor corporation and delivered to the Trustee, in form satisfactory to the Trustee, the due and punctual payment of the principal of, </font><font style="color:#auto;letter-spacing:-0.25pt;">and interest on, all the Outstanding Subordinated Notes and the due and punctual performance and </font><font style="color:#auto;">observance of every obligation in this Indenture and the Outstanding Subordinated Notes on the part of the Company to be performed or observed;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.05pt;">immediately after giving effect to such transaction and treating any </font><font style="color:#auto;">indebtedness that becomes an obligation of the Company or any Subsidiary as a result of that transaction as having been incurred by the Company or any Subsidiary at the time of the </font><font style="color:#auto;letter-spacing:-0.2pt;">transaction, no Event of Default, and no event which, after notice or lapse of time, or both, would </font><font style="color:#auto;">become an Event of Default, will have occurred and be continuing; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.05pt;">either the Company or the successor Person will have delivered to the </font><font style="color:#auto;">Trustee an Officers&#8217; Certificate and an Opinion of Counsel, each stating that such consolidation, merger, sale, assignment, transfer, lease or other conveyance and, if a supplemental indenture is </font><font style="color:#auto;letter-spacing:-0.05pt;">required in connection with such transaction, such supplemental indenture comply with this </font><font style="color:#auto;letter-spacing:-0.2pt;">Article VII and that all conditions precedent herein provided for relating to such transaction have </font><font style="color:#auto;">been complied with.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For purposes of the foregoing, any sale, assignment, transfer, lease or other conveyance of <font style="letter-spacing:-0.15pt;">all or any of the properties and assets of one or more Subsidiaries of the Company (other than to </font>the Company or another Subsidiary), which, if such properties and assets were directly owned by the Company, would constitute all or substantially all of the Company&#8217;s properties and assets, will be <font style="letter-spacing:-0.15pt;">deemed to be the transfer of all or substantially all of the properties and assets of the Company.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319966"></a>Section 702<font style="margin-left:36pt;"></font><font style="color:#auto;">Successor Person Substituted for Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU62"></a>Upon any consolidation by the Company with or merger of the Company into any other Person or any sale, assignment, transfer, lease or conveyance of all or substantially all of the <font style="letter-spacing:-0.2pt;">properties and assets of the Company to any Person in accordance with Section 701, the successor Person formed by such consolidation or into which the Company is merged or to which such sale, </font><font style="letter-spacing:-0.25pt;">assignment, transfer, lease or other conveyance is made will succeed to, and be substituted for, and </font><font style="letter-spacing:-0.2pt;">may </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">56</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.2pt;">exercise every right and power of, the Company under this Indenture with the same effect as </font><font style="letter-spacing:-0.25pt;">if such successor Person had been named as the Company herein; and thereafter, except in the case </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of a lease, the predecessor Person will be released from all obligations and covenants under this </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Indenture and the Subordinated Notes.</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319967"></a>ARTICLE VIII<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319967"></a>SUPPLEMENTAL</font><font style="color:#auto;font-family:Times New Roman;letter-spacing:-0.05pt;"> INDENTURES</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319968"></a>Section 801<font style="margin-left:36pt;"></font><font style="color:#auto;">Supplemental Indentures without Consent of Holders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Without the consent of any Holders of Subordinated Notes, the Company (when authorized <font style="letter-spacing:-0.2pt;">by or in accordance with a Board Resolution) and the Trustee, at any time and from time to time, </font><font style="letter-spacing:-0.25pt;">may enter into one or more indentures supplemental hereto, in form satisfactory to the Trustee, for </font>any of the following purposes:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">to evidence the succession of another Person to the Company, and the assumption by any such successor of the covenants of the Company contained herein and in the Subordinated Notes;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">to add to the covenants of the Company for the benefit of the Holders (as </font><font style="color:#auto;letter-spacing:-0.2pt;">will be specified in such supplemental indenture or indentures) or to surrender any right or power </font><font style="color:#auto;">herein conferred upon the Company with respect to the Subordinated Notes issued under this Indenture (as will be specified in such supplemental indenture or indentures);</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">to permit or facilitate the issuance of Subordinated Notes in uncertificated or global form, provided any such action will not adversely affect the interests of the Holders;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">to evidence and provide for the acceptance of appointment hereunder by a </font><font style="color:#auto;">successor Trustee with respect to the Subordinated Notes and to add to or change any of the provisions of this Indenture as will be necessary to provide for or facilitate the administration of </font><font style="color:#auto;letter-spacing:-0.3pt;">the trusts hereunder by more than one Trustee, in accordance with the requirements of Section 510;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">to cure any ambiguity or to correct or supplement any provision herein that </font><font style="color:#auto;">may be defective or that may be inconsistent with any other provision herein;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:72pt;"></font><font style="color:#auto;">to make any other provisions with respect to matters or questions arising </font><font style="color:#auto;letter-spacing:-0.2pt;">under this Indenture that will not adversely affect the interests of the Holders of then Outstanding </font><font style="color:#auto;">Subordinated Notes;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:72pt;"></font><font style="color:#auto;">to add any additional Events of Default (as will be specified in such supplemental indenture);</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(8)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">to supplement any of the provisions of this Indenture to such extent as will </font><font style="color:#auto;">be necessary to permit or facilitate the Legal Defeasance, Covenant Defeasance and/or satisfaction </font><font style="color:#auto;letter-spacing:-0.15pt;">and discharge of the Subordinated Notes in accordance with Article III, provided that any such </font><font style="color:#auto;">action will not adversely affect the interests of any Holder;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(9)<font style="margin-left:72pt;"></font><font style="color:#auto;">to provide for the issuance of Exchange Notes;</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">57</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU63"></a><font style="font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(10)</font><font style="margin-left:72pt;"></font><font style="color:#auto;">to conform any provision in this Indenture to the requirements of the Trust Indenture Act; or</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(11)<font style="margin-left:72pt;"></font><font style="color:#auto;">to make any change that does not adversely affect the legal rights under this Indenture of any Holder.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319969"></a>Section 802<font style="margin-left:36pt;"></font><font style="color:#auto;">Supplemental Indentures with Consent of Holders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">With the consent of the Holders of not less than a majority in principal amount of the <font style="letter-spacing:-0.05pt;">Outstanding Subordinated Notes, by Act of said Holders delivered to the Company and the </font><font style="letter-spacing:-0.15pt;">Trustee, the Company (when authorized by or in accordance with a Board Resolution), and the Trustee may enter into an indenture or indentures supplemental hereto for the purpose of adding </font><font style="letter-spacing:-0.2pt;">any provisions to or changing in any manner or eliminating any of the provisions of this Indenture </font><font style="letter-spacing:-0.15pt;">or of the Subordinated Notes or of modifying in any manner the rights of the Holders under this </font>Indenture; provided, that no such supplemental indenture, without the consent of the Holder of each Outstanding Subordinated Note affected thereby, will</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">reduce the rate of or change the time for payment of interest, including Defaulted Interest, on any Subordinated Notes;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">reduce the principal of or change the Stated Maturity of any Subordinated </font><font style="color:#auto;">Notes, or change the date on which any Subordinated Notes may be subject to redemption or reduce the Redemption Price therefore;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">make any Subordinated Note payable in money other than Dollars;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">make any change in provisions of this Indenture protecting the right of each </font><font style="color:#auto;">Holder to receive payment of principal of and interest on such Subordinated Note on or after the due date thereof or to bring suit to enforce such payment,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">reduce the percentage in principal amount of the Outstanding Subordinated </font><font style="color:#auto;letter-spacing:-0.05pt;">Notes, the consent of whose Holders is required for any such supplemental indenture, or the </font><font style="color:#auto;letter-spacing:-0.25pt;">consent of whose Holders is required for any waiver (of compliance with certain provisions of this </font><font style="color:#auto;">Indenture or certain defaults hereunder and their consequences) provided for in Section 412 or Section 906 of this Indenture, or</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:72pt;"></font><font style="color:#auto;">modify any of the provisions of this Section 802, Section 412 or Section 906, except to increase any such percentage or to provide that certain other provisions of </font><font style="color:#auto;letter-spacing:-0.25pt;">this Indenture cannot be modified or waived without the consent of the Holder of each Outstanding </font><font style="color:#auto;">Subordinated Note affected thereby.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">It will not be necessary for any Act of Holders under this Section 802 to approve the <font style="letter-spacing:-0.15pt;">particular form of any proposed supplemental indenture, but it will be sufficient if such Act will </font>approve the substance thereof.</p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319970"></a><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">58</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU64"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 803</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Execution of Supplemental Indentures.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As a condition to executing, or accepting the additional trusts created by, any supplemental <font style="letter-spacing:-0.15pt;">indenture permitted by this Article VIII or the modifications thereby of the trust created by this </font>Indenture, the Trustee will be entitled to receive, and (subject to Section 501) will be fully <font style="letter-spacing:-0.2pt;">protected in relying upon, an Officers&#8217; Certificate and an Opinion of Counsel to the effect that the </font>execution of such supplemental indenture is authorized or permitted by this Indenture and that <font style="letter-spacing:-0.15pt;">such supplemental indenture has been duly authorized, executed and delivered by, and is a valid, </font>binding and enforceable obligation of, the Company, subject to customary exceptions, and to the extent applicable pursuant to Section 801, that such supplemental indenture does not adversely affect the interests of the Holders. The Trustee shall execute any such supplemental indenture except that the Trustee may, but will not be obligated to, enter into any such supplemental indenture which affects the <font style="letter-spacing:-0.15pt;">Trustee&#8217;s own rights, duties or immunities under this Indenture or otherwise.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319971"></a>Section 804<font style="margin-left:36pt;"></font><font style="color:#auto;">Effect of Supplemental Indentures.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Upon the execution of any supplemental indenture under this Article VIII, this Indenture <font style="letter-spacing:-0.25pt;">will be modified in accordance therewith, and such supplemental indenture will form a part of this </font><font style="letter-spacing:-0.15pt;">Indenture for all purposes; and every Holder theretofore or thereafter authenticated and delivered </font>hereunder.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319972"></a>Section 805<font style="margin-left:36pt;"></font><font style="color:#auto;">Reference in Subordinated Notes to Supplemental Indentures.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Subordinated Notes authenticated and delivered after the execution of any supplemental indenture in accordance with this Article VIII may, and will if required by the Company, bear a notation in form approved by the Company as to any matter provided for in such supplemental <font style="letter-spacing:-0.2pt;">indenture. If the Company will so determine, new Subordinated Notes so modified as to conform, </font><font style="letter-spacing:-0.25pt;">in the opinion of the Company, to any such supplemental indenture may be prepared and executed </font>by the Company and authenticated and delivered by the Trustee in exchange for Outstanding Subordinated Notes.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319973"></a>Section 806<font style="margin-left:36pt;"></font><font style="color:#auto;">Effect on Senior Indebtedness.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No supplemental indenture will directly or indirectly modify or eliminate the Subordination <font style="letter-spacing:-0.15pt;">Provisions or the definition of &#8220;Senior Indebtedness&#8221; applicable with respect to the Subordinated </font><font style="letter-spacing:-0.2pt;">Notes in any manner that might terminate or impair the subordination of such Subordinated Notes </font><font style="letter-spacing:-0.25pt;">to such Senior Indebtedness without the prior written consent of each of the holders of such Senior </font>Indebtedness.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319974"></a>Section 807<font style="margin-left:36pt;"></font><font style="color:#auto;">Conformity with Trust Indenture Act.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Every supplemental indenture executed in accordance with this Article will conform to the requirements of the Trust Indenture Act as then in effect.</p>
<p style="margin-bottom:10pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><br /></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">59</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU65"></a><a name="_Toc51319975"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">ARTICLE IX</font><font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319975"></a></font><font style="color:#auto;font-family:Times New Roman;">COVENANTS</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319976"></a>Section 901<font style="margin-left:36pt;"></font><font style="color:#auto;">Payment of Principal and Interest.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company covenants and agrees for the benefit of the Holders that it will duly and <font style="letter-spacing:-0.15pt;">punctually pay the principal of, and interest on, the Subordinated Notes, in accordance with the terms thereof and this Indenture. Principal and interest will be considered paid on the date due if </font>the Paying Agent, if other than the Company or a Subsidiary thereof, holds as of 11:00 a.m., New York, New York t<font style="letter-spacing:-0.15pt;">ime, on any Interest Payment Date, an amount in immediately available funds </font><font style="letter-spacing:-0.25pt;">provided by the Company that is designated for and sufficient to pay all principal and interest then </font>due. The Company will pay all Additional Interest, if any, on the dates and in the amounts set forth in the Registration Rights Agreement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If Additional Interest is payable by the Company in accordance with the Registration Rights Agreement, the Company will deliver to the <font style="letter-spacing:-0.2pt;">Trustee a certificate to that effect stating (i) the amount of such Additional Interest that is payable </font><font style="letter-spacing:-0.15pt;">and (ii) the date on which such Additional Interest is payable. Unless and until a Responsible Officer of the </font><font style="letter-spacing:-0.2pt;">Trustee receives such a certificate or instruction or direction from the Holders in accordance with the terms of this Indenture, the Trustee may assume without inquiry that no Additional Interest is </font><font style="letter-spacing:-0.25pt;">payable. The foregoing will not prejudice the rights of the Holders with respect to their entitlement </font>to Additional Interest as otherwise set forth in this Indenture or the Subordinated Notes and <font style="letter-spacing:-0.15pt;">pursuing any action against the Company directly or otherwise directing the Trustee to take such </font><font style="letter-spacing:-0.2pt;">action in accordance with the terms of this Indenture and the Subordinated Notes. If the Company </font>has paid Additional Interest directly to persons entitled to it, the Company will deliver to the Trustee a certificate setting forth the particulars of such payment.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319977"></a>Section 902<font style="margin-left:36pt;"></font><font style="color:#auto;">Maintenance of Office.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will maintain an office or agency in the United States (which may <font style="letter-spacing:-0.15pt;">be an office of the Trustee or an Affiliate of the Trustee or Registrar) where Subordinated Notes </font><font style="letter-spacing:-0.2pt;">may be surrendered for registration of transfer or for exchange and where notices and demands to or upon the Company in respect of the Subordinated Notes and this Indenture may be served. The </font>Company will give prompt written notice to the Trustee of the location, and any change in the <font style="letter-spacing:-0.2pt;">location, of such office or agency. If at any time the Company fails to maintain any such required </font>office or agency or fails to furnish the Trustee with the address thereof, such presentations, <font style="letter-spacing:-0.05pt;">surrenders, notices and demands may be made or served at the Corporate Trust Office of the </font>Trustee.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company may also from time to time designate one or more other offices or agencies <font style="letter-spacing:-0.15pt;">where the Subordinated Notes may be presented or surrendered for any or all such purposes and may from time to time rescind such designations; provided that no such designation or rescission </font>will in any manner relieve the Company of its obligation to maintain an office or agency in the United States. The Company will give prompt written notice to the Trustee of any such <font style="letter-spacing:-0.15pt;">designation or rescission and of any change in the location of any such other office or agency.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company hereby designates the Corporate Trust Office of the Trustee as one such office or agency of the Company in accordance with Section 902; provided, however, that no service of legal process on the Company may be made at any office of the Trustee.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">60</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319978"></a><a name="_AEIOULastRenderedPageBreakAEIOU66"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 903</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Money for Subordinated Notes Payments to Be Held in Trust.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If the Company will at any time act as its own Paying Agent, it will, on or before each due <font style="letter-spacing:-0.15pt;">date of the principal of, or interest on, any of the Subordinated Notes, segregate and hold in trust for the benefit of the Persons entitled thereto a sum in Dollars sufficient to pay the principal and </font>interest, as the case may be, so becoming due until such sums will be paid to such Persons or otherwise disposed of as herein provided, and will promptly notify the Trustee of its action or failure so to act.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Whenever the Company will have one or more Paying Agents, it will, on or prior to each <font style="letter-spacing:-0.2pt;">due date of the principal of, or interest on, any Subordinated Notes, deposit with any Paying Agent a sum in Dollars sufficient to pay the principal and interest, as the case may be, so becoming due, such sum to be held in trust for the benefit of the Persons entitled thereto, and (unless such Paying </font>Agent is the Trustee) the Company will promptly notify the Trustee of its action or failure so to act.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will cause each Paying Agent other than the Trustee to execute and deliver to the Trustee an instrument in which such Paying Agent will agree with the Trustee, subject to the provisions of this Section that such Paying Agent will:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">hold all sums held by it for the payment of the principal of, or interest on, the Subordinated Notes in trust for the benefit of the Persons entitled thereto until such sums will be paid to such Persons or otherwise disposed of as provided in or under this Indenture;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">give the Trustee notice of any default by the Company in the making of any </font><font style="color:#auto;">payment of principal, or interest on, the Subordinated Notes; and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">at any time during the continuance of any such default, upon the written request of the Trustee, pay to the Trustee all sums so held in trust by such Paying Agent.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company may at any time, for the purpose of obtaining the satisfaction and discharge <font style="letter-spacing:-0.15pt;">of this Indenture or for any other purpose, pay, or by Company Order direct any Paying Agent to pay, to the Trustee all sums held in trust by the Company or such Paying Agent, such sums to be </font><font style="letter-spacing:-0.3pt;">held by the Trustee upon the same terms as those upon which such sums were held by the Company </font>or such Paying Agent; and, upon such payment by any Paying Agent to the Trustee, such Paying <font style="letter-spacing:-0.15pt;">Agent will be released from all further liability with respect to such sums.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU67"></a>Any money deposited with the Trustee or any Paying Agent, or then held by the Company, <font style="letter-spacing:-0.15pt;">in trust for the payment of the principal of, or interest on, any Subordinated Note and remaining </font><font style="letter-spacing:-0.2pt;">unclaimed for two years after such principal or interest will have become due and payable will be </font>paid to the Company upon a Company Request, or (if then held by the Company) will be discharged from such trust; and the Holder of such Subordinated Note will thereafter, as an <font style="letter-spacing:-0.2pt;">unsecured general creditor, look only to the Company for payment thereof, and all liability of the </font>Trustee or such Paying Agent with respect to such trust money, and all liability of the Company as trustee thereof, will thereupon cease; provided, however, that the Trustee or such Paying Agent, before being required to make any such repayment, may, not later than 30 days after the Company&#8217;s request for such repayment, at the expense of the Company cause to be published once, <font style="letter-spacing:-0.05pt;">in an Authorized Newspaper in each Place of Payment or to be delivered to such Holders of </font><font style="letter-spacing:-0.15pt;">Subordinated Notes, or both, notice </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">61</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;">that such money remains unclaimed and that, after a date </font><font style="letter-spacing:-0.2pt;">specified therein, which will not be less than 30 days from the date of such publication or delivery </font><font style="letter-spacing:-0.15pt;">nor will it be earlier than two years after such principal and or interest will have become due and payable, any unclaimed balance of such money then remaining will be repaid to the Company.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319979"></a>Section 904<font style="margin-left:36pt;"></font><font style="color:#auto;">Corporate Existence.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Subject to Article VII, the Company will do or cause to be done all things necessary to <font style="letter-spacing:-0.05pt;">preserve and keep in full force and effect (i) the corporate existence of the Company, (ii) the </font>existence (corporate or other) of each Significant Subsidiary and (iii) the rights (charter and <font style="letter-spacing:-0.05pt;">statutory), licenses and franchises of the Company and each of its Significant Subsidiaries; </font><font style="letter-spacing:-0.15pt;">provided, however, that the Company will not be required to preserve the existence (corporate or </font><font style="letter-spacing:-0.2pt;">other) of any of its Significant Subsidiaries or any such right, license or franchise of the Company or any of its Significant Subsidiaries if the Board of Directors of the Company determines that the </font><font style="letter-spacing:-0.15pt;">preservation thereof is no longer desirable in the conduct of the business of the Company and its Significant Subsidiaries taken as a whole and that the loss thereof will not be disadvantageous in </font>any material respect to the Holders.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319980"></a>Section 905<font style="margin-left:36pt;"></font><font style="color:#auto;">Maintenance of Properties.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will, and will cause each Significant Subsidiary to, cause all its properties used or useful in the conduct of its business to be maintained and kept in good condition, repair and working order and supplied with all necessary equipment and will cause to be made all necessary repairs, renewals, replacements, betterments and improvements thereof, all as in the <font style="letter-spacing:-0.25pt;">judgment of the Company may be necessary so that the business carried on in connection therewith </font>may be properly and advantageously conducted at all times; provided, however, that nothing in this Section will prevent the Company or any Significant Subsidiary from discontinuing the operation and maintenance of any of their respective properties if such discontinuance is, in the judgment of the Board of Directors of the Company or of any Significant Subsidiary, as the case may be desirable in the conduct of its business.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319981"></a>Section 906<font style="margin-left:36pt;"></font><font style="color:#auto;">Waiver of Certain Covenants.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company may omit in any particular instance to comply with any term, provision or <font style="letter-spacing:-0.25pt;">condition set forth in Section 902 to Section 905, inclusive, with respect to the Subordinated Notes </font>if before the time for such compliance the Holders of at least a majority in principal amount of the Outstanding Subordinated Notes, by Act of such Holders, either will waive such compliance in <font style="letter-spacing:-0.15pt;">such instance or generally will have waived compliance with such term, provision or condition, but no such waiver will extend to or affect such term, provision or condition except to the extent </font><font style="letter-spacing:-0.25pt;">so expressly waived, and, until such waiver will become effective, the obligations of the Company </font>and the duties of the Trustee in respect of any such term, provision or condition will remain in full force and effect.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319982"></a>Section 907<font style="margin-left:36pt;"></font><font style="color:#auto;">Company Statement as to Compliance.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU68"></a>The Company will deliver to the Trustee, within 120 days after the end of each fiscal year, an Officers&#8217; Certificate covering the preceding calendar year, stating whether or not, to the best of his or </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">62</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">her knowledge, the Company is in default in the performance and observance of any of the </font><font style="letter-spacing:-0.25pt;">terms, provisions and conditions of this Indenture (without regard to notice requirements or periods </font><font style="letter-spacing:-0.15pt;">of grace) and if the Company will be in default, specifying all such defaults and the nature and </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">status thereof of which he or she may have knowledge.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319983"></a><a name="_Toc423360737"></a>Section 908<font style="margin-left:36pt;"></font><font style="color:#auto;">Tier 2 Capital.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If all or any portion of the Subordinated Notes ceases to be deemed to be Tier 2 Capital, other than due to the limitation imposed on the capital treatment of subordinated debt during the five (5) years immediately preceding the Maturity Date of the Subordinated Notes, Company will immediately notify the Trustee and the Holders, and thereafter Company shall request, subject to the terms hereof, that the Trustee and the Holders execute and deliver all agreements as reasonably necessary in order to restructure the applicable portions of the obligations evidenced by the Subordinated Notes to qualify as Tier 2 Capital; provided, however, that nothing contained in this Section 908 shall limit the Company&#8217;s right to redeem the Subordinated Notes upon the occurrence of a Tier 2 Capital Event pursuant to Section 1001(3) hereof.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319984"></a>ARTICLE X<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319984"></a>REDEMPTION OF SECURITIES</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319985"></a>Section 1001<font style="margin-left:36pt;"></font><font style="color:#auto;">Applicability of Article.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">Except as provided in this Section 1001, the Subordinated Notes are not subject to redemption at the option of the Company. The Subordinated Notes are not subject to redemption at the option of the Holders.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">Subject to the receipt of any required regulatory approvals, with corresponding written notice to the Trustee, the Company at </font><font style="color:#auto;letter-spacing:-0.15pt;">any time or from time to time on or after</font><font style="color:#auto;"> October 15, 2025 </font><font style="color:#auto;letter-spacing:-0.15pt;">may redeem all or a portion of the </font><font style="color:#auto;">Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">Subject to the receipt of any required regulatory approvals, the Company </font><font style="color:#auto;letter-spacing:-0.2pt;">may, at its option, redeem all or a portion of the Outstanding Subordinated Notes at any time upon an </font><font style="color:#auto;">Investment Company Event, a Tax Event or a Tier 2 Capital Event.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">The Redemption Price with respect to any redemption permitted under this </font><font style="color:#auto;letter-spacing:-0.35pt;">Indenture will be equal to 100% of the principal amount of the Subordinated Notes to be redeemed, </font><font style="color:#auto;letter-spacing:-0.15pt;">plus accrued but unpaid interest and Additional Interest, if any, thereon to, but excluding, the </font><font style="color:#auto;">Redemption Date.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319986"></a>Section 1002<font style="margin-left:36pt;"></font><font style="color:#auto;">Election to Redeem; Notice to Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The election of the Company to redeem any Subordinated Notes will be evidenced by a Company Order. In case of any redemption of less than all of the Subordinated Notes, the Company will, at least 60 days prior to the Redemption Date fixed by the Company (unless a <font style="letter-spacing:-0.2pt;">shorter notice will be satisfactory to the Trustee, but in any event not less than 45 days prior to the </font>Redemption Date), notify the Trustee, of such Redemption Date and of the principal amount of Subordinated Notes to be redeemed.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">63</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU69"></a><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In the case of any redemption of Subordinated Notes (i) prior to the expiration of any </font><font style="letter-spacing:-0.2pt;">restriction on such redemption provided in the terms of such Subordinated Notes or elsewhere in </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">this Indenture or (ii) in accordance with an election of the Company that is subject to a condition </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">specified in the terms of such Subordinated Notes or elsewhere in this Indenture, the Company </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">will furnish to the Trustee an Officers&#8217; Certificate evidencing compliance with such restriction or </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">condition.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319987"></a>Section 1003<font style="margin-left:36pt;"></font><font style="color:#auto;">Selection by Trustee of Subordinated Notes to be Redeemed.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If less than all of the Subordinated Notes are to be redeemed, the Subordinated Notes will be redeemed on a pro rata basis as to the Holders, and if the Subordinated Notes are represented by Global Subordinated Notes held by the Depositary and such redemption is processed through the Depositary, such redemption will be made pro-rata, by lot or such method as the Trustee will deem fair and appropriate, subject to the applicable procedures of the Depositary.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee will promptly notify the Company and the Registrar (if other than itself) in writing of the Subordinated Notes selected for redemption and, in the case of any Subordinated Notes selected for partial redemption, the principal amount thereof to be redeemed.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For all purposes of this Indenture, unless the context otherwise requires, all provisions <font style="letter-spacing:-0.25pt;">relating to the redemption of Subordinated Notes will relate, in the case of any Subordinated Notes </font><font style="letter-spacing:-0.3pt;">redeemed or to be redeemed only in part, to the portion of the principal of such Subordinated Notes </font>which has been or is to be redeemed.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319988"></a>Section 1004<font style="margin-left:36pt;"></font><font style="color:#auto;">Notice of Redemption.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notice of redemption will be given in the manner provided in Section 105, not less than 30 <font style="letter-spacing:-0.15pt;">nor more than 60 days prior to the Redemption Date to the Holders of Subordinated Notes to be </font><font style="letter-spacing:-0.2pt;">redeemed. Failure to give notice by delivering in the manner herein provided to the Holder of any Subordinated Notes designated for redemption as a whole or in part, or any defect in the notice to </font><font style="letter-spacing:-0.15pt;">any such Holder, will not affect the validity of the proceedings for the redemption of any other </font>Subordinated Notes or portions thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any notice that is delivered to the Holder of any Subordinated Notes in the manner herein <font style="letter-spacing:-0.15pt;">provided will be conclusively presumed to have been duly given, whether or not such Holder </font>receives the notice.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All notices of redemption will state:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">the Redemption Date,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.2pt;">the Redemption Price,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:72pt;"></font><font style="color:#auto;">if less than all Outstanding Subordinated Notes are to be redeemed, the </font><font style="color:#auto;letter-spacing:-0.15pt;">identification (and, in the case of partial redemption, the principal amount) of the particular </font><font style="color:#auto;">Subordinated Note or Subordinated Notes to be redeemed,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU70"></a>(4)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">that, in case any Subordinated Note is to be redeemed in part only, on and </font><font style="color:#auto;">after the Redemption Date, upon surrender of such Subordinated Note, the Holder of such </font><font style="color:#auto;letter-spacing:-0.2pt;">Subordinated </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">64</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;letter-spacing:-0.2pt;">Note will receive, without charge, a new Subordinated Note or Subordinated Notes </font><font style="color:#auto;letter-spacing:-0.15pt;">of authorized denominations for the principal amount thereof remaining unredeemed,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.15pt;">that, on the Redemption Date, the Redemption Price will become due and </font><font style="color:#auto;letter-spacing:-0.05pt;">payable upon each such Subordinated Note or portion thereof to be redeemed, together (if </font><font style="color:#auto;">applicable) with accrued and unpaid interest and Additional Interest, if any, thereon (subject, if </font><font style="color:#auto;letter-spacing:-0.15pt;">applicable, to the provisos to the first paragraph of Section 1006), and, if applicable, that interest </font><font style="color:#auto;">thereon will cease to accrue on and after said date,</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:72pt;"></font><font style="color:#auto;letter-spacing:-0.25pt;">the place or places where such Subordinated Notes are to be surrendered for </font><font style="color:#auto;letter-spacing:-0.15pt;">payment of the Redemption Price and any accrued interest pertaining thereto, and</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:72pt;"></font><font style="color:#auto;">the section hereunder providing for such redemption.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The notice of redemption shall include the CUSIP number reference numbers of such Subordinated Notes, if any (or any other numbers used by a Depositary to identify such Subordinated Notes).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notice of redemption of Subordinated Notes to be redeemed at the election of the Company <font style="letter-spacing:-0.15pt;">will be given by the Company or, at the Company&#8217;s request delivered at least 10 days before the </font>date such notice is to be given (unless a shorter period will be acceptable to the Trustee), by the Trustee in the name and at the expense of the Company.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319989"></a>Section 1005<font style="margin-left:36pt;"></font><font style="color:#auto;">Deposit of Redemption Price.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">On or prior to 11:00 a.m., New York, New York time, on any Redemption Date, the Company <font style="letter-spacing:-0.15pt;">will deposit, with respect to the Subordinated Notes called for redemption in accordance with </font>Section 1004, with the Trustee or with a Paying Agent (or, if the Company is acting as its own <font style="letter-spacing:-0.2pt;">Paying Agent, segregate and hold in trust as provided in Section 903) an amount sufficient to pay </font><font style="letter-spacing:-0.15pt;">the Redemption Price of, and (except if the Redemption Date will be an Interest Payment Date) </font><font style="letter-spacing:-0.2pt;">any accrued interest on, all such Subordinated Notes or portions thereof which are to be redeemed </font>on that date.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319990"></a>Section 1006<font style="margin-left:36pt;"></font><font style="color:#auto;">Subordinated Notes Payable on Redemption Date.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notice of redemption having been given as provided above, the Subordinated Notes so to be redeemed will, on the Redemption Date, become due and payable at the Redemption Price <font style="letter-spacing:-0.25pt;">therein specified, together with accrued and unpaid interest and Additional Interest, if any, thereon and from and after such </font><font style="letter-spacing:-0.3pt;">date (unless the Company will default in the payment of the Redemption Price and accrued interest, </font>if any) such Subordinated Notes will cease to bear interest. Upon surrender of any such Subordinated Note for redemption in accordance with said notice, such Subordinated Note will be paid by the Company at the Redemption Price, together with any accrued and unpaid interest and Additional Interest, if any, thereon to but excluding the Redemption Date; provided, however, that installments of interest on <font style="letter-spacing:-0.15pt;">Subordinated Notes whose Stated Maturity is on or prior to the Redemption Date will be payable </font><font style="letter-spacing:-0.3pt;">to the Holders of such Subordinated Notes registered as such at the close of business on the Regular </font><font style="letter-spacing:-0.15pt;">Record Dates therefor according to their terms and the provisions of Section 210.</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">65</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU71"></a><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If any Subordinated Note called for redemption will not be so paid upon surrender thereof </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">for redemption, the principal, until paid, will bear interest from the Redemption Date at the rate </font><font style="letter-spacing:-0.3pt;">prescribed therefor in the Subordinated Note or, if no rate is prescribed therefor in the Subordinated </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Note, at the rate of interest, if any, borne by such Subordinated Note.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319991"></a>Section 1007<font style="margin-left:36pt;"></font><font style="color:#auto;">Subordinated Notes Redeemed in Part.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Any Subordinated Note which is to be redeemed only in part will be surrendered at any <font style="letter-spacing:-0.2pt;">office or agency for such Subordinated Note (with, if the Company or the Trustee so requires, due </font>endorsement by, or a written instrument of transfer in form satisfactory to the Company and the Trustee duly executed by, the Holder thereof or his attorney duly authorized in writing) and the Company will execute and the Trustee will authenticate and deliver to the Holder of such Subordinated Note without service charge, a new Subordinated Note or Subordinated Notes, containing identical terms and provisions, of any authorized denomination as requested by such <font style="letter-spacing:-0.2pt;">Holder in aggregate principal amount equal to and in exchange for the unredeemed portion of the </font>principal of the Subordinated Note so surrendered. If a Global Subordinated Note is so surrendered, the Company will execute, and the Trustee will authenticate and deliver to the <font style="letter-spacing:-0.2pt;">Depositary for such Global Subordinated Note as will be specified in the Company Order </font>with respect thereto to the Trustee, without service charge, a new Global Subordinated Note in a denomination equal to and in exchange for the unredeemed portion of the principal of the Global Subordinated Note so surrendered.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk51319255"></a>Upon surrender of a Subordinated Note that is redeemed in part, the Company will issue <font style="letter-spacing:-0.3pt;">and the Trustee will authenticate for the Holder at the expense of the Company a new Subordinated </font>Note equal in principal amount to the unredeemed portion of the Subordinated Note surrendered representing <a name="_Hlk51319255"></a>the same indebtedness to the extent not redeemed. Notwithstanding anything in this Indenture to the contrary, only a Company Order and not an Opinion of Counsel or an Officers&#8217; Certificate of the Company is required for the Trustee to authenticate such new Subordinated Note.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;color:#010000;font-size:12pt;font-family:Times New Roman Bold;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319992"></a>ARTICLE XI<font style="color:#auto;font-family:Times New Roman;"><br /><a name="_Toc51319992"></a>SUBORDINATION</font><font style="color:#auto;font-family:Times New Roman;letter-spacing:-0.35pt;"> OF SECURITIES</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319993"></a>Section 1101<font style="margin-left:36pt;"></font><font style="color:#auto;">Agreement to Subordinate.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company, for itself, its successors and assigns, covenants and agrees, and each Holder <font style="letter-spacing:-0.2pt;">of Subordinated Notes by the Holder&#8217;s acceptance thereof, likewise covenants and agrees, that the </font><font style="letter-spacing:-0.15pt;">payment of the principal of and interest on each and all of the Subordinated Notes is and will be </font><font style="letter-spacing:-0.2pt;">expressly subordinated in right of payment to the prior payment in full of all Senior Indebtedness.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319994"></a>Section 1102<font style="margin-left:36pt;"></font><font style="color:#auto;">Distribution of Assets.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU72"></a>(1)<font style="margin-left:72pt;"></font><font style="color:#auto;">Upon any distribution of assets of the Company upon any termination, winding up, liquidation or reorganization of the Company, whether in bankruptcy, insolvency, reorganization or receivership proceedings or upon an assignment for the benefit of creditors or any other marshalling of the assets and liabilities of the Company or otherwise (subject to the </font><font style="color:#auto;letter-spacing:-0.2pt;">power of a court of competent jurisdiction to make other equitable provision reflecting the rights </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">66</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;">conferred upon the Senior Indebtedness and the holders thereof with respect to the Subordinated </font><font style="color:#auto;letter-spacing:-0.3pt;">Notes and the Holders thereof by a lawful plan of reorganization under applicable Bankruptcy Law):</font></p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="color:#000000;">holders of all Senior Indebtedness will</font><font style="font-style:italic;color:#000000;"> </font><font style="color:#000000;">first be entitled to receive payment in full in accordance with the terms of such Senior Indebtedness of the principal thereof, </font><font style="letter-spacing:-0.15pt;color:#000000;">premium, if any, and the interest due thereon (including interest accruing subsequent to the </font><font style="letter-spacing:-0.25pt;color:#000000;">commencement of any proceeding for the bankruptcy or reorganization of the Company under any </font><font style="letter-spacing:-0.2pt;color:#000000;">applicable bankruptcy, insolvency or similar law now or hereafter in effect) before the Holders of </font><font style="color:#000000;">the Subordinated Notes are entitled to receive any payment upon the principal of or interest on indebtedness evidenced by the Subordinated Notes;</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.25pt;color:#000000;">any payment or distribution of assets of the Company of any kind or </font><font style="color:#000000;">character, whether in cash, property or securities, to which the Holders would be entitled except </font><font style="letter-spacing:-0.05pt;color:#000000;">for the provisions of this Article XI, including any such payment or distribution that may be </font><font style="letter-spacing:-0.2pt;color:#000000;">payable or deliverable by reason of the payment of any other indebtedness of the Company being </font><font style="color:#000000;">subordinated to the payment of the Subordinated Notes, will be paid by the liquidating trustee or agent or other Person making such payment or distribution, whether a trustee in bankruptcy, a </font><font style="letter-spacing:-0.2pt;color:#000000;">receiver or liquidating trustee or otherwise, directly to the holders of Senior Indebtedness or their representative or representatives or to the trustee or trustees under any indenture under which any </font><font style="letter-spacing:-0.25pt;color:#000000;">instruments evidencing any of such Senior Indebtedness may have been issued, in accordance with </font><font style="color:#000000;">the priorities then existing among holders of Senior Indebtedness for payment of the aggregate amounts remaining unpaid on account of the principal, premium, if any, and interest (including interest accruing subsequent to the commencement of any proceeding for the bankruptcy or reorganization of the Company under any applicable bankruptcy, insolvency or similar law now </font><font style="letter-spacing:-0.05pt;color:#000000;">or hereafter in effect) on the Senior Indebtedness held or represented by each, to the extent </font><font style="letter-spacing:-0.2pt;color:#000000;">necessary to make payment in full of all Senior Indebtedness remaining unpaid, after giving effect </font><font style="color:#000000;">to any concurrent payment or distribution to the holders of such Senior Indebtedness; it being understood that if the Holders fail to file a proper claim in the form required by any proceeding </font><font style="letter-spacing:-0.25pt;color:#000000;">referred to in this Section 1102(1)(b) prior to 30 days before the expiration of the time to file such </font><font style="color:#000000;">claim or claims, then the holders of Senior Indebtedness are hereby authorized to file an appropriate claim or claims for and on behalf of the Holders, in the form required in any such proceeding; and</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;color:#010000;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="letter-spacing:-0.15pt;color:#000000;">in the event that, notwithstanding the foregoing, any payment or </font><font style="color:#000000;">distribution of assets of the Company of any kind or character, whether in cash, property or securities, including any such payment or distribution that may be payable or deliverable by reason of the payment of any other indebtedness of the Company being subordinate to the payment of the </font><font style="letter-spacing:-0.15pt;color:#000000;">Subordinated Notes will be received by the Trustee or the Holders before all Senior Indebtedness </font><font style="color:#000000;">is paid in full, such payment or distribution will be paid over to the trustee in bankruptcy, receiver, </font><font style="letter-spacing:-0.15pt;color:#000000;">liquidating trustee, custodian, assignee, agent or other Person making payment of assets of the </font><font style="color:#000000;">Company for all Senior Indebtedness remaining unpaid until all such Senior Indebtedness will </font><font style="letter-spacing:-0.15pt;color:#000000;">have been paid in full, after giving effect to any concurrent payment or distribution to the holders </font><font style="color:#000000;">of such Senior Indebtedness,</font></p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU73"></a>(2)<font style="margin-left:72pt;"></font><font style="color:#auto;">Subject to the payment in full of all Senior Indebtedness, the Holders will be subrogated to the rights of the holders of Senior Indebtedness to receive payments or </font><font style="color:#auto;letter-spacing:-0.2pt;">distributions of cash, property or securities of the Company applicable to the Senior Indebtedness </font><font style="color:#auto;">until the principal of and interest on the Subordinated Notes will be paid in full and no such </font><font style="color:#auto;letter-spacing:-0.15pt;">payments </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">67</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;color:#010000;font-family:Times New Roman;font-size:12pt;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#auto;letter-spacing:-0.15pt;">or distributions to holders of such Senior Indebtedness to which the Holders would be entitled except for the provisions hereof of cash, property or securities otherwise distributable to </font><font style="color:#auto;">the holders of Senior Indebtedness will, as between the Company, its creditors, other than the </font><font style="color:#auto;letter-spacing:-0.15pt;">holders of Senior Indebtedness, and the Holders, be deemed to be a payment by the Company to </font><font style="color:#auto;letter-spacing:-0.2pt;">or on account of the Senior Indebtedness. It is understood that the provisions of this Article XI are </font><font style="color:#auto;letter-spacing:-0.15pt;">intended solely for the purpose of defining the relative rights of the Holders of the Subordinated </font><font style="color:#auto;">Notes, on the one hand, and the holders of Senior Indebtedness, on the other hand. Nothing </font><font style="color:#auto;letter-spacing:-0.2pt;">contained in this Article XI or elsewhere in this Indenture or any supplemental indenture issued in </font><font style="color:#auto;letter-spacing:-0.15pt;">accordance with Article VIII of this Indenture or in the Subordinated Notes is intended to or will </font><font style="color:#auto;letter-spacing:-0.2pt;">impair, as between the Company, its creditors, other than the holders of Senior Indebtedness, and </font><font style="color:#auto;">the Holders, the obligation of the Company, which is unconditional and absolute, to pay to the </font><font style="color:#auto;letter-spacing:-0.25pt;">Holders the principal of and interest on the Subordinated Notes </font><font style="color:#auto;letter-spacing:-0.25pt;">as</font><font style="font-style:italic;color:#auto;letter-spacing:-0.25pt;"> </font><font style="color:#auto;letter-spacing:-0.25pt;">and when the same will become </font><font style="color:#auto;letter-spacing:-0.15pt;">due and payable in accordance with their terms or to affect the relative rights of the Holders and </font><font style="color:#auto;letter-spacing:-0.05pt;">creditors of the Company, other than the holders of the Senior Indebtedness, nor, except as </font><font style="color:#auto;letter-spacing:-0.15pt;">otherwise expressly provided in this Indenture and the Subordinated Notes with respect to the </font><font style="color:#auto;">limitation on the rights of the Trustee and the Holders, to accelerate the Maturity of the </font><font style="color:#auto;letter-spacing:-0.2pt;">Subordinated Notes and pursue remedies upon such an acceleration, will anything herein or in the </font><font style="color:#auto;">Subordinated Notes prevent the Trustee or any Holder from exercising all remedies otherwise </font><font style="color:#auto;letter-spacing:-0.15pt;">permitted by applicable law upon any Event of Default under the Indenture occurring, subject to the rights, if any, under this Article XI of the holders of Senior Indebtedness, in respect of cash, </font><font style="color:#auto;letter-spacing:-0.2pt;">property or securities of the Company received upon the exercise of any such remedy. Upon any </font><font style="color:#auto;letter-spacing:-0.25pt;">payment or distribution of assets of the Company referred to in this Article XI, the Trustee and the </font><font style="color:#auto;letter-spacing:-0.15pt;">Holders will be entitled to rely upon any order or decree of a court of competent jurisdiction in which such termination, winding up, liquidation or reorganization proceeding is pending or upon </font><font style="color:#auto;letter-spacing:-0.05pt;">a certificate of the liquidating trustee or agent or other Person making any distribution to the </font><font style="color:#auto;letter-spacing:-0.2pt;">Trustee or to the Holders for the purpose of ascertaining the Persons entitled to participate in such </font><font style="color:#auto;letter-spacing:-0.15pt;">distribution, the holders of the Senior Indebtedness and other indebtedness of the Company, the </font><font style="color:#auto;letter-spacing:-0.2pt;">amount thereof or payable thereon, the amount or amounts paid or distributed thereon and all other facts pertinent thereto or to this Article XI.&nbsp;&nbsp;In the absence of any such liquidating trustee, agent or </font><font style="color:#auto;">other person, the Trustee will be entitled to rely upon a written notice by a Person representing </font><font style="color:#auto;letter-spacing:-0.2pt;">itself to be a holder of Senior Indebtedness (or a trustee or representative on behalf of such holder) </font><font style="color:#auto;">as evidence that such Person is a holder of Senior Indebtedness (or is such a trustee or representative). If the Trustee determines, in good faith, that further evidence is required with </font><font style="color:#auto;letter-spacing:-0.25pt;">respect to the right of any Person, as a holder of Senior Indebtedness, to participate in any payment </font><font style="color:#auto;letter-spacing:-0.15pt;">or distribution in accordance with this Article XI, the Trustee may request such Person to furnish </font><font style="color:#auto;letter-spacing:-0.25pt;">evidence to the reasonable satisfaction of the Trustee as to the amount of Senior Indebtedness held </font><font style="color:#auto;letter-spacing:-0.15pt;">by such Person, as to the extent to which such Person is entitled to participation in such payment </font><font style="color:#auto;">or distribution, and as to other facts pertinent to the rights of such Person under this Article XI, </font><font style="color:#auto;letter-spacing:-0.2pt;">and if such evidence is not furnished, the Trustee may defer any payment to such Person pending </font><font style="color:#auto;letter-spacing:-0.15pt;">judicial determination as to the right of such Person to receive such payment.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU74"></a>With respect to the holders of Senior Indebtedness, the Trustee undertakes to perform or to observe only such of its covenants and obligations as are specifically set forth in this Indenture, <font style="letter-spacing:-0.2pt;">and no implied covenants or obligations with respect to the holders of Senior Indebtedness will be read into this Indenture against the Trustee. The Trustee, however, will not be deemed to owe any </font><font style="letter-spacing:-0.15pt;">fiduciary duty to the holders of Senior Indebtedness by reason of the execution of this Indenture, </font>or any other supplemental indenture entered into in accordance with Article VIII of this Indenture, and will not be </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">68</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">liable to any such holders if it will in good faith mistakenly pay over or distribute to or on behalf of the Holders or the Company moneys or assets to which any holders of Senior Indebtedness will </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">be entitled by virtue of this Article XI or otherwise.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319995"></a>Section 1103<font style="margin-left:36pt;"></font><font style="color:#auto;">Default With Respect to Senior Indebtedness.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In the event and during the continuation of any default in the payment of principal of, or premium, if any, or interest on, any Senior Indebtedness, beyond any applicable grace period, or if any event of default with respect to any Senior Indebtedness will have occurred and be <font style="letter-spacing:-0.25pt;">continuing, or would occur as a result of the payment referred to hereinafter, permitting the holders of such Senior Indebtedness (or a trustee on behalf of the holders thereof) to accelerate the maturity </font>thereof, then, unless and until such default or event of default will have been cured or waived or will have ceased to exist, no payment or principal of or interest on the Subordinated Notes, or in respect of any retirement, purchase or other acquisition of any of the Subordinated Notes, will be made by the Company.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319996"></a>Section 1104<font style="margin-left:36pt;"></font><font style="color:#auto;">No Impairment.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Nothing contained in this Indenture, any other supplemental indenture entered into in <font style="letter-spacing:-0.3pt;">accordance with Article VIII of this Indenture, or in any of the Subordinated Notes will: (i) impair, </font><font style="letter-spacing:-0.25pt;">as between the Company and the Holders, the obligations of the Company, to make, or prevent the </font>Company from making, at any time except as provided in Section 1102 and Section 1103, <font style="letter-spacing:-0.25pt;">payments of principal of, or interest (including interest accruing subsequent to the commencement </font><font style="letter-spacing:-0.15pt;">of any proceeding for the bankruptcy or reorganization of the Company under any applicable bankruptcy, insolvency, or similar law now or hereafter in effect) on, the Subordinated Notes, as </font><font style="letter-spacing:-0.25pt;">and when the same will become due and payable in accordance with the terms of the Subordinated </font>Notes; (ii) affect the relative rights of the Holders and creditors of the Company other than the <font style="letter-spacing:-0.15pt;">holders of the Senior Indebtedness; (iii) except as otherwise expressly provided in this Indenture </font>and the Subordinated Notes with respect to the limitation on the rights of the Trustee and the <font style="letter-spacing:-0.15pt;">Holders, to accelerate the Maturity of the Subordinated Notes and pursue remedies upon such an </font>acceleration, prevent the Holder of any Subordinated Notes or the Trustee from exercising all <font style="letter-spacing:-0.15pt;">remedies otherwise permitted by applicable law upon default thereunder, subject to the rights, if </font>any, under this Article XI of the holders of Senior Indebtedness in respect of cash, property or securities of the Company received upon the exercise of such remedy; or (iv) prevent the <font style="letter-spacing:-0.15pt;">application by the Trustee or any Paying Agent of any moneys deposited with it hereunder to the </font><font style="letter-spacing:-0.2pt;">payment of or on account of the principal of, or interest on, the Subordinated Notes or prevent the </font>receipt by the Trustee or any Paying Agent of such moneys, if, prior to the third Business Day <font style="letter-spacing:-0.15pt;">prior to such deposit, the Trustee or such Paying Agent did not have written notice of any event </font>prohibiting the making of such deposit by the Company.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319997"></a>Section 1105<font style="margin-left:36pt;"></font><font style="color:#auto;">Effectuation of Subordination Provisions.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU75"></a>Each Holder by his acceptance of any Notes authorizes and expressly directs the Trustee on such Holder&#8217;s behalf to take such action as may be necessary or appropriate to effectuate the Subordination Provisions, and appoints the Trustee such Holder&#8217;s attorney-in-fact for such purposes, including, in the event of any termination, winding up, liquidation or reorganization of the Company (whether in bankruptcy, insolvency, receivership, reorganization or similar proceedings or upon an assignment for the benefit of creditors by the Company, a marshalling of <font style="letter-spacing:-0.05pt;">the assets and </font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">69</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.05pt;">liabilities of the Company or otherwise) tending toward the liquidation of the </font><font style="letter-spacing:-0.3pt;">property and assets of the Company, the filing of a claim for the unpaid balance of the Subordinated </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notes in the form required in those proceedings.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319998"></a>Section 1106<font style="margin-left:36pt;"></font><font style="color:#auto;">Notice to Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will give prompt written notice to the Trustee of any fact known to the Company that would prohibit the Company from making any payment to or by the Trustee in <font style="letter-spacing:-0.25pt;">respect of the Subordinated Notes in accordance with the provisions of this Article XI.&nbsp;&nbsp;The Trustee </font>will not be charged with the knowledge of the existence of any default or event of default with respect to any Senior Indebtedness or of any other facts that would prohibit the making of any <font style="letter-spacing:-0.2pt;">payment to or by the Trustee or any Paying Agent unless and until the Trustee will have received notice in writing at its </font>Corporate Trust Office to that effect signed by an Authorized Officer, or by a holder of Senior <font style="letter-spacing:-0.15pt;">Indebtedness or a Trustee or agent thereof; and prior to the receipt of any such written notice, the Trustee will, subject to Article V of this Indenture, be entitled to assume that no such facts exist; provided that, if the Trustee will not have received the notice provided for in this Section 1106 at least two Business Days prior to the date upon which, by the terms of the Indenture, any monies will become payable for any purpose (including, without limitation, the payment of the principal </font>of or interest on any Subordinated Note), then, notwithstanding anything herein to the contrary, the Trustee will have full power and authority to receive any monies from the Company and to <font style="letter-spacing:-0.25pt;">apply the same to the purpose for which they were received, and will not be affected by any notice </font><font style="letter-spacing:-0.15pt;">to the contrary that may be received by it on or after such prior date except for an acceleration of </font><font style="letter-spacing:-0.25pt;">the Subordinated Notes prior to such application. The foregoing will not apply if the Paying Agent </font>is the Company. The Trustee will be entitled to rely on the delivery to it of a written notice by a <font style="letter-spacing:-0.05pt;">Person representing himself or itself to be a holder of any Senior Indebtedness (or a trustee on </font><font style="letter-spacing:-0.25pt;">behalf of, or agent of, such holder) to establish that such notice has been given by a holder of such </font>Senior Indebtedness or a trustee or agent on behalf of any such holder.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In the event that the Trustee determines in good faith that any evidence is required with <font style="letter-spacing:-0.2pt;">respect to the right of any Person as a holder of Senior Indebtedness to participate in any payment </font>or distribution in accordance with this Article XI, the Trustee may request such Person to furnish <font style="letter-spacing:-0.25pt;">evidence to the reasonable satisfaction of the Trustee as to the amount of Senior Indebtedness held </font>by such Person, the extent to which such Person is entitled to participate in such payment or <font style="letter-spacing:-0.2pt;">distribution and any other facts pertinent to the rights of such Person under this Article XI and, if </font>such evidence is not furnished to the Trustee, the Trustee may defer any payment to such Person <font style="letter-spacing:-0.2pt;">pending such evidence being furnished to the Trustee or a judicial determination that such Person </font>has the right to receive such payment.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51319999"></a>Section 1107<font style="margin-left:36pt;"></font><font style="color:#auto;">Trustee Knowledge of Senior Indebtedness.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding the provisions of this Article XI or any other provisions of this Indenture or any other supplemental indenture issued in accordance with Article VIII of this Indenture, neither the Trustee nor any Paying Agent will be charged with knowledge of the existence of any Senior Indebtedness or of any event that would prohibit the making of any payment of moneys to <font style="letter-spacing:-0.15pt;">or by the Trustee or such Paying Agent, unless and until a Responsible Officer of the Trustee or </font><font style="letter-spacing:-0.25pt;">such Paying Agent will have received written notice thereof from the Company or from the holder </font><font style="letter-spacing:-0.15pt;">of any Senior Indebtedness or from the representative of any such holder.</font></p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">70</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51320000"></a><a name="_AEIOULastRenderedPageBreakAEIOU76"></a><font style="color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">Section 1108</font><font style="margin-left:36pt;"></font><font style="color:#auto;">Senior Indebtedness to Trustee.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee will be entitled to all of the rights set forth in this Article XI in respect of any <font style="letter-spacing:-0.25pt;">Senior Indebtedness at any time held by it in its individual capacity to the same extent as any other </font><font style="letter-spacing:-0.05pt;">holder of such Senior Indebtedness, and nothing in this Indenture or any other supplemental </font>indenture issued in accordance with Article VIII of this Indenture will be construed to deprive the Trustee of any of its rights as such holder.</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:12pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Toc51320001"></a>Section 1109<font style="margin-left:36pt;"></font><font style="color:#auto;">Subordination Not Applicable to Trustee Compensation.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Nothing contained in this Article XI will apply to the claims of, or payments to, the Trustee under Section 507 of this Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Trustee hereby accepts the trusts in this Indenture upon the terms and conditions set forth herein.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[Signature Page Follows]</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">71</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU77"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF, the parties hereto have caused this Indenture to be duly signed as of the date first written above.</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:<font style="margin-left:252pt;"></font><font style="text-decoration:underline;">/s/ W. Jack Plants, II</font><font style="text-decoration:underline;margin-left:252pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name:&nbsp;&nbsp;W. Jack Plants, II<font style="margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title: &nbsp;&nbsp; Senior Vice President and Corporate<font style="margin-left:36pt;"></font><br />&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Treasurer<font style="margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">WILMINGTON TRUST, NATIONAL ASSOCIATION</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As Trustee</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:<font style="margin-left:252pt;"></font>/<font style="text-decoration:underline;">s/ W. Thomas Morris II</font><font style="text-decoration:underline;margin-left:252pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name:<font style="margin-left:256pt;"></font>W. Thomas Morris II</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title:<font style="margin-left:256pt;"></font>Vice President</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU78"></a><font style="text-decoration:underline;">EXHIBIT A-l</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">(FORM OF DEFINITIVE SUBORDINATED NOTE)</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:0.25pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;text-transform:uppercase;letter-spacing:0.25pt;font-size:12pt;font-family:Times New Roman;font-style:normal;font-variant: normal;">4.375% <font style="text-transform:none;">FIXED TO FLOATING </font>Subordinated Note due October 15, 2030</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THE SECURITIES EVIDENCED BY THIS CERTIFICATE HAVE NOT BEEN <font style="letter-spacing:-0.05pt;">REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &#8220;SECURITIES ACT&#8221;) OR </font><font style="letter-spacing:-0.2pt;">UNDER ANY APPLICABLE STATE SECURITIES LAW. THESE SECURITIES MAY NOT </font>BE OFFERED FOR SALE, SOLD, TRANSFERRED OR ASSIGNED (I) IN THE ABSENCE OF (A) AN EFFECTIVE REGISTRATION STATEMENT FOR THE SECURITIES UNDER THE SECURITIES ACT OR (B) AN AVAILABLE EXEMPTION FROM, INCLUDING (BUT NOT LIMITED TO) IN ACCORDANCE AND IN COMPLIANCE WITH RULE 144A UNDER THE SECURITIES ACT, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH APPLICABLE STATE SECURITIES <font style="letter-spacing:-0.2pt;">LAWS OR BLUE SKY LAWS AS EVIDENCED BY A LEGAL OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY, IF REQUESTED, OR (II) UNLESS </font>SOLD IN ACCORDANCE WITH RULE 144 UNDER SAID ACT.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.2pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THIS SECURITY AND THE OBLIGATIONS OF THE COMPANY (AS DEFINED HEREIN) <font style="letter-spacing:-0.3pt;">AS EVIDENCED HEREBY </font>(1)<font style="letter-spacing:-0.3pt;"> ARE NOT DEPOSITS WITH OR HELD BY THE COMPANY </font>AND ARE NOT INSURED OR GUARANTEED BY ANY FEDERAL AGENCY OR INSTRUMENTALITY, INCLUDING, WITHOUT LIMITATION, THE FEDERAL DEPOSIT INSURANCE CORPORATION AND (2) ARE SUBORDINATE IN THE RIGHT OF PAYMENT TO ALL SENIOR INDEBTEDNESS (AS DEFINED IN THE INDENTURE IDENTIFIED HEREIN).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CERTAIN ERISA CONSIDERATIONS:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.25pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU79"></a>THE HOLDER OF THIS SECURITY, OR ANY INTEREST HEREIN, BY ITS ACCEPTANCE HEREOF OR THEREOF AGREES, REPRESENTS AND WARRANTS THAT IT IS NOT AN EMPLOYEE BENEFIT PLAN, INDIVIDUAL RETIREMENT ACCOUNT OR OTHER PLAN <font style="letter-spacing:-0.3pt;">OR ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME </font>SECURITY ACT OF 1974, AS AMENDED (&#8220;ERISA&#8221;), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#8220;CODE&#8221;) (EACH A &#8220;PLAN&#8221;), <font style="letter-spacing:-0.35pt;">OR AN ENTITY WHOSE UNDERLYING ASSETS INCLUDE &#8220;PLAN ASSETS&#8221; BY REASON </font>OF ANY PLAN&#8217;S INVESTMENT IN THE ENTITY, AND NO PERSON INVESTING &#8220;PLAN <font style="letter-spacing:-0.3pt;">ASSETS&#8221; OF ANY PLAN MAY ACQUIRE OR HOLD THIS SECURITY OR ANY INTEREST </font>HEREIN, UNLESS SUCH PURCHASER OR HOLDER IS ELIGIBLE FOR THE EXEMPTIVE RELIEF AVAILABLE UNDER U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION 96-23, 95-60, 91-38, 90-1 OR 84-14 OR ANOTHER <font style="letter-spacing:-0.3pt;">APPLICABLE EXEMPTION OR ITS PURCHASE AND HOLDING OF THIS SECURITY, OR </font>ANY INTEREST HEREIN, ARE NOT PROHIBITED BY SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE WITH </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.25pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">RESPECT TO SUCH PURCHASE AND HOLDING. </font><font style="letter-spacing:-0.25pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ANY PURCHASER OR HOLDER OF THIS SECURITY OR ANY INTEREST HEREIN WILL </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE AND HOLDING THEREOF </font><font style="letter-spacing:-0.05pt;">THAT EITHER (i) IT IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN TO </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">WHICH TITLE I OF ERISA OR SECTION 4975 OF THE CODE IS APPLICABLE, A </font><font style="letter-spacing:-0.05pt;">TRUSTEE OR OTHER PERSON ACTING ON BEHALF OF ANY SUCH EMPLOYEE </font><font style="letter-spacing:-0.2pt;">BENEFIT PLAN OR PLAN, OR ANY OTHER PERSON OR ENTITY USING THE &#8220;PLAN </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ASSETS&#8221; OF ANY SUCH EMPLOYEE BENEFIT PLAN OR PLAN TO FINANCE SUCH PURCHASE, OR (ii) SUCH PURCHASE OR HOLDING WILL NOT RESULT IN A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE FOR WHICH FULL EXEMPTIVE RELIEF IS NOT AVAILABLE UNDER </font><font style="letter-spacing:-0.25pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">APPLICABLE STATUTORY OR ADMINISTRATIVE EXEMPTION.</font></p>
<p style="text-align:left;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ANY FIDUCIARY OF ANY PLAN WHO IS CONSIDERING THE ACQUISITION OF ANY OF THE SECURITIES SHOULD CONSULT WITH HIS OR HER LEGAL COUNSEL PRIOR <font style="letter-spacing:-0.2pt;">TO ACQUIRING SUCH SECURITIES.</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</a></p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No. [&#8226;]</font></p></td>
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<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU80"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CUSIP/ISIN Accredited Investors: 317585 AC1 / US317585AC15</font></p></td></tr></table></div>
<p style="text-align:right;margin-bottom:12pt;margin-top:0pt;margin-left:11.54%;text-indent:-11.54%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CUSIP/ISIN QIBs: 317585 AB3 / US317585AB32</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:66.35%;text-indent:-66.35%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;margin-left:66.35%;text-indent:-66.35%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;margin-left:11.54%;text-indent:-11.54%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.375% FIXED TO FLOATING RATE SUBORDINATED NOTE DUE OCTOBER 15, 2030</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-1pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.05pt;">Indenture; Holders</font><font style="letter-spacing:-0.05pt;">. This note is one of a duly authorized issue of notes of Financial Institutions, Inc., a New York </font>corporation (the &#8220;<font style="text-decoration:underline;">Company</font>&#8221;), designated as the <font style="letter-spacing:-0.05pt;">&#8220;4.375% Fixed to Floating Rate Subordinated Notes due 20</font>30<font style="letter-spacing:-0.05pt;">&#8221; (the &#8220;</font><font style="text-decoration:underline;letter-spacing:-0.05pt;">Subordinated Notes</font><font style="letter-spacing:-0.05pt;">&#8221;) in an aggregate principal </font>amount of $35 million and initially issued on October 7, 2020. The Company has issued this <font style="letter-spacing:-0.2pt;">Subordinated Note under that certain Indenture dated as of October 7</font>, 2020<font style="letter-spacing:-0.2pt;">, as the same may be</font><font style="font-style:italic;letter-spacing:-0.2pt;"> </font><font style="letter-spacing:-0.2pt;">amended or supplemented from time to time (&#8220;</font><font style="text-decoration:underline;letter-spacing:-0.2pt;">Indenture</font><font style="letter-spacing:-0.2pt;">&#8221;), between the Company and </font>Wilmington Trust, National Association, as Trustee. All capitalized terms not otherwise defined herein this <font style="letter-spacing:-0.15pt;">Subordinated Note will have the meanings assigned to them in the Indenture. The terms of this Subordinated Note includes those stated in the Indenture and those made part of the Indenture by reference to the Trust Indenture Act. This Subordinated Note is subject to all such terms, and the Holder (as defined below) is referred to the Indenture and the Trust Indenture Act for a statement </font><font style="letter-spacing:-0.2pt;">of such terms. To the extent any provision of this Subordinated Note irreconcilably conflicts with </font><font style="letter-spacing:-0.05pt;">the express provisions of the Indenture, the provisions of the Indenture will govern and be </font>controlling.</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.</font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;"><font style="text-decoration:underline;">Payment</font>.&nbsp;&nbsp;The Company, for value received, promises to pay to [&#8226;], or its registered assigns, the principal sum of [&#8226;] Dollars (U.S.) ($[&#8226;],000,000), plus accrued but unpaid interest on October 15, 2030 (the &#8220;<font style="text-decoration:underline;">Maturity Date</font>&#8221;) and to pay interest thereon (i) from and including the original issue date of the Subordinated Notes to but excluding October 15, 2025 or the earlier redemption date contemplated by <font style="text-decoration:underline;">Section 4</font> (Redemption) of this Subordinated Note (the &#8220;<font style="text-decoration:underline;">Fixed Rate Period</font>&#8221;), at the rate of 4.375% per annum, computed on the basis of a 360-day year consisting of twelve 30-day months and payable semi-annually in arrears on April 15 and October 15 of each year (each payment date, a &#8220;<font style="text-decoration:underline;">Fixed Interest Payment Date</font>&#8221;), beginning April 15, 2021, and (ii) from and including October 15, 2025 to but excluding the Maturity Date or earlier redemption date contemplated by <font style="text-decoration:underline;">Section 4</font> (Redemption) of this Subordinated Note (the &#8220;<font style="text-decoration:underline;">Floating Rate Period</font>&#8221;), at the rate per annum, reset quarterly, equal to the Floating Interest Rate (as defined below) determined on the Floating Interest Determination Date (as defined below) of the applicable interest period plus 426.5 basis points, computed on the basis of a 360-day year and the actual number of days elapsed and payable quarterly in arrears (each quarterly period a &#8220;<font style="text-decoration:underline;">Floating Interest Period</font>&#8221;) on January 15, April 15, July 15 and October 15 of each year (each payment date, a &#8220;<font style="text-decoration:underline;">Floating Interest Payment Date</font>&#8221;). Dollar amounts resulting from this calculation shall be rounded to the nearest cent, with one-half cent being rounded up.&nbsp;&nbsp;The term &#8220;<font style="text-decoration:underline;">Floating Interest Determination Date</font>&#8221; means the date upon which the Floating Interest Rate is determined by the Calculation Agent pursuant to the Three-Month Term SOFR Conventions.&nbsp;&nbsp;Notwithstanding anything to the contrary, (i) in the event the Three-Month Term SOFR (as defined below) is less than zero, the Three-Month Term SOFR shall be deemed to be zero, and (ii) if a Benchmark Transition Event (as defined below) and its related Benchmark Replacement Date (as defined below) have occurred and the Benchmark Replacement (as defined below) is less than zero, then the Benchmark Replacement shall be deemed to be zero.</p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</a></p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU81"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font><font style="margin-left:36pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An &#8220;</font><font style="text-decoration:underline;">Interest Payment Date</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; is either a Fixed Interest Payment Date or a Floating Interest Payment Date, as applicable. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:36pt;"></font>The &#8220;<font style="text-decoration:underline;">Floating Interest Rate</font>&#8221; means:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:108pt;"></font>initially Three-Month Term SOFR (as defined below).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:108pt;"></font>Notwithstanding the foregoing <font style="text-decoration:underline;">clause (i)</font> of this <font style="text-decoration:underline;">Section 2(b)</font>:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>If the Calculation Agent determines prior to the relevant Floating Interest Determination Date that a Benchmark Transition Event and its related Benchmark Replacement Date (each of such terms as defined below) have occurred with respect to Three-Month Term SOFR, then the Company shall promptly provide notice of such determination to the Holders and <font style="text-decoration:underline;">Section 2(c)</font> (Effect of Benchmark Transition Event) will thereafter apply to all determinations, calculations and quotations made or obtained for the purposes of calculating the Floating Interest Rate payable on the Subordinated Notes during a relevant Floating Interest Period. </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>However, if the Calculation Agent, determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR, but for any reason the Benchmark Replacement has not been determined as of the relevant Floating Interest Determination Date, the Floating Interest Rate for the applicable Floating Interest Period will be equal to the Floating Interest Rate on the last Floating Interest Determination Date for the Subordinated Notes, as determined by the Calculation Agent (as defined below).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iii)<font style="margin-left:108pt;"></font>If the then-current Benchmark (as defined below) is Three-Month Term SOFR and any of the foregoing provisions concerning the calculation of the interest rate and the payment of interest during the Floating Rate Period are inconsistent with any of the Three-Month Term SOFR Conventions (as defined below) determined by the Company, then the relevant Three-Month Term SOFR Conventions (as defined below) will apply.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Effect of Benchmark Transition Event</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:108pt;"></font>If the Calculation Agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred prior to the Reference Time (as defined below) in respect of any determination of the Benchmark (as defined below) on any date, the Benchmark Replacement will replace the then-current Benchmark for all purposes relating to the Subordinated Notes during the relevant Floating Interest Period in respect of such determination on such date and all determinations on all subsequent dates.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:108pt;"></font>In connection with the implementation of a Benchmark Replacement, the Company will have the right to make Benchmark Replacement Conforming Changes from time to time, and such changes shall become effective without consent from the relevant Holders or any other party.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU82"></a>(iii)<font style="margin-left:108pt;"></font>Any determination, decision or election that may be made by the Company or by the Calculation Agent pursuant to the benchmark transition provisions set forth </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">herein, including any determination with respect to a tenor, rate or adjustment or of the occurrence or non-occurrence of an event, circumstance or date, and any decision to take or refrain from taking any action or any selection:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>will be conclusive and binding absent manifest error;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>if made by the Company, will be made in the Company&#8217;s sole discretion; </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:144pt;"></font>if made by the Calculation Agent, will be made after consultation with the Company, and the Calculation Agent will not make any such determination, decision or election to which the Company reasonably objects; and</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:144pt;"></font>notwithstanding anything to the contrary in this Subordinated Note or the Purchase Agreement, shall become effective without consent from the relevant Holders or any other party.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iv)<font style="margin-left:108pt;"></font>For the avoidance of doubt, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, interest payable on this Subordinated Note for the Floating Rate Period will be an annual rate equal to the sum of the applicable Benchmark Replacement and the spread specified on the face hereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(v)<font style="margin-left:108pt;"></font>As used in this Subordinated Note:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark</font>&#8221; means, initially, Three-Month Term SOFR; provided that if a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or the then-current Benchmark, then &#8220;<font style="text-decoration:underline;">Benchmark</font>&#8221; means the applicable Benchmark Replacement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement</font>&#8221; means the Interpolated Benchmark with respect to the then-current Benchmark; provided that if (a) the Calculation Agent cannot determine the Interpolated Benchmark as of the Benchmark Replacement Date or (b) the then-current Benchmark is Three-Month Term SOFR and a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR (in which event no Interpolated Benchmark with respect to Three-Month Term SOFR shall be determined), then &#8220;<font style="text-decoration:underline;">Benchmark Replacement</font>&#8221; means the first alternative set forth in the order below that can be determined by the&nbsp;&nbsp;Calculation Agent, as of the Benchmark Replacement Date:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>The sum of (i) Compounded SOFR and (ii) the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the alternate rate of interest that has been selected or recommended by the Relevant Governmental Body as the replacement for the then-current Benchmark for the applicable Corresponding Tenor and (ii)&#160;the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the ISDA Fallback Rate and (ii)&#160;the Benchmark Replacement Adjustment;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU83"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">d.</font><font style="margin-left:180pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the sum of: (i)&#160;the alternate rate of interest that has been selected by the Company as the replacement for the then-current Benchmark for the applicable Corresponding Tenor giving due consideration to any industry-accepted rate of interest as a replacement for the then-current Benchmark for U.S. dollar denominated floating rate notes at such time and (ii)&#160;the Benchmark Replacement Adjustment.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Adjustment</font>&#8221; means the first alternative set forth in the order below that can be determined by the Calculation Agent, as of the Benchmark Replacement Date:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>the spread adjustment, or method for calculating or determining such spread adjustment, (which may be a positive or negative value or zero) that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>if the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the ISDA Fallback Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>the spread adjustment (which may be a positive or negative value or zero) that has been selected by the Company giving due consideration to any industry-accepted spread adjustment, or method for calculating or determining such spread adjustment, for the replacement of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement for U.S. dollar denominated floating rate notes at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Conforming Changes</font>&#8221; means, with respect to any Benchmark Replacement, any technical, administrative or operational changes (including changes to the definition of &#8220;<font style="text-decoration:underline;">Floating Interest Period</font>,&#8221; timing and frequency of determining rates with respect to each Floating Interest Period and making payments of interest, rounding of amounts or tenors and other administrative matters) that the Company decides may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially consistent with market practice (or, if the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Company determines that no market practice for use of the Benchmark Replacement exists, in such other manner as the Company determines is reasonably necessary).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Date</font>&#8221; means the earliest to occur of the following events with respect to the then-current Benchmark:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>in the case of clause (a) of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the relevant Reference Time in respect of any determination;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>in the case of <font style="text-decoration:underline;">clause (b)</font>&#160;or <font style="text-decoration:underline;">(c)</font> of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the later of (i)&#160;the date of the public statement or publication of information referenced therein and (ii)&#160;the date on which the administrator of the Benchmark permanently or indefinitely ceases to provide the Benchmark; or</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU84"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.</font><font style="margin-left:180pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">in the case of </font><font style="text-decoration:underline;">clause (d)</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> of the definition of &#8220;</font><font style="text-decoration:underline;">Benchmark Transition Event</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,&#8221; the date of such public statement or publication of information referenced therein.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference Time for purposes of such determination.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>&#8221; means the occurrence of one or more of the following events with respect to the then-current Benchmark:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>if the Benchmark is Three-Month Term SOFR, (i) the Relevant Governmental Body has not selected or recommended a forward-looking term rate for a tenor of three months based on SOFR, (ii) the development of a forward-looking term rate for a tenor of three months based on SOFR that has been recommended or selected by the Relevant Governmental Body is not complete or (iii) the Company determines that the use of a forward-looking rate for a tenor of three months based on SOFR is not administratively feasible;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>a public statement or publication of information by or on behalf of the administrator of the Benchmark announcing that such administrator has ceased or will cease to provide the Benchmark, permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark, the central bank for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority with jurisdiction over the administrator for the Benchmark or a court or an entity with similar insolvency or resolution authority over the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will cease to provide the Benchmark permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark; or</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">d.<font style="margin-left:180pt;"></font>a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark announcing that the Benchmark is no longer representative.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Calculation Agent</font>&#8221; means such bank or other entity (which may be the Company or an affiliate of the Company but shall not be the Trustee without the Trustee&#8217;s express written consent) as may be appointed by the Company to act as Calculation Agent for the Subordinated Notes during the Floating Rate Period.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(8)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Compounded SOFR</font>&#8221; means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this rate, and conventions for this rate being established by the Company or its designee in accordance with:</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU85"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.</font><font style="margin-left:180pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the rate, or methodology for this rate, and conventions for this rate selected or recommended by the Relevant Governmental Body for determining compounded SOFR; </font><font style="font-style:italic;">provided</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> that:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>if, and to the extent that, the Company or its designee determines that Compounded SOFR cannot be determined in accordance with <font style="text-decoration:underline;">clause (a)</font>&#160;above, then the rate, or methodology for this rate, and conventions for this rate that have been selected by the Company or its designee giving due consideration to any industry-accepted market practice for U.S. dollar denominated floating rate notes at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the avoidance of doubt, the calculation of Compounded SOFR will exclude the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(9)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Corresponding Tenor</font>&#8221; with respect to a Benchmark Replacement means a tenor (including overnight) having approximately the same length (disregarding Business Day adjustment) as the applicable tenor for the then-current Benchmark.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(10)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">FRBNY</font>&#8221; means the Federal Reserve Bank of New York.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(11)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">FRBNY&#8217;s Website</font>&#8221; means the website of the FRBNY at http://www.newyorkfed.org, or any successor source.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(12)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Interpolated Benchmark</font>&#8221; with respect to the Benchmark means the rate determined for the Corresponding Tenor by interpolating on a linear basis between: (1)&#160;the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the Corresponding Tenor and (2)&#160;the Benchmark for the shortest period (for which the Benchmark is available) that is longer than the Corresponding Tenor.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(13)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA</font>&#8221; means the International Swaps and Derivatives Association, Inc. or any successor thereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(14)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Definitions</font>&#8221; means the 2006 ISDA Definitions published by the ISDA or any successor thereto, as amended or supplemented from time to time, or any successor definitional booklet for interest rate derivatives published from time to time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(15)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Fallback Adjustment</font>&#8221; means the spread adjustment (which may be a positive or negative value or zero) that would apply for derivatives transactions referencing the ISDA Definitions to be determined upon the occurrence of an index cessation event with respect to the Benchmark for the applicable tenor.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(16)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Fallback Rate</font>&#8221; means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective upon the occurrence of an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable ISDA Fallback Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU86"></a>(17)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Reference Time</font>&#8221; with respect to any determination of a Benchmark means (1) if the Benchmark is Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions, and (2) if the </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Benchmark is not Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Benchmark Replacement Conforming Changes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(18)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Relevant Governmental Body</font>&#8221; means the Board of Governors of the Federal Reserve System (the &#8220;<font style="text-decoration:underline;">Federal Reserve</font>&#8221;) and/or the FRBNY, or a committee officially endorsed or convened by the Federal Reserve and/or the FRBNY or any successor thereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(19)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">SOFR</font>&#8221; means the daily Secured Overnight Financing Rate provided by the FRBNY, as the administrator of the benchmark (or a successor administrator), on the FRBNY&#8217;s Website.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(20)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Term SOFR</font>&#8221; means the forward-looking term rate for the Corresponding Tenor based on SOFR that has been selected or recommended by the Relevant Governmental Body.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(21)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Term SOFR Administrator</font>&#8221; means any entity designated by the Relevant Governmental Body as the administrator of Term SOFR (or a successor administrator).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(22)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Three-Month Term SOFR</font>&#8221; means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any Floating Interest Period, as determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(23)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Three-Month Term SOFR Conventions</font>&#8221; means any determination, decision or election with respect to any technical, administrative or operational matter (including with respect to the manner and timing of the publication of Three-Month Term SOFR, or changes to the definition of &#8220;Floating Interest Period&#8221;, timing and frequency of determining Three-Month Term SOFR with respect to each Floating Interest Period and making payments of interest, rounding of amounts or tenors, and other administrative matters) that the Company decides may be appropriate to reflect the use of Three-Month Term SOFR as the Benchmark in a manner substantially consistent with market practice (or, if the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Company determines that no market practice for the use of Three-Month Term SOFR exists, in such other manner as the Company determines is reasonably necessary).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(24)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Unadjusted Benchmark Replacement</font>&#8221; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU87"></a>(d)<font style="margin-left:36pt;"></font>In the event that any Fixed Interest Payment Date during the Fixed Rate Period falls on a day that is not a Business Day (as defined below), the interest payment due on that date shall be postponed to the next day that is a Business Day and no additional interest shall accrue as a result of that postponement. In the event that any Floating Interest Payment Date during the Floating Rate Period falls on a day that is not a Business Day (as defined below), the interest payment due on that date shall be postponed to the next day that is a Business Day and interest shall accrue to but excluding the date interest is paid. However, if the postponement would cause the day to fall in the next calendar month during the Floating Interest Period, the Floating Interest </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Payment Date shall instead be brought forward to the immediately preceding Business Day.</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> The term &#8220;Business Day&#8221; means any day other than a Saturday or Sunday or any other day on which banking institutions in the State of New York are generally authorized or required by law or executive order to be closed.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will pay interest on this Subordinated Note to the Person who is the registered Holder at the close of business on the first calendar day of the month in which the <font style="letter-spacing:-0.15pt;">Interest Payment Date occurs, except as provided in Section 210 of the Indenture with respect to </font><font style="letter-spacing:-0.25pt;">Defaulted Interest. This Subordinated Note will be payable as to principal and interest at the office or agency of the Paying Agent, or, at the option of the Company, payment of interest may be made </font><font style="letter-spacing:-0.2pt;">by check delivered to the Holder at its address set forth in the Subordinated Note Register or by wire </font><font style="letter-spacing:-0.15pt;">transfer to an account appropriately designated by the Person entitled to payment; </font><font style="font-style:italic;letter-spacing:-0.15pt;">provided, </font><font style="letter-spacing:-0.15pt;">that </font><font style="letter-spacing:-0.05pt;">the Paying Agent will have received written notice of such account designation at least five </font>Business Days prior to the date of such payment (subject to surrender of this Subordinated Note in the case of a payment of interest at Maturity).</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Paying </font><font style="text-decoration:underline;letter-spacing:-0.35pt;">Agent</font><font style="text-decoration:underline;"> and Registrar</font>.&nbsp;&nbsp;Wilmington Trust, National Association, the Trustee <font style="letter-spacing:-0.05pt;">(&#8220;Trustee&#8221;) under the Indenture, will act as the initial Paying Agent and Registrar through its </font>offices presently located at 1100 North Market Street, Wilmington, Delaware 19890.&nbsp;&nbsp;The Company may change any Paying Agent or Registrar without notice to any Holder. The Company or any of its Subsidiaries may act in any such capacity.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.4pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;">Subordination</font><font style="letter-spacing:-0.15pt;">.&nbsp;&nbsp;The indebtedness of the Company evidenced by this Subordinated </font>Note, including the principal thereof and interest thereon, is, to the extent and in the manner set <font style="letter-spacing:-0.15pt;">forth in the Indenture, </font><font style="letter-spacing:-0.35pt;">subordinate</font><font style="letter-spacing:-0.15pt;"> and junior in right of payment to obligations of the Company constituting the Senior Indebtedness (as defined in the Indenture) on the terms and subject to the terms and conditions as provided and set forth in Article XI of the Indenture and will rank </font><font style="font-style:italic;letter-spacing:-0.15pt;">pari </font><font style="font-style:italic;">passu </font>in right of payment with all other Subordinated Notes. Holder, by the acceptance of this <font style="letter-spacing:-0.25pt;">Subordinated Note, agrees to and will be bound by such provisions of the Indenture and authorizes </font>and directs the Trustee on his behalf to take such actions as may be necessary or appropriate to effectuate the subordination so provided.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.35pt;">Redemption</font>. The Company may, at any time or from time to time on or after October 15, 2025<font style="letter-spacing:-0.05pt;">, redeem this Subordinated Note, in whole or in part, without premium or </font>penalty, but in all cases in a principal amount with integral multiples of $1,000. In addition, the <font style="letter-spacing:-0.15pt;">Company may redeem all, but not a portion of the Subordinated Notes, at any time upon the </font>occurrence of a Tier 2 Capital Event, Tax Event or an Investment Company Event. Any <font style="letter-spacing:-0.15pt;">redemption with respect to this Subordinated Note will be subject to any required regulatory approvals. This Subordinated Note is not subject to redemption at the option of the Holder. The </font><font style="letter-spacing:-0.2pt;">Redemption Price with respect to any redemption permitted under this Indenture will be equal to 100% of the principal amount of this Subordinated Note, or portion thereof, to be redeemed, plus </font>accrued but unpaid interest and Additional Interest, if any, thereon to, but excluding, the Redemption Date.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU88"></a>If all or any portion of the Subordinated Notes ceases to be deemed to be Tier 2 Capital, other than due to the limitation imposed on the capital treatment of subordinated debt during the five (5) years immediately preceding the Maturity Date of the Subordinated Notes, Company will immediately notify the Trustee and the Holders, and thereafter Company shall request, subject to the terms hereof, </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">that the Trustee and the Holders execute and deliver all agreements as reasonably necessary in order to restructure the applicable portions of the obligations evidenced by the Subordinated Notes to qualify as Tier 2 Capital; provided, however, that the foregoing shall not limit the Company&#8217;s right to redeem the Subordinated Notes upon the occurrence of a Tier 2 Capital Event.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If less than the then outstanding principal amount of this Subordinated Note is redeemed, (i) a new note shall be issued representing the unredeemed portion without charge to the Holder thereof and (ii) such redemption shall be effected on a pro rata basis as to the Holder, and if the Subordinated Notes are represented by Global Subordinated Notes held by the Depositary and such redemption is processed through the Depositary, such redemption will be made on a &#8220;Pro Rata Pass-Through Distribution of Principal&#8221; basis in accordance with the procedures of the Depositary. In the event a pro rata redemption as provided in the preceding sentence is not permitted under applicable law or applicable requirements of the Depositary, the Subordinated Notes to be redeemed will be selected by lot or such method as the Trustee will deem fair and appropriate.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Events of Default; Acceleration</font>. An &#8220;Event of Default&#8221; means any one of the <font style="letter-spacing:-0.05pt;">events described in </font><font style="letter-spacing:-0.35pt;">Section</font><font style="letter-spacing:-0.05pt;"> 401 of the Indenture. If an Event of Default described in Section </font>401(1) or Section 401(2) of the Indenture occurs, then the principal amount of all of the Outstanding Subordinated Notes, and accrued and unpaid interest, if any, on all Outstanding <font style="letter-spacing:-0.2pt;">Subordinated Notes will become and be immediately due and payable without any declaration or </font><font style="letter-spacing:-0.15pt;">other act on the part of the Trustee or the Holder, and the Company waives demand, presentment </font>for payment, notice of nonpayment, notice of protest, and all other notices. Notwithstanding the <font style="letter-spacing:-0.05pt;">foregoing, because the Company will treat the Subordinated Notes as Tier 2 Capital</font><font style="letter-spacing:-0.25pt;">, </font><font style="letter-spacing:-0.15pt;">upon the occurrence of an Event of Default other than an Event of Default described in Section </font>401(1) or Section 401(2) of the Indenture, neither the Trustee nor the Holder may accelerate the <font style="letter-spacing:-0.25pt;">Maturity of the Subordinated Notes and make the principal of, and any accrued and unpaid interest </font><font style="letter-spacing:-0.15pt;">on the Subordinated Notes, immediately due and payable.&nbsp;&nbsp;If any Event of Default occurs and is </font>continuing, the Trustee may also pursue any other available remedy to collect the payment of <font style="letter-spacing:-0.3pt;">principal of, and interest on, the Subordinated Notes or to enforce the performance of any provision </font>of the Subordinated Notes or the Indenture.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;">Failure to Make Payments</font><font style="letter-spacing:-0.15pt;">. If the Company fails to make any payment of interest </font><font style="letter-spacing:-0.25pt;">on this Subordinated Note when such interest becomes due and payable and such default continues </font>for a period of 30 days, or if the Company fails to make any payment of the principal of this <font style="letter-spacing:-0.05pt;">Subordinated Note when such principal becomes due and payable, the Company will, upon </font>demand of the Trustee, pay to the Trustee, for the benefit of the Holder, the whole amount then <font style="letter-spacing:-0.2pt;">due and payable with respect to this Subordinated Note, with interest upon the overdue principal, </font>any premium and, to the extent permitted by applicable law, upon any overdue installments of interest at the rate or respective rates, as the case may be, provided for or with respect to this <font style="letter-spacing:-0.2pt;">Subordinated Note or, if no such rate or rates are so provided, at the rate or respective rates, as the </font>case may be, of interest borne by this Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU89"></a>Upon an Event of Default<font style="letter-spacing:-0.25pt;">, the Company may not declare or pay any dividends </font><font style="letter-spacing:-0.15pt;">or distributions on, or redeem, purchase, acquire, or make a liquidation payment with respect to, </font><font style="letter-spacing:-0.2pt;">any of the Company&#8217;s capital stock, make any payment of principal or interest or premium, if any, </font>on or repay, repurchase or redeem any debt securities of the Company that rank equal with or <font style="letter-spacing:-0.25pt;">junior to this Subordinated Note, or make any payments under any guarantee that ranks equal with </font>or junior to this Subordinated </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Note, other than: (i) any dividends or distributions in shares of, or </font><font style="letter-spacing:-0.25pt;">options, warrants or rights to subscribe for or purchase shares of, any class of Company&#8217;s common </font><font style="letter-spacing:-0.2pt;">stock; (ii) any declaration of a dividend in connection with the implementation of a shareholders&#8217; </font><font style="letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">rights plan, or the issuance of stock under any such plan in the future, or the redemption or </font><font style="letter-spacing:-0.15pt;">repurchase of any such rights pursuant thereto; (iii) as a result of a reclassification of Company&#8217;s </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">capital stock or the exchange or conversion of one class or series of Company&#8217;s capital stock for </font><font style="letter-spacing:-0.25pt;">another class or series of Company&#8217;s capital stock; (iv) the purchase of fractional interests in shares </font><font style="letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of Company&#8217;s capital stock in accordance with the conversion or exchange provisions of such </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">capital stock or the security being converted or exchanged; or (v) purchases of any class of </font><font style="letter-spacing:-0.2pt;">Company&#8217;s common stock related to the issuance of common stock or rights under any of benefit plans for Company&#8217;s directors, officers or employees or any of Company&#8217;s dividend reinvestment </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">plans.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.35pt;">Denominations</font><font style="text-decoration:underline;letter-spacing:-0.15pt;">, Transfer, Exchange</font><font style="letter-spacing:-0.15pt;">.&nbsp;&nbsp;The Subordinated Notes are issuable only in </font>registered form without interest coupons in minimum denominations of $100,000 and integral multiples of $1,000 in excess thereof. The transfer of this Subordinated Note may be registered and this Subordinated Note may be exchanged as provided in the Indenture. The Registrar may require the Holder, among other things, to furnish appropriate endorsements and transfer <font style="letter-spacing:-0.2pt;">documents and the Company may require the Holder to pay any taxes and fees required by law or </font>permitted by the Indenture.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;">Charges and Transfer Taxes</font><font style="letter-spacing:-0.15pt;">. No service charge will be made for any registration </font>of transfer or exchange of this Subordinated Note, or any redemption or repayment of this Subordinated Note, or any conversion or exchange of this Subordinated Note for other types of <font style="letter-spacing:-0.2pt;">securities or property, but the Company may require payment of a sum sufficient to pay all taxes, </font><font style="letter-spacing:-0.25pt;">assessments or other governmental charges that may be imposed in connection with the transfer or </font><font style="letter-spacing:-0.15pt;">exchange of this Subordinated Note from the Holder requesting such transfer or exchange.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Persons </font><font style="text-decoration:underline;letter-spacing:-0.35pt;">Deemed</font><font style="text-decoration:underline;"> Owners</font>. The Company and the Trustee and any agent of the <font style="letter-spacing:-0.2pt;">Company or the Trustee may treat the Person in whose name this Subordinated Note is registered </font><font style="letter-spacing:-0.25pt;">as the owner hereof for all purposes, whether or not this Subordinated Note is overdue, and neither </font><font style="letter-spacing:-0.15pt;">the Company, the Trustee nor any such agent will be affected by notice to the contrary.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;">Amendments; Waivers</font><font style="letter-spacing:-0.15pt;">. The Indenture permits, with certain exceptions as therein </font>provided, the amendment thereof and the modification of the rights and obligations of the <font style="letter-spacing:-0.25pt;">Company and the rights of the </font><font style="letter-spacing:-0.35pt;">Holders</font><font style="letter-spacing:-0.25pt;"> of the Subordinated Notes at any time by the Company and </font>the Trustee with the consent of the holders of a majority in principal amount of the then <font style="letter-spacing:-0.15pt;">Outstanding Subordinated Notes. The Indenture also contains provisions permitting the holders </font><font style="letter-spacing:-0.05pt;">of specified percentages in principal amount of the then Outstanding Subordinated Notes, on </font><font style="letter-spacing:-0.2pt;">behalf of the holders of all Subordinated Notes, to waive certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Subordinated Note will be conclusive and binding upon such Holder and upon all future holders of this Subordinated Note </font><font style="letter-spacing:-0.25pt;">and of any Subordinated Note issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Subordinated </font>Note.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.7pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU90"></a>12.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;">No </font><font style="text-decoration:underline;">Impairment</font><font style="letter-spacing:-0.15pt;">. No reference herein to the Indenture and no provision of this </font>Subordinated Note or of the Indenture will alter or impair the obligation of the Company, which </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.7pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.15pt;">is absolute and unconditional, to pay the principal of and interest (if any) and Additional Interest on this Subordinated Note at the times, place and rate as herein prescribed.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.9pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.2pt;">Sinking </font><font style="text-decoration:underline;">Fund</font><font style="text-decoration:underline;letter-spacing:-0.2pt;">; Convertibility</font><font style="letter-spacing:-0.2pt;">.&nbsp;&nbsp;This Subordinated Note is not entitled to the benefit of any sinking fund. This Subordinated Note is not convertible into or exchangeable for any of the </font><font style="letter-spacing:-0.15pt;">equity securities, other securities or assets of the Company or any Subsidiary.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.6pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">14.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.2pt;">No </font><font style="text-decoration:underline;">Recourse</font><font style="text-decoration:underline;letter-spacing:-0.2pt;"> Against Others</font><font style="letter-spacing:-0.2pt;">.&nbsp;&nbsp;No recourse under or upon any obligation, covenant </font>or agreement contained in the Indenture or in this Subordinated Note, or for any claim based <font style="letter-spacing:-0.2pt;">thereon or otherwise in respect thereof, will be had against any past, present or future shareholder, employee, officer, or director, as such, of the Company or of any predecessor or successor, either directly or through the Company or any predecessor or successor, under any rule of law, statute or </font>constitutional provision or by the enforcement of any assessment or by any legal or equitable <font style="letter-spacing:-0.15pt;">proceeding or otherwise, all such liability being expressly waived and released by the acceptance </font>of this Subordinated Note by the Holder and as part of the consideration for the issuance of this Subordinated Note.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.65pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">15.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Authentication</font><font style="letter-spacing:-0.25pt;">. This Subordinated Note will not be valid until authenticated by the </font>manual signature of the Trustee or an Authenticating Agent.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.7pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">16.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Abbreviations</font>. Customary abbreviations may be used in the name of a Holder or <font style="letter-spacing:-0.15pt;">an assignee, such as: TEN COM (= tenants in common), TEN ENT (= tenants by the entireties), </font><font style="letter-spacing:-0.05pt;">JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= </font><font style="letter-spacing:-0.2pt;">custodian), and U/G/M/A (= Uniform Gifts to Minors Act).&nbsp;&nbsp;Additional abbreviations may also be </font>used though not in the above list.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">17.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.05pt;">Available </font><font style="text-decoration:underline;">Information</font><font style="letter-spacing:-0.05pt;">.&nbsp;&nbsp;The Company will furnish to the Holder upon written </font>request and without charge a copy of the Indenture.&nbsp;&nbsp;Requests by Holders to the Company may be made to: Financial Institutions, Inc. 220 Liberty Street, Warsaw, New York 14569, Attn: General Counsel.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">18.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Governing</font><font style="text-decoration:underline;letter-spacing:-0.2pt;"> Law</font><font style="letter-spacing:-0.2pt;">.&nbsp;&nbsp;THIS SUBORDINATED NOTE WILL BE DEEMED TO BE A </font><font style="letter-spacing:-0.05pt;">CONTRACT MADE UNDER THE LAWS OF THE STATE OF </font>NEW YORK<font style="letter-spacing:-0.05pt;"> AND WILL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE </font><font style="letter-spacing:-0.25pt;">STATE OF</font> NEW YORK<font style="letter-spacing:-0.05pt;"> </font><font style="letter-spacing:-0.25pt;">WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES THEREOF.</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[Signature Page Follows]</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF, the undersigned has caused this Subordinated Note to be duly executed.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Dated: </p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:50.96%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">By:<font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:50%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">Name:<font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:50%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">Title:<font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">TRUSTEE&#8217;S CERTIFICATE OF AUTHENTICATION</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This is one of the Subordinated Notes of Financial Institutions, Inc. referred to in the within-mentioned Indenture:</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;text-transform:uppercase;font-size:12pt;font-family:Times New Roman;font-style:normal;font-variant: normal;">WILMINGTON TRUST, NATIONAL ASSOCIATION</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">as Trustee</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By: <font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Authorized Signatory</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Dated:<font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">ASSIGNMENT FORM</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">To assign this Subordinated Note, fill in the form below: (I) or (we) assign and transfer this Subordinated Note to:</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:underline;"></font><font style="text-decoration:underline;margin-left:36pt;"></font>&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Print or type assignee&#8217;s name, address and zip code)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:underline;"></font><font style="text-decoration:underline;margin-left:36pt;"></font>&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Insert assignee&#8217;s social security or tax I.D. No.)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and irrevocably appoint _______________________ agent to transfer this Subordinated Note on <font style="letter-spacing:-0.15pt;">the books of the Company. The agent may substitute another to act for him.</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;text-indent:0%;letter-spacing:-0.3pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date:<font style="text-decoration:underline;margin-left:180pt;"></font><font style="margin-left:216pt;"></font><font style="letter-spacing:-0.25pt;">Your signature:</font><font style="text-decoration:underline;letter-spacing:-0.25pt;margin-left:180pt;"></font></p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Sign exactly as your name appears on the face of this Subordinated Note)</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Tax Identification No:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Signature Guarantee:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Signatures must be guaranteed by an eligible guarantor institution (banks, stockbroker&#8217;s, savings and loan associations and credit unions with membership in an approved signature guarantee medallion program), pursuant to Exchange Act Rule 17Ad-15).</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The undersigned certifies that it [is / is not] an Affiliate of the Company and that, to its <font style="letter-spacing:-0.15pt;">knowledge, the proposed transferee </font>[is / is not] <font style="letter-spacing:-0.15pt;">an Affiliate of the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with any transfer or exchange of this Subordinated Note occurring prior to the date that is one year after the later of the date of original issuance of this Subordinated Note and the last date, if any, on which this Subordinated Note was owned by the Company or any Affiliate of the Company, the undersigned confirms that this Subordinated Note is being:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CHECK ONE BOX BELOW:</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"><a name="Check1"></a>&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><a name="Check1"></a><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;">(1)acquired for the undersigned&#8217;s own account, without transfer;</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(2)transferred to the Company;</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(3)transferred in accordance and in compliance with Rule 144A under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;);</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(4)transferred under an effective registration statement under the Securities Act;</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(5)transferred in accordance with and in compliance with Regulation S under the Securities Act;</p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU91"></a><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;">(6)transferred to an institutional &#8220;accredited investor&#8221; (as defined in Rule 501(a)(1), (2), (3) or (7) under the Securities Act) or an &#8220;accredited investor&#8221; (as defined in Rule 501(a)(4) under the Securities Act), that has furnished a signed letter containing certain representation&#8217;s and agreements; or</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(7)transferred in accordance with another available exemption from the registration requirements of the Securities Act of 1933, as amended.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Unless one of the boxes is checked, the Paying Agent will refuse to register this Subordinated Note <font style="letter-spacing:-0.2pt;">in the name of any person other than the registered Holder thereof; provided, however, that if box </font>(5), (6) or (7) is checked, the Paying Agent may require, prior to registering any such transfer of <font style="letter-spacing:-0.05pt;">this Subordinated Note, in its sole discretion, such legal opinions, certifications and other </font>information as the Paying Agent may reasonably request to confirm that such transfer is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act such as the exemption provided by Rule 144 under such Act.</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Signature:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Signature Guarantee:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Signatures must be guaranteed by an eligible guarantor institution (banks, stockbroker&#8217;s, savings and loan associations and credit unions with membership in an approved signature guarantee medallion program), pursuant to Exchange Act Rule 17Ad-l5).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">TO BE COMPLETED BY PURCHASER IF BOX (1) OR (3) ABOVE IS CHECKED.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The undersigned represents and warrants that it is purchasing this Subordinated Note for its own account or an account with respect to which it exercises sole investment discretion and that it and any such account is a &#8220;qualified institutional buyer&#8221; within the meaning of Rule 144A under the Securities Act of 1933, as amended, and is aware that the sale to it is being made in reliance <font style="letter-spacing:-0.2pt;">on Rule 144A and acknowledges that it has received such information regarding the Issuer as the </font>undersigned has requested pursuant to Rule 144A or has determined not to request such information and that it is aware that the transferor is relying upon the undersigned&#8217;s foregoing representations in order to claim the exemption from registration provided by Rule 144A.</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;text-indent:0%;letter-spacing:-0.3pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date:<font style="text-decoration:underline;margin-left:180pt;"></font><font style="margin-left:216pt;">S</font><font style="letter-spacing:-0.25pt;">ignature:</font><font style="text-decoration:underline;letter-spacing:-0.25pt;margin-left:180pt;"></font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU92"></a><font style="text-decoration:underline;">EXHIBIT A-2</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">(FORM OF GLOBAL SUBORDINATED NOTE)</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THE SECURITIES EVIDENCED BY THIS CERTIFICATE HAVE NOT BEEN <font style="letter-spacing:-0.05pt;">REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &#8220;SECURITIES ACT&#8221;) OR </font><font style="letter-spacing:-0.2pt;">UNDER ANY APPLICABLE STATE SECURITIES LAW. THESE SECURITIES MAY NOT </font>BE OFFERED FOR SALE, SOLD, TRANSFERRED OR ASSIGNED (I) IN THE ABSENCE OF (A) AN EFFECTIVE REGISTRATION STATEMENT FOR THE SECURITIES UNDER THE SECURITIES ACT OR (B) AN AVAILABLE EXEMPTION FROM, INCLUDING (BUT NOT LIMITED TO) IN ACCORDANCE AND IN COMPLIANCE WITH RULE 144A UNDER THE SECURITIES ACT, OR IN A TRANSACTION NOT SUBJECT TO, THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND IN ACCORDANCE WITH APPLICABLE STATE SECURITIES <font style="letter-spacing:-0.2pt;">LAWS OR BLUE SKY LAWS AS EVIDENCED BY A LEGAL OPINION OF COUNSEL REASONABLY SATISFACTORY TO THE COMPANY, IF REQUESTED, OR (II) UNLESS </font>SOLD IN ACCORDANCE WITH RULE 144 UNDER SAID ACT.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THIS SUBORDINATED NOTE IS A GLOBAL SUBORDINATED NOTE WITHIN THE <font style="letter-spacing:-0.2pt;">MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED </font><font style="letter-spacing:-0.25pt;">IN THE NAME OF CEDE &amp; CO AS NOMINEE OF THE DEPOSITORY TRUST COMPANY </font>(&#8220;DTC&#8221;) OR A NOMINEE OF DTC. THIS SUBORDINATED NOTE IS EXCHANGEABLE <font style="letter-spacing:-0.05pt;">FOR SUBORDINATED NOTES REGISTERED IN THE NAME OF A PERSON OTHER </font><font style="letter-spacing:-0.2pt;">THAN DTC OR ITS NOMINEE ONLY IN THE LIMITED CIRCUMSTANCES DESCRIBED </font>IN THE INDENTURE, AND NO TRANSFER OF THIS SUBORDINATED NOTE (OTHER THAN A TRANSFER OF THIS SUBORDINATED NOTE AS A WHOLE BY DTC TO A <font style="letter-spacing:-0.2pt;">NOMINEE OF DTC OR BY A NOMINEE OF DTC TO DTC OR ANOTHER NOMINEE OF </font>DTC) MAY BE REGISTERED EXCEPT IN LIMITED CIRCUMSTANCES SPECIFIED IN THE INDENTURE.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">UNLESS THIS SUBORDINATED NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF DTC TO THE COMPANY OR ITS AGENT FOR REGISTRATION <font style="letter-spacing:-0.3pt;">OF TRANSFER, EXCHANGE, OR PAYMENT, AND ANY SUBORDINATED NOTE ISSUED </font>IS REGISTERED IN THE NAME OF CEDE &amp; CO, OR IN SUCH OTHER NAME AS IS <font style="letter-spacing:-0.3pt;">REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT </font>HEREON IS MADE TO CEDE <font style="font-style:italic;">&amp; </font>CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE &amp; CO., HAS AN INTEREST HEREIN.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">TRANSFERS OF THIS SUBORDINATED NOTE WILL BE LIMITED TO TRANSFERS IN <font style="letter-spacing:-0.2pt;">WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR A SUCCESSOR THEREOF OR </font>SUCH SUCCESSOR&#8217;S NOMINEE AND TRANSFERS OF PORTIONS OF THIS SUBORDINATED NOTE WILL BE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE INDENTURE REFERRED TO ON THE REVERSE HEREOF.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU93"></a><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THIS SECURITY AND THE OBLIGATIONS OF THE COMPANY (AS DEFINED HEREIN) </font><font style="letter-spacing:-0.25pt;">AS EVIDENCED HEREBY (1) ARE NOT DEPOSITS WITH OR HELD BY THE COMPANY </font><font style="letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">AND ARE NOT INSURED OR GUARANTEED BY ANY FEDERAL AGENCY OR INSTRUMENTALITY, INCLUDING, WITHOUT LIMITATION, THE FEDERAL DEPOSIT INSURANCE CORPORATION AND (2) ARE SUBORDINATE IN THE RIGHT OF PAYMENT TO ALL SENIOR INDEBTEDNESS (AS DEFINED IN THE INDENTURE IDENTIFIED HEREIN).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">CERTAIN ERISA CONSIDERATIONS:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">THE HOLDER OF THIS SECURITY, OR ANY INTEREST HEREIN, BY ITS ACCEPTANCE HEREOF OR THEREOF AGREES, REPRESENTS AND WARRANTS THAT IT IS NOT AN EMPLOYEE BENEFIT PLAN, INDIVIDUAL RETIREMENT ACCOUNT OR OTHER PLAN OR ARRANGEMENT SUBJECT TO TITLE I OF THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974, AS AMENDED (&#8220;ERISA&#8221;), OR SECTION 4975 OF THE INTERNAL REVENUE CODE OF 1986, AS AMENDED (THE &#8220;CODE&#8221;) (EACH A &#8220;PLAN&#8221;), <font style="letter-spacing:-0.35pt;">OR AN ENTITY WHOSE UNDERLYING ASSETS INCLUDE &#8220;PLAN ASSETS&#8221; BY REASON </font><font style="letter-spacing:-0.2pt;">OF ANY PLAN&#8217;S INVESTMENT IN THE ENTITY, AND NO PERSON INVESTING &#8220;PLAN </font><font style="letter-spacing:-0.3pt;">ASSETS&#8221; OF ANY PLAN MAY ACQUIRE OR HOLD THIS SECURITY OR ANY INTEREST HEREIN, UNLESS SUCH PURCHASER OR HOLDER IS ELIGIBLE FOR THE EXEMPTIVE </font>RELIEF AVAILABLE UNDER U.S. DEPARTMENT OF LABOR PROHIBITED TRANSACTION CLASS EXEMPTION 96-23, 95-60, 91-38, 90-1 OR 84-14 OR ANOTHER <font style="letter-spacing:-0.3pt;">APPLICABLE EXEMPTION OR ITS PURCHASE AND HOLDING OF THIS SECURITY, OR </font>ANY INTEREST HEREIN, ARE NOT PROHIBITED BY SECTION 406 OF ERISA OR SECTION 4975 OF THE CODE WITH RESPECT TO SUCH PURCHASE AND HOLDING. ANY PURCHASER OR HOLDER OF THIS SECURITY OR ANY INTEREST HEREIN WILL <font style="letter-spacing:-0.2pt;">BE DEEMED TO HAVE REPRESENTED BY ITS PURCHASE AND HOLDING THEREOF </font><font style="letter-spacing:-0.05pt;">THAT EITHER (i) IT IS NOT AN EMPLOYEE BENEFIT PLAN OR OTHER PLAN TO </font>WHICH TITLE I OF ERISA OR SECTION 4975 OF THE CODE IS APPLICABLE, A <font style="letter-spacing:-0.05pt;">TRUSTEE OR OTHER PERSON ACTING ON BEHALF OF ANY SUCH EMPLOYEE </font>BENEFIT PLAN OR PLAN, OR ANY OTHER PERSON OR ENTITY USING THE &#8220;PLAN <font style="letter-spacing:-0.2pt;">ASSETS&#8221; OF ANY SUCH EMPLOYEE BENEFIT PLAN OR PLAN TO FINANCE SUCH </font>PURCHASE, OR (ii) SUCH PURCHASE OR HOLDING WILL NOT RESULT IN A PROHIBITED TRANSACTION UNDER SECTION 406 OF ERISA OR SECTION 4975 OF <font style="letter-spacing:-0.2pt;">THE CODE FOR WHICH FULL EXEMPTIVE RELIEF IS NOT AVAILABLE UNDER </font>APPLICABLE STATUTORY OR ADMINISTRATIVE EXEMPTION.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">ANY FIDUCIARY OF ANY PLAN WHO IS CONSIDERING THE ACQUISITION OF ANY OF THE SECURITIES SHOULD CONSULT WITH HIS OR HER LEGAL COUNSEL PRIOR TO ACQUIRING SUCH SECURITIES.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">No. [&#8226;]</font></p></td>
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<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:Times New Roman;font-size:12pt;">CUSIP/ISIN Accredited Investors: 317585 AC1 / US317585AC15</p></td></tr></table></div>
<p style="text-align:right;margin-bottom:12pt;margin-top:0pt;margin-left:11.54%;text-indent:-11.54%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CUSIP/ISIN QIBs: 317585 AB3 / US317585AB32</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;margin-left:11.54%;text-indent:-11.54%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;margin-left:11.54%;text-indent:-11.54%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.375% FIXED TO FLOATING RATE SUBORDINATED NOTE DUE OCTOBER 15, 2030</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-1.25pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Indenture; Holders</font>. This note is one of a duly authorized issue of notes of Financial Institutions, Inc., a New York <font style="letter-spacing:-0.3pt;">corporation (the &#8220;</font><font style="text-decoration:underline;letter-spacing:-0.3pt;">Company</font><font style="letter-spacing:-0.3pt;">&#8221;) designated as the &#8220;4.375% Fixed to Floating Rate </font>Subordinated Notes due 2030&#8221; (the &#8220;<font style="text-decoration:underline;">Subordinated Notes</font>&#8221;) in an aggregate principal amount of <font style="letter-spacing:-0.25pt;">$35 million</font> <font style="letter-spacing:-0.25pt;">and initially issued on October 7</font>, 2020<font style="letter-spacing:-0.25pt;">. The Company has issued this Subordinated </font><font style="letter-spacing:-0.15pt;">Note under that certain Indenture dated as of October 7</font>, 2020<font style="letter-spacing:-0.15pt;">, as the same may be amended or supplemented from time to time (&#8220;</font><font style="text-decoration:underline;letter-spacing:-0.15pt;">Indenture</font><font style="letter-spacing:-0.15pt;">&#8221;), between the Company and Wilmington Trust, National Association</font><font style="letter-spacing:-0.25pt;">, as Trustee. All capitalized terms not otherwise defined in this Subordinated Note </font>will have the meanings assigned to them in the Indenture. The terms of this Subordinated Note includes those stated in the Indenture and those made part of the Indenture by reference to the <font style="letter-spacing:-0.05pt;">Trust Indenture Act. This Subordinated Note is subject to all such terms, and the Holder (as </font>defined below) is referred to the Indenture and the Trust Indenture Act for a statement of such terms. To the extent any provision of this Subordinated Note irreconcilably conflicts with the <font style="letter-spacing:-0.25pt;">express provisions of the Indenture, the provisions of the Indenture will govern and be controlling.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:11.54%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Payment</font>.&nbsp;&nbsp;The Company, for value received, promises to pay to [&#8226;], or its registered assigns, the principal sum of [&#8226;] Dollars (U.S.) ($[&#8226;],000,000), plus accrued but unpaid interest on October 15, 2030 (the &#8220;<font style="text-decoration:underline;">Maturity Date</font>&#8221;) and to pay interest thereon (i) from and including the original issue date of the Subordinated Notes to but excluding October 15, 2025 or the earlier redemption date contemplated by <font style="text-decoration:underline;">Section 4</font> (Redemption) of this Subordinated Note (the &#8220;<font style="text-decoration:underline;">Fixed Rate Period</font>&#8221;), at the rate of 4.375% per annum, computed on the basis of a 360-day year consisting of twelve 30-day months and payable semi-annually in arrears on April 15 and October 15 of each year (each payment date, a &#8220;<font style="text-decoration:underline;">Fixed Interest Payment Date</font>&#8221;), beginning April 15, 2021, and (ii) from and including October 15, 2025 to but excluding the Maturity Date or earlier redemption date contemplated by <font style="text-decoration:underline;">Section 4</font> (Redemption) of this Subordinated Note (the &#8220;<font style="text-decoration:underline;">Floating Rate Period</font>&#8221;), at the rate per annum, reset quarterly, equal to the Floating Interest Rate (as defined below) determined on the Floating Interest Determination Date (as defined below) of the applicable interest period plus 426.5 basis points, computed on the basis of a 360-day year and the actual number of days elapsed and payable quarterly in arrears (each quarterly period a &#8220;<font style="text-decoration:underline;">Floating Interest Period</font>&#8221;) on January 15, April 15, July 15 and October 15 of each year (each payment date, a &#8220;<font style="text-decoration:underline;">Floating Interest Payment Date</font>&#8221;). Dollar amounts resulting from this calculation shall be rounded to the nearest cent, with one-half cent being rounded up.&nbsp;&nbsp;The term &#8220;<font style="text-decoration:underline;">Floating Interest Determination Date</font>&#8221; means the date upon which the Floating Interest Rate is determined by the Calculation Agent pursuant to the Three-Month Term SOFR Conventions.&nbsp;&nbsp;Notwithstanding anything to the contrary, (i) in the event the Three-Month Term SOFR (as defined below) is less than zero, the Three-Month Term SOFR shall be deemed to be zero, and (ii) if a Benchmark Transition Event (as defined below) and its related Benchmark Replacement Date (as defined below) have occurred and the Benchmark Replacement (as defined below) is less than zero, then the Benchmark Replacement shall be deemed to be zero.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU94"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)</font><font style="margin-left:36pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">An &#8220;</font><font style="text-decoration:underline;">Interest Payment Date</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; is either a Fixed Interest Payment Date or a Floating Interest Payment Date, as applicable. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:36pt;"></font>The &#8220;<font style="text-decoration:underline;">Floating Interest Rate</font>&#8221; means:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:108pt;"></font>initially Three-Month Term SOFR (as defined below).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:108pt;"></font>Notwithstanding the foregoing <font style="text-decoration:underline;">clause (i)</font> of this <font style="text-decoration:underline;">Section 2(b)</font>:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>If the Calculation Agent determines prior to the relevant Floating Interest Determination Date that a Benchmark Transition Event and its related Benchmark Replacement Date (each of such terms as defined below) have occurred with respect to Three-Month Term SOFR, then the Company shall promptly provide notice of such determination to the Holders and <font style="text-decoration:underline;">Section 2(c)</font> (Effect of Benchmark Transition Event) will thereafter apply to all determinations, calculations and quotations made or obtained for the purposes of calculating the Floating Interest Rate payable on the Subordinated Notes during a relevant Floating Interest Period. </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>However, if the Calculation Agent, determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR, but for any reason the Benchmark Replacement has not been determined as of the relevant Floating Interest Determination Date, the Floating Interest Rate for the applicable Floating Interest Period will be equal to the Floating Interest Rate on the last Floating Interest Determination Date for the Subordinated Notes, as determined by the Calculation Agent (as defined below).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iii)<font style="margin-left:108pt;"></font>If the then-current Benchmark (as defined below) is Three-Month Term SOFR and any of the foregoing provisions concerning the calculation of the interest rate and the payment of interest during the Floating Rate Period are inconsistent with any of the Three-Month Term SOFR Conventions (as defined below) determined by the Company, then the relevant Three-Month Term SOFR Conventions (as defined below) will apply.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Effect of Benchmark Transition Event</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)<font style="margin-left:108pt;"></font>If the Calculation Agent determines that a Benchmark Transition Event and its related Benchmark Replacement Date have occurred prior to the Reference Time (as defined below) in respect of any determination of the Benchmark (as defined below) on any date, the Benchmark Replacement will replace the then-current Benchmark for all purposes relating to the Subordinated Notes during the relevant Floating Interest Period in respect of such determination on such date and all determinations on all subsequent dates.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(ii)<font style="margin-left:108pt;"></font>In connection with the implementation of a Benchmark Replacement, the Company will have the right to make Benchmark Replacement Conforming Changes from time to time, and such changes shall become effective without consent from the relevant Holders or any other party.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU95"></a>(iii)<font style="margin-left:108pt;"></font>Any determination, decision or election that may be made by the Company or by the Calculation Agent pursuant to the benchmark transition provisions set forth </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">2</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">herein, including any determination with respect to a tenor, rate or adjustment or of the occurrence or non-occurrence of an event, circumstance or date, and any decision to take or refrain from taking any action or any selection:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>will be conclusive and binding absent manifest error;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>if made by the Company, will be made in the Company&#8217;s sole discretion; </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:144pt;"></font>if made by the Calculation Agent, will be made after consultation with the Company, and the Calculation Agent will not make any such determination, decision or election to which the Company reasonably objects; and</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:144pt;"></font>notwithstanding anything to the contrary in this Subordinated Note or the Purchase Agreement, shall become effective without consent from the relevant Holders or any other party.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iv)<font style="margin-left:108pt;"></font>For the avoidance of doubt, after a Benchmark Transition Event and its related Benchmark Replacement Date have occurred, interest payable on this Subordinated Note for the Floating Rate Period will be an annual rate equal to the sum of the applicable Benchmark Replacement and the spread specified on the face hereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:23.08%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk51342760"></a>(v)<font style="margin-left:108pt;"></font>As used in this Subordinated Note:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(1)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark</font>&#8221; means, initially, Three-Month Term SOFR; provided that if a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR or the then-current Benchmark, then &#8220;<font style="text-decoration:underline;">Benchmark</font>&#8221; means the applicable Benchmark Replacement.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(2)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement</font>&#8221; means the Interpolated Benchmark with respect to the then-current Benchmark; provided that if (a) the Calculation Agent cannot determine the Interpolated Benchmark as of the Benchmark Replacement Date or (b) the then-current Benchmark is Three-Month Term SOFR and a Benchmark Transition Event and its related Benchmark Replacement Date have occurred with respect to Three-Month Term SOFR (in which event no Interpolated Benchmark with respect to Three-Month Term SOFR shall be determined), then &#8220;<font style="text-decoration:underline;">Benchmark Replacement</font>&#8221; means the first alternative set forth in the order below that can be determined by the&nbsp;&nbsp;Calculation Agent, as of the Benchmark Replacement Date:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>The sum of (i) Compounded SOFR and (ii) the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the alternate rate of interest that has been selected or recommended by the Relevant Governmental Body as the replacement for the then-current Benchmark for the applicable Corresponding Tenor and (ii)&#160;the Benchmark Replacement Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>the sum of: (i)&#160;the ISDA Fallback Rate and (ii)&#160;the Benchmark Replacement Adjustment;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU96"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">d.</font><font style="margin-left:180pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the sum of: (i)&#160;the alternate rate of interest that has been selected by the Company as the replacement for the then-current Benchmark for the applicable Corresponding Tenor giving due consideration to any industry-accepted rate of interest as a replacement for the then-current Benchmark for U.S. dollar denominated floating rate notes at such time and (ii)&#160;the Benchmark Replacement Adjustment.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(3)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Adjustment</font>&#8221; means the first alternative set forth in the order below that can be determined by the Calculation Agent, as of the Benchmark Replacement Date:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>the spread adjustment, or method for calculating or determining such spread adjustment, (which may be a positive or negative value or zero) that has been selected or recommended by the Relevant Governmental Body for the applicable Unadjusted Benchmark Replacement;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>if the applicable Unadjusted Benchmark Replacement is equivalent to the ISDA Fallback Rate, then the ISDA Fallback Adjustment;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>the spread adjustment (which may be a positive or negative value or zero) that has been selected by the Company giving due consideration to any industry-accepted spread adjustment, or method for calculating or determining such spread adjustment, for the replacement of the then-current Benchmark with the applicable Unadjusted Benchmark Replacement for U.S. dollar denominated floating rate notes at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(4)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Conforming Changes</font>&#8221; means, with respect to any Benchmark Replacement, any technical, administrative or operational changes (including changes to the definition of &#8220;<font style="text-decoration:underline;">Floating Interest Period</font>,&#8221; timing and frequency of determining rates with respect to each Floating Interest Period and making payments of interest, rounding of amounts or tenors and other administrative matters) that the Company decides may be appropriate to reflect the adoption of such Benchmark Replacement in a manner substantially consistent with market practice (or, if the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Company determines that no market practice for use of the Benchmark Replacement exists, in such other manner as the Company determines is reasonably necessary).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(5)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Replacement Date</font>&#8221; means the earliest to occur of the following events with respect to the then-current Benchmark:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>in the case of clause (a) of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the relevant Reference Time in respect of any determination;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>in the case of <font style="text-decoration:underline;">clause (b)</font>&#160;or <font style="text-decoration:underline;">(c)</font> of the definition of &#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>,&#8221; the later of (i)&#160;the date of the public statement or publication of information referenced therein and (ii)&#160;the date on which the administrator of the Benchmark permanently or indefinitely ceases to provide the Benchmark; or</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU97"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.</font><font style="margin-left:180pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">in the case of </font><font style="text-decoration:underline;">clause (d)</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> of the definition of &#8220;</font><font style="text-decoration:underline;">Benchmark Transition Event</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,&#8221; the date of such public statement or publication of information referenced therein.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the avoidance of doubt, if the event giving rise to the Benchmark Replacement Date occurs on the same day as, but earlier than, the Reference Time in respect of any determination, the Benchmark Replacement Date will be deemed to have occurred prior to the Reference Time for purposes of such determination.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(6)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Benchmark Transition Event</font>&#8221; means the occurrence of one or more of the following events with respect to the then-current Benchmark:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.<font style="margin-left:180pt;"></font>if the Benchmark is Three-Month Term SOFR, (i) the Relevant Governmental Body has not selected or recommended a forward-looking term rate for a tenor of three months based on SOFR, (ii) the development of a forward-looking term rate for a tenor of three months based on SOFR that has been recommended or selected by the Relevant Governmental Body is not complete or (iii) the Company determines that the use of a forward-looking rate for a tenor of three months based on SOFR is not administratively feasible;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>a public statement or publication of information by or on behalf of the administrator of the Benchmark announcing that such administrator has ceased or will cease to provide the Benchmark, permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">c.<font style="margin-left:180pt;"></font>a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark, the central bank for the currency of the Benchmark, an insolvency official with jurisdiction over the administrator for the Benchmark, a resolution authority with jurisdiction over the administrator for the Benchmark or a court or an entity with similar insolvency or resolution authority over the administrator for the Benchmark, which states that the administrator of the Benchmark has ceased or will cease to provide the Benchmark permanently or indefinitely, provided that, at the time of such statement or publication, there is no successor administrator that will continue to provide the Benchmark; or</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">d.<font style="margin-left:180pt;"></font>a public statement or publication of information by the regulatory supervisor for the administrator of the Benchmark announcing that the Benchmark is no longer representative.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(7)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Calculation Agent</font>&#8221; means such bank or other entity (which may be the Company or an affiliate of the Company but shall not be the Trustee without the Trustee&#8217;s express written consent) as may be appointed by the Company to act as Calculation Agent for the Subordinated Notes during the Floating Rate Period.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(8)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Compounded SOFR</font>&#8221; means the compounded average of SOFRs for the applicable Corresponding Tenor, with the rate, or methodology for this rate, and conventions for this rate being established by the Company or its designee in accordance with:</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU98"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">a.</font><font style="margin-left:180pt;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the rate, or methodology for this rate, and conventions for this rate selected or recommended by the Relevant Governmental Body for determining compounded SOFR; </font><font style="font-style:italic;">provided</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> that:</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:38.46%;text-indent:38.46%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">b.<font style="margin-left:180pt;"></font>if, and to the extent that, the Company or its designee determines that Compounded SOFR cannot be determined in accordance with <font style="text-decoration:underline;">clause (a)</font>&#160;above, then the rate, or methodology for this rate, and conventions for this rate that have been selected by the Company or its designee giving due consideration to any industry-accepted market practice for U.S. dollar denominated floating rate notes at such time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For the avoidance of doubt, the calculation of Compounded SOFR will exclude the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(9)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Corresponding Tenor</font>&#8221; with respect to a Benchmark Replacement means a tenor (including overnight) having approximately the same length (disregarding Business Day adjustment) as the applicable tenor for the then-current Benchmark.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(10)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">FRBNY</font>&#8221; means the Federal Reserve Bank of New York.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(11)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">FRBNY&#8217;s Website</font>&#8221; means the website of the FRBNY at http://www.newyorkfed.org, or any successor source.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(12)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Interpolated Benchmark</font>&#8221; with respect to the Benchmark means the rate determined for the Corresponding Tenor by interpolating on a linear basis between: (1)&#160;the Benchmark for the longest period (for which the Benchmark is available) that is shorter than the Corresponding Tenor and (2)&#160;the Benchmark for the shortest period (for which the Benchmark is available) that is longer than the Corresponding Tenor.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(13)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA</font>&#8221; means the International Swaps and Derivatives Association, Inc. or any successor thereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(14)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Definitions</font>&#8221; means the 2006 ISDA Definitions published by the ISDA or any successor thereto, as amended or supplemented from time to time, or any successor definitional booklet for interest rate derivatives published from time to time.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(15)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Fallback Adjustment</font>&#8221; means the spread adjustment (which may be a positive or negative value or zero) that would apply for derivatives transactions referencing the ISDA Definitions to be determined upon the occurrence of an index cessation event with respect to the Benchmark for the applicable tenor.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(16)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">ISDA Fallback Rate</font>&#8221; means the rate that would apply for derivatives transactions referencing the ISDA Definitions to be effective upon the occurrence of an index cessation date with respect to the Benchmark for the applicable tenor excluding the applicable ISDA Fallback Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU99"></a>(17)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Reference Time</font>&#8221; with respect to any determination of a Benchmark means (1) if the Benchmark is Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions, and (2) if the </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Benchmark is not Three-Month Term SOFR, the time determined by the Calculation Agent after giving effect to the Benchmark Replacement Conforming Changes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(18)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Relevant Governmental Body</font>&#8221; means the Board of Governors of the Federal Reserve System (the &#8220;<font style="text-decoration:underline;">Federal Reserve</font>&#8221;) and/or the FRBNY, or a committee officially endorsed or convened by the Federal Reserve and/or the FRBNY or any successor thereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(19)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">SOFR</font>&#8221; means the daily Secured Overnight Financing Rate provided by the FRBNY, as the administrator of the benchmark (or a successor administrator), on the FRBNY&#8217;s Website.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(20)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Term SOFR</font>&#8221; means the forward-looking term rate for the Corresponding Tenor based on SOFR that has been selected or recommended by the Relevant Governmental Body.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(21)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Term SOFR Administrator</font>&#8221; means any entity designated by the Relevant Governmental Body as the administrator of Term SOFR (or a successor administrator).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(22)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Three-Month Term SOFR</font>&#8221; means the rate for Term SOFR for a tenor of three months that is published by the Term SOFR Administrator at the Reference Time for any Floating Interest Period, as determined by the Calculation Agent after giving effect to the Three-Month Term SOFR Conventions.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(23)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Three-Month Term SOFR Conventions</font>&#8221; means any determination, decision or election with respect to any technical, administrative or operational matter (including with respect to the manner and timing of the publication of Three-Month Term SOFR, or changes to the definition of &#8220;Floating Interest Period&#8221;, timing and frequency of determining Three-Month Term SOFR with respect to each Floating Interest Period and making payments of interest, rounding of amounts or tenors, and other administrative matters) that the Company decides may be appropriate to reflect the use of Three-Month Term SOFR as the Benchmark in a manner substantially consistent with market practice (or, if the Company decides that adoption of any portion of such market practice is not administratively feasible or if the Company determines that no market practice for the use of Three-Month Term SOFR exists, in such other manner as the Company determines is reasonably necessary).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:30.77%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(24)<font style="margin-left:144pt;"></font>&#8220;<font style="text-decoration:underline;">Unadjusted Benchmark Replacement</font>&#8221; means the Benchmark Replacement excluding the Benchmark Replacement Adjustment.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU100"></a>(d)<font style="margin-left:36pt;"></font>In the event that any Fixed Interest Payment Date during the Fixed Rate Period falls on a day that is not a Business Day (as defined below), the interest payment due on that date shall be postponed to the next day that is a Business Day and no additional interest shall accrue as a result of that postponement. In the event that any Floating Interest Payment Date during the Floating Rate Period falls on a day that is not a Business Day (as defined below), the interest payment due on that date shall be postponed to the next day that is a Business Day and interest shall accrue to but excluding the date interest is paid. However, if the postponement would cause the day to fall in the next calendar month during the Floating Interest Period, the Floating Interest </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Payment Date shall instead be brought forward to the immediately preceding Business Day.</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> The term &#8220;Business Day&#8221; means any day other than a Saturday or Sunday or any other day on which banking institutions in the State of New York are generally authorized or required by law or executive order to be closed</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company will pay interest on this Subordinated Note to the Person who is the registered Holder at the close of business on the first calendar day of the month in which the <font style="letter-spacing:-0.15pt;">Interest Payment Date occurs, except as provided in Section 210 of the Indenture with respect to </font><font style="letter-spacing:-0.25pt;">Defaulted Interest. This Subordinated Note will be payable as to principal and interest at the office or agency of the Paying Agent, or, at the option of the Company, payment of interest may be made </font><font style="letter-spacing:-0.2pt;">by check delivered to the Holder at its address set forth in the Subordinated Note Register or by wire </font><font style="letter-spacing:-0.15pt;">transfer to an account appropriately designated by the Person entitled to payment; </font><font style="font-style:italic;letter-spacing:-0.15pt;">provided, </font><font style="letter-spacing:-0.15pt;">that </font><font style="letter-spacing:-0.05pt;">the Paying Agent will have received written notice of such account designation at least five </font>Business Days prior to the date of such payment (subject to surrender of this Subordinated Note in the case of a payment of interest at Maturity).</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:11.54%;letter-spacing:-0.4pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">3.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.35pt;">Paying</font><font style="text-decoration:underline;"> Agent and Registrar</font>. Wilmington Trust, National Association, the Trustee <font style="letter-spacing:-0.05pt;">(&#8220;Trustee&#8221;) under the Indenture, will act as the initial Paying Agent and Registrar through its </font>offices presently located at 1100 North Market Street, Wilmington, Delaware 19890.&nbsp;&nbsp;The Company <font style="letter-spacing:-0.2pt;">may change any Paying Agent or Registrar without notice to any Holder. The Company or any of </font>its Subsidiaries may act in any such capacity.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.4pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">4.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Subordination</font>. The indebtedness of the Company evidenced by this Subordinated Note, including the principal thereof and interest thereon, is, to the extent and in the manner set forth in the Indenture, subordinate and junior in right of payment to obligations of the Company constituting the Senior Indebtedness (as defined in the Indenture) on the terms and subject to the terms and conditions as provided and set forth in Article XI of the Indenture and will rank pari passu in right of payment with all other Subordinated Notes. Holder, by the acceptance of this Subordinated Note, agrees to and will be bound by such provisions of the Indenture and authorizes and directs the Trustee on his behalf to take such actions as may be necessary or appropriate to effectuate the subordination so provided.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.4pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">5.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Redemption</font>. The Company may, at any time or from time to time on or after October 15, 2025, redeem this Subordinated Note, in whole or in part, without premium or penalty, but in all cases in a principal amount with integral multiples of $1,000. In addition, the Company may redeem all, but not a portion of the Subordinated Notes, at any time upon the occurrence of a Tier 2 Capital Event, Tax Event or an Investment Company Event. Any redemption with respect to this Subordinated Note will be subject to any required regulatory approvals. This Subordinated Note is not subject to redemption at the option of the Holder. The Redemption Price with respect to any redemption permitted under this Indenture will be equal to 100% of the principal amount of this Subordinated Note, or portion thereof, to be redeemed, plus accrued but unpaid interest and Additional Interest, if any, thereon to, but excluding, the Redemption Date.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU101"></a>If all or any portion of the Subordinated Notes ceases to be deemed to be Tier 2 Capital, other than due to the limitation imposed on the capital treatment of subordinated debt during the five (5) years immediately preceding the Maturity Date of the Subordinated Notes, Company will immediately notify the Trustee and the Holders, and thereafter Company shall request, subject to the terms hereof, that the Trustee and the Holders execute and deliver all agreements as reasonably necessary in order to restructure the applicable portions of the obligations evidenced by the Subordinated Notes to qualify </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.2pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">as Tier 2 Capital</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">; provided, however, that the foregoing shall not limit the Company&#8217;s right to redeem the Subordinated Notes upon the occurrence of a Tier 2 Capital Event.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-family:inherit;font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">If less than the then outstanding principal amount of this Subordinated Note is redeemed, (i) a new note shall be issued representing the unredeemed portion without charge to the Holder thereof and (ii) such redemption shall be effected on a pro rata basis as to the Holder, and if the Subordinated Notes are represented by Global Subordinated Notes held by DTC and such redemption is processed through DTC, such redemption will be made on a &#8220;Pro Rata Pass-Through Distribution of Principal&#8221; basis in accordance with the procedures of DTC. In the event a pro rata redemption as provided in the preceding sentence is not permitted under applicable law or applicable requirements of DTC, the Subordinated Notes to be redeemed will be selected by lot or such method as the Trustee will deem fair and appropriate.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">6.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.4pt;">Events of Default; Acceleration</font><font style="letter-spacing:-0.4pt;">. An &#8220;Event of Default&#8221; means any one of the events described in Section 401 of the Indenture. If an Event of Default described in Section 401(1) or Section 401(2) of the Indenture occurs, then the principal amount of all of the Outstanding Subordinated Notes, and accrued and unpaid interest, if any, on all Outstanding Subordinated Notes will become and be immediately due and payable without any declaration or other act on the part of the Trustee or the Holder, and the Company waives demand, presentment for payment, notice of nonpayment, notice of protest, and all other notices. Notwithstanding the foregoing, because the Company will treat the Subordinated Notes as Tier 2 Capital, upon the occurrence of an Event of Default other than an Event of Default described in Section 401(1) or Section 401(2) of the Indenture, neither the Trustee nor the Holder may accelerate the Maturity of the Subordinated Notes and make the principal of, and any accrued and unpaid interest on, the Subordinated Notes, immediately due and payable. If any Event of Default occurs and is continuing, the Trustee may also pursue any other available remedy to collect the payment of principal of, and interest on, the Subordinated Notes or to enforce the performance</font> of any provision of the Subordinated Notes or the Indenture.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">7.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;letter-spacing:-0.15pt;">Failure to Make Payments</font><font style="letter-spacing:-0.15pt;">. If the Company fails to make any payment of interest </font><font style="letter-spacing:-0.25pt;">on this Subordinated Note </font><font style="letter-spacing:-0.3pt;">when</font><font style="letter-spacing:-0.25pt;"> such interest becomes due and payable and such default continues </font><font style="letter-spacing:-0.05pt;">for a period of 30 days, or if the Company fails to make any payment of the principal of this Subordinated Note when such principal becomes due and payable, the Company will, upon </font>demand of the Trustee, pay to the Trustee, for the benefit of the Holder, the whole amount then <font style="letter-spacing:-0.2pt;">due and payable with respect to this Subordinated Note, with interest upon the overdue principal, </font><font style="letter-spacing:-0.15pt;">any premium and, to the extent permitted by applicable law, upon any overdue installments of </font><font style="letter-spacing:-0.05pt;">interest at the rate or respective rates, as the case may be, provided for or with respect to this </font><font style="letter-spacing:-0.2pt;">Subordinated Note or, if no such rate or rates are so provided, at the rate or respective rates, as the </font>case may be, of interest borne by this Subordinated Note.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU102"></a>Upon an Event of Default<font style="letter-spacing:-0.25pt;">, the Company may not declare or pay any dividends </font><font style="letter-spacing:-0.15pt;">or distributions on, or redeem, purchase, acquire, or make a liquidation payment with respect to, </font><font style="letter-spacing:-0.2pt;">any of the Company&#8217;s capital stock, make any payment of principal or interest or premium, if any, </font>on or repay, repurchase or redeem any debt securities of the Company that rank equal with or <font style="letter-spacing:-0.2pt;">junior to this Subordinated Note, or make any payments under any guarantee that ranks equal with </font>or junior to this Subordinated Note, other than: (i) any dividends or distributions in shares of, or <font style="letter-spacing:-0.25pt;">options, warrants or rights to subscribe for or purchase shares of, any class of Company&#8217;s common </font><font style="letter-spacing:-0.15pt;">stock; (ii) any declaration of a dividend in connection with the implementation of a shareholders&#8217; </font>rights plan, or the issuance of </p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">stock under any such plan in the future, or the redemption or </font><font style="letter-spacing:-0.15pt;">repurchase of any such rights pursuant thereto; (iii) as a result of a reclassification of Company&#8217;s </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">capital stock or the exchange or conversion of one class or series of Company&#8217;s capital stock for </font><font style="letter-spacing:-0.25pt;">another class or series of Company&#8217;s capital stock; (iv) the purchase of fractional interests in shares </font><font style="letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">of Company&#8217;s capital stock in accordance with the conversion or exchange provisions of such </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">capital stock or the security being converted or exchanged; or (v) purchases of any class of </font><font style="letter-spacing:-0.15pt;">Company&#8217;s common stock related to the issuance of common stock or rights under any of benefit </font><font style="letter-spacing:-0.2pt;">plans for Company&#8217;s directors, officers or employees or any of Company&#8217;s dividend reinvestment </font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">plans.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">8.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Denominations, Transfer, Exchange</font>.&nbsp;&nbsp;The Subordinated Notes are issuable only in registered form without interest coupons in minimum denominations of $100,000 and integral multiples of $1,000 in excess thereof. The transfer of this Subordinated Note may be registered and this Subordinated Note may be exchanged as provided in the Indenture. The Registrar may require the Holder, among other things, to furnish appropriate endorsements and transfer documents and the Company may require the Holder to pay any taxes and fees required by law or permitted by the Indenture.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">9.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Charges and Transfer Taxes</font>.&nbsp;&nbsp;No service charge will be made for any registration of transfer or exchange of this Subordinated Note, or any redemption or repayment of this Subordinated Note, or any conversion or exchange of this Subordinated Note for other types of securities or property, but the Company may require payment of a sum sufficient to pay all taxes, assessments or other governmental charges that may be imposed in connection with the transfer or exchange of this Subordinated Note from the Holder requesting such transfer or exchange.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Persons Deemed Owners</font>.&nbsp;&nbsp;The Company and the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Subordinated Note is registered as the owner hereof for all purposes, whether or not this Subordinated Note is overdue, and neither the Company, the Trustee nor any such agent will be affected by notice to the contrary.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.65pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Amendments; </font><font style="text-decoration:underline;letter-spacing:-0.25pt;">Waivers</font><font style="letter-spacing:-0.25pt;">.&nbsp;&nbsp;</font><font style="letter-spacing:-0.15pt;">The Indenture permits, with certain exceptions as therein </font>provided, the amendment thereof and the modification of the rights and obligations of the <font style="letter-spacing:-0.25pt;">Company and the rights of the </font><font style="letter-spacing:-0.35pt;">Holders</font><font style="letter-spacing:-0.25pt;"> of the Subordinated Notes at any time by the Company and </font>the Trustee with the consent of the holders of a majority in principal amount of the then <font style="letter-spacing:-0.15pt;">Outstanding Subordinated Notes. The Indenture also contains provisions permitting the holders </font><font style="letter-spacing:-0.05pt;">of specified percentages in principal amount of the then Outstanding Subordinated Notes, on </font><font style="letter-spacing:-0.2pt;">behalf of the holders of all Subordinated Notes, to waive certain past defaults under the Indenture and their consequences. Any such consent or waiver by the Holder of this Subordinated Note will be conclusive and binding upon such Holder and upon all future holders of this Subordinated Note </font><font style="letter-spacing:-0.25pt;">and of any Subordinated Note issued upon the registration of transfer hereof or in exchange herefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Subordinated </font>Note.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">No Impairment</font>. No reference herein to the Indenture and no provision of this Subordinated Note or of the Indenture will alter or impair the obligation of the Company, which is absolute and unconditional, to pay the principal of and interest (if any) and Additional Interest on this Subordinated Note at the times, place and rate as herein prescribed.</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">10</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU103"></a><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">13.</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Sinking Fund; Convertibility</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">. This Subordinated Note is not entitled to the benefit of any sinking fund. This Subordinated Note is not convertible into or exchangeable for any of the equity securities, other securities or assets of the Company or any Subsidiary.</font></p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;letter-spacing:-0.75pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">14.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">No Recourse Against Others</font>. No recourse under or upon any obligation, covenant or agreement contained in the Indenture or in this Subordinated Note, or for any claim based thereon or otherwise in respect<font style="letter-spacing:-0.2pt;"> thereof, will be had against any past, present or future shareholder, </font><font style="letter-spacing:-0.15pt;">employee, officer, or director, as such, of the Company or of any predecessor or successor, either </font><font style="letter-spacing:-0.2pt;">directly or through the Company or any predecessor or successor, under any rule of law, statute or </font><font style="letter-spacing:-0.05pt;">constitutional provision or by the enforcement of any assessment or by any legal or equitable </font><font style="letter-spacing:-0.15pt;">proceeding or otherwise, all such liability being expressly waived and released by the acceptance </font>of this Subordinated Note by the Holder and as part of the consideration for the issuance of this Subordinated Note.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">15.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Authentication</font>.&nbsp;&nbsp;This Subordinated Note will not be valid until authenticated by the manual signature of the Trustee or an Authenticating Agent</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">16.<font style="margin-left:36pt;"></font>Abbreviations. Customary abbreviations may be used in the name of a Holder or <font style="letter-spacing:-0.15pt;">an assignee, such as: TEN COM (= tenants in common), TEN ENT (= tenants by the entireties), </font>JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= <font style="letter-spacing:-0.2pt;">custodian), and U/G/M/A (= Uniform Gifts to Minors Act). Additional abbreviations may also be </font>used though not in the above list.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">17.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Available</font><font style="text-decoration:underline;letter-spacing:-0.05pt;"> Information</font><font style="letter-spacing:-0.05pt;">.&nbsp;&nbsp;The Company will furnish to the Holder upon written </font>request and without charge a copy of the Indenture. Requests by Holder to the Company may be made to: Financial Institutions, Inc., 220 Liberty Street, Warsaw, New York 14569, Attn: General Counsel.</p>
<p style="Background-color:#FFFFFF;text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">18.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;">Governing</font><font style="text-decoration:underline;letter-spacing:-0.15pt;"> Law</font><font style="letter-spacing:-0.15pt;">.&nbsp;&nbsp;THIS SUBORDINATED NOTE WILL BE DEEMED TO BE A </font>CONTRACT MADE UNDER THE LAWS OF THE STATE OF NEW YORK AND WILL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAWS OF THE <font style="letter-spacing:-0.25pt;">STATE OF </font>NEW YORK<font style="letter-spacing:-0.25pt;"> WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES THEREOF.</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">11</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF, the undersigned has caused this Subordinated Note to be duly executed.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.3pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Dated: </p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:53.85%;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:52.78%;">By:<font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:52.78%;">Name:<font style="margin-left:247pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:52.78%;">Title:<font style="margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">TRUSTEE&#8217;S CERTIFICATE OF AUTHENTICATION</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This is one of the Subordinated Notes of Financial Institutions, Inc. referred to in the within-mentioned Indenture:</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WILMINGTON TRUST, NATIONAL ASSOCIATION</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">as Trustee</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By: <font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Authorized Signatory</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Dated:<font style="text-decoration:underline;margin-left:36pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">12</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;letter-spacing:-0.05pt;font-size:12pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">ASSIGNMENT FORM</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">To assign this Subordinated Note, fill in the form below: (I) or (we) assign and transfer this Subordinated Note to:</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:underline;"></font><font style="text-decoration:underline;margin-left:36pt;"></font>&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Print or type assignee&#8217;s name, address and zip code)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:underline;"></font><font style="text-decoration:underline;margin-left:36pt;"></font>&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Insert assignee&#8217;s social security or tax I.D. No.)</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">and irrevocably appoint _______________________ agent to transfer this Subordinated Note on <font style="letter-spacing:-0.15pt;">the books of the Company. The agent may substitute another to act for him.</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;text-indent:0%;letter-spacing:-0.3pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date:<font style="text-decoration:underline;margin-left:180pt;"></font><font style="margin-left:216pt;"></font><font style="letter-spacing:-0.25pt;">Your signature:</font><font style="text-decoration:underline;letter-spacing:-0.25pt;margin-left:180pt;"></font></p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Sign exactly as your name appears on the face of this Subordinated Note)</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Tax Identification No:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Signature Guarantee:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Signatures must be guaranteed by an eligible guarantor institution (banks, stockbroker&#8217;s, savings and loan associations and credit unions with membership in an approved signature guarantee medallion program), pursuant to Exchange Act Rule 17Ad-15).</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The undersigned certifies that it [is / is not] an Affiliate of the Company and that, to its <font style="letter-spacing:-0.15pt;">knowledge, the proposed transferee </font>[is / is not] <font style="letter-spacing:-0.15pt;">an Affiliate of the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with any transfer or exchange of this Subordinated Note occurring prior to the date that is one year after the later of the date of original issuance of this Subordinated Note and the last date, if any, on which this Subordinated Note was owned by the Company or any Affiliate of the Company, the undersigned confirms that this Subordinated Note is being:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">CHECK ONE BOX BELOW:</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(1)acquired for the undersigned&#8217;s own account, without transfer;</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(2)transferred to the Company;</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(3)transferred in accordance and in compliance with Rule 144A under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;);</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(4)transferred under an effective registration statement under the Securities Act;</p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(5)transferred in accordance with and in compliance with Regulation S under the Securities Act;</p></td></tr></table></div>
<p style="text-align:center;margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><a name="_AEIOULastRenderedPageBreakAEIOU104"></a><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;">(6)transferred to an institutional &#8220;accredited investor&#8221; (as defined in Rule 501(a)(1), (2), (3) or (7) under the Securities Act) or an &#8220;accredited investor&#8221; (as defined in Rule 501(a)(4) under the Securities Act), that has furnished a signed letter containing certain representation&#8217;s and agreements; or</font></p></td></tr></table></div>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';">&#9744;</font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font><font style="font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"></font></p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';font-size:12pt;"><font style="font-size:12pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;font-family:'Times New Roman';"></font><font style="font-family:Times New Roman;"></font></a>(7)transferred in accordance with another available exemption from the registration requirements of the Securities Act of 1933, as amended.</p></td></tr></table></div>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Unless one of the boxes is checked, the Paying Agent will refuse to register this Subordinated Note <font style="letter-spacing:-0.2pt;">in the name of any person other than the registered Holder thereof; provided, however, that if box </font>(5), (6) or (7) is checked, the Paying Agent may require, prior to registering any such transfer of <font style="letter-spacing:-0.05pt;">this Subordinated Note, in its sole discretion, such legal opinions, certifications and other </font>information as the Paying Agent may reasonably request to confirm that such transfer is being made pursuant to an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act such as the exemption provided by Rule 144 under such Act.</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Signature:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;margin-left:46.15%;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Signature Guarantee:<font style="text-decoration:underline;margin-left:463pt;"></font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(Signatures must be guaranteed by an eligible guarantor institution (banks, stockbroker&#8217;s, savings and loan associations and credit unions with membership in an approved signature guarantee medallion program), pursuant to Exchange Act Rule 17Ad-l5).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">TO BE COMPLETED BY PURCHASER IF BOX (1) OR (3) ABOVE IS CHECKED.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The undersigned represents and warrants that it is purchasing this Subordinated Note for its own account or an account with respect to which it exercises sole investment discretion and that it and any such account is a &#8220;qualified institutional buyer&#8221; within the meaning of Rule 144A under the Securities Act of 1933, as amended, and is aware that the sale to it is being made in reliance <font style="letter-spacing:-0.2pt;">on Rule 144A and acknowledges that it has received such information regarding the Issuer as the </font>undersigned has requested pursuant to Rule 144A or has determined not to request such information and that it is aware that the transferor is relying upon the undersigned&#8217;s foregoing representations in order to claim the exemption from registration provided by Rule 144A.</p>
<p style="margin-bottom:0pt;text-align:justify;margin-top:0pt;text-indent:0%;letter-spacing:-0.3pt;letter-spacing:-0.15pt;font-size:12pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Date:<font style="text-decoration:underline;margin-left:180pt;"></font><font style="margin-left:216pt;">S</font><font style="letter-spacing:-0.25pt;">ignature:</font><font style="text-decoration:underline;letter-spacing:-0.25pt;margin-left:180pt;"></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
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<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Exhibit 10.1</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;">SUBORDINATED NOTE PURCHASE AGREEMENT</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This SUBORDINATED NOTE PURCHASE AGREEMENT (this &#8220;<font style="text-decoration:underline;">Agreement</font>&#8221;) is dated as of October <font style="font-family:'Times New Roman';">&#55;&#44;</font> 2020, and is made by and among&nbsp;&nbsp;Financial Institutions, Inc., a New York corporation (the &#8220;<font style="text-decoration:underline;">Company</font>&#8221;), and the several purchasers of the Subordinated Notes (as defined herein) identified on the signature pages hereto (each a &#8220;<font style="text-decoration:underline;">Purchaser</font>&#8221; and collectively, the &#8220;<font style="text-decoration:underline;">Purchasers</font>&#8221;).</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">RECITALS</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS,<font style="font-weight:normal;"> the Company has requested that the Purchasers purchase from the Company up to $35.0 million in aggregate principal amount of Subordinated Notes, which aggregate amount is intended to qualify as Tier 2 Capital (as defined herein).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS, <font style="font-weight:normal;">the Company has engaged Piper Sandler &amp; Co., as its exclusive placement agent (&#8220;</font><font style="text-decoration:underline;font-weight:normal;">Placement Agent</font><font style="font-weight:normal;">&#8221;) for the offering of the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS, <font style="font-weight:normal;">each of the Purchasers is an institutional accredited investor as such term is defined in Rule 501(a)(1), (2), (3) or (7) of Regulation D (&#8220;</font><font style="text-decoration:underline;font-weight:normal;">Regulation D</font><font style="font-weight:normal;">&#8221;) promulgated under the Securities Act of 1933, as amended (the &#8220;</font><font style="text-decoration:underline;font-weight:normal;">Securities Act</font><font style="font-weight:normal;">&#8221;) or a QIB as such term is defined in Rule 144A(a)(1) promulgated under the Securities Act (&#8220;</font><font style="text-decoration:underline;font-weight:normal;">QIB</font><font style="font-weight:normal;">&#8221;).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS, <font style="font-weight:normal;">the offer and sale of the Subordinated Notes by the Company is being made in reliance upon the exemptions from registration available under Section 4(a)(2) of the Securities Act and Rule 506(b) of Regulation D promulgated under the Securities Act.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS, <font style="font-weight:normal;">each Purchaser is willing to purchase from the Company a Subordinated Note in the principal amount set forth on such Purchaser&#8217;s respective signature page hereto (the &#8220;</font><font style="text-decoration:underline;font-weight:normal;">Subordinated Note Amount</font><font style="font-weight:normal;">&#8221;) in accordance with the terms, subject to the conditions and in reliance on, the recitals, representations, warranties, covenants and agreements set forth herein and in the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">WHEREAS<font style="font-weight:normal;">, at Closing, the Company and the Purchasers shall execute and deliver a Registration Rights Agreement, substantially in the form attached hereto as </font><font style="text-decoration:underline;font-weight:normal;">Exhibit B</font><font style="font-weight:normal;">&nbsp;&nbsp;(the &#8220;</font><font style="text-decoration:underline;font-weight:normal;">Registration Rights Agreement</font><font style="font-weight:normal;">&#8221;), pursuant to which, among other things, the Company will agree to provide certain registration rights with respect to the Securities under the Securities Act and the rules and regulations promulgated thereunder and applicable state securities laws.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">NOW, THEREFORE,<font style="font-weight:normal;"> in consideration of the mutual covenants, conditions and agreements herein contained and other good and valuable consideration, the receipt of which is hereby acknowledged, the parties hereto hereby agree as follows:</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">AGREEMENT</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">1.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">DEFINITIONS</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;margin-left:0.96%;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">1.1<font style="margin-left:76pt;"></font><font style="text-decoration:underline;font-size:12pt;color:#000000;">Defined Terms</font><font style="text-decoration:underline;color:#000000;">.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;The following capitalized terms used in this Agreement and in the Subordinated Notes have the meanings defined or referenced below.&nbsp;&nbsp;Certain other capitalized terms used only in specific sections of this Agreement may be defined in such sections.  Terms used herein and not defined below shall have the meaning set forth in the Indenture.</font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU2"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="text-decoration:underline;">Affiliate(s)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means, with respect to any Person, such Person&#8217;s immediate family members, partners, members or parent and subsidiary corporations, and any other Person directly or indirectly controlling, controlled by, or under common control with said Person and their respective Affiliates.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Agreement&#8221;</font> has the meaning set forth in the preamble hereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Bank</font>&#8221; means Five Star Bank, a New York chartered bank, and wholly owned subsidiary of the Company.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Business</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Day</font>&#8221; means any day other than a Saturday, Sunday or any other day on which banking institutions in the State of New York are permitted or required by any applicable law or executive order to close; provided that banking institutions shall not be deemed to be authorized or obligated to be closed due to a &#8220;shelter in place,&#8221; &#8220;non-essential employee&#8221; or similar closure of physical branch locations at the direction of any governmental authority if such banking institutions&#8217; electronic funds transfer systems (including for wire transfers) are open for use by customers on such day.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Bylaws</font>&#8221; means the Bylaws of the Company, as in effect on the Closing Date.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Charter</font>&#8221; means the Certificate of Incorporation of the Company, as in effect on the Closing Date. </p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Closing</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 2.5</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Closing</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Date</font>&#8221; means October 7, 2020</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Company</font>&#8221; has the meaning set forth in the preamble hereto and shall include any successors to the Company.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Company Covered Person</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 4.2.4</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Company&#8217;s</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Reports</font>&#8221; means (i) the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2019 as filed with the SEC, including the audited financial statements contained therein; (ii) the Company&#8217;s Quarterly Report on Form 10-Q for the quarter ended June 30, 2020, as filed with the SEC, including the unaudited financial statements contained therein, and (iii) the Company&#8217;s public reports for the year ended December 31, 2019 and the period ended June 30, 2020, as filed with the FRB as required by regulations of the FRB.&nbsp;&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Disbursement</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 3.1</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Disqualification Event</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 4.2.4</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">DTC</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 3.1</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Equity</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Interest</font>&#8221; means any and all shares, interests, participations or other equivalents (however designated) of capital stock of a corporation, any and all equivalent ownership interests in a Person which is not a corporation, and any and all warrants, options or other rights to purchase any of the foregoing.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Event</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">of</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Default</font>&#8221; has the meaning set forth in the Subordinated Notes.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Exchange Act</font>&#8221; means the Securities Exchange Act of 1934, as amended.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">FDIC</font>&#8221; means the Federal Deposit Insurance Corporation.</p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">2</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU3"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="text-decoration:underline;">FRB</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; mean</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">s</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> the Board of Governors of the Federal Reserve System.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">GAAP</font>&#8221; means generally accepted accounting principles in effect from time to time in the United States of America.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Global Note</font>&#8221;&nbsp;&nbsp;has the meaning set forth in <font style="text-decoration:underline;">Section 3.1</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Governmental</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Agency(ies)</font>&#8221; means, individually or collectively, any federal, state, county or local governmental department, commission, board, regulatory authority or agency (including, without limitation, each applicable Regulatory Agency) with jurisdiction over the Company or a Subsidiary of the Company.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Governmental</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Licenses</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 4.3</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Hazardous</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Materials</font>&#8221; means flammable explosives, asbestos, urea formaldehyde insulation, polychlorinated biphenyls, radioactive materials, hazardous wastes, toxic or contaminated substances or similar materials, including, without limitation, any substances which are &#8220;hazardous substances,&#8221; &#8220;hazardous wastes,&#8221; &#8220;hazardous materials&#8221; or &#8220;toxic substances&#8221; under the Hazardous Materials Laws and/or other applicable environmental laws, ordinances or regulations.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Hazardous</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Materials</font><font style="font-weight:bold;text-decoration:underline;"> </font><font style="text-decoration:underline;">Laws</font>&#8221; mean any laws, regulations, permits, licenses or requirements pertaining to the protection, preservation, conservation or regulation of the environment which relates to real property, including:&nbsp;&nbsp;the Clean Air Act, as amended, 42 U.S.C. Section 7401 et seq.; the Federal Water Pollution Control Act, as amended, 33 U.S.C. Section 1251 et seq.; the Resource Conservation and Recovery Act of 1976, as amended, 42 U.S.C. Section 6901 et seq.; the Comprehensive Environmental Response, Compensation and Liability Act of 1980, as amended (including the Superfund Amendments and Reauthorization Act of 1986), 42 U.S.C. Section 9601 et seq.; the Toxic Substances Control Act, as amended, 15 U.S.C. Section 2601 et seq.; the Occupational Safety and Health Act, as amended, 29 U.S.C. Section 651, the Emergency Planning and Community Right-to-Know Act of 1986, 42 U.S.C. Section 11001 et seq.; the Mine Safety and Health Act of 1977, as amended, 30 U.S.C. Section 801 et seq.; the Safe Drinking Water Act, 42 U.S.C. Section 300f et seq.; and all comparable state and local laws, laws of other jurisdictions or orders and regulations.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Indebtedness</font>&#8221; means:&nbsp;&nbsp;(i) all items arising from the borrowing of money that, according to GAAP as in effect from time to time, would be included in determining total liabilities as shown on the consolidated balance sheet of the Company; and (ii) all obligations secured by any lien in property owned by the Company or any Subsidiary whether or not such obligations shall have been assumed; <font style="font-style:italic;">provided</font>, <font style="font-style:italic;">however</font>, Indebtedness shall not include deposits or other indebtedness created, incurred or maintained in the ordinary course of the Company&#8217;s or the Bank&#8217;s business (including, without limitation, federal funds purchased, advances from any Federal Home Loan Bank, secured deposits of municipalities, letters of credit issued by the Company or the Bank and repurchase arrangements) and consistent with customary banking practices and applicable laws and regulations.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_cp_text_1_8"></a><a name="_cp_text_4_9"></a><a name="_cp_text_1_10"></a>&#8220;<font style="text-decoration:underline;">Indenture</font>&#8221; means the indenture, dated as of the date hereof, by and between the Company and Wilmington Trust, N.A., as trustee, substantially in the form attached hereto as <font style="text-decoration:underline;">Exhibit A</font>, as the same may be amended or supplemented from time to time<a name="_cp_text_4_9"></a> <a name="_cp_text_1_10"></a>in accordance with the terms thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Leases</font>&#8221; means all leases, licenses or other documents providing for the use or occupancy of any portion of any Property, including all amendments, extensions, renewals, supplements, modifications, sublets and assignments thereof and all separate letters or separate agreements relating thereto.</p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">3</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU4"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="text-decoration:underline;">Material Adverse Effect</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means, with respect to any Person, any change or effect that (i) is or would be reasonably likely to be material and adverse to the financial condition, results of operations or business of such Person</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> and its Affiliates</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, or (ii) would materially impair the ability of such Person to perform its respective obligations under any of the Transaction Documents, or otherwise materially impede the consummation of the transactions contemplated hereby; </font><font style="font-style:italic;">provided</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, </font><font style="font-style:italic;">however</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, that &#8220;</font><font style="text-decoration:underline;">Material Adverse Effect</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; shall not be deemed to include the impact of (1) changes in banking and similar laws, rules or regulations of general applicability or interpretations thereof by Governmental Agencies, (2) changes in GAAP or regulatory accounting requirements applicable to financial institutions and their holding companies generally, (3) changes in general economic or capital market conditions affecting financial institutions or their market prices generally and not specifically related to the Company, the Bank or the Purchasers</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, (4) the effects of the COVID-19 pandemic that do not disproportionately affect the operations or business of the Company in comparison to other banking institutions with similar operations,</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (5) </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">direct effects of compliance with this Agreement on the operating performance of the Company, the Bank or the Purchasers, including expenses incurred by the Company, the Bank or the Purchasers in consummating the transactions contem</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">plated by this Agreement, and (6</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">) the effects of any action or omission taken by the Company with the prior written consent of the Purchasers, and vice versa, or as otherwise contemplated by this Agreement and the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Maturity Date</font>&#8221; means October 15, 2030.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Person</font>&#8221; means an individual, a corporation (whether or not for profit), a partnership, a limited liability company, a joint venture, an association, a trust, an unincorporated organization, a government or any department or agency thereof (including a Governmental Agency) or any other entity or organization.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Placement Agent</font>&#8221; has the meaning set forth in the Recitals.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Property</font>&#8221; means any real property owned or leased by the Company or any Affiliate or Subsidiary of the Company.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Purchaser</font>&#8221; or &#8220;<font style="text-decoration:underline;">Purchasers</font>&#8221; has the meaning set forth in the preamble hereto.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">QIB</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">the Recitals</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Registration Rights Agreement</font>&#8221; has the meaning set forth in the Recitals.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Regulation D</font>&#8221; has the meaning set forth in the Recitals.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Regulatory Agency</font>&#8221; means any federal or state agency charged with the supervision or regulation of depository institutions or holding companies of depository institutions, or engaged in the insurance of depository institution deposits, or any court, administrative agency or commission or other authority, body or agency having supervisory or regulatory authority with respect to the Company, the Bank or any of their Subsidiaries.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">SEC</font>&#8221; means the Securities and Exchange Commission.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Secondary Market Transaction</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 5.5</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Securities Act</font>&#8221; has the meaning set forth in the Recitals.</p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">4</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU5"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="text-decoration:underline;">Subordinated Note</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; means the Subordinated Note (or collectively, the &#8220;</font><font style="text-decoration:underline;">Subordinated Notes</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221;) in the form attached </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">as an exhibit to the Indenture,</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> as amended, restated, supplemented or modified from time to time, and each Subordinated Note delivered in substitution or exchange for such Subordinated Note.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Subordinated Note Amount</font>&#8221; has the meaning set forth in the Recitals.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Subsidiary</font>&#8221; means with respect to any Person, any corporation or entity (other than a trust) in which a majority of the outstanding Equity Interest is directly or indirectly owned by such Person.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Tier 2 Capital</font>&#8221; has the meaning given to the term &#8220;Tier 2 capital&#8221; in 12 C.F.R. Part 217, as amended, modified and supplemented and in effect from time to time or any replacement thereof.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Tier 2 Capital Event</font>&#8221; has the meaning set forth in the Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Transaction Documents</font>&#8221; has the meaning set forth in <font style="text-decoration:underline;">Section 3.2.1.1</font>.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Trustee</font>&#8221; means the trustee or successor in accordance with the applicable provisions of the Indenture.</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">1.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Interpretations</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The foregoing definitions are equally applicable to both the singular and plural forms of the terms defined.&nbsp;&nbsp;The words &#8220;hereof&#8221;, &#8220;herein&#8221; and &#8220;hereunder&#8221; and words of like import when used in this Agreement shall refer to this Agreement as a whole and not to any particular provision of this Agreement.&nbsp;&nbsp;The word &#8220;including&#8221; when used in this Agreement without the phrase &#8220;without limitation,&#8221; shall mean &#8220;including, without limitation.&#8221; All references to time of day herein are references to Eastern Time unless otherwise specifically provided.&nbsp;&nbsp;All references to this Agreement, the Subordinated Notes and the Indenture shall be deemed to be to such documents as amended, modified or restated from time to time.&nbsp;&nbsp;With respect to any reference in this Agreement to any defined term, (i) if such defined term refers to a Person, then it shall also mean all heirs, legal representatives and permitted successors and assigns of such Person, and (ii) if such defined term refers to a document, instrument or agreement, then it shall also include any amendment, replacement, extension or other modification thereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">1.3<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Exhibits Incorporated</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;All Exhibits attached hereto are hereby incorporated into this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">SUBORDINATED DEBT</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.1<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Certain Terms</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Subject to the terms and conditions herein contained, the Company proposes to issue and sell to the Purchasers, severally and not jointly, Subordinated Notes, which will be issued pursuant to the Indenture, in an aggregate principal amount equal to the aggregate of the Subordinated Note Amounts.&nbsp;&nbsp;The Purchasers, severally and not jointly, each agree to purchase the Subordinated Notes, which will be issued pursuant to the Indenture, from the Company on the Closing Date in accordance with the terms of, and subject to the conditions and provisions set forth in, this Agreement, the Subordinated Notes and the Indenture.&nbsp;&nbsp;The Subordinated Note Amounts shall be disbursed in accordance with </font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Section 3.1</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Subordination</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Subordinated Notes shall be subordinated in accordance with the subordination provisions set forth therein.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU6"></a>2.3<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Maturity Date</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;On the Maturity Date, all sums due and owing under this Agreement and the Subordinated Notes shall be repaid in full.&nbsp;&nbsp;The Company acknowledges and agrees that the Purchasers have not made any commitments, either express or implied, to extend the terms of the Subordinated Notes </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">5</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">past their Maturity Date, and shall not extend such terms beyond the </font><font style="font-weight:normal;color:#000000;">Maturity Date unless the Company and the Purchasers hereafter specifically otherwise agree in writing.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.4<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Unsecured Obligations</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The obligations of the Company to the Purchasers under the Subordinated Notes shall be unsecured.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.5<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">The Closing</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;</font><font style="color:#000000;font-weight:normal;">The execution and delivery of the Transaction Documents (the &#8220;</font><font style="text-decoration:underline;color:#000000;font-weight:normal;">Closing</font><font style="color:#000000;font-weight:normal;">&#8221;) shall occur on the Closing Date at such place or time or on such other date as the parties hereto may agree</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.6<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Payments</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company agrees that matters concerning payments and application of payments shall be as set forth in this Agreement, the Indenture and the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.7<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Right of Offset</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Each Purchaser hereby expressly waives any right of offset it may have against the Company or any of its Subsidiaries.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">2.8<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Use of Proceeds</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall use the net proceeds from the sale of Subordinated Notes for general corporate purposes, organic growth and to support the Bank&#8217;s regulatory capital ratios. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">DISBURSEMENT</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_cp_text_1_37"></a><a name="_cp_text_1_39"></a><a name="_cp_text_2_40"></a>3.1<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Disbursement</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;On the Closing Date, assuming all of the terms and conditions set forth in </font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Section 3.2</font><font style="font-weight:normal;color:#000000;"> have been satisfied by the Company and the Company has executed and delivered to each of the Purchasers this Agreement and any other related documents in form and substance reasonably satisfactory to the Purchasers, each Purchaser shall disburse to the Company <a name="_cp_text_1_37"></a>in immediately available funds the Subordinated Note Amount set forth on each Purchaser&#8217;s respective signature page hereto to the Company in exchange for an electronic securities entitlement through the facilities of the Depository Trust Company (&#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">DTC</font><font style="font-weight:normal;color:#000000;">&#8221;) with a principal amount equal to such Subordinated Note Amount (the &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Disbursemen</font><font style="font-weight:normal;color:#000000;"><a name="_cp_text_1_39"></a>t&#8221;).&nbsp;&nbsp;The Company will deliver to the Trustee a global certificate (the &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Global Note</font><font style="font-weight:normal;color:#000000;">&#8221;) <a name="_cp_text_2_40"></a>representing the Subordinated Notes, registered in the name of Cede &amp; Co. as nominee for DTC.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Conditions Precedent to Disbursement</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2.1<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Conditions to the Purchasers&#8217; Obligation</font><font style="font-weight:normal;color:#000000;">. The obligation of each Purchaser to consummate the purchase of the Subordinated Notes to be purchased by such Purchaser at Closing and to effect the Disbursement is subject to delivery by or at the direction of the Company to such Purchaser (or, with respect to the Indenture, the Trustee) each of the following (or written waiver of delivery by such Persons prior to the Closing):</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2.1.1<font style="margin-left:162pt;"></font><font style="text-decoration:underline;color:#000000;">Transaction Documents</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;This Agreement, the Indenture, the Global Note and the Registration Rights Agreement (collectively, the &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Transaction Documents</font><font style="font-weight:normal;color:#000000;">&#8221;), each duly authorized and executed by the Company, and the delivery of written instruction to the Trustee (with respect to the Indenture).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2.1.2<font style="margin-left:162pt;"></font><font style="text-decoration:underline;color:#000000;">Authority Documents</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:34.62%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(a)<font style="margin-left:207pt;"></font><font style="color:#000000;">A copy, certified by the Secretary or Assistant Secretary of the Company, of the Charter of the Company;</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:34.62%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(b)<font style="margin-left:207pt;"></font><font style="color:#000000;">A certificate of good standing of the Company issued by the Secretary of State of the State of New York; and a certificate of good standing of the Bank issued by the New York State Department of Financial Services;</font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">6</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;margin-top:0pt;text-indent:34.62%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU7"></a><font style="color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(c)</font><font style="margin-left:207pt;"></font><font style="color:#000000;">A copy, certified by the Secretary or Assistant Secretary, of the Bylaws of the Company;</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:34.62%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(d)<font style="margin-left:207pt;"></font><font style="color:#000000;">A copy, certified by the Secretary or Assistant Secretary of the Company, of the resolutions of the board of directors of the Company, and any committee thereof, authorizing the issuance of the Subordinated Note and the execution, delivery and performance of the Transaction Documents;</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:34.62%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(e)<font style="margin-left:207pt;"></font><font style="color:#000000;">An incumbency certificate of the Secretary or Assistant Secretary of the Company certifying the names of the officer or officers of the Company authorized to sign the Transaction Documents and the other documents provided for in this Agreement; and</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:34.62%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(f)<font style="margin-left:207pt;"></font><font style="color:#000000;">The opinion of Harter Secrest &amp; Emery LLP, counsel to the Company, dated as of the Closing Date, substantially in the form set forth at </font><font style="text-decoration:underline;color:#000000;">Exhibit C</font><font style="color:#000000;"> attached hereto addressed to the Purchasers and Placement Agent.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2.1.3<font style="margin-left:162pt;"></font><font style="text-decoration:underline;color:#000000;">Other Documents and Information</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Such other certificates, affidavits, schedules, resolutions, notes and/or other documents which are provided for hereunder or as a Purchaser may reasonably request.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2.1.4<font style="margin-left:162pt;"></font><font style="text-decoration:underline;color:#000000;">Aggregate Investments</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Prior to, or contemporaneously with the Closing, each Purchaser shall have actually subscribed for the Subordinated Note Amount set forth on such Purchaser&#8217;s signature page to this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">3.2.2<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Conditions to the Company&#8217;s Obligation</font><font style="color:#000000;">.&nbsp;&nbsp;</font><font style="font-weight:normal;color:#000000;">With respect to a given Purchaser, the obligation of the Company to consummate the sale of the Subordinated Notes and to effect the Closing is subject to delivery by or at the direction of such Purchaser to the Company of this Agreement and the Registration Rights Agreement, duly authorized and executed by such Purchaser.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">REPRESENTATIONS AND WARRANTIES OF THE COMPANY</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company hereby represents and warrants to each Purchaser as follows:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.1<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Organization and Authority</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.1.1<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Organization Matters of the Company and Its Subsidiaries</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.1.1.1<font style="margin-left:162pt;"></font><font style="font-weight:normal;color:#000000;">The Company is a duly organized corporation, is validly existing and in good standing under the laws of the State of New York and has all requisite corporate power and authority to conduct its business and activities as presently conducted, to own its properties, and to perform its obligations under the Transaction Documents.&nbsp;&nbsp;The Company is duly qualified as a foreign corporation to transact business and is in good standing in each other jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to so qualify or to be in good standing would not result in a Material Adverse Effect.&nbsp;&nbsp;The Company is duly registered as a financial holding company under the Bank Holding Company Act of 1956, as amended.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU8"></a>4.1.1.2<font style="margin-left:162pt;"></font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Schedule 4.1.1.2</font><font style="font-weight:normal;color:#000000;"> sets forth the only direct or indirect Subsidiaries of the Company.&nbsp;&nbsp;Each Subsidiary of the Company, other than the Bank, either has been duly organized and is validly existing as a corporation or limited liability company, or, in the case of the Bank, has been duly chartered and is validly existing as a commercial bank, in each case in good standing under the laws of the </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">7</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">jurisdiction of its incorporation, has corporate</font><font style="font-weight:normal;color:#000000;">, trust or limited liability company</font><font style="font-weight:normal;color:#000000;"> power</font><font style="font-weight:normal;color:#000000;">, as applicable,</font><font style="font-weight:normal;color:#000000;"> and authority to own, lease and operate its properties and to conduct its business and is duly qualified as a foreign corporation to transact business and is in good standing in each jurisdiction in which such qualification is required, whether by reason of the ownership or leasing of property or the conduct of business, except where the failure to so qualify or to be in good standing would not reasonably be expected to result in a Material Adverse Effect.&nbsp;&nbsp;All of the issued and outstanding shares of capital stock or other equity interests in each Subsidiary of the Company have been duly authorized and validly issued, are fully paid and non-assessable </font><font style="font-weight:normal;color:#000000;">(to the extent such concepts apply to entities other than corporations) </font><font style="font-weight:normal;color:#000000;">and are owned by the Company, directly or through Subsidiaries of the Company, free and clear of any security interest, mortgage, pledge, lien, encumbrance or claim; none of the outstanding shares of capital </font><font style="font-weight:normal;color:#000000;">stock of, or other Equity Interests in</font><font style="font-weight:normal;color:#000000;">, any Subsidiary of the Company were issued in violation of the preemptive or similar rights of any security holder of such Subsidiary of the Company or any other entity.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:25%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.1.1.3<font style="margin-left:162pt;"></font><font style="font-weight:normal;color:#000000;">The deposit accounts of the Bank are insured by the FDIC up to applicable limits.&nbsp;&nbsp;The Bank has not received any notice or other information indicating that the Bank is not an &#8220;insured depository institution&#8221; as defined in 12 U.S.C. Section 1813, nor has any event occurred which could reasonably be expected to adversely affect the status of the Bank as an FDIC-insured institution.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk51948235"></a>4.1.2<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Capital Stock and Related Matters</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Charter of the Company authorizes the Company to issue: (i) 50,000,000 shares of common stock, par value $0.01 per share, and (ii) 210,000 shares of preferred stock, par value $100 per share, (a) 10,000 of which are designated as Class A Preferred Stock, with 1,533 designated as Series A 3% Preferred Stock and 7,503 designated as Fixed Rate Cumulative Perpetual Preferred Stock, Series A and <a name="_Hlk51948235"></a>(b) 200,000 of which are designated as Series B-1 8.48% Preferred Stock. As of the date of this Agreement, 16,038,220 shares of the Company&#8217;s common stock, 1,435 shares of Series A 3% Preferred Stock and 171,847 shares of the Series B-1 8.48% Preferred Stock are issued and outstanding. All of the outstanding capital stock of the Company has been duly authorized and validly issued and is fully paid and non-assessable.&nbsp;&nbsp;There are, as of the date hereof, no outstanding options, rights, warrants or other agreements or instruments obligating the Company to issue, deliver or sell, or cause to be issued, delivered or sold, additional shares of the capital stock of the Company or obligating the Company to grant, extend or enter into any such agreement or commitment to any Person, other than in the ordinary course of business, consistent with past practice, pursuant to the Company&#8217;s equity compensation programs duly adopted by the Company&#8217;s Board of Directors.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Impediment to Transactions</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.2.1<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Transaction is Legal and Authorized</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The issuance of the Subordinated Notes pursuant to the Indenture, the borrowing of the aggregate of the Subordinated Note Amount, the execution of the Transaction Documents, and the compliance by the Company with all of the provisions of the Transaction Documents are within the corporate and other powers of the Company.&nbsp;&nbsp;</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.2.2<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Agreement, Indenture, and Registration Rights Agreement</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;This Agreement, the Indenture, and the Registration Rights Agreement have been duly authorized, executed and delivered by the Company, and, assuming due authorization, execution and delivery by the other parties hereto, including the Trustee for purposes of the Indenture, constitute the legal, valid and binding obligations of the Company, enforceable against the Company in accordance with their terms, except as enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to or affecting creditors&#8217; rights generally or by general equitable principles.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU9"></a>4.2.3<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Subordinated Notes</font><font style="color:#000000;">.&nbsp;&nbsp;</font><font style="font-weight:normal;color:#000000;">The Subordinated Notes have been duly authorized by the Company and when executed by the Company and completed and authenticated by the Trustee in accordance with, and in the forms contemplated by, the Indenture and issued to, delivered to and paid for </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">8</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">by the Purchasers in accordance with the terms of the Agreement, will have been duly executed, authenticated, issued and delivered,</font><font style="font-weight:normal;color:#000000;"> </font><font style="font-weight:normal;color:#000000;">under the Indenture and will constitute legal, valid and binding obligations of the Company, entitled to the benefits of the Indenture, and enforceable in accordance with their terms, except as enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to or affecting creditors&#8217; rights generally or by general equitable principles.&nbsp;&nbsp;When executed and deliv</font><font style="font-weight:normal;color:#000000;">ered, the Subordinated Notes will be substantially in the forms attached as exhibits to the Indenture.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.2.4<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Exemption from Registration; No Disqualification Event</font><font style="color:#000000;">.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;Neither the Company, nor any of its Subsidiaries or Affiliates, nor, to the Company&#8217;s knowledge, any Person acting on its or their behalf, has engaged in any form of general solicitation or general advertising (within the meaning of Regulation D) in connection with the offer or sale of the Subordinated Notes.&nbsp;&nbsp;Assuming the accuracy of the representations and warranties of each Purchaser set forth in this Agreement, the Subordinated Notes will be issued in a transaction exempt from the registration requirements of the Securities Act.&nbsp;&nbsp;No &#8220;bad actor&#8221; disqualifying event described in Rule 506(d)(1)(i)-(viii) of the Securities Act (a &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Disqualification Event</font><font style="font-weight:normal;color:#000000;">&#8221;) is applicable to the Company or, to the Company&#8217;s knowledge, any Person described in Rule 506(d)(1) (each, a &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Company Covered Person</font><font style="font-weight:normal;color:#000000;">&#8221;).&nbsp;&nbsp;The Company has exercised reasonable care to determine whether any Company Covered Person is subject to a Disqualification Event.&nbsp;&nbsp;The Company has complied, to the extent applicable, with its disclosure obligations under Rule 506(e).</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.2.5<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">No Defaults or Restrictions</font><font style="font-weight:normal;color:#000000;">. Neither the execution and delivery of the Transaction Documents by the Company nor compliance by the Company with their respective terms and conditions will (whether with or without the giving of notice or lapse of time or both) (i) violate, conflict with or result in a breach of, or constitute a default under:&nbsp;&nbsp;(1) the Charter or Bylaws of the Company; (2) any of the terms, obligations, covenants, conditions or provisions of any corporate restriction or of any contract, agreement, indenture, mortgage, deed of trust, pledge, bank loan or credit agreement, or any other agreement or instrument to which the Company or the Bank, as applicable, is now a party or by which it or any of its properties may be bound or affected; (3) any judgment, order, writ, injunction, decree or demand of any court, arbitrator, grand jury, or Governmental Agency applicable to the Company or the Bank; or (4) any statute, rule or regulation applicable to the Company, except, in the case of items (2), (3) or (4), for such violations, conflicts, breaches or defaults that would not reasonably be expected to have, singularly or in the aggregate, a Material Adverse Effect on the Company and its Subsidiaries taken as a whole, or (ii) result in the creation or imposition of any lien, charge or encumbrance of any nature whatsoever upon any property or asset of the Company.&nbsp;&nbsp;Neither the Company nor the Bank is in default in the performance, observance or fulfillment of any of the terms, obligations, covenants, conditions or provisions contained in any indenture or other agreement creating, evidencing or securing Indebtedness of any kind or pursuant to which any such Indebtedness is issued, or any other agreement or instrument to which the Company or the Bank, as applicable, is a party or by which the Company or the Bank, as applicable, or any of its properties may be bound or affected, except, in each case, only such defaults that would not reasonably be expected to have, singularly or in the aggregate, a Material Adverse Effect on the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.2.6<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Governmental Consent</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;No governmental orders, permissions, consents, approvals or authorizations are required to be obtained by the Company that have not been obtained, and no registrations or declarations are required to be filed by the Company that have not been filed in connection with, or, in contemplation of, the execution and delivery of, and performance under, the Transaction Documents, except for applicable requirements, if any, of the Securities Act, the Exchange Act or state securities laws or &#8220;blue sky&#8221; laws of the various states and any applicable federal or state banking laws and regulations.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU10"></a>4.3<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Possession of Licenses and Permits</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company and its Subsidiaries possess such permits, licenses, approvals, consents and other authorizations (collectively, &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Governmental Licenses</font><font style="font-weight:normal;color:#000000;">&#8221;) </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">9</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">issued by the appropriate Governmental Agencies necessary to conduct the business now operated by them except where the failure to possess such Governmental Licenses would not, singularly or in the aggregate, have a Material Adverse Effect on the Company or such applicable Subsidiary; the Company and each Subsidiary of the Company is in compliance with the terms and conditions of all such Governmental Licenses, except where the failure </font><font style="font-weight:normal;color:#000000;">to </font><font style="font-weight:normal;color:#000000;">so comply would not, individually or in the aggregate, have a Material Adverse Effect on the Company or such applicable Subsidiary of the Company; all of the Governmental Licenses are valid and in full force and effect, except where the invalidity of such Governmental Licenses or the failure of such Governmental Licenses to be in full force and effect would not have a Material Adverse Effect on the Company or such applicable Subsidiary of the Company</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;N</font><font style="font-weight:normal;color:#000000;">either the Company nor any Subsidiary of the Company has received any notice of proceedings relating to the revocation or modification of any such Governmental Licenses</font><font style="font-weight:normal;color:#000000;"> </font><font style="font-weight:normal;color:#000000;">since December 31, 201</font><font style="font-weight:normal;color:#000000;">5</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.4<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Financial Condition</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.4.1<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Company Financial Statements</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The financial statements of the Company included in the Company&#8217;s Reports (including the related notes, where applicable), which have been made available to the Purchasers (i) have been prepared from, and are in accordance with, the books and records of the Company; (ii) fairly present in all material respects the results of operations, cash flows, changes in stockholders&#8217; equity and financial position of the Company and its consolidated Subsidiaries, for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to recurring year-end audit adjustments normal in nature and amount), as applicable; (iii) complied as to form, as of their respective dates of filing in all material respects with applicable accounting and banking requirements as applicable, with respect thereto; and (iv) have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, (x) as indicated in such statements or in the notes thereto, (y) for any statement therein or omission therefrom that was corrected, amended, or supplemented or otherwise disclosed or updated in a subsequent Company&#8217;s Report, and (z) to the extent that any unaudited interim financial statements do not contain the footnotes required by GAAP, and were or are subject to normal and recurring year-end adjustments, which were not or are not expected to be material in amount, either individually or in the aggregate.&nbsp;&nbsp;The books and records of the Company have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements.&nbsp;&nbsp;The Company does not have any material liability of any nature whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due) required to be reflected on or reserved against in a balance sheet in accordance with GAAP, except for those liabilities that are reflected or reserved against on the consolidated balance sheet of the Company contained in the Company&#8217;s Reports for the Company&#8217;s most recently completed quarterly or annual fiscal period, as applicable, and for liabilities incurred in the ordinary course of business consistent with past practice or in connection with this Agreement and the transactions contemplated hereby.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.4.2<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Absence of Default</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Since December 31, 2019, no event has occurred which either of itself or with the lapse of time or the giving of notice or both, would give any creditor of the Company the right to accelerate the maturity of any material Indebtedness of the Company.&nbsp;&nbsp;The Company is not in default under any Lease, agreement or instrument, or any law, rule, regulation, order, writ, injunction, decree, determination or award, non-compliance with which could reasonably be expected to result in a Material Adverse Effect on the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.4.3<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Solvency</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;After giving effect to the consummation of the transactions contemplated by this Agreement, the Company has capital sufficient to carry on its business and transactions and is solvent and able to pay its debts as they mature.&nbsp;&nbsp;No transfer of property is being made and no Indebtedness is being incurred in connection with the transactions contemplated by this Agreement with the intent to hinder, delay or defraud either present or future creditors of the Company or any Subsidiary of the Company.</font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">10</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU11"></a><font style="font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.4.4</font><font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Ownership of Property</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company and each of its Subsidiaries has good and marketable title as to all real property owned by it and good title to all assets and properties owned by the Company and such Subsidiary in the conduct of its businesses, whether such assets and properties are real or personal, tangible or intangible, including assets and property reflected in the most recent balance sheet contained in the Company&#8217;s Reports or acquired subsequent thereto (except to the extent that such assets and properties have been disposed of in the ordinary course of business, since the date of such balance sheet), subject to no encumbrances, liens, mortgages, security interests or pledges, except (i) those items which secure liabilities for public or statutory obligations or any discount with, borrowing from or other obligations to the Federal Home Loan Bank, inter-bank credit facilities, reverse repurchase agreements or any transaction by the Bank acting in a fiduciary capacity, (ii) statutory liens for amounts not yet delinquent or which are b</font><font style="font-weight:normal;color:#000000;">eing contested in good faith, </font><font style="font-weight:normal;color:#000000;"> (iii) such as </font><font style="font-weight:normal;color:#000000;">would</font><font style="font-weight:normal;color:#000000;"> not</font><font style="font-weight:normal;color:#000000;"> be expected</font><font style="font-weight:normal;color:#000000;">, individually or in the aggregate, </font><font style="font-weight:normal;color:#000000;">to result in a Material Adverse Effect on the Company, and (iv) as disclosed in the Company&#8217;s Reports.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;The Company and each of its Subsidiaries, as lessee, has the right under valid and existing Leases of real and personal properties that are material to the Company or such Subsidiary, as applicable, in the conduct of its business to occupy or use all such properties as presently occupied and used by it.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.5<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Material Adverse Effect</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Except as set forth in the Company&#8217;s Reports, since December 31, 2019, there has been no development or event which has had or could reasonably be expected to have a Material Adverse Effect on the Company or any of its Subsidiaries.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.6<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Legal Matters</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.6.1<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Compliance with Law</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company and each of its Subsidiaries (i) has complied with and, (ii) is not under investigation with respect to, and, to the Company&#8217;s knowledge, has not been threatened to be charged with or given any notice of any material violation of any applicable statutes, rules, regulations, orders and restrictions of any domestic or foreign government, or any instrumentality or agency thereof, having jurisdiction over the conduct of its business or the ownership of its properties, except where any such failure to comply or violation would not reasonably be expected to have a Material Adverse Effect on the Company and its Subsidiaries taken as a whole.&nbsp;&nbsp;The Company and each of its Subsidiaries is in compliance with, and has been in compliance with, (x) all statutes, rules, regulations, orders and restrictions of any domestic or foreign government, or any Governmental Agency, applicable to it, and (y) its own privacy policies and written commitments to customers, consumers and employees, concerning data protection, the privacy and security of personal data, and the nonpublic personal information of its customers, consumers and employees, in each case except where any such failure to comply, would not result, either individually or in the aggregate, in a Material Adverse Effect.  At no time during the two years prior to the date hereof has the Company or any of its Subsidiaries received any written notice asserting any violations of any of the foregoing.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.6.2<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Regulatory Enforcement Actions</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company, the Bank and its other Subsidiaries are in compliance in all material respects with all laws administered by and regulations of any Governmental Agency applicable to it or to them, except where the failure to comply would not have a Material Adverse Effect.&nbsp;&nbsp;None of the Company, the Bank, the Company&#8217;s or the Bank&#8217;s Subsidiaries nor any of their officers or directors is now operating under any restrictions, agreements, memoranda, commitment letter, supervisory letter or similar regulatory correspondence, or other commitments (other than restrictions of general application) imposed by any Governmental Agency, nor are, to the Company&#8217;s knowledge, (a) any such restrictions threatened, (b) any agreements, memoranda or commitments being sought by any Governmental Agency, or (c) any legal or regulatory violations previously identified by, or penalties or other remedial action previously imposed by, any Governmental Agency remains unresolved.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU12"></a>4.6.3<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Pending Litigation</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Except as set forth in the Company&#8217;s Reports, there are no actions, suits, proceedings or written agreements pending, or, to the Company&#8217;s knowledge, threatened or </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">11</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">proposed, against the Company or any of its Subsidiaries at law or in equity or before or by any federal, state, municipal, or other governmental department, commission, board, or other administrative agency, domestic or foreign, that, either separately or in the aggregate, would reasonably be expected to have a Material Adverse Effect on the Company and any of its Subsidiaries, taken as a whole, or affect issuance or payment of the Subordinated Notes; and neither the Company nor any of its Subsidiaries is a party to or named as subject to the provisions of any order, writ, injunction, or decree of, or any written agreement with, any court, commission, board or agency, domestic or foreign, that either separately or in the aggregate, </font><font style="font-weight:normal;color:#000000;">would reasonably be expected to</font><font style="font-weight:normal;color:#000000;"> have a Material Adverse Effect on the Company and any of its Subsidiaries, taken as a whole.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk51583835"></a>4.6.4<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Environmental</font><font style="font-weight:normal;color:#000000;"><a name="_Hlk51583835"></a>.&nbsp;&nbsp;No Property is or, to the Company&#8217;s knowledge, has been a site for the use, generation, manufacture, storage, treatment, release, threatened release, discharge, disposal, transportation or presence of any Hazardous Materials and neither the Company nor any of its Subsidiaries has engaged in such activities.&nbsp;&nbsp;There are no claims or actions pending or, to the Company&#8217;s knowledge, threatened against the Company or any of its Subsidiaries by any Governmental Agency or by any other Person relating to any Hazardous Materials or pursuant to any Hazardous Materials Law.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.6.5<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Brokerage Commissions</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Except for commissions paid to the Placement Agent, neither the Company nor any Affiliate of the Company is obligated to pay any brokerage commission or finder&#8217;s fee to any Person in connection with the transactions contemplated by this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.6.6<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Investment Company Act</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Neither the Company nor any of its Subsidiaries is an &#8220;investment company&#8221; or a company &#8220;controlled&#8221; by an &#8220;investment company,&#8221; within the meaning of the Investment Company Act of 1940, as amended.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.7<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Misstatement or Omission</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;As of the date of this Agreement, none of the representations, warranties, covenants and agreements contained in this Agreement or in any certificate or other document delivered to the Purchasers by or on behalf of the Company pursuant to, or in connection with, this Agreement contains any untrue statement of a material fact or omits to state a material fact necessary to make the statements contained therein not misleading in light of the circumstances when made or furnished to Purchasers.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk51947958"></a><a name="_AEIOULastRenderedPageBreakAEIOU13"></a>4.8<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Internal Accounting Controls and Disclosure Controls</font><font style="font-weight:normal;color:#000000;"><a name="_Hlk51947958"></a>.&nbsp;&nbsp;The Company, the Bank and each other Subsidiary has established and maintains a system of internal control over financial reporting that pertains to the maintenance of records that accurately and fairly reflect the transactions and dispositions of the Company&#8217;s assets (on a consolidated basis), provides reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP, and that the Company&#8217;s and the Bank&#8217;s receipts and expenditures and receipts and expenditures of each of the Company&#8217;s other Subsidiaries are being made only in accordance with authorizations of the Company management and Board of Directors, and provides reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of assets of the Company on a consolidated basis that could have a Material Adverse Effect.&nbsp;&nbsp;Such internal control over financial reporting is effective to provide reasonable assurance regarding the reliability of the Company&#8217;s financial reporting and the preparation of the Company&#8217;s financial statements for external purposes in accordance with GAAP.&nbsp;&nbsp;Since the conclusion of the Company&#8217;s last completed fiscal year there has not been and there currently is not (i)&#160;any significant deficiency or material weakness in the design or operation of its internal control over financial reporting which is reasonably likely to adversely affect its ability to record, process, summarize and report financial information, or (ii)&#160;any fraud, whether or not material, that involves management or other employees who have a role in the Company&#8217;s or the Bank&#8217;s internal control over financial reporting.&nbsp;&nbsp;The Company (A)&#160;has implemented and maintains disclosure controls and procedures reasonably designed </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">12</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">and maintained to ensure that material information relating to the Company is made known to the Chief Executive Officer and the Chief Financial Officer of the Company by others within the Company and (B)&#160;has disclosed, based on its most recent evaluation prior to the date hereof, to the Company&#8217;s outside auditors and the audit committee of the Company&#8217;s Board of Directors any significant deficiencies and material weaknesses in the design or operation of internal controls over financial reporting which are reasonably likely to adversely affect the Company&#8217;s internal controls over financial reporting.&nbsp;&nbsp;Such disclosure controls and procedures are effective for the purposes for which they were established.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.9<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Tax Matters</font><font style="color:#000000;">.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;The </font><font style="color:#000000;font-weight:normal;">Company, the Bank and each Subsidiary of the Company have (i) filed all material foreign, U.S. federal, state and local tax returns, information returns and similar reports that are required to be filed, and all such tax returns are true, correct and complete in all material respects, and (ii) paid all material taxes required to be paid by it and any other material assessment, fine or penalty levied against it other than taxes (x) currently payable without penalty or interest, or (y) being contested in good faith by appropriate proceedings.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">4.10<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Exempt Offering</font><font style="color:#000000;">.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;Assuming the accuracy of the Purchasers&#8217; representations and warranties set forth in this Agreement, no registration under the Securities Act is required for the offer and sale of the Subordinated Notes by the Company to the Purchasers.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_cp_text_2_528"></a>4.11<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Representations and Warranties Generally</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;<a name="_cp_text_2_528"></a>The representations and warranties of Company set forth in this Agreement and in any certificate or other document delivered to the Purchasers by or on behalf of Company, Bank or any of their Subsidiaries pursuant to or in connection with this Agreement that do not contain a &#8220;Material Adverse Effect&#8221; qualification or other express materiality or similar qualification are true and correct as of the date hereof and as of the Closing Date, except where the failure of such representations and warranties to be so true and correct does not have a Material Adverse Effect; provided, however, that any such representations and warranties made as of a specified date need only be true and correct as of such date.&nbsp;&nbsp;The representations and warranties of Company set forth in this Agreement and in any certificate or other document delivered to Purchaser by or on behalf of Company, Bank or any of their Subsidiaries pursuant to or in connection with this Agreement that contain a &#8220;Material Adverse Effect&#8221; qualification or any other express materiality or similar qualification are true and correct as of the date hereof and as of the Closing Date; provided, however, that any such representations and warranties made as of a specified date need only be true and correct as of such date.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">GENERAL COVENANTS, CONDITIONS AND AGREEMENTS</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company hereby further covenants and agrees with each Purchaser as follows:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.1<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Compliance with Transaction Documents</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall comply with, observe and timely perform each and every one of the covenants, agreements and obligations of the Company under the Transaction Documents.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Affiliate Transactions</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall not itself, nor shall it cause, permit or allow any of its Subsidiaries to enter into any material transaction, including, the purchase, sale or exchange of property or the rendering of any service, with any Affiliate of the Company except upon terms consistent with applicable laws and regulations and reasonably found by the appropriate board(s) of directors to be fair and reasonable and, except for those transactions set forth in </font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Schedule 5.2</font><font style="font-weight:normal;color:#000000;">, no less favorable to the Company or such Affiliate than would be obtained in a comparable arm&#8217;s length transaction with a Person not an Affiliate. </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">13</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU14"></a><font style="font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.3</font><font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Compliance with Laws</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.3.1<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Generally</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall comply and cause the Bank and each of its other Subsidiaries to comply in all material respects with all applicable statutes, rules, regulations, orders and restrictions in respect of the conduct of its business and the ownership of its properties, except, in each case, where such noncompliance would not reasonably be expected to have a Material Adverse Effect on the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.3.2<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Regulated Activities</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall not itself, nor shall it cause, permit or allow the Bank or any other of its Subsidiaries to (i) engage in any business or activity not permitted by all applicable laws and regulations, except where such business or activity would not reasonably be expected to have a Material Adverse Effect on the Company, the Bank and/or its other Subsidiaries or (ii) make any loan or advance secured by the capital stock of another bank or depository institution, or acquire the capital stock, assets or obligations of or any interest in another bank or depository institution, in each case other than in accordance with applicable laws and regulations and safe and sound banking practices.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.3.3<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Taxes</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall and shall cause the Bank and any other of its Subsidiaries to promptly pay and discharge all taxes, assessments and other governmental charges imposed upon the Company, the Bank or any other of its Subsidiaries or upon the income, profits, or property of the Company or any Subsidiary and all claims for labor, material or supplies which, if unpaid, might by law become a lien or charge upon the property of the Company, the Bank or any other of its Subsidiaries, except as would not be reasonably expected to have a Material Adverse Effect on the Company.&nbsp;&nbsp;Notwithstanding the foregoing, none of the Company, the Bank or any other of its Subsidiaries shall be required to pay any such tax, assessment, charge or claim, so long as the validity thereof shall be contested in good faith by appropriate proceedings, and appropriate reserves therefor shall be maintained on the books of the Company, the Bank and such other Subsidiary.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.3.4<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Corporate Existence</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall do or cause to be done all things reasonably necessary to maintain, preserve and renew its corporate existence and that of the Bank and the other Subsidiaries and its and their rights and franchises, and comply in all material respects with all related laws applicable to the Company, the Bank or the other Subsidiaries.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_cp_text_1_64"></a><a name="_cp_text_1_66"></a><a name="_cp_text_2_67"></a>5.3.5<font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Dividends, Payments, and Guarantees During Event of Default</font><font style="color:#000000;">.&nbsp;&nbsp;</font><font style="font-weight:normal;color:#000000;"><a name="_cp_text_1_64"></a>Upon the occurrence of an Event of Default (as defined under the Indenture<a name="_cp_text_1_66"></a>), until such Event of Default is cured by the Company or waived by the Holders&nbsp;&nbsp;<a name="_cp_text_2_67"></a>in accordance with the terms of the Indenture and except as required by any federal or state Governmental Agency, the Company shall not (a) declare or pay any dividends or distributions on, or redeem, purchase, acquire or make a liquidation payment with respect to, any of its capital stock; (b) make any payment of principal of, or interest or premium, if any, on, or repay, repurchase or redeem any of the Company&#8217;s Indebtedness that ranks equal with or junior to the Subordinated Notes; or (c) make any payments under any guarantee that ranks equal with or junior to the Subordinated Notes, other than (i) any dividends or distributions in shares of, or options, warrants or rights to subscribe for or purchase shares of, any class of the Company&#8217;s common stock; (ii) any declaration of a non-cash dividend in connection with the implementation of a shareholders&#8217; rights plan, or the issuance of stock under any such plan in the future, or the redemption or repurchase of any such rights pursuant thereto; (iii) as a result of a reclassification of the Company&#8217;s capital stock or the exchange or conversion of one class or series of the Company&#8217;s capital stock for another class or series of the Company&#8217;s capital stock; (iv) the purchase of fractional interests in shares of the Company&#8217;s capital stock pursuant to the conversion or exchange provisions of such capital stock or the security being converted or exchanged; or (v) purchases of any class of the Company&#8217;s common stock related to the issuance of common stock or rights under any benefit plans for the Company&#8217;s directors, officers or employees or any of the Company&#8217;s dividend reinvestment plans.</font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">14</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:15.38%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU15"></a><font style="font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.3.6</font><font style="margin-left:117pt;"></font><font style="text-decoration:underline;color:#000000;">Tier 2 Capital</font><font style="color:#000000;">.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;If all or any portion of the Subordinated Notes ceases to be deemed to be Tier 2 Capital, other than due to the limitation imposed on the capital treatment of subordinated debt during the five</font><font style="font-weight:normal;color:#000000;"> </font><font style="font-weight:normal;color:#000000;">(5) years immediately preceding the Maturity Date of the Subordinated Notes, the Company</font><font style="font-weight:normal;color:#000000;"> will immediately notify the H</font><font style="font-weight:normal;color:#000000;">older, and thereafter</font><font style="font-weight:normal;color:#000000;">, subject to the terms of the Indenture, </font><font style="font-weight:normal;color:#000000;">the Company and the </font><font style="font-weight:normal;color:#000000;">H</font><font style="font-weight:normal;color:#000000;">older will work together in good faith to execute and deliver all agreements as reasonably necessary in order to restructure the applicable portions of the obligations evidenced by the Subordinated Notes to qualify as Tier 2 Capital</font><font style="font-weight:normal;color:#000000;">; provided, however, that nothing contained in this Agreement shall limit the Company&#8217;s right to redeem the Subordinated Notes upon the occurrence of a Tier 2 Capital Event as described in the Subordinated Notes</font><font style="font-weight:normal;color:#000000;"> and the Indenture</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.4<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Absence of Control</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;It is the intent of the parties to this Agreement that in no event shall the Purchasers, by reason of any of the Transaction Documents, be deemed to control, directly or indirectly, the Company, and the Purchasers shall not exercise, or be deemed to exercise, directly or indirectly, a controlling influence over the management or policies of the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.5<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Secondary Market Transactions</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Each Purchaser shall have the right at any time and from time to time to securitize its Subordinated Notes or any portion thereof in a single asset securitization or a pooled loan securitization of rated single or multi-class securities secured by or evidencing ownership interests in the Subordinated Notes (each such securitization is referred to herein as a &#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Secondary Market Transaction</font><font style="font-weight:normal;color:#000000;">&#8221;).&nbsp;&nbsp;In connection with any such Secondary Market Transaction, the Company, at the Company&#8217;s expense, shall cooperate with the Purchasers and otherwise reasonably assist the Purchasers in satisfying the market standards to which Purchasers customarily adhere or which may be reasonably required in the marketplace or by applicable rating agencies in connection with any such Secondary Market Transaction, but in no event shall the Company be required to incur any costs or expenses in excess of $10,000 in connection therewith. Subject to any written confidentiality obligation, all information regarding the Company may be furnished, without liability except in the case of gross negligence or willful misconduct, to any the Purchaser and to any Person reasonably deemed necessary by Purchaser in connection with participation in such Secondary Market Transaction. The Purchaser shall cause any Person to whom the Purchaser wishes to deliver confidential Company information related to the Secondary Market Transaction (which shall not include the Transaction Documents) to execute and deliver to the Company a non-disclosure agreement reasonably acceptable to the Company unless such Person is a party to a commercially reasonable confidentiality agreement to which the Company is a third party beneficiary. All documents, financial statements, appraisals and other data relevant to the Company or the Subordinated Notes may be retained by any such Person, subject to the terms of any applicable confidentiality agreements.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.6<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Bloomberg</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Company shall use commercially reasonable efforts to cause the Subordinated Notes to be quoted on Bloomberg.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.7<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Rule 144A Information</font><font style="color:#000000;">.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;While any Subordinated Notes remain &#8220;restricted securities&#8221; within the meaning of the Securities Act, the Company will make available, upon request of any Purchaser or subsequent holder of any Subordinated Notes the information specified in Rule 144A(d)(4) under the Securities Act, unless the Company is then subject to Section&#160;13 or 15(d) of the Exchange Act.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.8<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">NRSRO Rating.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;The Company will use commercially reasonable efforts to maintain a rating by a nationally recognized statistical rating organization (&#8220;</font><font style="text-decoration:underline;font-weight:normal;color:#000000;">NRSRO</font><font style="font-weight:normal;color:#000000;">&#8221;) while any Subordinated Notes remain outstanding.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">5.9<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Resale Registration Statement</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, the Company will provide to the Purchasers the resale registration rights described in the Registration Rights Agreement.</font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">15</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU16"></a><font style="font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.</font><font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">REPRESENTATIONS, WARRANTIES AND COVENANTS OF THE PURCHASERS</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Each Purchaser hereby represents and warrants to the Company, and covenants with the Company, severally and not jointly, as follows:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.1<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Legal Power and Authority</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser has all necessary power and authority to execute, deliver and perform its obligations under this Agreement and to consummate the transactions contemplated hereby.&nbsp;&nbsp;It is an entity duly organized, validly existing and in good standing under the laws of its jurisdiction of organization.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Authorization and Execution</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The execution, delivery and performance of this Agreement and the Registration Rights Agreement have been duly authorized by all necessary action on the part of such Purchaser, and, assuming due authorization, execution and delivery by the other parties thereto, this Agreement and the Registration Rights Agreement are each a legal, valid and binding obligation of such Purchaser, enforceable against such Purchaser in accordance with its terms, except as enforcement thereof may be limited by bankruptcy, insolvency, reorganization, moratorium or other similar laws relating to or affecting creditors&#8217; rights generally or by general equitable principles.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.3<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Conflicts</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Neither the execution, delivery of or performance under the Transaction Documents nor the consummation of any of the transactions contemplated thereby will conflict with, violate, or constitute a breach of or a default under (whether with or without the giving of notice or lapse of time or both) (i) the Purchaser&#8217;s organizational documents, (ii) any agreement to which the Purchaser is party, (iii) any law applicable to Purchaser or (iv) any order, writ, judgment, injunction, decree, determination or award binding upon or affecting the Purchaser.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.4<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Purchase for Investment</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser is purchasing the Subordinated Note for its own account and not with a view to distribution and with no present intention of reselling, distributing or otherwise disposing of the same.&nbsp;&nbsp;The Purchaser has no present or contemplated agreement, undertaking, arrangement, obligation, Indebtedness or commitment providing for, or which is likely to compel, a disposition of the Subordinated Notes in any manner.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.5<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Institutional Accredited Investor</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser is and will be on the Closing Date either (i) an institutional &#8220;accredited investor&#8221; as such term is defined in Rule 501(a) of Regulation D and as contemplated by subsections (1), (2), (3) and (7) of Rule 501(a) of Regulation D, and has no less than $5,000,000 in total assets, or (ii) a QIB.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.6<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Financial and Business Sophistication</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser has such knowledge and experience in financial and business matters that it is capable of evaluating the merits and risks of the prospective investment in the Subordinated Notes.&nbsp;&nbsp;The Purchaser has relied solely upon its own knowledge of, and/or the advice of its own legal, financial or other advisors with regard to, the legal, financial, tax and other considerations involved in deciding to invest in the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.7<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Ability to Bear Economic Risk of Investment</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser recognizes that an investment in the Subordinated Notes involves substantial risk.&nbsp;&nbsp;The Purchaser has the ability to bear the economic risk of the prospective investment in the Subordinated Notes, including the ability to hold the Subordinated Notes indefinitely, and further including the ability to bear a complete loss of all of the Purchaser&#8217;s investment in the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU17"></a>6.8<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Information</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser acknowledges that (i) it is not being provided with the disclosures that would be required if the offer and sale of the Subordinated Notes were registered under the Securities Act, nor is it being provided with any offering circular or prospectus prepared in connection with </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">16</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">the offer and sale of the Subordinated Notes; (ii) it has conducted its own examination of the Company and the terms of the </font><font style="font-weight:normal;color:#000000;">Indenture and the </font><font style="font-weight:normal;color:#000000;">Subordinated Notes to the extent it deems necessary to make its decision to invest in the Subordinated Notes; </font><font style="font-weight:normal;color:#000000;">and </font><font style="font-weight:normal;color:#000000;">(iii) it has availed itself of publicly available financial and other information concerning the Company to the extent it deems necessary to make its decision to purc</font><font style="font-weight:normal;color:#000000;">hase the Subordinated Notes.&nbsp;&nbsp;The Purchaser</font><font style="font-weight:normal;color:#000000;"> has reviewed the information set forth in the Company&#8217;s Reports, the exhibits hereto and the information contained in the data room established by the Company in connection with the transactions contemplated by this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.9<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Access to Information</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser acknowledges that it and its advisors have been furnished with all materials relating to the business, finances and operations of the Company that have been requested by it or its advisors and have been given the opportunity to ask questions of, and to receive answers from, persons acting on behalf of the Company concerning the terms and conditions of the transactions contemplated by this Agreement in order to make an informed and voluntary decision to enter into this Agreement.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.10<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Investment Decision</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser has made its own investment decision based upon its own judgment, due diligence and advice from such advisors as it has deemed necessary and not upon any view expressed by any other Person or entity, including the Placement Agent (or with respect to the Indenture, the Trustee).&nbsp;&nbsp;Neither any inquiries nor any other due diligence investigations conducted by the Purchaser  or its advisors or representatives, if any, shall modify, amend or affect its right to rely on the Company&#8217;s representations and warranties contained herein.&nbsp;&nbsp;The Purchaser is not relying upon, and has not relied upon, any advice, statement, representation or warranty made by any Person by or on behalf of the Company, including, without limitation, the Placement Agent (or with respect to the Indenture, the Trustee), except for the express statements, representations and warranties of the Company made or contained in this Agreement.&nbsp;&nbsp;Furthermore, the Purchaser acknowledges that (i) the Placement Agent has not performed any due diligence review on behalf of it and (ii) nothing in this Agreement or any other materials presented by or on behalf of the Company to the Purchaser in connection with the purchase of the Subordinated Notes constitutes legal, tax, accounting or investment advice.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.11<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Private Placement; No Registration; Restricted Legends</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser understands and acknowledges that the Subordinated Notes are being sold by the Company without registration under the Securities Act in reliance on the exemption from federal and state registration set forth in, respectively, Rule 506(b) of Regulation D promulgated under Section 4(a)(2) of the Securities Act and Section 18 of the Securities Act, or any state securities laws, and accordingly, may be resold, pledged or otherwise transferred only if exemptions from the Securities Act and applicable state securities laws are available to it.&nbsp;&nbsp;It is not subscribing for the Subordinated Notes as a result of or subsequent to any advertisement, article, notice or other communication published in any newspaper, magazine or similar media or broadcast over television, radio, the Internet or social media, or presented at any seminar or meeting.  The Purchaser  further acknowledges and agrees that all certificates or other instruments representing the Subordinated Notes will bear the restrictive legend set forth in the form of Subordinated Note, which are attached to the Indenture.&nbsp;&nbsp;The Purchaser further acknowledges its primary responsibilities under the Securities Act and, accordingly, will not sell or otherwise transfer the Subordinated Notes or any interest therein without complying with the requirements of the Securities Act and the rules and regulations promulgated thereunder and the requirements set forth in this Agreement. </font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.12<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Placement Agent</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The Purchaser will purchase the Subordinated Note(s) directly from the Company and not from the Placement Agent and understands that neither the Placement Agent nor any other broker or dealer has any obligation to make a market in the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU18"></a>6.13<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Tier 2 Capital</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;If the Company provides notice as contemplated in </font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Section 5.3.6</font><font style="font-weight:normal;color:#000000;"> of the occurrence of the event contemplated in such section, thereafter the Company and the Purchasers will work </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">17</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">together in good faith to execute and deliver all agreements as reasonably necessary in order to restructure the applicable portions of the obligations evide</font><font style="font-weight:normal;color:#000000;">nced by the Subordinated Notes so that the Subordinated Notes </font><font style="font-weight:normal;color:#000000;">qualify as Tier 2 Capital; provided, however, that nothing contained in this Agreement shall limit the Company&#8217;s right to redeem the Subordinated Notes upon the occurrence of a Tier 2 Capital Event as described in the Subordinated Notes.</font><font style="font-weight:normal;color:#000000;">&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.14<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Accuracy of Representations</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The&nbsp;&nbsp;Purchaser understands that each of the Placement Agent and the Company are relying upon the truth and accuracy of the foregoing representations, acknowledgements and agreements in connection with the transactions contemplated by this Agreement, and agrees that if any of the representations or acknowledgements made by it are no longer accurate as of the Closing Date, or if any of the agreements made by it are breached on or prior to the Closing Date, it shall promptly notify the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">6.15<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Representations and Warranties Generally</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;The representations and warranties of the Purchaser set forth in this Agreement are true and correct as of the date hereof and will be true and correct as of the Closing Date and as otherwise specifically provided herein.&nbsp;&nbsp;Any certificate signed by a duly authorized representative of the Purchaser and delivered to the Company or to counsel for the Company shall be deemed to be a representation and warranty by the Purchaser to the Company as to the matters set forth therein.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.<font style="margin-left:36pt;"></font><font style="text-decoration:underline;color:#000000;">MISCELLANEOUS</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.1<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Prohibition on Assignment by the Company</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Except as described in </font><font style="text-decoration:underline;font-weight:normal;color:#000000;">Article VII</font><font style="font-weight:normal;color:#000000;"> of the Indenture, the Company may not assign, transfer or delegate any of its rights or obligations under this Agreement or the Subordinated Notes without the prior written consent of all the Purchasers.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.2<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Time of the Essence</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Time is of the essence for this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.3<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Waiver or Amendment</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;No waiver or amendment of any term, provision, condition, covenant or agreement herein shall be effective unless in writing and signed by all of the parties hereto.&nbsp;&nbsp;No failure to exercise or delay in exercising, by a Purchaser or any Holder of the Subordinated Notes, of any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof, or the exercise of any other right or remedy provided by law.&nbsp;&nbsp;The rights and remedies provided in this Agreement are cumulative and not exclusive of any right or remedy provided by law or equity.&nbsp;&nbsp;</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.4<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Severability</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Any provision of this Agreement which is unenforceable or invalid or contrary to law, or the inclusion of which would adversely affect the validity, legality or enforcement of this Agreement, shall be of no effect and, in such case, all the remaining terms and provisions of this Agreement shall subsist and be fully effective according to the tenor of this Agreement the same as though any such invalid portion had never been included herein.&nbsp;&nbsp;Notwithstanding any of the foregoing to the contrary, if any provisions of this Agreement or the application thereof are held invalid or unenforceable only as to particular Persons or situations, the remainder of this Agreement, and the application of such provision to Persons or situations other than those to which it shall have been held invalid or unenforceable, shall not be affected thereby, but shall continue valid and enforceable to the fullest extent permitted by law.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.5<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Notices</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Any notice which any party hereto may be required or may desire to give hereunder shall be deemed to have been given if in writing and if delivered personally, or if mailed, postage prepaid, by United States registered or certified mail, return receipt requested, or if delivered by a responsible overnight commercial courier promising next Business Day delivery, addressed:</font></p>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;">&nbsp;</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:36pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU19"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">if to the Company:</font></p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Financial Institutions, Inc.</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">220 Liberty Street</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Warsaw, NY&nbsp;&nbsp;14569</p>
<p style="margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Attention:&nbsp;&nbsp;General Counsel</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:36pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">with a copy to:</p></td>
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<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Harter Secrest &amp; Emery LLP</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">1600 Bausch &amp; Lomb Place</p>
<p style="margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Rochester, NY&nbsp;&nbsp;14604-2711</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Attention:&nbsp;&nbsp;Alexander R. McClean</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:36pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">if to the Purchasers:</p></td>
<td valign="top" >
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">To the address indicated on such Purchaser&#8217;s signature page.</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">or to such other address or addresses as the party to be given notice may have furnished in writing to the party seeking or desiring to give notice, as a place for the giving of notice; provided that no change in address shall be effective until five (5) Business Days after being given to the other party in the manner provided for above.&nbsp;&nbsp;Any notice given in accordance with the foregoing shall be deemed given when delivered personally or, if mailed, three (3) Business Days after it shall have been deposited in the United States mail as aforesaid or, if sent by overnight courier, the Business Day following the date of delivery to such courier (provided next Business Day delivery was requested).</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.6<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Successors and Assigns</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;This Agreement shall inure to the benefit of the parties hereto and their respective heirs, legal representatives, successors and assigns; except that, unless a Purchaser consents in writing, no assignment made by the Company in violation of this Agreement shall be effective or confer any rights on any purported assignee of the Company.&nbsp;&nbsp;The term &#8220;successors and assigns&#8221; will not include a purchaser of any of the Subordinated Notes from any Purchaser merely because of such purchase.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.7<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Joint Venture</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Nothing contained herein or in any document executed pursuant hereto and no action or inaction whatsoever on the part of a Purchaser, shall be deemed to make a Purchaser a partner or joint venturer with the Company.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.8<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Documentation</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;All documents and other matters required by any of the provisions of this Agreement to be submitted or furnished to a Purchaser shall be in form and substance satisfactory to such Purchaser.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.9<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Entire Agreement</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;This Agreement, the Indenture, the Registration Rights Agreement and the Subordinated Notes, along with any exhibits thereto, constitute the entire agreement between the parties hereto with respect to the subject matter hereof and may not be modified or amended in any manner other than by supplemental written agreement executed by the parties hereto.&nbsp;&nbsp;No party, in entering into this Agreement, has relied upon any representation, warranty, covenant, condition or other term that is not set forth in this Agreement, the Indenture, the Registration Rights Agreement or the Subordinated Notes.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.10<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Choice of Law</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;This Agreement shall be governed by and construed in accordance with the laws of the State of New York  without giving effect to its laws or principles of conflict of laws.&nbsp;&nbsp;Nothing herein shall be deemed to limit any rights, powers or privileges which a Purchaser may have pursuant to any law of the United States of America or any rule, regulation or order of any department or agency thereof and nothing herein shall be deemed to make unlawful any transaction or conduct by a Purchaser which is lawful pursuant to, or which is permitted by, any of the foregoing.</font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">19</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU20"></a><font style="font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.11</font><font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Third Party Beneficiary</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;This Agreement is made for the sole benefit of the Company and the Purchasers, and no other Person shall be deemed to have any privity of contract hereunder nor any right to rely hereon to any extent or for any purpose whatsoever, nor shall any other Person have any right of action of any kind hereon or be deemed to be a third party beneficiary hereunder; </font><font style="font-style:italic;font-weight:normal;color:#000000;">provided</font><font style="font-weight:normal;color:#000000;">, that the Placement Agent may rely on the representations and warranties contained herein to the same extent as if it were a party to this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.12<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Legal Tender of United States</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;All payments hereunder shall be made in coin or currency which at the time of payment is legal tender in the United States of America for public and private debts.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.13<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Captions; Counterparts</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Captions contained in this Agreement in no way define, limit or extend the scope or intent of their respective provisions.&nbsp;&nbsp;This Agreement may be executed in any number of counterparts and by different parties hereto in separate counterparts, each of which when so executed and delivered shall be deemed to be an original and all of which taken together shall constitute but one and the same instrument.&nbsp;&nbsp;In the event that any signature is delivered by facsimile transmission, or by e-mail delivery of a &#8220;.pdf&#8221; format data file, such signature shall create a valid and binding obligation of the party executing (or on whose behalf such signature is executed) with the same force and effect as if such facsimile signature page were an original thereof.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.14<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Knowledge; Discretion</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;All references herein to a Purchaser&#8217;s or the Company&#8217;s knowledge shall be deemed to mean the knowledge of such party based on the actual knowledge of such party&#8217;s Chief Executive Officer and Chief Financial Officer or such other persons holding equivalent offices.&nbsp;&nbsp;Unless specified to the contrary herein, all references herein to an exercise of discretion or judgment by a Purchaser, to the making of a determination or designation by a Purchaser, to the application of a Purchaser&#8217;s discretion or opinion, to the granting or withholding of a Purchaser&#8217;s consent or approval, to the consideration of whether a matter or thing is satisfactory or acceptable to a Purchaser, or otherwise involving the decision making of a Purchaser, shall be deemed to mean that such Purchaser shall decide using the reasonable discretion or judgment of a prudent lender.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.15<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Waiver of Right to Jury Trial</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;TO THE EXTENT PERMITTED UNDER APPLICABLE LAW, THE PARTIES HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT THAT THEY MAY HAVE TO A TRIAL BY JURY IN ANY LITIGATION ARISING IN ANY WAY IN CONNECTION WITH ANY OF THE TRANSACTION DOCUMENTS, OR ANY OTHER STATEMENTS OR ACTIONS OF THE COMPANY OR THE PURCHASERS.&nbsp;&nbsp;THE PARTIES HERETO ACKNOWLEDGE THAT THEY HAVE BEEN REPRESENTED IN THE SIGNING OF THIS AGREEMENT AND IN THE MAKING OF THIS WAIVER BY INDEPENDENT LEGAL COUNSEL SELECTED OF THEIR OWN FREE WILL.&nbsp;&nbsp;THE PARTIES FURTHER HERETO ACKNOWLEDGE THAT (I) THEY HAVE READ AND UNDERSTAND THE MEANING AND RAMIFICATIONS OF THIS WAIVER, (II) THIS WAIVER HAS BEEN REVIEWED BY THE PARTIES HERETO AND THEIR COUNSEL AND IS A MATERIAL INDUCEMENT FOR ENTRY INTO THIS AGREEMENT AND THE REGISTRATION RIGHTS AGREEMENT AND (III) THIS WAIVER SHALL BE EFFECTIVE AS TO EACH OF SUCH TRANSACTION DOCUMENTS AS IF FULLY INCORPORATED THEREIN.</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">7.16<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Expenses</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Except as otherwise provided in this Agreement, each of the parties hereto will bear and pay all costs and expenses incurred by it or on its behalf in connection with the transactions contemplated by this Agreement.</font></p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU21"></a>7.17<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Survival</font><font style="font-weight:normal;color:#000000;">.&nbsp;&nbsp;Each of the representations and warranties set forth in this Agreement shall survive the Closing for a period of one year after the date hereof.&nbsp;&nbsp;Except as otherwise provided herein, all covenants and agreements contained herein shall survive until, by their respective terms, they are no longer </font></p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">20</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;font-weight:bold;color:#010000;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:normal;color:#000000;">operative</font><font style="font-size:12pt;font-weight:normal;color:#000000;">, </font><font style="font-weight:normal;color:#000000;">other than those which by their terms are to be performed in whole or in part prior to or on the Closing Date, which shall terminate as of the Closing Date</font><font style="font-weight:normal;color:#000000;">.</font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:11pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">[Signature Pages Follow]</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">21</a></p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU22"></a><font style="font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF</font><font style="font-weight:normal;">, the Company has caused this Subordinated Note Purchase Agreement to be executed by its duly authorized representative as of the date first above written.</font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">COMPANY</font>:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">FINANCIAL INSTITUTIONS, INC.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:<font style="text-decoration:underline;"></font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:72pt;;text-indent:-36pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name:Justin K. Bigham</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:72pt;;text-indent:-36pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title:Executive Vice President and Chief Financial Officer </p>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:72pt;;text-indent:-36pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;font-style:italic;font-size:10pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">[Company Signature Page to Subordinated Note Purchase Agreement]</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU23"></a><font style="font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF</font><font style="font-weight:normal;">, the Purchaser has caused this Subordinated Note Purchase Agreement to be executed by its duly authorized representative as of the date first above written.</font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:72pt;;text-indent:-36pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">PURCHASER</font>:</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">[INSERT PURCHASER&#8217;S NAME]</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">By:<font style="text-decoration:underline;"></font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:72pt;;text-indent:-36pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name: [&#9679;]</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:72pt;;text-indent:-36pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title:[&#9679;] </p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Address of Purchaser</font>:</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[&#9679;]</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">Principal Amount of Purchased Subordinated Note</font>: </p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">$[&#9679;]</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;">&nbsp;</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font><font style="text-decoration:none;margin-left:36pt;"></font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU24"></a><font style="text-decoration:underline;">SCHEDULE 4.1.1.2</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:11pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">Subsidiaries</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;color:#000000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#160; &#160;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">SCHEDULE 5.2</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:11pt;font-family:Times New Roman;text-transform:none;font-variant: normal;">Affiliate Transactions</p>
<p style="margin-bottom:8pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:8pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-style:italic;font-size:11pt;font-family:Times New Roman;text-transform:none;font-variant: normal;"><br /></p>
<p style="margin-top:12pt;margin-bottom:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">EXHIBIT A</font></p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">FORM OF INDENTURE (INCLUDING FORM OF SUBORDINATED NOTE)</font></p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU25"></a><font style="text-decoration:underline;">EXHIBIT B</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">REGISTRATION RIGHTS AGREEMENT</font><font style="text-decoration:underline;font-weight:normal;"><br /></font></p>
<p style="margin-top:12pt;margin-bottom:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-transform:uppercase;font-weight:normal;font-style:normal;font-size:9pt;font-family:Times New Roman;font-variant: normal;text-indent:7.69%;"><font style="text-decoration:none;"></font>&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU26"></a><font style="text-decoration:underline;">EXHIBIT C</font></p>
<p style="margin-bottom:18pt;text-align:center;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:bold;font-style:normal;text-transform:none;font-variant: normal;"><font style="text-decoration:underline;">OPINION OF COUNSEL</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:justify;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="margin-top:12pt;margin-bottom:0pt;text-indent:0%;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p></body>
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<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>4
<FILENAME>fisi-ex102_16.htm
<DESCRIPTION>EX-10.2
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<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">Exhibit 10.2</p>
<p style="text-align:center;margin-bottom:12pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:11pt;font-variant: small-caps;font-family:Times New Roman;font-style:normal;text-transform:none;">REGISTRATION RIGHTS AGREEMENT</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This REGISTRATION RIGHTS AGREEMENT (the &#8220;<font style="text-decoration:underline;">Agreement</font>&#8221;) is dated as of October 7, 2020 and is made by and among Financial Institutions, Inc. a New York corporation (the &#8220;<font style="text-decoration:underline;">Company</font>&#8221;), and the several purchasers of the Subordinated Notes (as defined below) identified on the signature pages to the Purchase Agreement (as defined below) (collectively, the &#8220;<font style="text-decoration:underline;">Purchasers</font>&#8221;).</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This Agreement is made pursuant to the Subordinated Note Purchase Agreement dated October 7, 2020 by and among the Company and each of the Purchasers (the &#8220;<font style="text-decoration:underline;">Purchase Agreement</font>&#8221;), which provides for the sale by the Company to the Purchasers of $35.0 million in aggregate principal amount of the Company&#8217;s 4.375% Fixed-to-Floating Rate Subordinated Notes due 2030, which were issued on October 7, 2020 (the &#8220;<font style="text-decoration:underline;">Subordinated Notes</font>&#8221;). In order to induce the each of the Purchasers to enter into the Purchase Agreement and in satisfaction of a condition to the Purchasers&#8217; obligations thereunder, the Company has agreed to provide to the Purchasers and their respective direct and indirect transferees and assigns the registration rights set forth in this Agreement. The execution and delivery of this Agreement is a condition to the closing under the Purchase Agreement.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In consideration of the foregoing, the parties hereto agree as follows:</p>
<p style="text-align:left;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265832"></a><font style="text-decoration:underline;">Definitions.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&nbsp;&nbsp;<font style="font-size:11pt;">As used in this Agreement, the following capitalized defined terms shall have the following meanings:</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">1933 Act</font>&#8221; shall mean the Securities Act of 1933, as amended from time to time, and the rules and regulations of the SEC promulgated thereunder.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">1934 Act</font>&#8221; shall mean the Securities Exchange Act of 1934, as amended from time to time, and the rules and regulations of the SEC promulgated thereunder.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Additional Interest</font>&#8221; shall have the meaning set forth in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(e)</font> hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Agreement</font>&#8221; shall have the meaning set forth in the preamble to this Agreement.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Closing Date</font>&#8221; shall mean October 7, 2020.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Company</font>&#8221; shall have the meaning set forth in the preamble to this Agreement and also includes the Company&#8217;s successors.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Depositary</font>&#8221; shall mean The Depository Trust Company, or any other depositary appointed by the Company, including any agent thereof; <font style="font-style:italic;">provided</font>,<font style="font-style:italic;"> however</font>, that any such depositary must at all times have an address in the Borough of Manhattan, The City of New York.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Event Date</font>&#8221; shall have the meaning set forth in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(e)</font>.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Exchange Offer</font>&#8221; shall mean the exchange offer by the Company of Exchange Securities for Registrable Securities pursuant to <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(a)</font> hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Exchange Offer Registration</font>&#8221; shall mean a registration under the 1933 Act effected pursuant to <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(a)</font> hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU2"></a>&#8220;<font style="text-decoration:underline;">Exchange Offer Registration Statement</font>&#8221; shall mean an exchange offer registration statement on Form S-4 (or, if applicable, on another appropriate form) covering the Registrable Securities, and all </p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">amendments and supplements to such registration statement, in each case including the Prospectus contained therein, all exhibits thereto and all material incorporated or deemed to be incorporated by reference therein.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef1"></a><a name="DocXTextRef2_0"></a>&#8220;<font style="text-decoration:underline;">Exchange Securities</font>&#8221; shall mean the 4.375% Fixed-to-Floating Rate Subordinated Notes due 2030 issued by the Company under the Indenture containing terms substantially <a name="DocXTextRef1"></a>identical to the Subordinated Notes (except that (i) interest thereon shall accrue from the last date to which interest has been paid or duly provided for on the Subordinated Notes or, if no such interest has been paid or duly provided for, from the Interest Accrual Date, (ii) provisions relating to an increase in the stated rate of interest thereon upon the occurrence of a Registration Default shall be eliminated, (iii) the transfer restrictions and legends relating to restrictions on ownership and transfer thereof as a result of the issuance of the Subordinated Notes without registration under the 1933 Act shall be eliminated, (iv) the minimum <a name="DocXTextRef2_0"></a>denominations thereof shall be $100,000 and integral multiples of $1,000 and (v) all of the Exchange Securities will be represented by one or more global Exchange Securities in book-entry form unless exchanged for Exchange Securities in definitive certificated form under the circumstances provided in the Indenture) to be offered to Holders of Registrable Securities in exchange for Registrable Securities pursuant to the Exchange Offer.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">FINRA</font>&#8221; shall mean the Financial Industry Regulatory Authority, Inc.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef3_0"></a>&#8220;<font style="text-decoration:underline;">Holders</font><a name="DocXTextRef3_0"></a>&#8221; shall mean (i) the Purchasers, for so long as they own any Registrable Securities, and each of their respective successors, assigns and direct and indirect transferees who become registered owners of Registrable Securities under the Indenture and (ii) each Participating Broker-Dealer that holds Exchange Securities for so long as such Participating Broker-Dealer is required to deliver a prospectus meeting the requirements of the 1933 Act in connection with any resale of such Exchange Securities.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Indenture</font>&#8221; shall mean the indenture, dated as of October 7, 2020 by and between the Company and Wilmington Trust, National Association, as trustee, as the same may be amended or supplemented from time to time in accordance with the terms thereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Interest Accrual Date</font>&#8221; means&nbsp;&nbsp;October 7, 2020.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef4_0"></a>&#8220;<font style="text-decoration:underline;">Majority Holders</font>&#8221; shall mean the Holders of a majority of the aggregate principal amount of Registrable Securities outstanding, excluding Exchange Securities referred to in clause (ii) of the definition of &#8220;Holders&#8221; above; <font style="font-style:italic;">provided</font><a name="DocXTextRef4_0"></a> that whenever the consent or approval of Holders of a specified percentage of Registrable Securities or Exchange Securities is required hereunder, Registrable Securities and Exchange Securities held by the Company or any of its affiliates (as such term is defined in Rule 405 under the 1933 Act) shall be disregarded in determining whether such consent or approval was given by the Holders of such required percentage.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Notifying Broker-Dealer</font>&#8221; shall have the meaning set forth in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(f)</font>.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Participating Broker-Dealer</font>&#8221; shall have the meaning set forth in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(f)</font>.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Person</font>&#8221; shall mean an individual, partnership, joint venture, limited liability company, corporation, trust or unincorporated organization, or a government or agency or political subdivision thereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU3"></a>&#8220;<font style="text-decoration:underline;">Prospectus</font>&#8221; shall mean the prospectus included in a Registration Statement, including any preliminary prospectus, and any such prospectus as amended or supplemented by any prospectus supplement, including a prospectus supplement with respect to the terms of the offering of any portion of the Registrable Securities covered by a Shelf Registration Statement, and by all other amendments and </p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">2</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">supplements to a prospectus, including post-effective amendments, and in each case including all material incorporated or deemed to be incorporated by reference therein.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Purchase Agreement</font>&#8221; shall have the meaning set forth in the preamble to this Agreement.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Purchasers</font>&#8221; shall have the meaning set forth in the preamble of this Agreement.</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef7_0"></a><a name="DocXTextRef5_0"></a><a name="DocXTextRef6_0"></a>&#8220;<font style="text-decoration:underline;">Registrable Securities</font>&#8221; shall mean the Subordinated Notes; <font style="font-style:italic;">provided</font>,<font style="font-style:italic;"> however</font><a name="DocXTextRef7_0"></a>, that any Subordinated Notes shall cease to be Registrable Securities when (i)<a name="DocXTextRef5_0"></a> a Registration Statement with respect to such Subordinated Notes shall have been declared effective under the 1933 Act, (ii) such Subordinated Notes shall have been sold to the public pursuant to Rule 144<a name="DocXTextRef6_0"></a> (or any similar provision then in force, but not Rule 144A) under the 1933 Act, or are eligible to be resold pursuant to Rule 144 without regard to the public information requirements thereunder, (iii) such Subordinated Notes shall have ceased to be outstanding,<font style="font-size:10pt;"> or </font>(iv) such Subordinated Notes have been exchanged for Exchange Securities which have been registered pursuant to the Exchange Offer Registration Statement upon consummation of the Exchange Offer unless, in the case of any Exchange Securities referred to in this clause (v), such Exchange Securities are held by Participating Broker-Dealers or otherwise are not freely tradable by such Participating Broker-Dealers without any limitations or restrictions under the 1933 Act (in which case such Exchange Securities will be deemed to be Registrable Securities until such time as such Exchange Securities are sold to a purchaser in whose hands such Exchange Securities are freely tradeable without any limitations or restrictions under the 1933 Act).</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Registration Default</font>&#8221; shall have the meaning set forth in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(e)</font>.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef8_0"></a><a name="DocXTextRef9_0"></a>&#8220;<font style="text-decoration:underline;">Registration Expenses</font><a name="DocXTextRef8_0"></a>&#8221; shall mean any and all reasonable expenses incident to performance of or compliance by the Company with this Agreement, including without limitation: (i) all SEC, stock exchange, or FINRA registration and filing fees, (ii) all fees and expenses incurred in connection with compliance with state or other securities or blue sky laws and compliance with the rules of FINRA (including reasonable fees and disbursements of one counsel <a name="DocXTextRef9_0"></a>for any Holders in connection with qualification of any of the Exchange Securities or Registrable Securities under state or other securities or blue sky laws and any filing with and review by FINRA), (iii) all expenses of any Persons in preparing, printing and distributing any Registration Statement, any Prospectus, any amendments or supplements thereto, securities sales agreements, certificates representing the Subordinated Notes or Exchange Securities and other documents relating to the performance of and compliance with this Agreement, (iv) all rating agency fees, (v) all fees and expenses incurred in connection with the listing, if any, of any of the Subordinated Notes or Exchange Securities on any securities exchange or exchanges or on any quotation system, (vi) all fees and disbursements relating to the qualification of the Indenture under applicable securities laws, (vii) the fees and disbursements of counsel for the Company and the fees and expenses of independent public accountants for the Company or for any other Person, business or assets whose financial statements are included in any Registration Statement or Prospectus, including the expenses of any special audits or &#8220;cold comfort&#8221; letters required by or incident to such performance and compliance, and (viii) the fees and expenses of the Trustee, any registrar, any depositary, any paying agent, any escrow agent or any custodian, in each case including fees and disbursements of their respective counsel.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Registration Statement</font>&#8221; shall mean any registration statement of the Company relating to any offering of the Exchange Securities or Registrable Securities pursuant to the provisions of this Agreement (including, without limitation, any Exchange Offer Registration Statement and any Shelf Registration Statement), and all amendments and supplements to any such registration statement, including post-effective amendments, in each case including the Prospectus contained therein, all exhibits thereto and all material incorporated or deemed to be incorporated by reference therein.</p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">3</a></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU4"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;</font><font style="text-decoration:underline;">SEC</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8221; shall mean the Securities and Exchange Commission or any successor thereto.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Shelf Registration</font>&#8221; shall mean a registration effected pursuant to Section <font style="color:#000000;">2(b)</font> hereof.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef10"></a>&#8220;<font style="text-decoration:underline;">Shelf Registration Statement</font>&#8221; shall mean a &#8220;shelf&#8221; registration statement of the Company pursuant to the provisions of <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(b)</font><a name="DocXTextRef10"></a> of this Agreement which covers all of the Registrable Securities, as the case may be, on an appropriate form under Rule 415 under the 1933 Act, or any similar rule that may be adopted by the SEC, and all amendments and supplements to such registration statement, including post-effective amendments, in each case including the Prospectus contained therein, all exhibits thereto and all material incorporated or deemed to be incorporated by reference therein.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Subordinated Notes</font>&#8221; shall have the meaning set forth in the preamble to this Agreement.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">TIA</font>&#8221; shall mean the Trust Indenture Act of 1939, as amended from time to time, and the rules and regulations of the SEC promulgated thereunder.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;<font style="text-decoration:underline;">Trustee</font>&#8221; shall mean the trustee with respect to the Subordinated Notes and the Exchange Securities under the Indenture.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef16_0"></a><a name="DocXTextRef11_0"></a><a name="DocXTextRef12_0"></a><a name="DocXTextRef13_0"></a><a name="DocXTextRef14_0"></a><a name="DocXTextRef15_0"></a><a name="DocXTextRef17_0"></a><a name="DocXTextRef16_0"></a>For purposes of this Agreement, (i) all references in this Agreement to any Registration Statement <a name="DocXTextRef11_0"></a>or Prospectus or any amendment or supplement to any of the foregoing shall be deemed to include the copy filed with the SEC pursuant to its Electronic Data Gathering, Analysis and Retrieval system; (ii) all references in this Agreement to financial statements and schedules<a name="DocXTextRef12_0"></a> and other information which is &#8220;contained,&#8221; &#8220;included&#8221; or &#8220;stated&#8221; in any Registration Statement or Prospectus (or other references of like import) shall be deemed to mean and include all such financial statements and schedules and other information which is incorporated or deemed to be incorporated by reference in such Registration Statement or Prospectus, as the case may be; (iii) all references in this Agreement to amendments or supplements to any Registration Statement or Prospectus shall be deemed to mean and include the filing of any document under the 1934 Act which is incorporated or deemed to be incorporated by reference in such Registration Statement <a name="DocXTextRef13_0"></a>or Prospectus, as the case may be; (iv) all references in this Agreement to Rule 144<a name="DocXTextRef14_0"></a>, Rule 144A, Rule 405<a name="DocXTextRef15_0"></a> or Rule 415<a name="DocXTextRef17_0"></a> under the 1933 Act, and all references to any sections or subsections thereof or terms defined therein, shall in each case include any successor provisions thereto; and (v) all references in this Agreement to days (but not to business days) shall mean calendar days.</p>
<p style="text-align:left;margin-bottom:12pt;margin-top:0pt;margin-left:7.69%;text-indent:0%;font-weight:normal;color:#010000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265833"></a><font style="text-decoration:none;">2.</font><font style="text-decoration:none;margin-left:72pt;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Registration Under the 1933 Act.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265834"></a><a name="DocXTextRef19_0"></a><a name="DocXTextRef20_0"></a><a name="DocXTextRef21_0"></a><a name="DocXTextRef22_0"></a><a name="DocXTextRef18_0"></a><a name="_AEIOULastRenderedPageBreakAEIOU5"></a>(a)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Exchange Offer Registration</font><font style="color:#000000;"><a name="DocXTextRef19_0"></a>. The Company shall (A) use its commercially reasonable efforts to file with the SEC on or prior to the 60<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day <a name="DocXTextRef20_0"></a>after the Closing Date an Exchange Offer Registration Statement covering the offer by the Company to the Holders to exchange all of the Registrable Securities for a like aggregate principal amount of Exchange Securities, (B) use its commercially reasonable efforts to cause such Exchange Offer Registration Statement to be declared effective by the SEC no later than the 120<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day after the Closing Date<a name="DocXTextRef21_0"></a>, (C)<a name="DocXTextRef22_0"></a> use its commercially reasonable efforts to cause such Registration Statement to remain effective until the closing of the Exchange Offer and (D)<a name="DocXTextRef18_0"></a> use its commercially reasonable efforts to consummate the Exchange Offer no later than 45 days after the effective date of the Exchange Offer Registration Statement. Upon the effectiveness of the Exchange Offer Registration Statement, the Company shall promptly commence the Exchange Offer, it being the objective of such Exchange Offer to enable each Holder eligible and electing to exchange Registrable Securities for Exchange Securities (assuming that such Holder is not an affiliate of the Company within the meaning of Rule 405 under the 1933 Act, acquires the Exchange Securities in the ordinary course of such Holder&#8217;s business and has no arrangements or understandings with any Person to participate in the Exchange Offer for the purpose of distributing such Exchange Securities) to trade such Exchange Securities from and after their receipt </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">4</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;">without any limitations or restrictions under the 1933 Act or under the securities or blue sky laws of the states of the United States.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with the Exchange Offer, the Company shall:</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265835"></a>(i)<font style="margin-left:108pt;"></font><font style="color:#000000;">promptly mail or otherwise transmit, in compliance with the applicable procedures of the Depositary for such Registrable Securities, to each Holder a copy of the Prospectus forming part of the Exchange Offer Registration Statement, together with an appropriate letter of transmittal and related documents;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265836"></a>(ii)<font style="margin-left:108pt;"></font><font style="color:#000000;">keep the Exchange Offer open for not less than 20 business days (or longer if required by applicable law) after the date notice thereof is mailed to the Holders and, during the Exchange Offer, offer to all Holders who are legally eligible to participate in the Exchange Offer the opportunity to exchange their Registrable Securities for Exchange Securities;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265837"></a>(iii)<font style="margin-left:108pt;"></font><font style="color:#000000;">use the services of the Depositary for the Exchange Offer;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265838"></a>(iv)<font style="margin-left:108pt;"></font><font style="color:#000000;">permit Holders to withdraw tendered Registrable Securities at any time prior to the close of business, Eastern time, on the last business day on which the Exchange Offer shall remain open, by sending to the institution and at the address specified in the Prospectus or the related letter of transmittal or related documents an electronic or facsimile transmission or letter setting forth the name of such Holder, the principal amount of Registrable Securities delivered for exchange, and a statement that such Holder is withdrawing its election to have such Subordinated Notes exchanged;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265839"></a>(v)<font style="margin-left:108pt;"></font><font style="color:#000000;">notify each Holder that any Registrable Security not tendered will remain outstanding and continue to accrue interest, but will not retain any rights under this Agreement (except in the case of Participating Broker-Dealers as provided herein); and</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265840"></a>(vi)<font style="margin-left:108pt;"></font><font style="color:#000000;">otherwise comply in all material respects with all applicable laws relating to the Exchange Offer.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Exchange Securities shall be issued under the Indenture, which shall be qualified under the TIA. The Indenture shall provide that the Exchange Securities and the Subordinated Notes shall vote and consent together on all matters as a single class and shall constitute a single series of debt securities issued under the Indenture.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">As soon as reasonably practicable after the close of the Exchange Offer, the Company shall:</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265841"></a>(i)<font style="margin-left:108pt;"></font><font style="color:#000000;">accept for exchange all Registrable Securities duly tendered and not validly withdrawn pursuant to the Exchange Offer in accordance with the terms of the Exchange Offer Registration Statement and the letter of transmittal which is an exhibit thereto;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265842"></a>(ii)<font style="margin-left:108pt;"></font><font style="color:#000000;">deliver, or cause to be delivered, to the Trustee for cancellation all Registrable Securities so accepted for exchange by the Company; and</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265843"></a>(iii)<font style="margin-left:108pt;"></font><font style="color:#000000;">cause the Trustee promptly to authenticate and deliver Exchange Securities to each Holder of Registrable Securities so accepted for exchange equal in principal amount to the principal amount of the Registrable Securities of such Holder so accepted for exchange.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU6"></a><a name="DocXTextRef24_0"></a><a name="DocXTextRef25_0"></a><a name="DocXTextRef23_0"></a>Interest on each Exchange Security will accrue from the last date on which interest was paid or duly provided for on the Subordinated Notes surrendered in exchange therefor or, if no interest has been </p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">5</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef24_0"></a>paid or duly provided for on such Subordinated Notes, from the Interest Accrual Date. The Exchange Offer shall not be subject to any conditions, other than </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef25_0"></a> that the Exchange Offer, or the making of any exchange by a Holder, does not violate any applicable law or any applicable interpretation of the staff of the SEC, (ii) that no action or proceeding shall have been instituted or threatened in any court or by or before any governmental agency with respect to the Exchange Offer which, in the Company&#8217;s judgment, would reasonably be expected to impair the ability of the Company to proceed with the Exchange Offer, and (iii) that the Holders tender the Registrable Securities to the Company in accordance with the Exchange Offer. Each Holder of Registrable Securities (other than Participating Broker-Dealers) who wishes to exchange such Registrable Securities for Exchange Securities in the Exchange Offer will be required to represent that </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(i)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef23_0"></a> it is not an affiliate (as defined in Rule </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">405</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> under the 1933 Act) of the Company, (ii) any Exchange Securities to be received by it will be acquired in the ordinary course of business, (iii) it has no arrangement with any Person to participate in the distribution (within the meaning of the 1933 Act) of the Exchange Securities, and (iv) it is not acting on behalf of any Person who could not truthfully make the statements set forth in clauses (i), (ii) and (iii) immediately above, and shall be required to make such other representations as may be reasonably necessary under applicable SEC rules, regulations or interpretations to render the use of Form S-4 or another appropriate form under the 1933 Act available.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265844"></a><a name="DocXTextRef30_0"></a><a name="DocXTextRef31"></a><a name="DocXTextRef32_0"></a><a name="DocXTextRef26_0"></a><a name="DocXTextRef27_0"></a><a name="DocXTextRef29_0"></a>(b)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Shelf Registration</font><font style="color:#000000;"><a name="DocXTextRef30_0"></a>. (i) If, because of any change in law or applicable interpretations thereof by the staff of the SEC, the Company is not permitted to effect the Exchange Offer as contemplated by </font><font style="text-decoration:underline;color:#000000;">Section 2(a)</font><font style="color:#000000;"><a name="DocXTextRef31"></a> hereof, or (ii) if for any other reason (A) the Exchange Offer Registration Statement is not declared effective within 120 days following the Closing Date<a name="DocXTextRef32_0"></a> or (B) the Exchange Offer is not consummated within 45 days after effectiveness of the Exchange Offer Registration Statement (</font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;"> that if the Exchange Offer Registration Statement shall be declared effective after <a name="DocXTextRef26_0"></a>such 120-day <a name="DocXTextRef27_0"></a>period or if the Exchange Offer shall be consummated after such 45-day period, then the Company&#8217;s obligations under this clause (ii) arising from the failure of the Exchange Offer Registration Statement to be declared effective within such 120-day p<a name="DocXTextRef29_0"></a>eriod or the failure of the Exchange Offer to be consummated within such 45-day period, respectively, shall terminate), or (iii) if any Holder is not eligible to participate in the Exchange Offer or elects to participate in the Exchange Offer but does not receive Exchange Securities which are freely tradeable without any limitations or restrictions under the 1933 Act, the Company shall, at its cost:</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265845"></a><a name="DocXTextRef33_0"></a><a name="DocXTextRef34_0"></a>(A)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef33_0"></a>use its commercially reasonable efforts to file with the SEC on or prior to (a)<a name="DocXTextRef34_0"></a> the 180th day after the Closing Date or (b) the 60th day after any such filing obligation arises, whichever is later, a Shelf Registration Statement relating to the offer and sale of the Registrable Securities by the Holders from time to time in accordance with the methods of distribution elected by the Majority Holders of such Registrable Securities and set forth in such Shelf Registration Statement;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265846"></a><a name="DocXTextRef35_0"></a><a name="DocXTextRef36"></a>(B)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef35_0"></a>use its commercially reasonable efforts to cause such Shelf Registration Statement to be declared effective by the SEC as promptly as practicable, but in no event later than (a) the 225<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup><a name="DocXTextRef36"></a> day after the Closing Date or (b) the 105<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day after an obligation to file with the SEC a Shelf Registration Statement arises, whichever is later. In the event that the Company is required to file a Shelf Registration Statement pursuant to </font><font style="text-decoration:underline;color:#000000;">clause (iii)</font><font style="color:#000000;"> above, the Company shall file and use its commercially reasonable efforts to have declared effective by the SEC both an Exchange Offer Registration Statement pursuant to </font><font style="text-decoration:underline;color:#000000;">Section 2(a)</font><font style="color:#000000;"> with respect to all Registrable Securities and a Shelf Registration Statement (which may be a combined Registration Statement with the Exchange Offer Registration Statement) with respect to offers and sales of Registrable Securities held by such Holder described in clause (iii) above;</font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">6</a></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265847"></a><a name="_AEIOULastRenderedPageBreakAEIOU7"></a><a name="DocXTextRef37_0"></a><font style="color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(C)</font><font style="margin-left:108pt;"></font><font style="color:#000000;">use its commercially reasonable efforts to keep the Shelf Registration Statement continuously effective, supplemented and amended as required, in order to permit the Prospectus forming part thereof to be usable by Holders for a period of one year after the latest date on which any Subordinated Notes are originally issued by the Company (subject to extension pursuant to the last paragraph of </font><font style="text-decoration:underline;color:#000000;">Section </font><font style="text-decoration:underline;color:#000000;">3</font><font style="color:#000000;"><a name="DocXTextRef37_0"></a>) or, if earlier, when all of the Registrable Securities covered by such Shelf Registration Statement </font><font style="color:#000000;">(i)</font><font style="color:#000000;"> have been sold pursuant to the Shelf Registration Statement in accordance with the intended method of distribution thereunder, or (ii) cease to be Registrable Securities; and</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265848"></a><a name="DocXTextRef38"></a>(D)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef38"></a>notwithstanding any other provisions hereof, use its commercially reasonable efforts to ensure that (i) any Shelf Registration Statement and any amendment thereto and any Prospectus forming a part thereof and any supplements thereto comply in all material respects with the 1933 Act, (ii) any Shelf Registration Statement and any amendment thereto does not, when it becomes effective, contain an untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements therein not misleading and (iii) any Prospectus forming part of any Shelf Registration Statement and any amendment or supplement to such Prospectus does not include an untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading; </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;">,</font><font style="font-style:italic;color:#000000;"> however</font><font style="color:#000000;">, clauses (ii) and (iii) shall not apply to any statement in or omission from a Shelf Registration Statement or a Prospectus made in reliance upon and conformity with information relating to any Holder or Participating Broker-Dealer of Registrable Securities furnished to the Company in writing by such Holder or Participating Broker-Dealer, respectively, expressly for use in such Shelf Registration Statement or Prospectus.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company further agrees, if necessary, to supplement or amend the Shelf Registration Statement if reasonably requested by the Majority Holders with respect to information relating to the Holders and otherwise as required by <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(b)</font> below, to use its commercially reasonable efforts to cause any such amendment to become effective and such Shelf Registration Statement to become usable as soon as reasonably practicable thereafter and to furnish to the Holders of Registrable Securities copies of any such supplement or amendment promptly after its being used or filed with the SEC.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265849"></a>(c)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Expenses</font><font style="color:#000000;">. The Company shall pay all Registration Expenses in connection with the registration pursuant to </font><font style="text-decoration:underline;color:#000000;">Section 2(a)</font><font style="color:#000000;"> and </font><font style="text-decoration:underline;color:#000000;">2(b)</font><font style="color:#000000;"> and, in the case of any Shelf Registration Statement, will reimburse the Holders for the reasonable fees and disbursements of one counsel (in addition to any local counsel) designated in writing by the Majority Holders to act as counsel for the Holders of the Registrable Securities in connection therewith; provided, however, that the Company shall not be responsible for reimbursement for the fees and disbursements of such counsel in an aggregate amount in excess of $10,000. Each Holder shall pay all fees and disbursements of its counsel other than as set forth in the preceding sentence or in the definition of Registration Expenses and all underwriting discounts and commissions and transfer taxes, if any, relating to the sale or disposition of such Holder&#8217;s Registrable Securities pursuant to a Shelf Registration Statement.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265850"></a>(d)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Effective Registration Statement</font><font style="color:#000000;">.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265851"></a><a name="_AEIOULastRenderedPageBreakAEIOU8"></a><a name="DocXTextRef39"></a><a name="DocXTextRef40"></a>(i)<font style="margin-left:108pt;"></font><font style="color:#000000;">The Company shall be deemed not to have used its commercially reasonable efforts to cause the Exchange Offer Registration Statement or any Shelf Registration Statement, as the case may be, to become, or to remain, effective during the requisite periods set forth herein if the Company voluntarily takes any action that could reasonably be expected to result in any such Registration Statement not being declared effective or remaining effective or in the Holders of Registrable Securities (including, under the circumstances contemplated by </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;"> hereof, </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">7</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;"><a name="DocXTextRef39"></a>Exchange Securities) covered thereby not being able to exchange or offer and sell such Registrable Securities during that period unless </font><font style="color:#000000;">(A)</font><font style="color:#000000;"><a name="DocXTextRef40"></a> such action is required by applicable law or </font><font style="color:#000000;">(B)</font><font style="color:#000000;"> such action is taken by the Company in good faith and for valid business reasons (but not including avoidance of the Company&#8217;s obligations hereunder), including, but not limited to, the acquisition or divestiture of assets or a material corporate transaction or event, or if the Company determines in good faith that effecting or maintaining the availability of the registration would materially and adversely affect an offering of securities of the Company or if the Company is in possession of material non-public information the disclosure of which would not be in the best interests of the Company, in each case so long as the Company promptly complies with the notification </font><font style="color:#000000;">requirements of </font><font style="text-decoration:underline;color:#000000;">Section </font><font style="text-decoration:underline;color:#000000;">3(k)</font><font style="color:#000000;"> hereof, if applicable. Nothing in this paragraph shall prevent the accrual of Additional</font><font style="color:#000000;"> Interest on any Registrable Securities or Exchange Securities.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265852"></a>(ii)<font style="margin-left:108pt;"></font><font style="color:#000000;">An Exchange Offer Registration Statement pursuant to </font><font style="text-decoration:underline;color:#000000;">Section 2(a)</font><font style="color:#000000;"> hereof or a Shelf Registration Statement pursuant to </font><font style="text-decoration:underline;color:#000000;">Section 2(b)</font><font style="color:#000000;"> hereof shall not be deemed to have become effective unless it has been declared effective by the SEC; </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;">,</font><font style="font-style:italic;color:#000000;"> however</font><font style="color:#000000;">, that if, after such Registration Statement has been declared effective, the offering of Registrable Securities pursuant to a Registration Statement is interfered with by any stop order, injunction or other order or requirement of the SEC or any other governmental agency or court, such Registration Statement shall be deemed not to have been effective during the period of such interference until the offering of Registrable Securities pursuant to such Registration Statement may legally resume.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265853"></a><a name="DocXTextRef41"></a><a name="DocXTextRef49"></a><a name="DocXTextRef42_0"></a><a name="DocXTextRef43_0"></a><a name="DocXTextRef44_0"></a><a name="DocXTextRef45_0"></a>(iii)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef41"></a>During any 365-day period, the Company may, by notice as described in </font><font style="text-decoration:underline;color:#000000;">Section&#160;3(e)</font><font style="color:#000000;">, suspend the availability of a Shelf Registration Statement (and, if the Exchange Offer Registration Statement is being used in connection with the resale of Exchange Securities by Participating Broker-Dealers as contemplated by </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;">,<a name="DocXTextRef49"></a> the Exchange Offer Registration Statement) and the use of the related Prospectus for up to two periods of up to 60<a name="DocXTextRef42_0"></a> consecutive days each (except for the consecutive 60<a name="DocXTextRef43_0"></a>-day period immediately prior to final maturity of the Subordinated Notes), but no more than an aggregate of 120 days during any 365<a name="DocXTextRef44_0"></a>-day period, upon (a) the happening of any event or the discovery of any fact referred to in </font><font style="text-decoration:underline;color:#000000;">Section 3(e)(vi)</font><font style="color:#000000;">, or<a name="DocXTextRef45_0"></a> (b) if the Company determines in good faith that effecting or maintaining the availability of the registration would materially and adversely affect an offering of securities of the Company or if the Company is in possession of material non-public information the disclosure of which would not be in the best interests of the Company, in each case subject to compliance by the Company with its obligations under the last paragraph of </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;">.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265854"></a>(e)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Increase in Interest Rate</font><font style="color:#000000;">. In the event that:</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265855"></a>(i)<font style="margin-left:108pt;"></font><font style="color:#000000;">the Exchange Offer Registration Statement is not filed with the SEC on or prior to the 60<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day following the Closing Date, or</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265856"></a>(ii)<font style="margin-left:108pt;"></font><font style="color:#000000;">the Exchange Offer Registration Statement is not declared effective by the SEC on or prior to the 120<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day following the Closing Date, or</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265857"></a>(iii)<font style="margin-left:108pt;"></font><font style="color:#000000;">the Exchange Offer is not consummated on or prior to the 45<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day following the effective date of the Exchange Offer Registration Statement, or</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265858"></a><a name="DocXTextRef50"></a><a name="DocXTextRef51"></a>(iv)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef50"></a>if required, a Shelf Registration Statement is not filed with the SEC on or prior to (A) the 180<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup><a name="DocXTextRef51"></a> day following the Closing Date or (B) the 60<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup> day after the obligation to file with the SEC a Shelf Registration Statement arises, whichever is later, or</font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">8</a></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265859"></a><a name="_AEIOULastRenderedPageBreakAEIOU9"></a><a name="DocXTextRef52"></a><a name="DocXTextRef53"></a><font style="color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(v)</font><font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef52"></a>if required, a Shelf Registration Statement is not declared effective on or prior to </font><font style="color:#000000;">(a)</font><font style="color:#000000;"> the 225</font><font style="color:#000000;"><sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup></font><font style="color:#000000;"><a name="DocXTextRef53"></a> day following the Closing Date or </font><font style="color:#000000;">(b)</font><font style="color:#000000;"> the 105</font><font style="color:#000000;"><sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup></font><font style="color:#000000;"> day after an obligation to file with the SEC a Shelf Registration Statement arises, whichever is later, or</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265860"></a><a name="DocXTextRef57_0"></a><a name="DocXTextRef54_0"></a><a name="DocXTextRef58"></a><a name="DocXTextRef55"></a><a name="DocXTextRef59"></a><a name="DocXTextRef56_0"></a>(vi)<font style="margin-left:108pt;"></font><font style="color:#000000;">a Shelf Registration Statement is declared effective by the SEC but such Shelf Registration Statement ceases to be effective or such Shelf Registration Statement or the Prospectus included therein ceases to be usable in connection with resales of Registrable Securities for any reason<a name="DocXTextRef57_0"></a> and (A)<a name="DocXTextRef54_0"></a> the aggregate number of days in any consecutive 365<a name="DocXTextRef58"></a>-day period for which the Shelf Registration Statement or such Prospectus shall not be effective or usable exceeds 120 days, (B)<a name="DocXTextRef55"></a> the Shelf Registration Statement or such Prospectus shall not be effective or usable for more than two periods (regardless of duration) in any consecutive 365<a name="DocXTextRef59"></a>-day period or (C)<a name="DocXTextRef56_0"></a> the Shelf Registration Statement or such Prospectus shall not be effective or usable for a period of more than 90 consecutive days, or</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265861"></a><a name="DocXTextRef60"></a><a name="DocXTextRef64"></a><a name="DocXTextRef61"></a><a name="DocXTextRef65"></a><a name="DocXTextRef62"></a><a name="DocXTextRef66"></a><a name="DocXTextRef63"></a>(vii)<font style="margin-left:108pt;"></font><font style="color:#000000;">the Exchange Offer Registration Statement is declared effective by the SEC but, if the Exchange Offer Registration Statement is being used in connection with the resale of Exchange Securities as contemplated by </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;"> of this Agreement, the Exchange Offer Registration Statement ceases to be effective or the Exchange Offer Registration Statement or the Prospectus included therein ceases to be usable in connection with resales of Exchange Securities for any reason<a name="DocXTextRef60"></a> during the 180-day period referred to in </font><font style="text-decoration:underline;color:#000000;">Section 3(f)(B)</font><font style="color:#000000;"> of this Agreement (as such period may be extended pursuant to the last paragraph of </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;"><a name="DocXTextRef64"></a> of this Agreement) and (A)<a name="DocXTextRef61"></a> the aggregate number of days in any consecutive 365<a name="DocXTextRef65"></a>-day period for which the Exchange Offer Registration Statement or such Prospectus shall not be effective or usable exceeds 120 days, (B)<a name="DocXTextRef62"></a> the Exchange Offer Registration Statement or such Prospectus shall not be effective or usable for more than two periods (regardless of duration) in any consecutive 365<a name="DocXTextRef66"></a>-day period or (C)<a name="DocXTextRef63"></a> the Exchange Offer Registration Statement or the Prospectus shall not be effective or usable for a period of more than 90 consecutive days,</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef69_0"></a><a name="DocXTextRef70_0"></a><a name="DocXTextRef71_0"></a><a name="DocXTextRef72_0"></a><a name="DocXTextRef73_0"></a><a name="DocXTextRef74_0"></a><a name="DocXTextRef75"></a><a name="DocXTextRef76"></a><a name="DocXTextRef77_0"></a><a name="DocXTextRef78"></a><a name="DocXTextRef79"></a><a name="DocXTextRef80_0"></a><a name="_AEIOULastRenderedPageBreakAEIOU10"></a><a name="DocXTextRef81_0"></a><a name="DocXTextRef82_0"></a><a name="DocXTextRef83"></a><a name="DocXTextRef84"></a><a name="DocXTextRef85"></a><a name="DocXTextRef86_0"></a><a name="DocXTextRef87_0"></a>(each of the events referred to in clauses (i) through (vii) above being hereinafter called a &#8220;<font style="text-decoration:underline;">Registration Default</font>&#8221;), the per annum interest rate borne by the Registrable Securities shall be increased (&#8220;<font style="text-decoration:underline;">Additional Interest</font>&#8221;) by one-quarter of one percent (0.25%) per annum imm<a name="DocXTextRef69_0"></a>ediately following such 60<a name="DocXTextRef70_0"></a>-day period in the case of clause (i) above, immediately following such 120-day<a name="DocXTextRef71_0"></a> period in the case of clause (ii) above, immediately following such 45<a name="DocXTextRef72_0"></a>-day period in the case of clause (iii) above, immediately following any such 180<a name="DocXTextRef73_0"></a>-day period or 60<a name="DocXTextRef74_0"></a>-day period, whichever ends later, in the case of clause (iv) above, immediately following any such 225<a name="DocXTextRef75"></a>-day period or 105-day period, as applicable, in the case of clause (v) above, immediately following the 120<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup><a name="DocXTextRef76"></a> day in any consecutive 365<a name="DocXTextRef77_0"></a>-day period, as of the first day of the third period in any consecutive 365-day period or immediately following the 90th consecutive day, whichever occurs first, that a Shelf Registration Statement shall not be effective or a Shelf Registration Statement or the Prospectus included therein shall not be usable as contemplated by clause (vi) above, or immediately following the 120<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup><a name="DocXTextRef78"></a> day in any consecutive 365<a name="DocXTextRef79"></a>-day period, as of the first day of the third period in any consecutive 365-day period or immediately following the 90<sup style="font-size:85%;line-height:120%;vertical-align:top">th</sup><a name="DocXTextRef80_0"></a> consecutive day, whichever occurs first, that the Exchange Offer Registration Statement shall not be effective or the Exchange Offer Registration Statement or the Prospectus included therein shall not be usable as contemplated by clause (vii) above, which rate will be increased by an additional one-quarter of one percent (0.25%) per annum immediately following each 90-day period that any Additional Interest continues to accrue under any circumstances; <font style="font-style:italic;">provided</font> that, if at any time more than one Registration Default has occurred and is continuing, then, until the next date that there is no Registration Default, the increase in interest rate provided for by this paragraph shall apply as if there occurred a single Registration Default that begins on the date that the earliest such Registration Default occurred and ends on such date that there is no Registration Default; <font style="font-style:italic;">provided further</font>, that the aggregate increase in such annual interest rate may in no event exceed one-half of one percent </p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">9</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(0.50%)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">per annum. </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef81_0"></a>Upon the filing of the Exchange Offer Registration Statement after the </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">60</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">-day period described in clause</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> (i) above, the effectiveness of the Exchange Offer Registration </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef82_0"></a>Statement after the </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">120</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">-day </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef83"></a>period described in clause (ii) above, the consummation of the Exchange Offer after the </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">45</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef84"></a>-day period described in clause (iii) above, the filing of the Shelf Registration Statement after the </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">180</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef85"></a>-day period or </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">60</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef86_0"></a>-day period, as the case may be, described in clause (iv) above, the effectiveness of a Shelf Registration Statement after the </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">225</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef87_0"></a>-day period or </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">105</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">-day period, as applicable, described in clause (v) above, or the Shelf Registration Statement once again being effective or the Shelf Registration Statement and the Prospectus included therein becoming usable in connection with resales of Registrable Securities, as the case may be, in the case of clause (vi) above, or the Exchange Offer Registration Statement once again becoming effective or the Exchange Offer Registration Statement and the Prospectus included therein becoming usable in connection with resales of Exchange Securities, as the case may be, in the case of clause (vii) thereof, the interest rate borne by the Subordinated Notes from the date of such filing, effectiveness, consummation or resumption of effectiveness or usability, as the case may be, shall be reduced to the original interest rate so long as no other Registration Default shall have occurred and shall be continuing at such time and the Company is otherwise in compliance with this paragraph; </font><font style="font-style:italic;">provided</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">,</font><font style="font-style:italic;"> however</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, that, if after any such reduction in interest rate, one or more Registration Defaults shall again occur, the interest rate shall again be increased pursuant to the foregoing provisions (as if it were the original Registration Default). Notwithstanding anything in this Agreement to the contrary, the Company will not be obligated to pay any Additional Interest in the case of a Shelf Registration Statement with respect</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> to any Holder of Registrable Securities who fails to timely provide all information with respect to </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">the </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Holder that is reasonably requested by the Company to enable it to timely comply with its obligations under </font><font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(b)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company shall notify the Trustee within three business days after each and every date on which an event occurs in respect of which Additional Interest is required to be paid (an &#8220;<font style="text-decoration:underline;">Event Date</font>&#8221;). Additional Interest shall be paid by depositing with the Trustee, in trust, for the benefit of the Holders of Registrable Securities, on or before the applicable interest payment date, immediately available funds in sums sufficient to pay the Additional Interest then due. The Additional Interest due shall be payable on each interest payment date to the record Holder of Registrable Securities entitled to receive the interest payment to be paid on such date as set forth in the Indenture. Each obligation to pay Additional Interest shall be deemed to accrue from and including the day following the applicable Event Date.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Anything herein to the contrary notwithstanding, any Holder who was, at the time the Exchange Offer was pending and consummated, eligible to exchange, and did not validly tender, its Subordinated Notes for Exchange Securities in the Exchange Offer will not be entitled to receive any Additional Interest.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265862"></a>(f)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Specific Enforcement</font><font style="color:#000000;">. Without limiting the remedies available to the Holders or any Participating Broker-Dealer, the Company acknowledges that any failure by the Company to comply with its obligations under Sections </font><font style="text-decoration:underline;color:#000000;">2(a)</font><font style="color:#000000;"> and </font><font style="text-decoration:underline;color:#000000;">2(b)</font><font style="color:#000000;"> hereof may result in material irreparable injury to the Holders or the Participating Broker-Dealers for which there is no adequate remedy at law, that it will not be possible to measure damages for such injuries precisely and that, in the event of any such failure, any Holder and any Participating Broker-Dealer may obtain such relief as may be required to specifically enforce the Company&#8217;s obligations under Sections </font><font style="text-decoration:underline;color:#000000;">2(a)</font><font style="color:#000000;"> and </font><font style="text-decoration:underline;color:#000000;">2(b)</font><font style="color:#000000;">.</font></p>
<p style="text-align:left;margin-bottom:12pt;margin-top:0pt;text-indent:7.69%;color:#010000;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265863"></a><font style="text-decoration:underline;">Registration Procedures. </font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with the obligations of the Company with respect to the Registration Statements pursuant to Sections 2(a) and 2(b) hereof, the Company shall:</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265864"></a><a name="DocXTextRef95_0"></a><a name="_AEIOULastRenderedPageBreakAEIOU11"></a>(a)<font style="margin-left:72pt;"></font><font style="color:#000000;">prepare and file with the SEC a Registration Statement or, if required, Registration Statements, within the time periods specified in </font><font style="text-decoration:underline;color:#000000;">Section 2</font><font style="color:#000000;"><a name="DocXTextRef95_0"></a>, on the appropriate form under the 1933 Act, which form (i) shall be selected by the Company, (ii) shall, in the case of a Shelf Registration Statement, be available for the sale of the Registrable Securities by the selling Holders thereof and (iii) shall comply </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">10</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;">as to form in all material respects with the requirements of the applicable form and include or incorporate by reference all financial statements required by the SEC to be filed therewith or incorporated by reference therein, and use its commercially reasonable efforts to cause such Registration Statement to become effective and remain effective for the applicable period in accordance with </font><font style="text-decoration:underline;color:#000000;">Section </font><font style="text-decoration:underline;color:#000000;">2</font><font style="color:#000000;"> hereof;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265865"></a><a name="DocXTextRef98"></a>(b)<font style="margin-left:72pt;"></font><font style="color:#000000;">prepare and file with the SEC such amendments and post-effective amendments to each Registration Statement as may be necessary under applicable law to keep such Registration Statement effective for the applicable period in accordance with </font><font style="text-decoration:underline;color:#000000;">Section 2</font><font style="color:#000000;"><a name="DocXTextRef98"></a> hereof; cause each Prospectus to be supplemented by any required prospectus supplement, and as so supplemented to be filed pursuant to Rule 424 under the 1933 Act; and comply with the provisions of the 1933 Act and the 1934 Act with respect to the disposition of all Registrable Securities covered by each Registration Statement during the applicable period in accordance with the intended method or methods of distribution by the selling Holders thereof;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265866"></a><a name="DocXTextRef101_0"></a><a name="DocXTextRef100_0"></a>(c)<font style="margin-left:72pt;"></font><font style="color:#000000;"><a name="DocXTextRef101_0"></a>in the case of a Shelf Registration, (i) notify each Holder of Registrable Securities, at least five business days <a name="DocXTextRef100_0"></a>prior to filing, that a Shelf Registration Statement with respect to the Registrable Securities is being filed and advising such Holders that the distribution of Registrable Securities will be made in accordance with the method elected by the Majority Holders; (ii) furnish to each Holder of Registrable Securities and counsel for the Holders, without charge, as many copies of each Prospectus and any amendment or supplement thereto and such other documents as such Holder or counsel may reasonably request, including financial statements and schedules and, if such Holder or counsel so requests, all exhibits (including those incorporated by reference) in order to facilitate the public sale or other disposition of the Registrable Securities; and (iii) subject to the penultimate paragraph of this </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;">, the Company hereby consents to the use of the Prospectus or any amendment or supplement thereto by each of the Holders of Registrable Securities in accordance with applicable law in connection with the offering and sale of the Registrable Securities covered by and in the manner described in any Prospectus or any amendment or supplement thereto;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265867"></a><a name="DocXTextRef103"></a>(d)<font style="margin-left:72pt;"></font><font style="color:#000000;">use its commercially reasonable efforts to register or qualify the Registrable Securities under all applicable state securities or &#8220;blue sky&#8221; laws of such jurisdictions as any Holder of Registrable Securities covered by a Registration Statement shall reasonably request, to cooperate with the Holders of any Registrable Securities in connection with any filings required to be made with FINRA, to keep each such registration or qualification effective during the period such Registration Statement is required to be effective and do any and all other acts and things which may be reasonably necessary or advisable to enable such Holder to consummate the disposition in each such jurisdiction of such Registrable Securities owned by such Holder; </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;">,</font><font style="font-style:italic;color:#000000;"> however</font><font style="color:#000000;"><a name="DocXTextRef103"></a>, that the Company shall not be required to (i) qualify as a foreign corporation or entity or as a dealer in securities in any jurisdiction where it would not otherwise be required to qualify but for this </font><font style="text-decoration:underline;color:#000000;">Section 3(d)</font><font style="color:#000000;"> or (ii) take any action which would subject it to general service of process or taxation in any such jurisdiction if it is not then so subject;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266166"></a><a name="_Ref522265868"></a>(e)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, notify each Holder of Registrable Securities and counsel for such Holders promptly and, if requested by such Holder or counsel, confirm such advice in writing promptly </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266167"></a>(i)<font style="margin-left:108pt;"></font><font style="color:#000000;">when a Registration Statement has become effective and when any post-effective amendments and supplements thereto become effective, </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266168"></a><a name="DocXTextRef105"></a>(ii)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef105"></a>of any request by the SEC or any state securities authority for post-effective amendments or supplements to a Registration Statement or Prospectus or for additional information after a Registration Statement has become effective (other than comments to 1934 Act reports incorporated therein by reference), </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">11</a></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266169"></a><a name="_AEIOULastRenderedPageBreakAEIOU12"></a><font style="color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(iii)</font><font style="margin-left:108pt;"></font><font style="color:#000000;">of the issuance by the SEC or any state securities authority of any stop order suspending the effectiveness of a Registration Statement or the initiation of any proceedings for that purpose,</font><font style="color:#000000;"> </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266170"></a>(iv)<font style="margin-left:108pt;"></font><font style="color:#000000;">[</font><font style="font-style:italic;color:#000000;">reserved</font><font style="color:#000000;">], </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266171"></a>(v)<font style="margin-left:108pt;"></font><font style="color:#000000;">of the receipt by the Company of any notification with respect to the suspension of the qualification of the Registrable Securities for sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose, </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266172"></a>(vi)<font style="margin-left:108pt;"></font><font style="color:#000000;">of the happening of any event or the discovery of any facts during the period a Shelf Registration Statement is effective which is contemplated in </font><font style="text-decoration:underline;color:#000000;">Section 2(d)(i)</font><font style="color:#000000;"> or which makes any statement made in such Shelf Registration Statement or the related Prospectus untrue in any material respect or which constitutes an omission to state a material fact in such Shelf Registration Statement or Prospectus, and </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522266173"></a>(vii)<font style="margin-left:108pt;"></font><font style="color:#000000;">of any determination by the Company that a post-effective amendment to a Registration Statement would be appropriate. </font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Without limitation to any other provisions of this Agreement, the Company agrees that this Section 3(e) shall also be applicable, mutatis mutandis, with respect to the Exchange Offer Registration Statement and the Prospectus included therein to the extent that such Prospectus is being used by Participating Broker-Dealers as contemplated by <font style="text-decoration:underline;">Section 3(f)</font>;</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265869"></a><a name="DocXTextRef110"></a><a name="DocXTextRef109"></a><a name="DocXTextRef111"></a>(f)<font style="margin-left:72pt;"></font><font style="color:#000000;"><a name="DocXTextRef110"></a>(A)&#160;&#160;&#160;&#160; in the case of an Exchange Offer, (i)<a name="DocXTextRef109"></a> include in the Exchange Offer Registration Statement (1) a &#8220;Plan of Distribution&#8221; section covering the use of the Prospectus included in the Exchange Offer Registration Statement by broker-dealers who have exchanged their Registrable Securities for Exchange Securities for the resale of such Exchange Securities and (2) a statement to the effect that any such broker-dealers who wish to use the related Prospectus in connection with the resale of Exchange Securities acquired as a result of market-making or other trading activities will be required to notify the Company to that effect, together with instructions for giving such notice (which instructions shall include a provision for giving such notice by checking a box or making another appropriate notation on the related letter of transmittal) (each such broker-dealer who gives notice to the Company as aforesaid being hereinafter called a &#8220;</font><font style="text-decoration:underline;color:#000000;">Notifying Broker-Dealer</font><font style="color:#000000;">&#8221;), (ii) furnish to each Notifying Broker-Dealer who desires to participate in the Exchange Offer, without charge, as many copies of each Prospectus included in the Exchange Offer Registration Statement and any amendment or supplement thereto, as such broker-dealer may reasonably request, (iii) include in the Exchange Offer Registration Statement a statement that any broker-dealer who holds Registrable Securities acquired for its own account as a result of market-making activities or other trading activities (a &#8220;</font><font style="text-decoration:underline;color:#000000;">Participating Broker-Dealer</font><font style="color:#000000;">&#8221;), and who receives Exchange Securities for Registrable Securities pursuant to the Exchange Offer, may be a statutory underwriter and must deliver a prospectus meeting the requirements of the 1933 Act in connection with any resale of such Exchange Securities, (iv) subject to the penultimate paragraph of this </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;">, the<a name="DocXTextRef111"></a> Company hereby consents to the use of the Prospectus forming part of the Exchange Offer Registration Statement or any amendment or supplement thereto by any Notifying Broker-Dealer in accordance with applicable law in connection with the sale or transfer of Exchange Securities, and (v) include in the transmittal letter or similar documentation to be executed by an exchange offeree in order to participate in the Exchange Offer the following provision:</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:15.38%;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU13"></a>&#8220;If the undersigned is not a broker-dealer, the undersigned represents that it is not engaged in, and does not intend to engage in, a distribution of Exchange Securities. If the undersigned is a broker-dealer that will receive Exchange Securities for its own account in </p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">12</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:15.38%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">exchange for Registrable Securities, it represents that the Registrable Securities to be exchanged for Exchange Securities were acquired by it as a result of market-making activities or other trading activities and acknowledges that it will deliver a prospectus meeting the requirements of the 1933 Act in connection with any resale of such Exchange Securities pursuant to the Exchange Offer; however, by so acknowledging and by delivering a prospectus, the undersigned will not be deemed to admit that it is an &#8220;underwriter&#8221; within the meaning of the 1933 Act;&#8221;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265870"></a><a name="DocXTextRef124"></a>(B)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef124"></a>to the extent any Notifying Broker-Dealer participates in the Exchange Offer, (i) the Company shall use its commercially reasonable efforts to maintain the effectiveness of the Exchange Offer Registration Statement for a period of 180 days (subject to extension pursuant to the last paragraph of this </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;">) following the last date on which exchanges are accepted pursuant to the Exchange Offer, and (ii) the Company will comply, insofar as relates to the Exchange Offer Registration Statement, the Prospectus included therein and the offering and sale of Exchange Securities pursuant thereto, with its obligations under </font><font style="text-decoration:underline;color:#000000;">Section 2(b)(iii)(D)</font><font style="color:#000000;">, the last paragraph of </font><font style="text-decoration:underline;color:#000000;">Section 2(b)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">Section 3(c)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(d)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(e)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(g)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(i)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(j)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(k)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(o)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(p)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(q)</font><font style="color:#000000;">, </font><font style="text-decoration:underline;color:#000000;">3(r)</font><font style="color:#000000;"> and </font><font style="text-decoration:underline;color:#000000;">3(s)</font><font style="color:#000000;">, and the last three paragraphs of this </font><font style="text-decoration:underline;color:#000000;">Section&#160;3</font><font style="color:#000000;"> as if all references therein to a Shelf Registration Statement, the Prospectus included therein and the Holders of Registrable Securities referred, mutatis mutandis, to the Exchange Offer Registration Statement, the Prospectus included therein and the applicable Notifying Broker-Dealers and, for purposes of this </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;">, all references in any such paragraphs or sections to the &#8220;</font><font style="text-decoration:underline;color:#000000;">Majority Holders</font><font style="color:#000000;">&#8221; shall be deemed to mean, solely insofar as relates to this </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;">, the Notifying Broker-Dealers who are the Holders of the majority in aggregate principal amount of the Exchange Securities which are Registrable Securities; and</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265871"></a><a name="DocXTextRef131"></a>(C)<font style="margin-left:108pt;"></font><font style="color:#000000;">the Company shall not be required to amend or supplement the Prospectus contained in the Exchange Offer Registration Statement as would otherwise be contemplated by </font><font style="text-decoration:underline;color:#000000;">Section 3(b)</font><font style="color:#000000;"><a name="DocXTextRef131"></a> or </font><font style="text-decoration:underline;color:#000000;">3(k)</font><font style="color:#000000;"> hereof, or take any other action as a result of this </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;">, for a period exceeding 180 days (subject to extension pursuant to the last paragraph of this </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;">) after the last date on which exchanges are accepted pursuant to the Exchange Offer and Notifying Broker-Dealers shall not be authorized by the Company to, and shall not, deliver such Prospectus after such period in connection with resales contemplated by this </font><font style="text-decoration:underline;color:#000000;">Section 3</font><font style="color:#000000;">;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265872"></a><a name="DocXTextRef136"></a>(g)<font style="margin-left:72pt;"></font><font style="color:#000000;"><a name="DocXTextRef136"></a>in the case of a Shelf Registration, furnish counsel for the Holders of Registrable Securities copies of any request by the SEC or any state securities authority for amendments or supplements to a Registration Statement or Prospectus or for additional information (other than comments to 1934 Act reports incorporated therein by reference);</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265873"></a>(h)<font style="margin-left:72pt;"></font><font style="color:#000000;">use its commercially reasonable efforts to obtain the withdrawal of any order suspending the effectiveness of a Registration Statement as soon as practicable and provide immediate notice to each Holder of the withdrawal of any such order;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265874"></a>(i)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, upon request furnish to each Holder of Registrable Securities, without charge, at least one conformed copy of each Registration Statement and any post-effective amendments thereto (without documents incorporated or deemed to be incorporated therein by reference or exhibits thereto, unless requested);</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265875"></a><a name="_AEIOULastRenderedPageBreakAEIOU14"></a>(j)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, cooperate with the selling Holders of Registrable Securities to facilitate the timely preparation and delivery of certificates representing Registrable Securities to be sold and not bearing any restrictive legends; and cause such Registrable Securities to be in such denominations (consistent with the provisions of the Indenture) and in a form eligible for deposit with the </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">13</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;">Depositary and registered in such names as the selling Holders may reasonably request in writing at least two business days prior to the closing of any sale of Registrable Securities;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265876"></a>(k)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, upon the occurrence of any event or the discovery of any facts as contemplated by </font><font style="text-decoration:underline;color:#000000;">Section 3(e)(vi)</font><font style="color:#000000;"> hereof, use its commercially reasonable efforts to prepare a supplement or post-effective amendment to a Registration Statement or the related Prospectus or any document incorporated or deemed to be incorporated therein by reference or file any other required document so that, as thereafter delivered to the purchasers of the Registrable Securities, such Prospectus will not contain at the time of such delivery any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading. The Company agrees to notify each Holder to suspend use of the Prospectus as promptly as practicable after the occurrence of such an event, and each Holder hereby agrees to suspend use of the Prospectus until the Company has amended or supplemented the Prospectus to correct such misstatement or omission. At such time as such public disclosure is otherwise made or the Company determines that such disclosure is not necessary, in each case to correct any misstatement of a material fact or to include any omitted material fact, the Company agrees promptly to notify each Holder of such determination and to furnish each Holder such number of copies of the Prospectus, as amended or supplemented, as such Holder may reasonably request;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265877"></a>(l)<font style="margin-left:72pt;"></font><font style="color:#000000;">obtain CUSIP and ISIN numbers for all Exchange Securities or Registrable Securities, as the case may be, not later than the effective date of a Registration Statement, and provide the Trustee with printed or word-processed certificates for the Exchange Securities or Registrable Securities, as the case may be, in a form eligible for deposit with the Depositary;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265878"></a>(m)<font style="margin-left:72pt;"></font><font style="color:#000000;">(i) cause the Indenture to be qualified under the TIA in connection with the registration of the Exchange Securities or Registrable Securities, as the case may be, (ii) cooperate with the Trustee and the Holders to effect such changes, if any, to the Indenture as may be required for the Indenture to be so qualified in accordance with the terms of the TIA and (iii) execute, and use its commercially reasonable efforts to cause the Trustee to execute, all documents as may be required to effect such changes, if any, and all other forms and documents required to be filed with the SEC to enable the Indenture to be so qualified in a timely manner;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265879"></a>(n)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, upon request make available for inspection by representatives of the Holders of the Registrable Securities participating in any disposition pursuant to a Shelf Registration Statement and any one counsel or accountant retained by such Holders (with such inspection to occur at such time as mutually agreed between the Company and such Persons), all financial statements and other records, documents and properties of the Company reasonably requested by any such Persons, and cause the respective officers, directors, employees, and any other agents of the Company to supply all information reasonably requested by any such Persons in connection with a Shelf Registration Statement; provided, that any such Persons shall be required to execute a customary confidentiality agreement;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265880"></a><a name="_AEIOULastRenderedPageBreakAEIOU15"></a>(o)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, a reasonable time prior to filing any Shelf Registration Statement, any Prospectus forming a part thereof, any amendment to such Shelf Registration Statement or amendment or supplement to such Prospectus, provide copies of such document to the Holders of Registrable Securities and to counsel for any such Holders, and make such changes in any such document prior to the filing thereof as the Holders of Registrable Securities, or any of their counsel may reasonably request, and cause the representatives of the Company to be available for discussion of such documents as shall be reasonably requested by the Holders of Registrable Securities and shall not at any time make any filing of any such document of which such Holders or their counsel shall not have previously been advised </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">14</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;">and furnished a copy or to which such Holders or their counsel shall reasonably object within a reasonable time period;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265881"></a>(p)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, use its commercially reasonable efforts to cause all Registrable Securities to be listed on any securities exchange on which similar debt securities issued by the Company are then listed if requested by the Majority Holders;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265882"></a>(q)<font style="margin-left:72pt;"></font><font style="color:#000000;">in the case of a Shelf Registration, use its commercially reasonable efforts to cause the Registrable Securities to be rated by the same rating agency that initially rated the Subordinated Notes, if so requested by the Majority Holders of Registrable Securities, unless the Registrable Securities are already so rated;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265883"></a><a name="DocXTextRef138"></a><a name="DocXTextRef140"></a><a name="DocXTextRef139"></a>(r)<font style="margin-left:72pt;"></font><font style="color:#000000;">otherwise use its commercially reasonable efforts to comply <a name="DocXTextRef138"></a>with all applicable rules and regulations of the SEC and, with respect to each Registration Statement and each post-effective amendment, if any, thereto and each filing by the Company of an Annual Report on Form 10<a name="DocXTextRef140"></a>-K, make available to its security holders, as soon as reasonably practicable, an earnings statement covering at least twelve months which shall satisfy the provisions of Section 11(a)<a name="DocXTextRef139"></a> of the 1933 Act and Rule 158 thereunder; and</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265884"></a>(s)<font style="margin-left:72pt;"></font><font style="color:#000000;">cooperate and assist in any filings required to be made with FINRA.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In the case of a Shelf Registration Statement, the Company may (as a condition to such Holder&#8217;s participation in the Shelf Registration) require each Holder of Registrable Securities to furnish to the Company such information regarding such Holder and the proposed distribution by such Holder of such Registrable Securities as the Company may from time to time reasonably request in writing and require such Holder to agree in writing to be bound by all provisions of this Agreement applicable to such Holder.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef144"></a>In the case of a Shelf Registration Statement, each Holder agrees and, in the event that any Participating Broker-Dealer is using the Prospectus included in the Exchange Offer Registration Statement in connection with the sale of Exchange Securities pursuant to <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(f)</font>, each such Participating Broker-Dealer agrees that, upon receipt of any notice from the Company of the happening of any event or the discovery of any facts of the kind described in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(e)(ii)</font>, <font style="text-decoration:underline;color:#000000;">3(e)(iii)</font> or <font style="text-decoration:underline;color:#000000;">3(e)(v)</font> through <font style="text-decoration:underline;">3(e)(vii)</font> hereof, such Holder or Participating Broker-Dealer, as the case may be, will forthwith discontinue disposition of Registrable Securities pursuant to a Registration Statement until receipt by such Holder or Participating Broker<a name="DocXTextRef144"></a>-Dealer, as the case may be, of (i) the copies of the supplemented or amended Prospectus contemplated by <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(k)</font> hereof or (ii) written notice from the Company that the Shelf Registration Statement or the Exchange Offer Registration Statement, respectively, are once again effective or that no supplement or amendment is required. If so directed by the Company, such Holder or Participating Broker-Dealer, as the case may be, will deliver to the Company (at the Company&#8217;s expense) all copies in its possession, other than permanent file copies then in its possession, of the Prospectus covering such Registrable Securities current at the time of receipt of such notice. Nothing in this paragraph shall prevent the accrual of Additional Interest on any Registrable Securities.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef148_0"></a><a name="_AEIOULastRenderedPageBreakAEIOU16"></a>If the Company shall give any such notice to suspend the disposition of Registrable Securities pursuant to the immediately preceding paragraph, the Company shall be deemed to have used its commercially reasonable efforts to keep the Shelf Registration Statement or, in the case of <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(f)</font>, the Exchange Offer Registration Statement, as the case may be, effective during such period of suspension; <font style="font-style:italic;">provided</font><a name="DocXTextRef148_0"></a> that (i) such period of suspension shall not exceed the time periods provided in <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">2(d)(iii)</font> hereof and (ii) the Company shall use its commercially reasonable efforts to file and have declared effective (if an amendment) as soon as practicable thereafter an amendment or supplement to the Shelf Registration Statement or the Exchange Offer Registration Statement or both, as the case may be, or the Prospectus included therein and shall extend the period during which the Shelf Registration Statement or the Exchange </p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">15</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Offer Registration Statement or both, as the case may be, shall be maintained effective pursuant to this Agreement (and, if applicable, the period during which Participating Broker-Dealers may use the Prospectus included in the Exchange Offer Registration Statement </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">pursuant to </font><font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">3(f)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> hereof)</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> by the number of days during the period from and including the date of the giving of such notice to and including the earlier of the date when the Holders or Participating Broker-Dealers, respectively, shall have received copies of the supplemented or amended Prospectus necessary to resume such dispositions and the effective date of written notice from the Company to the Holders or Participating Broker-Dealers, respectively, that the Shelf Registration Statement or the Exchange Offer Registration Statement, respectively, are once again effective or that no supplement or amendment is required.</font></p>
<p style="text-align:left;margin-bottom:12pt;margin-top:0pt;margin-left:7.69%;text-indent:0%;color:#010000;font-weight:bold;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265885"></a><font style="text-decoration:none;">4.</font><font style="text-decoration:none;margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Indemnification and Contribution.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265886"></a><a name="DocXTextRef152_0"></a><a name="DocXTextRef153"></a>(a)<font style="margin-left:72pt;"></font><font style="color:#000000;"><a name="DocXTextRef152_0"></a>The Company agrees to indemnify and hold harmless each Holder, each Participating Broker-Dealer and each Person, if any, who controls any Holder or Participating Broker-Dealer within the meaning of either Section 15<a name="DocXTextRef153"></a> of the 1933 Act or Section 20 of the 1934 Act, as follows:</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265887"></a>(i)<font style="margin-left:108pt;"></font><font style="color:#000000;">against any and all loss, liability, claim, damage and expense whatsoever, as incurred, arising out of any untrue statement or alleged untrue statement of a material fact contained in any Registration Statement (or any amendment thereto) pursuant to which Exchange Securities or Registrable Securities were registered under the 1933 Act, including all documents incorporated therein by reference, or any omission or alleged omission therefrom of a material fact required to be stated therein or necessary to make the statements therein not misleading, or arising out of any untrue statement or alleged untrue statement of a material fact contained in any Prospectus (or any amendment or supplement thereto) or any omission or alleged omission therefrom of a material fact necessary in order to make the statements therein, in the light of the circumstances under which they were made, not misleading;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265888"></a><a name="DocXTextRef154"></a>(ii)<font style="margin-left:108pt;"></font><font style="color:#000000;"><a name="DocXTextRef154"></a>against any and all loss, liability, claim, damage and expense whatsoever, as incurred, to the extent of the aggregate amount paid in settlement of any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or of any claim whatsoever based upon any such untrue statement or omission, or any such alleged untrue statement or omission described in subparagraph (i) above; </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;"> that any such settlement is effected with the prior written consent of the Company; and</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;margin-left:7.69%;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265889"></a><a name="DocXTextRef155_0"></a><a name="DocXTextRef156"></a>(iii)<font style="margin-left:108pt;"></font><font style="color:#000000;">against any and all expense whatsoever, as incurred (including, subject to </font><font style="text-decoration:underline;color:#000000;">Section&#160;4(c)</font><font style="color:#000000;"><a name="DocXTextRef155_0"></a> below, the fees and disbursements of counsel chosen by any indemnified party), reasonably incurred in investigating, preparing or defending against any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever based upon any such untrue statement or omission, or any such alleged untrue statement or omission described in subparagraph (i)<a name="DocXTextRef156"></a> above, to the extent that any such expense is not paid under subparagraph (i) or (ii) above;</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:0%;font-style:italic;font-size:11pt;font-family:Times New Roman;font-weight:normal;text-transform:none;font-variant: normal;">provided<font style="font-style:normal;">,</font> however<font style="font-style:normal;">, that this indemnity agreement shall not apply to any loss, liability, claim, damage or expense to the extent arising out of any untrue statement or omission or alleged untrue statement or omission made in reliance upon and in conformity with written information furnished to the Company by any Holder or Participating Broker-Dealer with respect to such Holder, Participating Broker-Dealer, as the case may be, expressly for use in the Registration Statement (or any amendment thereto) or the Prospectus (or any amendment or supplement thereto).</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265890"></a><a name="_AEIOULastRenderedPageBreakAEIOU17"></a><a name="DocXTextRef158"></a><a name="DocXTextRef159"></a>(b)<font style="margin-left:72pt;"></font><font style="color:#000000;">Each Holder, severally but not jointly, agrees to indemnify and hold harmless the Company, each director of the Company, each officer of the Company who signed the Registration </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">16</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;"><a name="DocXTextRef158"></a>Statement, each Participating Broker-Dealer and each other selling Holder and each Person, if any, who controls the Company, any Participating Broker-Dealer or any other selling Holder within the meaning of </font><font style="color:#000000;">Section 15</font><font style="color:#000000;"><a name="DocXTextRef159"></a> of the 1933 Act or </font><font style="color:#000000;">Section 20</font><font style="color:#000000;"> of the 1934 Act against any and all loss, liability, claim, damage and expense described in the indemnity contained in </font><font style="text-decoration:underline;color:#000000;">Section </font><font style="text-decoration:underline;color:#000000;">4(a)</font><font style="color:#000000;"> hereof, as incurred, but only with respect to untrue statements or omissions, or alleged untrue statements or omissions, made in the Shelf Registration Statement (or any amendment thereto) or any Prospectus included therein (or any amendment or supplement thereto) in reliance upon and in conformity with written information with respect to such Holder furnished to the Company by such Holder expressly for use in the Shelf Registration Statement (or any amendment thereto) or such Prospectus (or any amendment or supplement thereto); </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;">,</font><font style="font-style:italic;color:#000000;"> however</font><font style="color:#000000;">, that no such Holder shall be liable for any claims hereunder in excess of the amount of net proceeds received by such Holder from the sale of Registrable Securities pursuant to such Shelf Registration Statement.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265891"></a><a name="DocXTextRef161"></a><a name="DocXTextRef168_0"></a><a name="DocXTextRef169"></a><a name="DocXTextRef170"></a><a name="DocXTextRef171"></a><a name="DocXTextRef172"></a><a name="DocXTextRef173"></a><a name="DocXTextRef162"></a><a name="DocXTextRef163_0"></a><a name="DocXTextRef164_0"></a><a name="_AEIOULastRenderedPageBreakAEIOU18"></a><a name="DocXTextRef165"></a><a name="DocXTextRef166"></a><a name="DocXTextRef167_0"></a>(c)<font style="margin-left:72pt;"></font><font style="color:#000000;"><a name="DocXTextRef161"></a>Each indemnified party shall give notice as promptly as reasonably practicable to each indemnifying party of any action commenced against it in respect of which indemnity may be sought hereunder, but failure so to notify an indemnifying party shall not relieve such indemnifying party from any liability hereunder to the extent it is not materially prejudiced as a result thereof and in any event shall not relieve it from any liability which it may have otherwise than on account of this indemnity agreement. Counsel to the respective indemnified parties shall be selected as follows: (i)<a name="DocXTextRef168_0"></a> counsel to the Company, its directors, each of its officers who signed the Registration Statement and all Persons, if any, who control the Company within the meaning of Section 15<a name="DocXTextRef169"></a> of the 1933 Act or Section 20<a name="DocXTextRef170"></a> of the 1934 Act shall be selected by the Company; (ii) counsel to the Holders (other than Participating Broker-Dealers) and all Persons, if any, who control any Holders (other than any Participating Broker-Dealers) within the meaning of Section 15<a name="DocXTextRef171"></a> of the 1933 Act or Section 20<a name="DocXTextRef172"></a> of the 1934 Act shall be selected by the Holders who held or hold, as the case may be, a majority in aggregate principal amount of the Registrable Securities held by all such Holders; and (iii) counsel to the Participating Broker-Dealers and all Persons, if any, who control any such Participating Broker-Dealer within the meaning of Section 15<a name="DocXTextRef173"></a> of the 1933 Act or Section 20 of the 1934 Act shall be selected by the Participating Broker-Dealers who held or hold, as the case may be, a majority in aggregate principal amount of the Exchange Securities referred to in </font><font style="text-decoration:underline;color:#000000;">Section 3(f)</font><font style="color:#000000;"> hereof held by<a name="DocXTextRef162"></a> all such Participating Broker-Dealers. In no event shall the indemnifying party or parties be liable for (A)<a name="DocXTextRef163_0"></a> the fees and expenses of more than one counsel (in addition to any local counsel) separate from the indemnifying parties&#8217; own counsel for the Company and all other Persons referred to in clause (i) of this paragraph, (B)<a name="DocXTextRef164_0"></a> the fees and expenses of more than one counsel (in addition to any local counsel) separate from the indemnifying parties&#8217; own counsel for all Holders (other than Participating Broker-Dealers) and all other Persons referred to in clause (ii) of this paragraph, and (C) the fees and expenses of more than one counsel (in addition to any local counsel) separate from the indemnifying parties&#8217; own counsel for all Participating Broker-Dealers and all other Persons referred to in clause (iii) of this paragraph, in each case in connection with any one action or separate but similar or related actions in the same jurisdiction arising out of the same general allegations or circumstances. The indemnifying party shall be entitled to participate therein and, to the extent that it shall elect, jointly with any other indemnifying party similarly notified, to assume the defense thereof, with counsel reasonably satisfactory to such indemnified party, provided, however, if the defendants in any such action include both the indemnified party and the indemnifying party and the indemnified party shall have reasonably concluded that a conflict may arise between the positions of the indemnifying party and the indemnified party in conducting the defense of any such action or that there may be legal defenses available to it and/or other indemnified parties which are different from or additional to those available to the indemnifying party, the indemnified party or parties shall have the right to select separate counsel to assume such legal defenses and to otherwise participate in the defense of such action on behalf of such indemnified party or parties. After notice from the indemnifying party to such indemnified party of its election so to assume the defense thereof, the indemnifying party shall not be liable to such indemnified party under such subsection for any legal expenses of other counsel or any other expenses, in each case subsequently incurred by such indemnified party, in connection with the defense thereof other </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">17</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;"><a name="DocXTextRef165"></a>than reasonable costs of investigation unless </font><font style="color:#000000;">(A)</font><font style="color:#000000;"><a name="DocXTextRef166"></a> the indemnified party shall have employed separate counsel in accordance with the proviso to the preceding sentence (it being understood, however, that the indemnifying party shall not be liable for the expenses of more than one separate counsel, approved by the indemnifying party) or </font><font style="color:#000000;">(B)</font><font style="color:#000000;"> the indemnifying party shall not have employed counsel reasonably satisfactory to the indemnified party within a reasonable time after notice of commencement of the action, in each of which cases the fees and expenses of counsel shall be at the expense of the indemnifying party. No indemnifying party shall, without the prior written consent of the indemnified parties, settle or compromise or consent to the entry of any judgment with respect to any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever in respect of which indemnification or contribution could be sought under this </font><font style="text-decoration:underline;color:#000000;">Section </font><font style="text-decoration:underline;color:#000000;">4</font><font style="color:#000000;"><a name="DocXTextRef167_0"></a> (whether or not the indemnified parties are actual or potential parties thereto), unless such settlement, compromise or consent </font><font style="color:#000000;">(i)</font><font style="color:#000000;"> includes an unconditional release of each indemnified party from all liability arising out of such litigation, investigation, proceeding or claim and (ii) does not include a statement as to or an admission of fault, culpability or a failure to act by or on behalf of any indemnified party.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265892"></a>(d)<font style="margin-left:72pt;"></font><font style="color:#000000;">If the indemnification provided for in this </font><font style="text-decoration:underline;color:#000000;">Section 4</font><font style="color:#000000;"> is for any reason unavailable to or insufficient to hold harmless an indemnified party in respect of any losses, liabilities, claims, damages or expenses referred to therein, then each indemnifying party shall contribute to the aggregate amount of such losses, liabilities, claims, damages and expenses incurred by such indemnified party, as incurred, in such proportion as is appropriate to reflect the relative fault of the indemnifying party or parties on the one hand and of the indemnified party or parties on the other hand in connection with the statements or omissions that resulted in such losses, liabilities, claims, damages or expenses, as well as any other relevant equitable considerations. The relative fault of such indemnifying party or parties on the one hand and the indemnified party or parties on the other hand shall be determined by reference to, among other things, whether the untrue or alleged untrue statement of a material fact or omission or alleged omission to state a material fact relates to information supplied by such indemnifying party or parties or such indemnified party or parties, and the parties&#8217; relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265893"></a><a name="DocXTextRef177"></a>(e)<font style="margin-left:72pt;"></font><font style="color:#000000;">The Company and the Holders agree that it would not be just or equitable if contribution pursuant to this </font><font style="text-decoration:underline;color:#000000;">Section 4</font><font style="color:#000000;"> were determined by pro rata allocation or by any other method of allocation that does not take account of the equitable considerations referred to in </font><font style="text-decoration:underline;color:#000000;"><a name="DocXTextRef177"></a>paragraph (d)</font><font style="color:#000000;"> above. The aggregate amount of losses, liabilities, claims, damages and expenses incurred by an indemnified party and referred to above in this </font><font style="text-decoration:underline;color:#000000;">Section 4</font><font style="color:#000000;"> shall be deemed to include any legal or other expenses reasonably incurred by such indemnified party in investigating, preparing or defending against any litigation, or any investigation or proceeding by any governmental agency or body, commenced or threatened, or any claim whatsoever based upon any such untrue or alleged untrue statement or omission or alleged omission.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Notwithstanding the provisions of this <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">4</font>, other than in the case of intentional misrepresentation or omission of a material fact, no Holder or Participating Broker-Dealer shall be required to contribute any amount in excess of the amount by which the total price at which Registrable Securities sold by it were offered exceeds the amount of any damages that such Holder or Participating Broker-Dealer has otherwise been required to pay by reason of any such untrue or alleged untrue statement or omission or alleged omission.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef181"></a><a name="DocXTextRef181"></a>No Person guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the 1933 Act) shall be entitled to contribution from any Person who was not guilty of such fraudulent misrepresentation.</p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">18</a></p>
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<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU19"></a><a name="DocXTextRef183"></a><a name="DocXTextRef184_0"></a><a name="DocXTextRef185_0"></a><a name="DocXTextRef186"></a><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">For purposes of this </font><font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">4</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef183"></a>, each Person, if any, who controls a Holder or Participating Broker-Dealer within the meaning of </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 15</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef184_0"></a> of the 1933 Act or </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 20</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef185_0"></a> of the 1934 Act shall have the same rights to contribution as such Holder or Participating Broker-Dealer, as the case may be, and each director of the Company, each officer of the Company who signed the Registration Statement and each Person, if any, who controls the Company within the meaning of </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 15</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef186"></a> of the 1933 Act or </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Section 20</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"> of the 1934 Act shall have the same rights to contribution as the Company.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The respective obligations of the Holders and Participating Broker-Dealers to contribute pursuant to this <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">4</font> are several in proportion to the principal amount of Subordinated Notes purchased by them and not joint.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="DocXTextRef188"></a>The indemnity and contribution provisions contained in this <font style="text-decoration:underline;">Section </font><font style="text-decoration:underline;color:#000000;">4</font><a name="DocXTextRef188"></a> shall remain operative and in full force and effect regardless of (i) any termination of this Agreement, (ii) any investigation made by or on behalf of any Holder or Participating Broker-Dealer or any Person controlling any Holder or Participating Broker-Dealer, or by or on behalf of the Company, its officers or directors or any Person controlling the Company, (iii) acceptance of any of the Exchange Securities and (iv) any sale of Registrable Securities or Exchange Securities pursuant to a Shelf Registration Statement.</p>
<p style="text-align:left;margin-bottom:12pt;margin-top:0pt;margin-left:7.69%;text-indent:0%;font-weight:normal;color:#010000;font-size:10pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265894"></a><font style="text-decoration:none;">5.</font><font style="text-decoration:none;margin-left:72pt;"></font><font style="font-weight:bold;text-decoration:underline;color:#000000;">Miscellaneous.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265895"></a><a name="DocXTextRef191_0"></a><a name="DocXTextRef199"></a><a name="DocXTextRef192"></a><a name="DocXTextRef200"></a><a name="DocXTextRef190"></a><a name="DocXTextRef195_0"></a><a name="DocXTextRef193"></a><a name="DocXTextRef196"></a><a name="DocXTextRef194_0"></a><a name="DocXTextRef197"></a><a name="DocXTextRef198"></a><a name="_9kR3WTr8E84599"></a>(a)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;"><a name="DocXTextRef191_0"></a>Rule 144 and Rule 144A</font><font style="color:#000000;"><a name="DocXTextRef199"></a>. For so long as the Company is subject to the reporting requirements of Section 13<a name="DocXTextRef192"></a> or 15<a name="DocXTextRef200"></a> of the 1934 Act, the Company covenants that it will file all reports required to be filed by it under Section 13(a)<a name="DocXTextRef190"></a> or 15(d)<a name="DocXTextRef195_0"></a> of the 1934 Act and the rules and regulations adopted by the SEC thereunder, that if it ceases to be so required to file such reports, it will upon the request of any Holder or beneficial owner of Registrable Securities (i)<a name="DocXTextRef193"></a> make publicly available such information (including, without limitation, the information specified in Rule 144(c)(2) under the 1933 Act) as is necessary to permit sales pursuant to Rule 144<a name="DocXTextRef196"></a> under the 1933 Act, (ii) deliver or cause to be delivered, promptly following a request by any Holder or beneficial owner of Registrable Securities or any prospective purchaser or transferee designated by such Holder or beneficial owner, such information (including, without limitation, the information specified in Rule 144A(d)(4) under the 1933 Act) as is necessary to permit sales pursuant to Rule 144A under the 1933 Act, and (iii) take such further action that is reasonable in the circumstances, in each case to the extent required from time to time to enable such Holder to sell its Registrable Securities without registration under the 1933 Act within the limitation of the exemptions provided by (x)<a name="DocXTextRef194_0"></a> Rule 144<a name="DocXTextRef197"></a> under the 1933 Act, as such Rule may be amended from time to time, (y)<a name="DocXTextRef198"></a><a name="_9kR3WTr8E84599"></a> Rule 144A under the 1933 Act, as such Rule may be amended from time to time, or (z) any similar rules or regulations hereafter adopted by the SEC</font><font style="color:#auto;">.</font><font style="color:#000000;"> Upon the request of any Holder or beneficial owner of Registrable Securities, the Company will deliver to such Holder a written statement as to whether it has complied with such requirements.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265896"></a>(b)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">No Inconsistent Agreements</font><font style="color:#000000;">. The Company has not entered into nor will the Company on or after the date of this Agreement enter into any agreement which is inconsistent with the rights granted to the Holders of Registrable Securities in this Agreement or otherwise conflicts with the provisions hereof; </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;"> that the Company will not be precluded from entering into any agreement after the date hereof which may or does result, directly or indirectly, in the payment of Additional Interest. The rights granted to the Holders hereunder do not and will not in any way conflict in any material respects with and are not and will not be inconsistent in any material respects with the rights granted to the holders of any of the Company&#8217;s other issued and outstanding securities under any other agreements entered into by the Company or any of its subsidiaries.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265897"></a><a name="_AEIOULastRenderedPageBreakAEIOU20"></a>(c)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Amendments and Waivers</font><font style="color:#000000;">. The provisions of this Agreement, including the provisions of this sentence, may not be amended, modified or supplemented, and waivers or consents to departures from the provisions hereof may not be given, unless the Company has obtained the written consent of Holders </font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">19</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:12pt;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;font-size:9pt;text-transform:uppercase;font-family:Times New Roman;font-weight:normal;font-style:normal;font-variant: normal;text-indent:7.69%;">&nbsp;</p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="color:#000000;">of at least a majority in aggregate principal amount of the outstanding Registrable Securities affected by such amendment, modification, supplement, waiver or departure.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265898"></a><a name="DocXTextRef202_0"></a>(d)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Notices</font><font style="color:#000000;"><a name="DocXTextRef202_0"></a>. All notices and other communications provided for or permitted hereunder shall be made in writing by hand-delivery, registered first-class mail, electronic mail, or any courier guaranteeing overnight delivery (i) if to a Holder or Participating Broker-Dealer at the most current address set forth on the records of the registrar under the Indenture, and (ii) if to the Company, initially at the address set forth in the Purchase Agreement and thereafter at such other address, notice of which is given in accordance with the provisions of this </font><font style="text-decoration:underline;color:#000000;">Section 5(d)</font><font style="color:#000000;">.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">All such notices and communications shall be deemed to have been duly given: at the time delivered by hand, if personally delivered; five business days after being deposited in the mail, postage prepaid, if mailed; when receipt is acknowledged, if sent via electronic mail; and on the next business day if timely delivered to an air courier guaranteeing overnight delivery.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Copies of all such notices, demands or other communications shall be concurrently delivered by the Person giving the same to the Trustee, at the address specified in the Indenture.</p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265899"></a>(e)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Successors and Assigns</font><font style="color:#000000;">. This Agreement shall inure to the benefit of and be binding upon the successors, assigns and transferees of each of the parties, including, without limitation and without the need for an express assignment, subsequent Holders; </font><font style="font-style:italic;color:#000000;">provided</font><font style="color:#000000;"> that nothing herein shall be deemed to permit any assignment, transfer or other disposition of Registrable Securities in violation of the terms hereof or of the Purchase Agreement or the Indenture. If any transferee of any Holder shall acquire Registrable Securities, in any manner, whether by operation of law or otherwise, such Registrable Securities shall be held subject to all of the terms of this Agreement, and by taking and holding such Registrable Securities, such Person shall be conclusively deemed to have agreed to be bound by and to perform all of the terms and provisions of this Agreement, including the restrictions on resale set forth in this Agreement and, if applicable, the Purchase Agreement, and such Person shall be entitled to receive the benefits hereof.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265900"></a>(f)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Third Party Beneficiary</font><font style="color:#000000;">. Each Holder and Participating Broker-Dealer shall be a third party beneficiary of the agreements made hereunder and shall have the right to enforce such agreements directly to the extent it deems such enforcement necessary or advisable to protect its rights or the rights of other Holders hereunder. Each Holder, by its acquisition of Subordinated Notes, shall be deemed to have agreed to the provisions of </font><font style="text-decoration:underline;color:#000000;">Section 4</font><font style="color:#000000;"> hereof.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265901"></a>(g)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Counterparts; Electronic Transmission</font><font style="color:#000000;">. This Agreement may be executed in any number of counterparts and by the parties hereto in separate counterparts, each of which when so executed shall be deemed to be an original and all of which taken together shall constitute one and the same agreement.&nbsp;&nbsp;Any facsimile or electronically transmitted copies hereof or signature hereon will, for all purposes, be deemed originals. Unless otherwise provided herein or in any other related document, the words &#8220;execute&#8221;, &#8220;execution&#8221;, &#8220;signed&#8221;, and &#8220;signature&#8221; and words of similar import used in this Agreement shall be deemed to include electronic signatures and the keeping of records in electronic form, each of which shall be of the same legal effect, validity or enforceability as a manually executed signature in ink or the use of a paper-based recordkeeping system, as applicable, to the fullest extent and as provided for in any applicable law, including the Federal Electronic Signatures in Global and National Commerce Act, the New York State Electronic Signatures and Records Act, and any other similar state laws based on the Uniform Electronic Transactions Act, provided that, notwithstanding anything herein to the contrary, the Company is not under any obligation to agree to accept electronic signatures in any form or in any format unless expressly agreed to by the Company pursuant to procedures approved by the Company.</font></p>
<p style="text-align:left;margin-top:12pt;margin-bottom:0pt;font-size:10pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;text-indent:7.69%;">20</a></p>
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<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265902"></a><a name="_AEIOULastRenderedPageBreakAEIOU21"></a><font style="color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(h)</font><font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Headings</font><font style="color:#000000;">. The headings in this Agreement are for convenience of reference only and shall not limit or otherwise affect the meaning hereof.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265903"></a><a name="DocXTextRef205_0"></a><a name="DocXTextRef206_0"></a>(i)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Restriction on Resales</font><font style="color:#000000;"><a name="DocXTextRef205_0"></a>. If the Company or any of its subsidiaries or affiliates (as defined in Rule 144<a name="DocXTextRef206_0"></a> under the 1933 Act) shall redeem, purchase or otherwise acquire any Registrable Security or any Exchange Security which is a &#8220;restricted security&#8221; within the meaning of Rule 144 under the 1933 Act, the Company will deliver or cause to be delivered such Registrable Security or Exchange Security, as the case may be, to the Trustee for cancellation and neither the Company nor any of its subsidiaries or affiliates will hold or resell such Registrable Security or Exchange Security or issue any new</font><font style="font-size:10pt;color:#000000;"> </font><font style="color:#000000;">Registrable Security or Exchange Security to replace the same.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265904"></a>(j)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">GOVERNING LAW</font><font style="color:#000000;">. THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO ITS LAWS OR PRINCIPLES OF CONFLICT OF LAWS.</font></p>
<p style="margin-bottom:12pt;text-align:justify;margin-top:0pt;text-indent:7.69%;color:#010000;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Ref522265905"></a>(k)<font style="margin-left:72pt;"></font><font style="text-decoration:underline;color:#000000;">Entire Agreement; Severability</font><font style="color:#000000;">. This Agreement contains the entire agreement between the parties relating to the subject matter hereof and supersedes all oral statements and prior writings with respect hereto. In the event that any one or more of the provisions contained herein, or the application thereof in any circumstance, is held invalid, illegal or unenforceable, the validity, legality and enforceability of any such provision in every other respect and of the remaining provisions contained herein shall not be affected or impaired thereby.</font></p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">[<font style="font-style:italic;">SIGNATURE PAGES FOLLOW</font>]</p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:7.69%;font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU22"></a><font style="font-weight:bold;font-size:11pt;font-family:Times New Roman;font-style:normal;text-transform:none;font-variant: normal;">IN WITNESS WHEREOF</font><font style="font-weight:normal;">, </font><font style="font-weight:normal;">the </font><font style="font-weight:normal;">Company has caused this Registration Rights Agreement to be executed by its duly authorized representative as of the date first above written.</font></p>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-weight:bold;font-size:11pt;text-transform:uppercase;font-family:Times New Roman;font-style:normal;font-variant: normal;">financial institutions, inc.</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Name: W. Jack Plants, II</p></td>
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<p style="text-align:left;margin-bottom:0pt;margin-top:0pt;margin-left:0pt;;text-indent:0pt;;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Title: Senior Vice President and Corporate<br />&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Treasurer</p></td>
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<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><font style="font-weight:bold;">IN WITNESS WHEREOF</font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">, the Purchaser has caused this Registration </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Rights </font><font style="font-size:11pt;font-family:Times New Roman;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Agreement to be executed by its duly authorized representative as of the date first above written.</font></p>
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<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-family:Times New Roman;font-size:11pt;font-style:normal;text-transform:none;font-variant: normal;">Exhibit 99.1</p>
<p style="text-align:right;margin-bottom:0pt;margin-top:0pt;text-indent:-3.85%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:-3.85%;font-family:Calibri;font-size:11pt;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><img src="gllc3dn0sf0t000001.jpg" title="" alt="" style="width:315px;height:52px;"></p>
<p style="margin-bottom:0pt;line-height:6pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;line-height:6pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-weight:bold;;font-size:10pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">FOR IMMEDIATE RELEASE <font style="margin-left:36pt;"></font></p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;text-indent:26.92%;">&nbsp;</p>
<p style="text-align:center;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:14pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">Financial Institutions, Inc. Announces Completion of $35 Million Private Placement of Subordinated Notes</p>
<p style="text-align:justify;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">WARSAW, NY &#8211; October 7, 2020<font style="font-weight:normal;"> &#8211; Financial Institutions, Inc. (NASDAQ:FISI) (the &#8220;Company&#8221;), parent company of Five Star Bank (the &#8220;Bank&#8221;), SDN Insurance Agency, LLC (&#8220;SDN&#8221;), Courier Capital, LLC (&#8220;Courier Capital&#8221;) and HNP Capital, LLC (&#8220;HNP Capital&#8221;), today announced completion of a private placement of $35 million in aggregate principal amount of fixed-to-floating rate subordinated notes due 2030 (the &#8220;Notes&#8221;) to qualified institutional buyers and accredited institutional investors.</font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Notes have a maturity date of October 15, 2030 and bear interest, payable semi-annually, at the rate of 4.375% per annum, until October 15, 2025. Commencing on that date, the interest rate will reset quarterly to an interest rate per annum equal to the then current three-month secured overnight financing rate (&#8220;SOFR&#8221;) plus 426.5 basis points, payable quarterly until maturity. The Company is entitled to redeem the Notes, in whole or in part, on any interest payment date on or after October 15, 2025, and to redeem the Notes in whole at any time upon certain other specified events. The Notes received a BBB- rating from Kroll Bond Rating Agency.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">The Company intends to use the net proceeds for general corporate purposes, organic growth and to support regulatory capital ratios at Five Star Bank.</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">In connection with the issuance and sale of the Notes, the Company entered into a registration rights agreement with the purchasers of the Notes pursuant to which the Company has agreed to take certain actions to provide for the exchange of the Notes for subordinated notes that are registered under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), with substantially the same terms as the Notes. </p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">&#8220;We are pleased with the successful completion of our subordinated debt offering,&#8221; said Martin K. Birmingham, President and Chief Executive Officer. &#8220;It was well-received by the investment community and completed on favorable terms, demonstrating the financial strength of our Company. The offering provides capital for use in serving our customers, taking advantage of growth opportunities, and strengthening the Bank&#8217;s capital ratios. We believe the offering is a cost-effective way to increase capital without diluting our current shareholders.&#8221;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:8pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Piper Sandler &amp; Co. served as sole placement agent for the offering. Harter Secrest &amp; Emery LLP served as legal counsel to Financial Institutions, Inc. and <font style="font-size:11pt;">Kilpatrick Townsend &amp; Stockton LLP </font>served as legal counsel to Piper Sandler &amp; Co.<font style="font-weight:bold;"><br /></font></p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:12pt;">&nbsp;</p>
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<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU2"></a><font style="font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">About Financial Institutions, Inc. </font></p>
<p style="margin-bottom:0pt;line-height:6pt;margin-top:0pt;text-indent:0%;font-weight:bold;;font-size:12pt;">&nbsp;</p>
<p style="Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;"><a name="_Hlk534200656"></a>Financial Institutions, Inc. provides diversified financial services through its subsidiaries Five Star Bank, SDN, Courier Capital and HNP Capital.&#160;Five Star Bank provides a wide range of consumer and commercial banking and lending services to individuals, municipalities and businesses through a network of approximately 50 offices throughout Western and Central New York State.&#160;SDN provides a broad range of insurance services to personal and business clients. Courier Capital and HNP Capital provide customized investment management, investment consulting and retirement plan services to individuals, businesses, institutions, foundations and retirement plans. Financial Institutions, Inc. and its subsidiaries employ approximately 630 individuals.&#160;The Company&#8217;s stock is listed on the Nasdaq Global Select Market under the symbol FISI.&#160;Additional information is available at www.fiiwarsaw.com.</p>
<p style="Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">No Offer or Solicitation </p>
<p style="margin-bottom:0pt;line-height:6pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">This press release shall not constitute an offer to sell, a solicitation of an offer to sell, or the solicitation or an offer to buy any securities. There will be no sale of securities in any jurisdiction in which such an offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. The Notes have not been registered under the Securities Act and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements. The indebtedness evidenced by the Notes is not a deposit and is not insured by the Federal Deposit Insurance Corporation or any other government agency or fund. </p>
<p style="Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">Safe Harbor Statement </p>
<p style="margin-bottom:0pt;line-height:6pt;margin-top:0pt;text-indent:0%;font-size:12pt;">&nbsp;</p>
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-style:italic;font-size:12pt;font-family:Calibri;font-weight:normal;text-transform:none;font-variant: normal;">This press release may contain forward-looking statements as defined by Section&#160;21E of the Securities Exchange Act of 1934, as amended, that involve significant risks and uncertainties. In this context, forward-looking statements often address our expected future business and financial performance and financial condition, and often contain words such as &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;believe,&#8221; &#8220;seek,&#8221; &#8220;see,&#8221; &#8220;will,&#8221; &#8220;would,&#8221; &#8220;estimate,&#8221; &#8220;forecast,&#8221; &#8220;target,&#8221; &#8220;preliminary,&#8221; or &#8220;range.&#8221; Statements herein are based on certain assumptions and analyses by the Company and factors it believes are appropriate in the circumstances. Actual results could differ materially from those contained in or implied by such statements for a variety of reasons including, but not limited to: the Company&#8217;s ability to complete the exchange of Notes for registered notes, the impact of the COVID-19 pandemic on the Company&#8217;s customers, business, and results of operations as well as the economy in Western New York and the United States, the Company&#8217;s ability to implement its strategic plan, whether the Company experiences greater credit losses than expected, whether the Company experiences breaches of its, or third party, information systems, the attitudes and preferences of the Company&#8217;s customers, the Company&#8217;s ability to successfully integrate and profitably operate SDN, Courier Capital, HNP Capital and other acquisitions, the competitive environment, fluctuations in the fair value of securities in its investment portfolio, changes in the regulatory environment and the Company&#8217;s compliance with regulatory requirements, changes in interest rates, and general economic and credit market conditions nationally and regionally. Consequently, all forward-looking statements made herein are qualified by these cautionary statements and the cautionary language in the Company&#8217;s Annual Report on Form 10-K, its Quarterly Reports on Form 10-Q and other documents filed with the SEC.&#160;Except as required by law, the Company undertakes no obligation to revise these statements following the date of this press release.</p>
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<hr style="page-break-after:always;width:100%;">
<p style="margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-family:Times New Roman;font-size:11pt;">&nbsp;</p>
<p style="margin-bottom:8pt;margin-top:0pt;text-indent:0%;font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;"><a name="_AEIOULastRenderedPageBreakAEIOU3"></a><font style="font-weight:bold;font-size:12pt;font-family:Calibri;font-style:normal;text-transform:none;font-variant: normal;">For additional information contact:</font></p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">Shelly J. Doran</p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">(585) 627-1362</p>
<p style="text-align:justify;Background-color:#FFFFFF;margin-bottom:0pt;margin-top:0pt;text-indent:0%;font-size:12pt;font-family:Calibri;font-weight:normal;font-style:normal;text-transform:none;font-variant: normal;">sjdoran@five-starbank.com</p>
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  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address Address Line1</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address City Or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address State Or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre-commencement Issuer Tender Offer</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Title of 12(b) Security</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
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    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
<FILENAME>fisi-20201007_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN ActiveDisclosure(SM) XBRL Linkbase Document - http://www.dfinsolutions.com/ -->
<!-- Creation Date      : 2020-10-07T03:01:18.0323392+00:00 -->
<!-- Version            : 5.0.1.513 -->
<!-- Package ID         : 55cd6802c4d840cf8a7b80025cbc5731 -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
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  <link:roleRef roleURI="http://www.fiiwarsaw.com/20201007/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="fisi-20201007.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:presentationLink xlink:type="extended" xlink:role="http://www.fiiwarsaw.com/20201007/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
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    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_SolicitingMaterial" order="10330.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
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    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_PreCommencementIssuerTenderOffer" order="10370.00" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
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  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>fisi-8k_20201007_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="fisi-20201007.xsd" xlink:type="simple"/>
    <context id="C_0000862831_20201007_20201007">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000862831</identifier>
        </entity>
        <period>
            <startDate>2020-10-07</startDate>
            <endDate>2020-10-07</endDate>
        </period>
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    <dei:EntityCentralIndexKey contextRef="C_0000862831_20201007_20201007" id="F_000004">0000862831</dei:EntityCentralIndexKey>
    <dei:DocumentType contextRef="C_0000862831_20201007_20201007" id="F_000000">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate contextRef="C_0000862831_20201007_20201007" id="F_000002">2020-10-07</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName contextRef="C_0000862831_20201007_20201007" id="F_000003">Financial Institutions, Inc.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode contextRef="C_0000862831_20201007_20201007" id="F_000007">NY</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber contextRef="C_0000862831_20201007_20201007" id="F_000006">0-26481</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber contextRef="C_0000862831_20201007_20201007" id="F_000008">16-0816610</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1 contextRef="C_0000862831_20201007_20201007" id="F_000009">220 Liberty Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown contextRef="C_0000862831_20201007_20201007" id="F_000010">Warsaw</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince contextRef="C_0000862831_20201007_20201007" id="F_000011">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode contextRef="C_0000862831_20201007_20201007" id="F_000012">14569</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode contextRef="C_0000862831_20201007_20201007" id="F_000013">585</dei:CityAreaCode>
    <dei:LocalPhoneNumber contextRef="C_0000862831_20201007_20201007" id="F_000014">786-1100</dei:LocalPhoneNumber>
    <dei:WrittenCommunications contextRef="C_0000862831_20201007_20201007" id="F_000015">false</dei:WrittenCommunications>
    <dei:SolicitingMaterial contextRef="C_0000862831_20201007_20201007" id="F_000016">false</dei:SolicitingMaterial>
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    <dei:PreCommencementIssuerTenderOffer contextRef="C_0000862831_20201007_20201007" id="F_000018">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle contextRef="C_0000862831_20201007_20201007" id="F_000019">Common stock, par value $0.01 per share</dei:Security12bTitle>
    <dei:TradingSymbol contextRef="C_0000862831_20201007_20201007" id="F_000020">FISI</dei:TradingSymbol>
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</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
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</head>
<body>
<span style="display: none;">v3.20.2</span><table class="report" border="0" cellspacing="2" id="idm140686435487128">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document And Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 07, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct.  07,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Financial Institutions, Inc.<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000862831<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">0-26481<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">16-0816610<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">220 Liberty Street<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Warsaw<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">14569<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">585<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">786-1100<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">FISI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:tradingSymbolItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
