<SEC-DOCUMENT>0001193125-15-368075.txt : 20151109
<SEC-HEADER>0001193125-15-368075.hdr.sgml : 20151109
<ACCEPTANCE-DATETIME>20151105150934
ACCESSION NUMBER:		0001193125-15-368075
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20151030
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:		Financial Statements and Exhibits
FILED AS OF DATE:		20151105
DATE AS OF CHANGE:		20151105

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST NATIONAL CORP /VA/
		CENTRAL INDEX KEY:			0000719402
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541232965
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			0511

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23976
		FILM NUMBER:		151200223

	BUSINESS ADDRESS:	
		STREET 1:		112 WEST KING STREET
		CITY:			STRASBURG
		STATE:			VA
		ZIP:			22657
		BUSINESS PHONE:		5404659121

	MAIL ADDRESS:	
		STREET 1:		112 WEST KING STREET
		CITY:			STRASBURG
		STATE:			VA
		ZIP:			22657
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d16471d8k.htm
<DESCRIPTION>FORM 8-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 8-K</TITLE>
</HEAD>
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 <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM 8-K
</B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>CURRENT REPORT </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Pursuant
to Section&nbsp;13 or 15(d) </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>of the Securities Exchange Act of 1934 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Date of Report (Date of earliest event reported): October&nbsp;30, 2015 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>FIRST NATIONAL CORPORATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of registrant as specified in its charter) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


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<TD VALIGN="top" ALIGN="center"><B>Virginia</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>0-23976</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>54-1232965</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>of incorporation)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Commission</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>File Number)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(IRS Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>112 West King Street</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Strasburg, Virginia</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>22657</B></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of principal executive offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip Code)</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Registrant&#146;s telephone number, including area code: (540)&nbsp;465-9121 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Not Applicable </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Former
name or former address, if changed since last report) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Check the appropriate box below
if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></TD>
<TD ALIGN="left" VALIGN="top">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) </TD></TR></TABLE> <P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>

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<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&nbsp;1.01</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Entry into a Material Definitive Agreement. </B></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On October&nbsp;30, 2015, First National
Corporation (the &#147;Company&#148;) entered into a Subordinated Loan Agreement (the &#147;Agreement&#148;) with Community Funding CLO, Ltd. (the &#147;Lender&#148;) pursuant to which the Company issued to the Lender a subordinated term note due
2025 in the aggregate principal amount of $5.0 million (the &#147;Note&#148;). The Note bears interest at a fixed rate of 6.75%&nbsp;per annum. The Note is intended to qualify as Tier 2 capital for regulatory capital purposes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Note has a maturity date of October&nbsp;1, 2025. Subject to regulatory approval, the Company may prepay the Note, in part or in full,
beginning on October&nbsp;30, 2020. The Note will be an unsecured, subordinated obligation of the Company and will rank junior in right of payment to the Company&#146;s senior indebtedness and to the Company&#146;s obligations to its general
creditors. The Note ranks equally with all other unsecured subordinated debt, except any which by its terms is expressly stated to be subordinated to the Note. The Note ranks senior to all current and future junior subordinated debt obligations,
preferred stock and common stock of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Note is not convertible into common stock or preferred stock. The Agreement contains
customary events of default such as the bankruptcy of the Company and the non-payment of principal or interest when due. The holder of the Note may accelerate the repayment of the Note only in the event of bankruptcy or similar proceedings and not
for any other event of default. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Agreement contains customary representations, warranties and covenants by the Company. The Company
also agreed to indemnify the Lender against liabilities arising from any breach of representations, warranties and covenants made by the Company under the Agreement or any action instituted against the Lender with respect to the transactions
contemplated by the Agreement, subject to certain limitations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company intends to use the proceeds from the issuance of the Note,
along with other funds, to redeem all 13,900 of the outstanding shares of its Fixed Rate Perpetual Preferred Stock, Series A, and all 695 of the outstanding shares of its Fixed Rate Perpetual Preferred Stock, Series B. The 14,595 shares of preferred
stock were issued pursuant to the TARP Capital Purchase Program. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing description of the Loan Agreement and the Note are
qualified in its entirety by reference to the Loan Agreement, a copy of which is attached hereto as Exhibit 10.1, and the Note, which is included as Exhibit A thereto, and which are incorporated herein by reference. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&nbsp;2.03</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Creation of a Direct Financial Obligation or an Obligation Under an Off-Balance Sheet Arrangement of a Registrant. </B></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The information set forth under Item&nbsp;1.01 of this current report on Form 8-K is incorporated herein by reference. </P>

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<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&nbsp;9.01</B></TD>
<TD ALIGN="left" VALIGN="top"><B>Financial Statements and Exhibits. </B></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left">(d)</TD>
<TD ALIGN="left" VALIGN="top">Exhibits. </TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="92%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:25.30pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit<BR>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:39.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Description</B></P></TD></TR>


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<TD HEIGHT="8" COLSPAN="2"></TD></TR>
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<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subordinated Loan Agreement, dated October 30, 2015, between First National Corporation and Community Funding CLO, Ltd.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
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<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Press release, dated November 3, 2015</TD></TR>
</TABLE>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on
its behalf by the undersigned hereunto duly authorized. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><B>FIRST NATIONAL CORPORATION</B></TD></TR>
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<TD HEIGHT="16"></TD>
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<TD HEIGHT="16" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">(Registrant)</TD></TR>
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<TD VALIGN="top">Date: November 5, 2015</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ M. Shane Bell</P></TD></TR>
<TR STYLE="font-size:1pt">
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<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">M. Shane Bell</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Executive Vice President and Chief Financial Officer</TD></TR>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:23.50pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Exhibit<BR>No.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1.00pt solid #000000; width:37.25pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Description</P></TD></TR>


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<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subordinated Loan Agreement, dated October 30, 2015, between First National Corporation and Community Funding CLO, Ltd.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Press release, dated November 3, 2015</TD></TR>
</TABLE>
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<TYPE>EX-10.1
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<DESCRIPTION>EX-10.1
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>S<SMALL>UBORDINATED</SMALL> L<SMALL>OAN</SMALL> A<SMALL>GREEMENT</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>T<SMALL>HIS</SMALL> S<SMALL>UBORDINATED</SMALL> L<SMALL>OAN</SMALL> A<SMALL>GREEMENT</SMALL></B><SMALL></SMALL> (this
&#147;<B>Agreement</B>&#148;) is dated as of October&nbsp;30, 2015 (the&nbsp;&#147;<B>Agreement Date</B>&#148;), and is made by and between First National Corporation, a Virginia corporation (&#147;<B>Borrower</B>&#148;), and Community Funding CLO,
Ltd., a Cayman Islands exempted company incorporated with limited liability (&#147;<B>Initial Lender</B>&#148;). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>R<SMALL>ECITALS</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>A. </B>Borrower is the holding company for its wholly-owned subsidiary bank, First Bank, a commercial bank organized under the laws of the
Commonwealth of Virginia (the &#147;<B>Bank</B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>B. </B>Borrower has requested that Initial Lender provide it with a term loan
(the &#147;<B>Term Loan</B>&#148;) in the principal amount of $5,000,000 pursuant to the terms of this Agreement, evidenced by a term note due October&nbsp;1, 2025 substantially in the form attached hereto as <U>Exhibit&nbsp;A</U>
(the&nbsp;&#147;<B>Note</B>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>C. </B>Borrower and Initial Lender intend that, for so long as Borrower is subject to the capital
adequacy requirements of the Federal Reserve, the Term Loan will qualify as Tier&nbsp;2 capital under the applicable capital adequacy rules and regulations promulgated by the Federal Reserve. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>D. </B>This obligation is not a deposit and is not insured by the federal deposit insurance corporation or any other government agency.
This obligation is subordinated to the claims of general creditors, is unsecured, and is ineligible as collateral for a loan by Borrower.<B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>N<SMALL>OW</SMALL>, T<SMALL>HEREFORE</SMALL>,</B> in consideration of the foregoing recitals, which are incorporated herein by this
reference, and the mutual representations, covenants and agreements of the parties herein contained, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto, intending to be legally
bound, hereby agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>A<SMALL>GREEMENTS</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1. THE TERM LOAN</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.1 <U>Aggregate Principal Loan Amount</U></B>. The Initial Lender agrees to extend the Term Loan to Borrower in an aggregate
principal amount of $5,000,000, in accordance with the terms of, and subject to the conditions set forth in this Agreement. The definitive principal amount of the Term Loan to be extended shall be provided in <U>Schedule C</U>, which shall be
delivered by the Initial Lender to Borrower on or prior to the Closing Date, as a condition to closing under Section&nbsp;1.9(b). The unpaid principal balance plus all accrued but unpaid interest on the Term Loan shall be due and payable on
October&nbsp;1, 2025 (the &#147;<B>Maturity Date</B>&#148;), or such earlier date on which such amount shall become due and payable on account of acceleration by the Lenders in accordance with the terms of this Agreement. The obligations of Borrower
to the Lenders under the Term Loan shall be unsecured. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.2 <U>Maturity Date</U></B>. On the Maturity Date, all sums due
and owing under this Agreement with respect to the Term Loan shall be repaid in full. Borrower acknowledges and agrees that the Initial Lender has not made any commitments, either express or implied, to extend the terms of the Term Loan past the
Maturity Date, and the Term Loan shall not be extended unless Borrower and the Initial Lender hereafter specifically otherwise agree in writing. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.3 <U>Closing</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <B><U>Closing</U></B>. Subject to the terms of this Agreement, and provided that all of the conditions in 0 and Section&nbsp;1.1(f) have
been satisfied (disregarding for this purpose those conditions that are to be satisfied at the Closing), the completion of the funding of the Term Loan (the &#147;<B>Closing</B>&#148;) shall be held on a date (i)&nbsp;determined by the Initial
Lender in a written notice to the Borrower indicating the date that a CLO Transaction, as defined herein, for which Initial Lender is the issuer; is closing or has closed; or (ii)&nbsp;such other time as may be mutually agreed upon by the parties to
this Agreement after the closing of a CLO Transaction (the &#147;<B>CLO Closing Date</B>&#148;), at such location or by such other method (including exchange of signed documents) as may be mutually agreed upon by the parties to this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <B><U>Closing Fee</U></B>. There shall be no closing fee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <B><U>Termination</U></B>. In the event that the Closing has not occurred by the Outside Date, due to Borrower not having received the
requisite regulatory approvals pursuant to Sections 1.6 and 4.2(b), the Borrower shall have no further obligation to borrow the Term Loan, the Initial Lender shall have no further obligation to fund the Term Loan, and this Agreement shall be of no
further force and effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.4 <U>Interest Rate</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <B><U>Applicable Rate</U></B>. The Term Loan shall bear interest at a fixed rate of 6.75% provided in Schedule C. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <B><U>Interest Payments</U></B>. Interest accrued on the Term Loan shall be payable by Borrower quarterly in arrears on
January&nbsp;1,&nbsp;April&nbsp;1,&nbsp;July&nbsp;1 and October&nbsp;1 of each year, commencing on the first such date following the Closing Date, and on the Maturity Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <B><U>Computation of Interest</U></B>. Interest shall be computed on the basis of the actual number of days elapsed in the period during
which interest accrues and a year of 360 days. In computing interest, the date of funding shall be included and, subject to Section&nbsp;1.1(a), the date of payment shall be excluded; <I>provided, however</I>, that if any funding is repaid on the
same day on which it is made, one day&#146;s interest shall be paid thereon. Interest shall commence accrual on the Closing Date, when Borrower has received the Term Loan funds. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.5 <U>Optional Prepayment</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <B><U>Prepayment Prior to Fifth Anniversary</U></B>. The Term Loan shall not be prepaid by Borrower prior to the fifth anniversary of its
date of borrowing, which shall be the Closing Date, except that in the event (i)&nbsp;of a Tier 2 Capital Event (as defined below); provided that, on the Closing Date and prior to the occurrence of such Tier 2 Capital Event (x)&nbsp;the Term Loan
qualified as Tier 2 Capital, and (y)&nbsp;the Borrower was and is subject to risk-based capital requirements and ratios as promulgated under BASEL III or any successor policy; (ii)&nbsp;of a Tax Event (as defined below), or (iii)&nbsp;the Borrower
is required to register as an investment company pursuant to the Investment Company Act of 1940 (each of the foregoing, a &#147;<B>Qualified Prepayment Event</B>&#148;), Borrower may prepay the Term Loan, subject to the Lenders&#146; amendment right
pursuant to Section&nbsp;6.2(c), on any interest payment date upon giving not less than 45 days&#146; notice to Lenders and Servicer, in whole but not in part, by paying the Prepayment Price (as defined below), together with unpaid accrued interest
thereon to but excluding the date of prepayment. Any such prepayment notice shall be accompanied by an explanation or description of the applicable Qualified Prepayment Event and (x)&nbsp;if such Qualified Prepayment Event is a Tier 2 Capital Event,
by delivery to Lenders or Servicer of a copy of the opinion of independent bank regulatory counsel received by Borrower in connection with such Tier 2 Capital Event, or (y)&nbsp;if such Qualified Prepayment Event is a Tax Event, by delivery to
Lenders or Servicer of a copy of any opinion of counsel of Borrower received by Borrower in connection with such Tax Event. Any prepayment made in connection with a Tier 2 Capital Event or a Tax Event will be subject to the Borrower obtaining the
prior approval of the Federal Reserve and any additional requirements that the Federal Reserve (or any successor regulatory authority with jurisdiction over bank holding companies) may impose with respect to prepayment of the Term Loan. &#147;<B>Tax
Event</B>&#148; means the receipt by Borrower of an opinion of counsel to Borrower that as a result of any amendment to, or change (including any final and adopted (or enacted) prospective </P>

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change) in, the laws (or any regulations thereunder) of the United States or any political subdivision or taxing authority thereof or therein, or as a result of any official administrative
pronouncement or judicial decision interpreting or applying such laws or regulations, there exists a material risk that interest payable by Borrower on the Term Loan is no longer deductible by Borrower, in whole or in part, for United States federal
income tax purposes. &#147;<B>Tier 2 Capital Event</B>&#148; shall mean receipt by the Borrower of an opinion of independent bank regulatory counsel experienced in such matters to the effect that, as a result of (x)&nbsp;any event (including any
amendment to, or change (including any final and adopted (or enacted) prospective change) in, the laws or any regulations thereunder of the United States or any rules, guidelines or policies of an applicable regulatory authority for the Borrower or
(y)&nbsp;any official administrative pronouncement or judicial decision interpreting or applying such laws or regulations, which amendment or change is effective or which pronouncement or decision is announced on or after the Closing Date, the Term
Loan does not constitute, or no longer constitutes, for the Borrower, Tier 2 Capital (or its then-equivalent if the Borrower were subject to such capital requirement) for purposes of capital adequacy guidelines of the Federal Reserve (or any
successor regulatory authority with jurisdiction over bank holding companies), as then in effect and applicable to the Borrower. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b)
<B><U>Prepayment on or After Fifth Anniversary</U></B>. At any time on an interest payment date on or after the fifth anniversary of the Closing Date, Borrower may, upon at least 45 days&#146; notice to Lenders, prepay all or a portion of the
principal amount outstanding under the Term Loan, in a minimum aggregate amount of $100,000 or any larger integral multiple of $100,000 (unless the Borrower is prepaying the Term Loan in full), by paying the Prepayment Price, together with unpaid
accrued interest thereon but excluding the date of prepayment. In a case where the Borrower is making a voluntary prepayment with respect to less than the aggregate amount of the principal amount then outstanding under the Term Loan, the Borrower
shall select, in such manner as in its sole discretion it shall reasonably deem appropriate and fair, the amounts of the Term Loan (in integral multiples of $100,000) to be prepaid. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.6 <U>Receipt of Regulatory Approval</U></B>. Borrower shall obtain any requisite approval of the Federal Reserve or other
regulatory approval, and Lenders shall have no responsibility to verify whether Borrower has obtained any requisite approval of the Federal Reserve or other regulatory approval, for the payment of principal (including payment at maturity or
prepayment prior to maturity). Borrower shall use commercially reasonable efforts to seek and maintain any and all regulatory or other approvals necessary to allow Borrower to make each scheduled interest payment on the Term Loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.7 <U>Payments</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <B><U>Manner and Time of Payment</U></B>. All payments of principal and interest hereunder payable to Lenders shall be made, without
condition or reservation of right and free of set-off or counterclaim, in U.S. dollars and by wire transfer (pursuant to Lenders&#146; or Servicer&#146;s written wire transfer instructions) of immediately available funds delivered to Lenders not
later than 11:00 a.m. (New York, New York time) on the date due. Funds received by Lenders after that time and date shall be deemed to have been paid on the next succeeding Business Day. Interest payable on any Interest Payment Date shall be payable
to the Lenders whose names are recorded in the Register at the close of business on the Record Date immediately preceding such Interest Payment Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <B><U>Payments on Non-Business Days</U></B>. Whenever any payment to be made by Borrower hereunder shall be stated to be due on a day
which is not a Business Day, payments shall be made on the next succeeding Business Day without change in any computation of interest with respect to such payment (or any succeeding payment). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <B><U>Application of Payments</U></B>. All payments, excluding any amounts paid pursuant to (b), 0, 0, or to the extent any amounts are
paid to reimburse the holders for any costs incurred in conjunction with enforcing the Agreement or the obligations of Borrower under this Agreement or the Note, received by Lenders or Servicer from or on behalf of this or with respect to this
Agreement or the Note shall be applied first to amounts due to Lenders or Servicer for any unpaid fees and expenses incurred, second to accrued interest under the Term Loan, and third to principal amounts outstanding under the Term Loan;
<I>provided, however</I>, subject to the provisions of 0 of this Agreement, that after the date on which the final payment of principal with respect to the Term Loan is due or following and during any Event of Default, all payments received on
account of Borrower&#146;s liabilities shall be </P>

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applied in whatever order, combination and amounts as each Lender, in its sole and absolute discretion, decides, to all costs, expenses and other indebtedness owing to such Lender. No amount paid
or prepaid on the Term Loan may be reborrowed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.8 <U>Subordination</U></B>. The rights of the Lenders to the principal
sum and to any accrued interest shall remain subject and subordinate in right of payment (in accordance with 12 C.F.R. &#167; 217.20(d), as supplemented by the Federal Reserve&#146;s subordinated debt policy statement, 12&nbsp;C.F.R.&nbsp;250.166,
and Federal Reserve Supervisory Letter <FONT STYLE="white-space:nowrap">SR&nbsp;92-37</FONT> (October 15, 1992)) to the claims of: (a)&nbsp;creditors of Borrower holding senior indebtedness, which shall include, at a minimum, the following:
(i)&nbsp;all borrowed and purchased money (except such borrowed or purchased money that by its terms expressly ranks <I>pari passu</I> with, or junior to, the Term Loan); (ii)&nbsp;similar obligations arising from off-balance sheet guarantees and
direct credit substitutes; and (iii)&nbsp;obligations associated with derivative products such as interest and foreign exchange rate contracts, commodity contracts, and similar arrangements; and (b)&nbsp;general creditors (collectively,
&#147;<B>Senior Claims</B>&#148;). Upon dissolution or liquidation of Borrower, no payment of principal, interest or premium (including <FONT STYLE="white-space:nowrap">post-default</FONT> interest) shall be due and payable under the terms of the
Term Loan until all Senior Claims shall have been paid in full. The Term Loan ranks equally with all of Borrower&#146;s other present or future Unsecured Subordinated Debt whenever issued, except any of its Unsecured Subordinated Debt which may be
expressly stated to be subordinated to the Term Loan. The Term Loan ranks senior to all current and future junior subordinated debt obligations, preferred stock and common stock of Borrower. &#147;<B>Unsecured Subordinated Debt</B>&#148; means
unsecured subordinated debt of Borrower whether or not such debt is intended to qualify as Tier&nbsp;2 capital under the applicable capital adequacy rules and regulations promulgated by the Federal Reserve. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;1.9 <U>Closing Deliveries</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) At least five (5)&nbsp;Business Days prior to the Closing (except as noted below), Borrower shall issue, deliver or cause to be delivered
to Initial Lender the following: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">the Note, free and clear of all restrictive and other legends (except as provided in the form of Note
attached hereto as <U>Exhibit A</U>), duly executed by Borrower, to be held in escrow and released upon the Closing; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a notice of
borrowing, substantially in the form attached hereto as <U>Exhibit B</U>, delivered by 10:00 a.m. (New York, New York time) (the &#147;<B>Notice of Borrowing</B>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a legal opinion of Borrower&#146;s counsel, dated as of the Closing Date and substantially in the form attached hereto as
<U>Exhibit&nbsp;C</U>, executed by such counsel and addressed to Lenders, to be released upon the Closing; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a certificate of the
Secretary of Borrower, in the form attached hereto as <U>Exhibit&nbsp;D</U>, dated as of the Closing Date, to be held in escrow and released upon the Closing, certifying: (A)&nbsp;the resolutions adopted by the board of directors of Borrower
(the&nbsp;&#147;<B>Board</B>&#148;) or a duly authorized committee thereof approving the borrowing of the Term Loan and approving the other transactions contemplated by this Agreement; (B)&nbsp;the current versions of the organizational documents
and bylaws of Borrower; and (C)&nbsp;as to the signatures and authority of persons signing this Agreement and related documents on behalf of Borrower; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a certificate of the Chief Executive Officer, President or Chief Financial Officer of Borrower, in the form attached hereto as
<U>Exhibit&nbsp;E</U>, dated as of the Closing Date, to be held in escrow and released upon the Closing, certifying to the fulfillment of the conditions specified in 0(a), 0(b) and 0(d); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a certificate of existence or good standing for Borrower from each of the jurisdictions of Borrower&#146;s incorporation and Borrower&#146;s
principal place of business, each as of a recent date; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a certificate of existence or good standing for the Bank from the jurisdiction of
the Bank&#146;s formation as of a recent date; and </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a transfer to Initial Lender or its designee, in immediately available funds, of: (A)&nbsp;the
closing fee indicated in (b); and (B)&nbsp;a reimbursement to Lender of all of Lender&#146;s reasonable transactional expenses in excess of $5,000; <I>provided, however</I>, that the maximum amount of transactional expenses for which Borrower shall
reimburse Lender shall be $5,000; <I>provided further</I>, that the amounts payable hereunder may be paid through a net settlement of the Term Loan amount to be transferred to Borrower pursuant to Section&nbsp;1.1 and Section&nbsp;1.9(b)(ii) below.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) On or prior to the Closing, Initial Lender shall deliver or cause to be delivered to Borrower the following: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">Schedule C, indicating the principal amount of the Term Loan and the applicable interest rate, either attached to this Agreement, duly
executed by the Initial Lender, or, if this Agreement has previously been delivered, in a separate written notice to Borrower; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">a
transfer to Borrower, in immediately available funds, of an amount equal to the principal value of the Term Loan extended (at the option of Initial Lender, net of any amounts due to Initial Lender pursuant to Section&nbsp;1.9(a)), in accordance with
written wire transfer instructions indicated in the Notice of Borrowing delivered by Borrower to Initial Lender at least five Business Days prior to the Closing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2. REPRESENTATIONS AND WARRANTIES OF BORROWER</B>. Borrower acknowledges that the representations and warranties of Borrower contained herein
are a material inducement for Lenders to enter into this Agreement. Except as set forth on <U>Schedule&nbsp;B</U> to this Agreement, Borrower hereby covenants, represents and warrants to Lenders as of the date hereof and as of the Closing Date
(except for the representations and warranties that speak as of a specific date, which are made as of such date) as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.1 <U>Organization</U></B>. Borrower: (a)&nbsp;is a corporation duly organized, validly existing and in good standing under
the laws of the jurisdiction of its incorporation; (b)&nbsp;is in good standing in each other jurisdiction in which the nature of business conducted or the properties or assets owned or leased by it makes such qualification necessary, except where
the failure to be so qualified would not reasonably be expected to have a Material Adverse Effect; (c)&nbsp;is duly registered as a bank holding company under the Bank Holding Company Act of 1956, as amended; and (d)&nbsp;has full power and
authority, corporate and otherwise, to own, operate and lease its properties as presently owned, operated and leased, and to carry on its business as it is now being conducted. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.2 <U>Subsidiary Organization</U>.</B> The Bank is the sole banking subsidiary of Borrower and is duly organized, validly
existing and in good standing under the laws of the jurisdiction of its organization and is also in good standing in each other jurisdiction in which the nature of business conducted or the properties or assets owned or leased by it makes such
qualification necessary, except where the failure to be so qualified would not reasonably be expected to have a Material Adverse Effect. All of the issued and outstanding shares of capital stock of or other equity interests in each Subsidiary have
been duly authorized and validly issued, are fully paid and non-assessable and are directly owned by Borrower, free and clear of any security interest, mortgage, pledge, lien, encumbrance, claim or equity, except as otherwise disclosed in
<U>Schedule B</U>. Each Subsidiary has full power and authority, corporate and otherwise, to own, operate and lease its properties as presently owned, operated and leased, and to carry on its business as it is now being conducted. The deposit
accounts offered by the Bank are insured by the FDIC to the fullest extent permitted under applicable law. No event attributable to Borrower or the Bank has occurred which would reasonably be expected to adversely affect the status of the Bank as
FDIC-insured institution. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.3 <U>Authorization; Enforceability</U>.</B> Borrower has the requisite corporate power and
authority to enter into and perform its obligations under this Agreement. The execution, delivery and performance of this Agreement by Borrower have been authorized by all necessary corporate action, and no further corporate action is required by
Borrower. This Agreement constitutes a legal, valid and binding obligation of Borrower enforceable in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other laws (including laws and
regulations specifically applicable to bank holding companies registered with the Federal Reserve) and subject to general principles of equity. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.4 <U>No Conflicts</U>.</B> Neither the execution nor delivery of this Agreement
nor the consummation or performance of any of the Contemplated Transactions will, directly or indirectly (with or without notice or lapse of time): (a)&nbsp;contravene, conflict with or result in a violation of any provision of the organizational
documents or bylaws of Borrower or the organizational documents or bylaws of any Subsidiary, as each is in effect on the Agreement Date, or any currently effective resolution adopted by the boards of directors or shareholders of Borrower or any
Subsidiary; (b)&nbsp;contravene, conflict with or result in a violation of, or give any Governmental Agency or other Person the valid and enforceable right to exercise any remedy or obtain any relief under, any Legal Requirement to which Borrower or
any Subsidiary, or any of their respective assets that are owned or used by them, is subject; (c)&nbsp;contravene, conflict with or result in a violation or breach of any provision of, or give any Person the right to declare a default or exercise
any remedy under, or to accelerate the maturity or performance of, or to cancel, terminate or modify any contract or other binding agreement, verbal or written, to which Borrower or any Subsidiary is a party or by which any of their respective
assets is bound; or (d)&nbsp;result in the creation of any lien, charge or encumbrance upon or with respect to any of the assets owned or used by Borrower or any Subsidiary; except, in the case of (b)&nbsp;or (c), for such conflicts and violations
that would not reasonably be expected to have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.5 <U>Filings, Consents and Approvals</U>.</B>
Borrower is not required to obtain any consent, waiver, authorization or order of, give any notice to, or make any filing or registration with, any Governmental Agency or other Person in connection with the execution, delivery and performance by
Borrower of this Agreement (including, without limitation, the issuance of the Note), other than regulatory approvals required by the Federal Reserve or any other regulatory agency or body having jurisdiction over the Borrower and obtained pursuant
to 0 or 4.2, except as otherwise disclosed in Schedule B (which consents have been obtained). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.6
<U>Capitalization</U></B>. The authorized capital stock of Borrower consists of 8,000,000&nbsp;shares of common stock, of which 4,912,662 are issued and outstanding, and 1,000,000 shares of preferred stock, 14,595 of which are issued or
outstanding.&nbsp;All outstanding shares of capital stock have been validly issued and are fully paid and nonassessable.&nbsp;None of Borrower&#146;s currently outstanding shares of capital stock have been issued in violation of any federal or state
securities laws or any other Legal Requirement, or in violation of the preemptive or other similar rights of any shareholder of Borrower or any other entity. None of Borrower&#146;s shares of capital stock are subject to preemptive or other similar
rights of any shareholder of Borrower or any other entity, except as otherwise disclosed in <U>Schedule B</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.7
<U>Financial Statements</U></B>. The Borrower has filed an Annual Report on Form 10-K for the year ended December&nbsp;31, 2014 and Quarterly Report on Form 10-Q for the period ended June&nbsp;30, 2015 (collectively, the &#147;<B>Financial
Statements</B>&#148;) with the Commission pursuant to the Exchange Act and has been delivered the following to Lenders: (a)&nbsp;FR Y-9SP Parent Company Only Financial Statements for Small Bank Holding Companies of Borrower for period ended
June&nbsp;30, 2015 (b)&nbsp;Borrower&#146;s audited financial statements for periods ended December&nbsp;31, 2013 and 2014; and (c)&nbsp;Consolidated Report of Condition and Income for A Bank With Domestic Offices Only &#150; FFIEC 041 of the Bank
for period ended June&nbsp;30, 2015<I>.</I> The Financial Statements present fairly the financial position of Borrower and its consolidated Subsidiaries including the Bank, as applicable, at the dates and for the periods of such statements. The
Financial Statements have been prepared in conformity with the requirements of the applicable Governmental Agency and with GAAP applied on a consistent basis throughout the periods involved. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.8 <U>Books and Records</U>.</B> The financial statements, books of account, minute books, stock record books and other
records of Borrower and its Subsidiaries are complete and correct in all material respects and have been maintained in accordance with Borrower&#146;s and each Subsidiary&#146;s respective business practices and all applicable Legal Requirements,
including the maintenance of an adequate system of internal controls required by applicable Legal Requirements. The minute books of Borrower and its Subsidiaries contain accurate and complete records in all material respects of all meetings held of,
and all material corporate action taken by, their respective shareholders, board of directors and committees of the board of directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.9 <U>Title to Properties</U>.</B> Borrower and each Subsidiary have good and marketable title to all material assets and
properties, whether real or personal, tangible or intangible, that they purport to own, including all real property carried by the Bank as well as other real estate owned, subject to exceptions that, individually and in the aggregate, would not
reasonably be expected to have a Material Adverse Effect. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.10 <U>Loan Portfolio</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Other than as would not be reasonably expected to have a Material Adverse Effect, to the Knowledge of Borrower, Borrower and each
Subsidiary have complied in all material respects with, and all documentation in connection with the origination, processing, servicing, underwriting and credit approval of any loan, lease or other extension of credit or commitment to extend credit
(&#147;<B>Loans</B>&#148;) originated, purchased or serviced by Borrower or any of its Subsidiaries and have satisfied in all material respects: (i)&nbsp;all applicable laws with respect to the origination, insuring, purchase, sale, pooling,
servicing, subservicing or filing of claims in connection with Loans, including all laws relating to real estate settlement procedures, consumer credit protection, truth in lending laws, usury limitations, fair housing, transfers of servicing,
collection practices, equal credit opportunity and adjustable rate mortgages; (ii)&nbsp;the responsibilities and obligations relating to Loans set forth in any contract or agreement between Borrower or any of its Subsidiaries and any Agency, Loan
Investor or Insurer (each as defined below); (iii)&nbsp;the applicable rules, regulations, guidelines, handbooks and other requirements of any Agency, Loan Investor or Insurer; (iv)&nbsp;the terms and provisions of any mortgage or other collateral
documents and other Loan documents with respect to each Loan; and (v)&nbsp;the underwriting guidelines and other loan policies and procedures of Borrower or its applicable Subsidiary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) During the past five (5)&nbsp;years, no Agency, Loan Investor or Insurer has: (i)&nbsp;claimed in writing that Borrower or any Subsidiary
has violated or has not complied with the applicable underwriting standards with respect to Loans sold by Borrower or any of its Subsidiaries to a Loan Investor or Agency, or with respect to any sale of Loan servicing rights to a Loan Investor;
(ii)&nbsp;imposed in writing restrictions on the activities (including commitment authority) of Borrower or any of its Subsidiaries; or (iii)&nbsp;indicated in writing to Borrower or any of its Subsidiaries that it has terminated or intends to
terminate its relationship with Borrower or any of its Subsidiaries for poor performance, poor Loan quality or concern with respect to Borrower&#146;s or any Subsidiary&#146;s compliance with laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) The characteristics of the loan portfolio of the Bank have not materially changed from the characteristics of the loan portfolio of the
Bank as of October&nbsp;20, 2015. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) For purposes of this 0: (i)&nbsp;&#147;<B>Agency</B>&#148; means the Small Business Administration,
the Federal Housing Administration, the Federal Home Loan Mortgage Corporation, the Farmers Home Administration (now known as Rural Housing and Community Development Services), the Federal National Mortgage Association, the United States Department
of Veterans&#146; Affairs, the Government National Mortgage Association, the Rural Housing Service of the United States Department of Agriculture or any other federal or state agency with authority to (A)&nbsp;determine any investment, origination,
lending or servicing requirements with regard to Loans originated, purchased or serviced by Borrower or any Subsidiary or (B)&nbsp;originate, purchase, or service Loans, or otherwise promote lending, including state and local housing finance
authorities; (ii)&nbsp;&#147;<B>Loan Investor</B>&#148; means any person (including an Agency) having a beneficial interest in any Loan originated, purchased or serviced by Borrower or any Subsidiary or a security backed by or representing an
interest in any such Loan; and (iii)&nbsp;&#147;<B>Insurer</B>&#148; means a person who insures or guarantees for the benefit of the Loan holder all or any portion of the risk of loss upon borrower default on any of the Loans originated, purchased
or serviced by Borrower or any Subsidiary, including the Federal Housing Administration, the United States Department of Veterans&#146; Affairs, the Rural Housing Service of the United States, the United States Department of Agriculture and any
private mortgage insurer, and providers of hazard, title or other insurance with respect to such Loans or the related collateral. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.11 <U>Allowance for Loan and Lease Losses</U>.</B> The Bank&#146;s allowance for loan and lease losses, as reflected in the
Financial Statements, was determined on the basis of the Bank&#146;s continuing review and evaluation of the portfolio of the loans owned by the Bank under the requirements of GAAP consistently applied and Legal Requirements, was established in a
manner consistent with the Bank&#146;s internal policies, and, in the reasonable judgment of the Bank, was adequate in all material respects as of such date under the requirements of GAAP and all Legal Requirements to provide for (i)&nbsp;estimated
credit losses for specifically identified loans that are determined to be impaired and (ii)&nbsp;estimated probable credit losses inherent in the remainder of the Bank&#146;s loan portfolio. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.12 <U>Undisclosed Liabilities; Adverse Changes</U>.</B> Neither Borrower nor any Subsidiary has any material liabilities or
obligations of any nature (whether absolute, accrued, contingent or otherwise), except for </P>

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liabilities or obligations reflected or reserved against in its respective most recent quarterly Financial Statements and current liabilities incurred in the ordinary course of business since the
respective dates thereof. Since the date of the latest consolidated quarterly Financial Statements of Borrower and its Subsidiaries, there has not been any change in the business, operations, properties, prospects, assets or condition of Borrower or
any Subsidiary, and, no event has occurred or circumstance exists, that has had or would reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.13 <U>Taxes</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Borrower and each Subsidiary have duly and timely filed, or will duly and timely file, each return (including any informational return),
report, statement, schedule, notice, form or other document or information filed with or submitted to, or required to be filed with or submitted to, any Governmental Agency (collectively, &#147;<B>Tax Returns</B>&#148;) in connection with the
determination, assessment, collection or payment of any tax, levy, assessment, tariff, duty (including any customs duty), deficiency or other fee, and any related charge or amount (including any fine, penalty, interest or addition to tax), imposed,
assessed or collected by or under the authority of any Governmental Agency (a&nbsp;&#147;<B>Tax</B>&#148;) that is required to be filed by it on or before the Closing Date for all taxable or reporting periods ending on or before the Closing Date,
and each such Tax Return is true, correct and complete in all material respects. In all material respects, Borrower and each Subsidiary have paid, or made adequate provision for the payment of, all Taxes (whether or not reflected in Tax Returns as
filed or to be filed) due and payable by Borrower and/or any Subsidiary, or claimed to be due and payable by any Governmental Agency, and are not delinquent in the payment of any Tax, except such Taxes set forth on <U>Schedule B</U> as are being
contested in good faith and as to which adequate reserves have been provided. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) There is no claim or assessment pending or, to the
Knowledge of Borrower, threatened against Borrower or any Subsidiary for any Taxes that it owes. No audit, examination or investigation related to Taxes paid or payable by Borrower or any Subsidiary is presently being conducted or, to the Knowledge
of Borrower, threatened by any Governmental Agency. Neither Borrower nor any Subsidiary is the beneficiary of any extension of time within which to file any Tax Return, and there are no liens for Taxes (other than Taxes not yet due and payable) upon
any of Borrower&#146;s or any Subsidiary&#146;s assets. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.14 <U>Compliance with Legal Requirements</U>.</B> Borrower and
each Subsidiary holds all licenses, certificates, permits, franchises and rights from all appropriate Governmental Agencies necessary and material for the conduct of its respective business, except where failure to possess such licenses,
certificates, permits, franchises or rights, individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect. Borrower and each Subsidiary is in compliance with each Legal Requirement that is or was applicable to
it or to the conduct or operation of its respective businesses or the ownership or use of any of its respective assets, except where the failure to comply would not reasonably be expected to have a Material Adverse Effect. No event has occurred or
circumstance exists that (with or without notice or lapse of time): (a)&nbsp;may constitute or result in a violation by Borrower or any Subsidiary of, or a failure on the part of Borrower or any Subsidiary to comply with, any Legal Requirement; or
(b)&nbsp;may give rise to any obligation on the part of Borrower or any Subsidiary to undertake, or to bear all or any portion of the cost of, any remedial action of any nature in connection with a failure to comply with any Legal Requirement;
except, in either case, where, in the case of either clause&nbsp;(a) or (b), the failure to comply or the violation would not reasonably be expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.15 <U>Regulatory Matters</U></B>. Neither Borrower nor any Subsidiary is subject or is party to, or has received any notice
or advice from any Governmental Agency, including any domestic and any foreign government entities, that any of them may become subject or party to any investigation with respect to, any corrective, suspension or cease-and-desist order, agreement,
consent agreement, memorandum of understanding or other regulatory enforcement action, proceeding or order with or by, or is a party to any commitment letter or similar undertaking to, or is subject to any directive by, or has been a recipient of
any supervisory letter from, or has adopted any board resolutions at the request of, any Governmental Agency that currently relates to or restricts the conduct of their business or that in any manner relates to their capital adequacy, credit
policies, interest payments, dividend distributions, management or business (each, a &#147;<B>Regulatory Agreement</B>&#148;), nor has Borrower or any Subsidiary been advised by any Governmental Agency that it is considering issuing or requesting
any Regulatory Agreement. There is no unresolved violation, criticism or exception by any Governmental Agency with respect to any report or statement relating to any examinations of Borrower or any Subsidiary, that if adversely determined would
reasonably be expected to have a Material Adverse Effect. Borrower and its Subsidiaries are in material compliance with all laws administered by the Governmental Agencies. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.16 <U>Pending Litigation</U>.</B> There are no actions, suits, proceedings or
arbitrations pending, or, to the Knowledge of Borrower, threatened against Borrower or any Subsidiary at law or in equity or before or by any Governmental Agency, domestic or foreign, that if adversely determined would reasonably be expected to have
a Material Adverse Effect. Neither Borrower nor any Subsidiary is in default with respect to any material order, writ, injunction, or decree of, or any Regulatory Agreement with, any Governmental Agency, domestic or foreign. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.17 <U>No Defaults</U></B>. Each Material Contract to which Borrower or a Subsidiary is a party is in full force and effect
and is valid and enforceable in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other laws affecting creditors&#146; rights generally and subject to general principles of equity. The
execution and delivery by Borrower of this Agreement and the consummation and performance of the Contemplated Transactions do not and will not, and no other event has occurred or circumstance exists that may (with or without notice or lapse of time)
contravene, conflict with or result in a material violation or breach of, or give any counterparty to any Material Contract the right to declare a default or exercise any remedy under, or to accelerate the maturity or performance of, or to cancel,
terminate or modify, such Material Contract. Other than in the ordinary course of business in connection with workouts and restructured loans, there are no renegotiations of, attempts to renegotiate, or outstanding rights to renegotiate, any
material amounts paid or payable to Borrower or a Subsidiary under current or completed Material Contracts with any Person and no such Person has made written demand for such renegotiation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.18 <U>Insurance</U>.</B> Borrower and each Subsidiary have such insurance in place as Borrower&#146;s management deems
reasonable with respect to their respective businesses (including bankers&#146; blanket bond and insurance providing benefits for employees). Set forth in 0 of <U>Schedule B</U> is a complete and correct list of insurance policies maintained by
Borrower and each Subsidiary (each, a &#147;<B>Policy</B>&#148;). Each Policy is in full force and effect (except for any expiring policy which is replaced by coverage at least as extensive). All premiums due on each Policy have been paid in full.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.19 <U>Regulatory Filings</U>.</B> During the past five (5)&nbsp;years, Borrower and each Subsidiary have filed in a
timely manner all required filings with all Governmental Agencies. All such filings were accurate and complete in all material respects as of the dates of the filings, and no such filing made any untrue statement of a material fact or omitted to
state a material fact necessary in order to make the statements made, in light of the circumstances under which they were made, not misleading. In the event Borrower or any Subsidiary has restated any filings with any Governmental Agency during such
period, Borrower has disclosed the nature of such restatement to Lender in writing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.20 <U>Indemnification
Claims</U>.</B> No action or failure to take action by any director or executive officer, or, to the Knowledge of Borrower, any employee or agent of Borrower or any Subsidiary has occurred that has given rise, or may be expected to give rise, to a
claim or a potential claim by any such Person for indemnification against Borrower or any Subsidiary under any contract with, or the corporate indemnification provisions of, Borrower or any Subsidiary, or under any Legal Requirements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.21 <U>Registration Rights</U></B>. No Person has any right to cause Borrower or any Subsidiary to effect the registration
under the Securities Act of any securities of Borrower or any Subsidiary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.22 <U>Prohibition on Dividends or
Interest</U></B>. Neither Borrower nor any Subsidiary is currently prohibited, directly or indirectly, under any order of any Governmental Agency (other than orders applicable to bank or savings and loan holding companies and their subsidiaries
generally), under any applicable law, under any adopted policy or under any agreement or other instrument to which it is a party or is subject, from paying any dividends on any of its capital stock (including any dividends to Borrower in the case of
the Bank) or any interest on any of its debt instruments in the case of Borrower, from making any other distribution on Borrower&#146;s or any Subsidiary&#146;s capital stock, or in the case of the Bank, from repaying to Borrower or any other
Subsidiary any loans or advances to such Bank or from transferring any of the Bank&#146;s properties, assets or operations to Borrower or any other Subsidiary. As of the date of this Agreement, Borrower would not be prohibited from paying the amount
of a regularly scheduled interest payment on the Term Loan, except as otherwise disclosed in <U>Schedule B</U>. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.23 <U>Investment Company</U></B>. Neither Borrower nor any of its Subsidiaries
is required to be registered as, and is not an Affiliate of, and immediately following the Closing will not be required to register as, an &#147;investment company&#148; within the meaning of the Investment Company Act of 1940, as amended, and
neither Borrower nor any Subsidiary sponsors any Person that is required to be registered as an investment company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.24
<U>Use of Proceeds</U></B>. Borrower shall use the proceeds of the Term Loan for general corporate purposes, including but not limited to, in the sole discretion of the Borrower, the redemption or repurchase of the Borrower&#146;s outstanding Fixed
Rate Cumulative Perpetual Preferred Stock, Series A and Fixed Rate Cumulative Perpetual Preferred Stock, Series B. Borrower does not own any &#147;margin security&#148; as such term is defined in Regulation G of the Federal Reserve Board. Borrower
will not use any part of the proceeds (a)&nbsp;directly or indirectly to purchase or carry any margin security or reduce or retire any indebtedness originally incurred to purchase any such margin security within the meaning of Regulation U of the
Federal Reserve Board or (b)&nbsp;so as to involve Borrower or any Lender in a violation of Regulation U of the Federal Reserve Board. Borrower agrees to execute, or cause to be executed, all instruments necessary to comply with all of the
requirements of Regulation U of the Federal Reserve Board. The amount to be received by Lenders as interest under the Term Loan is not usurious or illegal under applicable law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.25 <U>Accuracy of Information Furnished</U></B>. The following information furnished to Initial Lender by Borrower in
connection with Initial Lender&#146;s examination of Borrower is correct in all material respects, and does not contain any untrue statement of a material fact, or omit to state a material fact necessary to make the statements contained therein not
misleading: loan tape and reports, responses to Due Diligence Questionnaire, and responses to Legal Diligence Request. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;2.26 <U>Source of Funds</U></B>. The proceeds of the Term Loan have not been provided, directly or indirectly (including
through any CLO Transaction), by the Bank, the Borrower or any affiliate of the Bank or Borrower. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3. OTHER COVENANTS AND AGREEMENTS OF
THE PARTIES</B>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.1 <U>Corporate Existence</U></B>. Borrower shall at all times preserve and maintain, and cause each
Subsidiary to preserve and maintain, its corporate existence, rights, franchises and privileges as necessary to conduct its business and own and control its Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.2 <U>Conduct of Business; Notifications</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Prior to the Closing Date, and for the duration of this Agreement, Borrower shall, and shall cause each of its Subsidiaries to, use
commercially reasonable efforts to carry on its business in the ordinary course of business and use reasonable best efforts to maintain and preserve its and each Subsidiary&#146;s business (including its organization, assets, properties, goodwill
and insurance coverage) and preserve its business relationships with customers, strategic partners, suppliers, distributors and others having business dealings with it; <I>provided</I>, that nothing in this sentence shall limit or require any
actions that the Board may, in good faith, determine to be inconsistent with their duties or Borrower&#146;s obligations under applicable Legal Requirements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Borrower shall immediately notify the Lenders in writing when Borrower obtains knowledge of (i)&nbsp;the occurrence of any default under
5.1, (ii)&nbsp;any event that would reasonably be expected to have a Material Adverse Effect, and (iii)&nbsp;the occurrence of any event described under 5.1(a), (b), (c)&nbsp;or (d)&nbsp;with respect to any Subsidiary of Borrower that is not a Major
Bank Subsidiary. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.3 <U>Financial Statements; Shareholder Information</U></B>. Borrower shall, and
cause its Subsidiaries to, at all times maintain a system of accounting, on the accrual basis of accounting and in accordance with the requirements of the applicable Governmental Agency and with GAAP, and shall simultaneously provide to Lenders or
their Representatives any notices, financial statements and other financial information related to Borrower or any Subsidiary that are provided to the holders of Borrower&#146;s common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.4 <U>Inspection Rights</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) From the date hereof until the Maturity Date, Borrower will furnish to Servicer (and its financial and professional advisors and
Representatives), and permit Servicer and its Representatives access during Borrower&#146;s or the Bank&#146;s normal business hours and upon reasonable advance notice, to such information and materials relating to the financial, business and legal
condition of Borrower and the Bank[s] as may be reasonably necessary or advisable to allow Servicer and its Representatives to remain familiar with Borrower and the Bank[s] and confirm compliance by Borrower with the terms of this Agreement. Any
investigation pursuant to this Section&nbsp;1.1(a) shall be conducted during normal business hours and in such manner as not to interfere unreasonably with the conduct of the business of Borrower, and nothing herein shall require Borrower or any
Subsidiary to disclose any information to the extent (i)&nbsp;prohibited by applicable Legal Requirement, (ii)&nbsp;that Borrower reasonably believes such information to be competitively sensitive proprietary information, or (iii)&nbsp;that such
disclosure would reasonably be expected to cause a violation of any agreement to which Borrower or any Subsidiary is a party or would cause a risk of a loss of privilege to Borrower or any Subsidiary; <I>provided</I>, that the types of information
disclosed to Servicer pursuant to its investment made hereby shall not be withheld pursuant to clause (ii); <I>provided further</I>, that Borrower shall use commercially reasonable efforts to make appropriate substitute disclosure arrangements under
circumstances where the restrictions in this clause (iii)&nbsp;apply. Under no circumstances shall Confidential Customer Information be disclosed to any Lender or its Representatives. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) In consideration of the rights granted under Section&nbsp;1.1(a), the Servicer and each Lender each agrees that it will hold, will cause
its Affiliates and Representatives (collectively with the Lenders and Servicer, the&nbsp;&#147;<B>Lender Entities</B>&#148;) to hold, in confidence, unless disclosure to a Governmental Agency is necessary or appropriate in connection with any
necessary regulatory approval, or request for information or similar process, or unless compelled to disclose by judicial or administrative process or, in the written opinion of its counsel, by other requirement of law or the applicable requirements
of any Governmental Agency (in which case, such Lender or Servicer, as the case may be, shall, to the extent legally permissible and reasonably practicable, provide Borrower with prior written notice of such permitted disclosure, except to the
extent such disclosure is in connection with a routine audit by a Governmental Agency that does not expressly reference Borrower or this Agreement), all nonpublic records, books, contracts, instruments, computer data and other data and information
(collectively, &#147;<B>Confidential Information</B>&#148;) concerning Borrower or the Bank furnished to the Lender Entities pursuant to this Agreement or in connection with the rights granted hereunder (except to the extent that such information
can be shown to have been: (i)&nbsp;previously known by such party on a non-confidential basis; (ii)&nbsp;in the public domain through no fault of such party; or (iii)&nbsp;later lawfully acquired from other sources by the party to which it was
furnished), and the Lender Entities shall not release or disclose such Confidential Information to any other person, except to potential third-party buyers of the Term Loan (subject to execution of a non-disclosure agreement between such buyer and
Borrower in a form substantially similar to the Confidentiality Agreement entered into October&nbsp;23, 2015 by and between Borrower and Servicer), with the express understanding that such parties will maintain the confidentiality of the
Confidential Information pursuant to the terms herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.5 [Reserved] </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.6 <U>Assignments and Participations of Term Loan</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Subject to compliance with applicable laws, each Lender shall be permitted, at any time without the consent of the Borrower, to transfer,
sell, assign or otherwise dispose of (&#147;<B>Assign</B>&#148; or &#147;<B>Assignment</B>&#148;, as applicable) all or a portion of the Term Loan at any time, and Borrower shall take all steps as may be reasonably requested by each Lender to
facilitate the Assignment of the Term Loan. Each Lender shall also be permitted, at any time without the consent of the Borrower, to sell participations in all or a portion of the Term Loan; <I>provided</I>, that (in the case of participations only)
the Borrower shall continue to deal solely and directly with such Lender in connection with such Lender&#146;s rights and obligations under this Agreement. In furtherance of the foregoing, </P>

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Borrower shall provide reasonable cooperation to facilitate any Assignments or participations of the Term Loan, including, as is reasonable under the circumstances, by (i)&nbsp;amending this
Agreement as reasonably necessary to incorporate an administrative agent and other provisions relevant to a syndicated loan facility, or to facilitate a CLO Transaction, (ii)&nbsp;furnishing such information concerning Borrower and its business as a
proposed assignee or participant may reasonably request and (iii)&nbsp;in the event Confidential Information is being provided to a third-party, making management of Borrower reasonably available to respond to questions of a proposed assignee in
accordance with customary practice, subject in all cases in which Confidential Information is provided to the proposed assignee agreeing to a customary non-disclosure agreement between such assignee and Borrower in a form substantially similar to
the Confidentiality Agreement entered into on October&nbsp;23, 2015 by and between Borrower and Servicer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) The Servicer (or in the
event the Initial Lender shall no longer hold any principal amount of the Term Loan, the Agent), acting solely for this purpose as an agent of the Borrower, shall maintain at Servicer&#146;s or Agent&#146;s (as applicable) place of business, a copy
of each agreement evidencing an Assignment, and a register for the recordation of the names and addresses of each of the assignee lenders, and the principal amounts (and related interest amounts) of the Term Loan owing to each assignee lender from
time to time (the &#147;<B>Register</B>&#148;). The entries in the Register shall be conclusive, absent manifest error, and the Borrower and Servicer or Agent, as the case may be, shall treat each Person whose name is recorded in the Register
pursuant to the terms hereof as a applicable Lender hereunder for all purposes of this Agreement. The Register shall be available for inspection by the Borrower, and with respect to its own Term Loan, any assignee lender, at any reasonable time and
from time to time upon reasonable prior notice. Each Lender shall maintain at its place of business, a copy of each agreement evidencing a participation interest, and a register for the recordation of the names and addresses of each of participants
holding a portion of the Term Loan, and the principal amounts (and related interest amounts) of the Term Loan owing to each participant from time to time (the &#147;<B>Participant Register</B>&#148;). Each Lender shall provide a copy of its
Participant Register to the Servicer and the Agent, upon request from Servicer or the Agent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.7 <U>CLO
Transactions</U></B>. Any Lender shall have the right at any time and from time to time to securitize the portion of the Term Loan that such Lender holds or any portion thereof in a single asset securitization or one or more pooled loan
securitizations of rated single or multi-class securities secured by or evidencing ownership interests in the Term Loan (each such securitization is referred to herein as a &#147;<B>CLO Transaction</B>&#148;). Borrower acknowledges that this Term
Loan may be, at the CLO Closing Date or sometime in the future, pooled with other term loans held by Initial Lender or by an assignee of Initial Lender as part of a CLO Transaction issued by the Initial Lender or such assignee, and managed and
serviced by the Servicer, as an agent of the Initial Lender or assignee. In connection with this CLO Transaction and any other CLO Transaction, if any, that may occur in the future, Borrower shall use all reasonable efforts and cooperate fully and
in good faith with the applicable Lender and otherwise assist such Lender in satisfying the market standards to which such Lender customarily adheres or which may be reasonably required in the marketplace or by applicable rating agencies in
connection with any such CLO Transactions. Subject to Section&nbsp;3.4(b), all information regarding Borrower may be furnished, without liability to any Lender furnishing such information, to any Person deemed necessary by the applicable Lender in
connection with such CLO Transaction. All documents, financial statements, appraisals and other data relevant to Borrower or the Term Loan may be exhibited to and retained by any such Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.8 <U>Transfer Taxes</U></B>. On the Closing Date, any transfer or other similar Taxes which are required to be paid in
connection with the borrowing of the Term Loan by the Borrower from the Initial Lender hereunder will be, or will have been, fully paid or provided for by Borrower, and all Legal Requirements imposing such taxes will be or will have been complied
with. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.9 <U>Indemnification</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <U>Indemnification of Lenders</U>. Borrower will indemnify and hold the Lenders, the Servicer, the Lender Advisors and their respective
advisors, directors, officers, shareholders, members, partners, employees, agents and Affiliates (and any other Persons with a functionally equivalent role of a Person holding such titles notwithstanding a lack of such title or any other title),
each Person who controls a Lender (within the meaning of Section&nbsp;15 of the Securities Act and Section&nbsp;20 of the Exchange Act), and the directors, officers, shareholders, agents, members, partners, employees or Affiliates (and any other
Persons with a functionally equivalent role of a Person holding such titles notwithstanding a lack of such title or any other title) of such controlling person (each, a&nbsp;&#147;<B>Borrower Indemnified Person</B>&#148;) harmless from and against
any and all losses, liabilities, obligations, claims, </P>

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damages, costs and expenses actually and reasonably incurred by such Borrower Indemnified Person, including all judgments, amounts paid in settlements, court costs and reasonable attorneys&#146;
fees and costs of investigation (collectively, &#147;<B>Losses</B>&#148;) that any such Borrower Indemnified Person may suffer or incur as a result of: (i)&nbsp;non- payment of any principal amount of interest on the Loan when due, non-performance
by Borrower of any other obligation under this Agreement, or&nbsp;any breach of any of the representations, warranties, covenants or agreements made by Borrower in this Agreement, or (ii)&nbsp;any action instituted against a Borrower Indemnified
Person in any capacity, or any of them or their respective Affiliates, by any shareholder of Borrower or other third party who is not a Lender, an Affiliate of a Lender, Servicer, a Lender Advisor or an Affiliate of such Borrower Indemnified Person,
with respect to any of the transactions contemplated by this Agreement<I>; provided, however</I>, that a Lender or any Affiliate of a Lender shall not have any right under this Section to accelerate any payment of any principal or interest on the
Term Loan, and the Borrower shall not be required to make indemnification payments hereunder, in each case solely to the extent any such payments would violate, or jeopardize, the qualification of the Term Loan as Tier 2 capital in accordance with
12 C.F.R. 250.166, as supplemented by Federal Reserve Supervisory Letter SR 92 37 (October 15, 1992) and 12 C.F.R. 217.20(d) and any then-applicable capital adequacy rules and regulations promulgated by the Federal Reserve, until such time as a
payment hereunder would not be in violation of such aforementioned rules and regulations. Borrower will not be liable to any Borrower Indemnified Person under this Agreement to the extent, but only to the extent that a loss, claim, damage or
liability is attributable to any Borrower Indemnified Person&#146;s material breach of any of the representations, warranties, covenants or agreements made by such Borrower Indemnified Person in this Agreement or attributable to the material actions
or material inactions of such Borrower Indemnified Person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <U>Conduct of Indemnification Proceedings for Borrower Indemnified
Persons</U>. Promptly after receipt by any Borrower Indemnified Person of notice of any demand, claim or circumstances which would or might give rise to a claim or the commencement of any action, proceeding or investigation in respect of which
indemnity may be sought pursuant to Section&nbsp;1.1(a), such Borrower Indemnified Person shall promptly notify Borrower in writing and Borrower shall assume the defense thereof, including the employment of counsel reasonably satisfactory to such
Borrower Indemnified Person, and shall assume the payment of all fees and expenses; <I>provided</I>, <I>however</I>, that the failure of any Borrower Indemnified Person to so notify Borrower shall not relieve Borrower of its obligations hereunder
except to the extent that Borrower is actually and materially and adversely prejudiced by such failure to notify (as determined by a court of competent jurisdiction, which determination is not subject to appeal or further review). In any such
proceeding, any Borrower Indemnified Person shall have the right to retain its own counsel, and the fees and expenses of such counsel shall be at the expense of Borrower; <I>provided</I>, that Borrower shall not be liable for the fees and expenses
of more than one separate firm of attorneys at any time for all Borrower Indemnified Persons. Borrower shall not be liable for any settlement of any proceeding effected without its written consent, which consent shall not be unreasonably withheld,
delayed or conditioned. Without the prior written consent of the Borrower Indemnified Person, which shall not be unreasonably withheld, delayed or conditioned, Borrower shall not effect any settlement of any pending or threatened proceeding in
respect of which any Borrower Indemnified Person is or could have been a party and indemnity could have been sought hereunder by such Borrower Indemnified Person, unless such settlement includes an unconditional release of such Borrower Indemnified
Person from all liability arising out of such proceeding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <U>Certain Limitations</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(i) The Company will not be liable for Losses that otherwise are indemnifiable under Section&nbsp;3.9(a)(ii) with respect to any claim (or
series of claims arising from the same or similar underlying facts, events or circumstances) unless and until the total of all Losses otherwise indemnifiable under Section&nbsp;3.9(a)(ii) (in the aggregate and at any time incurred) exceeds $50,000
(the &#147;Deductible&#148;), in which event the Company shall be responsible for the total amount of such Losses incurred in excess of the Deductible. The aggregate amount of all Losses pursuant to Section&nbsp;3.9(a)(ii) for which the Company
shall be liable shall not exceed fifty percent (50%)&nbsp;of the initial principal amount of the Term Loan as of the date hereof; provided that (x)&nbsp;the Company has timely performed all payment obligations and covenants under this Agreement, and
(y)&nbsp;such Losses pursuant to 3.9(a)(ii) are not related to any breach of any of the representations, warranties, covenants or agreements made by Borrower under this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(ii) For purposes of the indemnity contained in Section&nbsp;1.1(a)(i), all qualifications and limitations set forth in the parties&#146;
representations and warranties as to &#147;materiality,&#148; &#147;material adverse effect&#148; and words of similar import shall be disregarded in determining whether there shall have been any inaccuracy in or breach of any representations and
warranties in this Agreement and the Losses arising therefrom. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) <U>Indemnification of Servicer</U>. The Lenders will indemnify and hold the Servicer and its
respective advisors, directors, officers, shareholders, members, partners, employees, agents and Affiliates (and any other Persons with a functionally equivalent role of a Person holding such titles notwithstanding a lack of such title or any other
title) (each, a&nbsp;&#147;<B>Lender Indemnified Person</B>&#148;) harmless from and against any and all losses, liabilities, obligations, claims, damages, costs and expenses actually and reasonably incurred by such Lender Indemnified Person,
including all judgments, amounts paid in settlements, court costs and reasonable attorneys&#146; fees and costs of investigation (collectively, &#147;<B>Losses</B>&#148;) that any such Lender Indemnified Person may suffer or incur as a result of:
(i)&nbsp;any breach of any of the representations, warranties, covenants or agreements made by Lenders in this Agreement, or (ii)&nbsp;any action instituted against a Lender Indemnified Person in any capacity, or any of them or their respective
Affiliates, by any shareholder of Lender or other third party who is not an Affiliate of such Lender Indemnified Person, with respect to any of the transactions contemplated by this Agreement. The Lenders will not be liable to any Lender Indemnified
Person under this Agreement to the extent, but only to the extent that a loss, claim, damage or liability is attributable to any Lender Indemnified Person&#146;s material breach of any of the representations, warranties, covenants or agreements made
by such Lender Indemnified Person in this Agreement or attributable to the material actions or material inactions of such Lender Indemnified Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) <U>Conduct of Indemnification Proceedings for Lender Indemnified Persons</U>. Promptly after receipt by any Lender Indemnified Person of
notice of any demand, claim or circumstances which would or might give rise to a claim or the commencement of any action, proceeding or investigation in respect of which indemnity may be sought pursuant to Section&nbsp;1.1(a), such Lender
Indemnified Person shall promptly notify the applicable Lenders in writing and such Lenders shall assume the defense thereof, including the employment of counsel reasonably satisfactory to such Lender Indemnified Person, and shall assume the payment
of all fees and expenses; <I>provided</I>, <I>however</I>, that the failure of any Lender Indemnified Person to so notify the Lenders shall not relieve any Lender of its obligations hereunder except to the extent that such Lender is actually and
materially and adversely prejudiced by such failure to notify (as determined by a court of competent jurisdiction, which determination is not subject to appeal or further review). In any such proceeding, any Lender Indemnified Person shall have the
right to retain its own counsel, and the fees and expenses of such counsel shall be at the expense of the applicable Lenders; <I>provided</I>, that the Lenders shall not be liable for the fees and expenses of more than one separate firm of attorneys
at any time for all Lender Indemnified Persons. No Lender shall be liable for any settlement of any proceeding effected without its written consent, which consent shall not be unreasonably withheld, delayed or conditioned. Without the prior written
consent of the Lender Indemnified Person, which shall not be unreasonably withheld, delayed or conditioned, no shall effect any settlement of any pending or threatened proceeding in respect of which any Lender Indemnified Person is or could have
been a party and indemnity could have been sought hereunder by such Lender Indemnified Person, unless such settlement includes an unconditional release of such Lender Indemnified Person from all liability arising out of such proceeding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.10 <U>Reasonable Best Efforts</U></B>. Borrower and Initial Lender agree to use reasonable best efforts to take, or cause to
be taken, all actions, and to do, or cause to be done, and to assist and cooperate with the other parties to this Agreement in doing, all things necessary, proper or advisable to consummate and make effective, in the most expeditious manner
practicable, the transactions contemplated by this Agreement, including using reasonable best efforts to accomplish the following: (a)&nbsp;the taking of all reasonable acts necessary to cause the conditions to Closing to be satisfied; (b)&nbsp;the
obtaining of all necessary actions or nonactions, waivers, consents and approvals from Governmental Agencies and the making of all necessary registrations and filings and the taking of all reasonable steps necessary to obtain an approval or waiver
from, or to avoid an action or proceeding by, any Governmental Agency; (c)&nbsp;the obtaining of all necessary consents, approvals or waivers from third parties; and (d)&nbsp;the execution and delivery of any additional instruments necessary to
consummate the transactions contemplated by, and to fully carry out the purposes of, this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.11 <U>Merger,
Consolidation and Sale of Assets</U></B>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Borrower shall not consolidate with or merge with any Person, or effect a Change in Bank
Ownership, unless: (i)&nbsp;the successor entity which results from such consolidation or merger, if not Borrower, or the Person which acquires the assets of Borrower or the stock of the Bank from such Change in Bank Ownership
</P>

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(the &#147;<B>Surviving Entity</B>&#148;), (A)&nbsp;shall be organized and existing under the laws of the United States or any State thereof or the District of Columbia, and (B)&nbsp;shall have
either (x)&nbsp;executed and delivered to the Lenders its assumption of the due and punctual payment of the principal of and premium, if any, and interest on the Term Loan, and the due and punctual performance and observation of all of the covenants
in the Term Loan, and this Agreement and shall furnish to such Lenders an opinion of counsel to the effect that the instrument of assumption has been duly authorized, executed and delivered and constitutes the legal, valid and binding contract and
agreement of the Surviving Entity enforceable in accordance with its terms, except as enforcement of such terms may be limited by bankruptcy, insolvency, reorganization, moratorium and similar laws affecting the enforcement of creditors&#146; rights
generally and by general equitable principles, or (y)&nbsp;exchanged the Term Loan for a subordinated term loan of the Surviving Entity or the parent of the Surviving Entity, and such subordinated term loan shall have the same economic terms as the
Term Loan, including but not limited to, principal amount, interest rate, maturity and any other term that would require the consent of each Lender to amend under Section&nbsp;1.1(a) hereunder, and such other rights, preferences, privileges and
covenants that are not materially less favorable than the rights, preferences, privileges and covenants of the Term Loan; and (ii)&nbsp;immediately after giving effect to such transaction and treating any indebtedness that becomes an obligation of
Borrower as a result of such transaction as having been incurred by Borrower at the time of such transaction, no Event of Default or potential Event of Default would exist. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) &#147;<B>Change in Bank Ownership</B>&#148; means the sale, transfer, lease or conveyance by Borrower of its assets, or an issuance of
stock by the Bank, resulting in ownership by Borrower of less than 80% of such Bank (or such Bank&#146;s assets prior to giving effect to such transaction). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) No such consolidation, merger or Change in Bank Ownership shall have the effect of releasing Borrower or any Surviving Entity that shall
theretofore have become such in the manner prescribed in this 0 from its liability under this Agreement and the Term Loan. Borrower agrees to provide written notice to Lenders of its intention to consolidate with or merge with, or sell, lease or
otherwise transfer all or substantially all of its assets to, or the Bank&#146;s intention to issue stock to, any Person, no later than five (5)&nbsp;Business Days after the earlier of: (i)&nbsp;Borrower&#146;s receipt of a binding letter of intent
with respect to such transaction; or (ii)&nbsp;the execution of an agreement by and between Borrower and any Person with respect to such transaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.12 <U>Absence of Control</U></B> It is the intent of the parties to this Agreement that in no event, other than with respect to any
bankruptcy, reorganization, arrangement, insolvency, moratorium or liquidation proceedings under U.S. federal or state bankruptcy laws, shall Lenders, by reason of this Agreement or the Note, be deemed to control, directly or indirectly, Borrower or
any of its Subsidiaries, and Initial Lender shall not exercise, or be deemed to exercise, directly or indirectly, a controlling influence over the management or policies of Borrower or any of its Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;3.13 <U>Additional Covenants, Representations and Warranties of the Initial Lender</U> </B>The Initial Lender hereby covenants, represents and
warrants to the Borrower as of the Closing Date as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <U>Legal Power and Authority</U>. The Initial Lender has all necessary
power and authority to execute, deliver and perform its obligations under the Agreement and to consummate the transactions hereby, and no further consent or authorization is required in connection with the execution, delivery and performance by it
of the transactions contemplated hereby. The initial Lender is duly organized, validly existing and in good standing under the laws of its jurisdiction of organization. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <U>The Agreement</U>. This Agreement has been duly and validly authorized, executed and delivered by the Initial Lender and, assuming due
authorization, execution and delivery by the Borrower, constitutes its legal, valid and binding obligations, enforceable in accordance with the terms of this Agreement, except as the enforceability may be limited by bankruptcy, insolvency or other
similar laws affecting creditors&#146; rights generally and subject to general principles of equity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <U>Accredited Investor</U>. At
Closing, Initial Lender will be an &#147;accredited investor,&#148; as such term is defined Rule&nbsp;501(a) of Regulation&nbsp;D (an &#147;<B>Accredited Investor</B>&#148;), and Initial Lender will promptly notify Borrower if Initial Lender no
longer qualifies as an Accredited Investor following the Closing Date. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4. CONDITIONS PRECEDENT TO CLOSING. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.1 <U>Conditions Precedent to Initial Lender&#146;s Obligations</U></B>. The obligation of Initial Lender to make the Term
Loan at the Closing Date is subject to the fulfillment, on or prior to the Closing, of each of the following conditions, any of which may be waived by Initial Lender: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <U>Representations and Warranties</U>. The representations and warranties of Borrower contained herein shall be true and correct in all
material respects as of the date hereof and as of the Closing Date, except for such representations and warranties that speak as of a specific date (which representations and warranties are so true and correct as of such date);<I> provided</I>,
<I>however</I>, that for each of the representations and warranties in this Agreement that contains an express materiality qualification shall have been true and accurate in all respects as of the date of this Agreement, and shall be true and
accurate in all respects on the Closing Date (or such other date as specified) as if then made. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <U>Performance</U>. Borrower shall
have performed, satisfied and complied in all material respects with all covenants, agreements and conditions required by this Agreement to be performed, satisfied or complied with by it at or prior to the Closing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <U>No Injunction</U>. No statute, rule, regulation, executive order, decree, ruling or injunction shall have been enacted, entered,
promulgated or endorsed by any court or Governmental Agency of competent jurisdiction that prohibits the consummation of any of the transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) <U>Consents</U>. Borrower shall have obtained in a timely fashion any and all consents, permits, approvals, registrations and waivers
necessary for consummation of the borrowing of the Term Loan, including but not limited to, any and all approvals or indications of non-objection from the applicable Governmental Agencies, all of which shall be and remain so long as necessary in
full force and effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) <U>Borrower Deliverables</U>. Borrower shall have delivered the items set forth in (a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) <U>Due Diligence</U>. Initial Lender shall have performed its due diligence examination of Borrower to Initial Lender&#146;s satisfaction.
Any making of the Term Loan at the Closing is subject to the due diligence of Initial Lender and at the sole discretion of Initial Lender. Initial Lender may decline to make the Term Loan for any reason or no reason. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;4.2 <U>Conditions Precedent to Borrower&#146;s Obligations</U></B>. Borrower&#146;s obligation to borrow the Term Loan from
Initial Lender at the Closing is subject to the fulfillment, on or prior to the Closing Date of the following conditions, any of which may be waived by the Borrower: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) <U>Performance</U>. Initial Lender shall have performed, satisfied and complied in all material respects with all covenants, agreements
and conditions required by this Agreement to be performed, satisfied or complied with by Initial Lender at or prior to the Closing Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <U>Regulatory Approvals</U>. The Borrower shall have received all necessary federal and state banking regulatory approvals permitting
Borrower to redeem or repurchase the Borrower&#146;s outstanding Fixed Rate Cumulative Perpetual Preferred Stock, Series A and Fixed Rate Cumulative Perpetual Preferred Stock, Series B. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <U>No Injunction</U>. No statute, rule, regulation, executive order, decree, ruling or injunction shall have been enacted, entered,
promulgated or endorsed by any court or Governmental Agency of competent jurisdiction that prohibits the consummation of any of the transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) <U>Lender Deliverables</U>. Initial Lender shall have delivered the items set forth in (b). </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;5. BORROWER&#146;S DEFAULTS AND LENDERS&#146; REMEDIES. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;5.1 <U>Event of Default</U></B>. Notwithstanding any cure periods described below, Borrower shall immediately notify Lenders in
writing when Borrower obtains knowledge of the occurrence of any default specified below. Regardless of whether Borrower has given the required notice, the occurrence of one or more of the following will constitute an &#147;<B>Event of
Default</B>&#148; under the Term Loan: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Borrower or any Major Bank Subsidiary applies for, consents to or acquiesces in the
appointment of a receiver for itself, or in the absence of such application, consent or acquiescence, a receiver is appointed for Borrower; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) Any proceedings are commenced by or against Borrower or any Major Bank Subsidiary under any bankruptcy, reorganization, arrangement,
insolvency, readjustment of debt, dissolution or liquidation law or statute of the federal government or any state government, if such proceedings are instituted, Borrower or Bank by any action or failure to act indicates its approval of, consent to
or acquiescence therein, or an order shall be entered approving the petition in such proceedings and within ninety (90)&nbsp;days after the entry thereof such order is not vacated or stayed on appeal or otherwise, or shall not otherwise have ceased
to continue in effect; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) Borrower or any Major Bank Subsidiary applies for, consents to or acquiesces in the appointment of a trustee,
receiver or liquidator for itself under Chapter&nbsp;7 or Chapter&nbsp;11 of the United States Bankruptcy Code (the&nbsp;&#147;<B>Code Provisions</B>&#148;), or in the absence of such application, consent or acquiescence, a trustee, receiver or
liquidator is appointed for Borrower under the Code Provisions, and is not discharged within ninety (90)&nbsp;days, or any bankruptcy, reorganization, debt arrangement or other proceeding or any dissolution or liquidation proceeding is instituted by
or against Borrower under the Code Provisions, and if instituted, is consented or acquiesced in by it or remains for ninety (90)&nbsp;days undismissed, or if Borrower or Bank is enjoined, restrained or in any way prevented from conducting all or any
material part of its business under the Code Provisions. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) Borrower or any Major Bank Subsidiary becomes insolvent or is unable to pay
its debts as they mature; or makes an assignment for the benefit of creditors or admits in writing its inability to pay its debts as they mature; or suspends transaction of its usual business; or if a trustee of any substantial part of the assets of
Borrower or Bank is applied for or appointed, and if appointed, Borrower or Bank by any action or failure to act indicates its approval of, consent to, or acquiescence in such appointment, or within ninety (90)&nbsp;days after such appointment, such
appointment is not vacated or stayed on appeal or otherwise, or shall not otherwise have ceased to continue in effect; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) Borrower fails
to pay any principal or interest due on the Term Loan when due; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(f) Borrower fails to pay any other fees, charges, costs or expenses
under this Agreement and in each case such failure shall continue for a period of thirty (30)&nbsp;days after notice thereof is given by any Lender to Borrower; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(g) Borrower fails to perform or observe in any material respect any agreement, term, provision, condition, or covenant (other than any such
failure that results in an Event of Default as expressly provided in any other clause of 0) required to be performed or observed by Borrower hereunder or other agreement with or in favor of Lenders and in each case such failure shall continue for a
period of thirty (30)&nbsp;days after notice thereof is given by any Lender to Borrower. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;5.2 <U>Effect of Event of Default; Remedies of Lenders</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Upon the occurrence of any Event of Default, and upon the vote of Majority Lenders, any Lender shall have the right, if such Event of
Default shall then be continuing, in addition to all the remedies conferred upon Lenders by the terms of this Agreement or the Term Loan, to do any or all of the following, concurrently or successively, without notice to Borrower: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">Solely pursuant to Sections 5.1(a), (b), (c)&nbsp;and (d), declare the Term Loan to be, and it shall thereupon become, immediately due and
payable, subject to approval by applicable regulatory authorities, without presentation, demand, protest or notice of any kind, all of which are hereby expressly waived, anything contained herein or in the Term Loan to the contrary. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">[Reserved] </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">Following the
occurrence of any Event of Default and until such Event of Default is cured by Borrower or waived by the holders of the Term Loan pursuant to Section&nbsp;1.1(c), Borrower shall not: (w)&nbsp;make any payments on any indebtedness that ranks junior
to the Term Loan; (x)&nbsp;declare or pay any dividends on its equity securities; (y)&nbsp;redeem or otherwise acquire any of its equity securities; or (z)&nbsp;make any other distributions with respect to its equity securities or set aside any
monies or properties for such purposes. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">Upon the occurrence of any Event of Default, it is specifically understood and agreed that
notwithstanding the curing of any such Event of Default, Borrower shall not be released from any of its covenants hereunder unless and until the Term Loan is paid in full. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">Nothing in this (g)&nbsp;is intended to restrict any Lender&#146;s rights under the Term Loan, other related documents, or at law or in
equity, and any Lender may exercise such rights and remedies as and when they are available. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) In case of any Event of Default
hereunder, Borrower shall pay Lenders&#146; reasonable fees and expenses including attorneys&#146; fees and expenses, in connection with the enforcement of this Agreement or other related documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) In each case of an Event of Default,, the Majority Lenders may elect to waive all or an individual remedy, including but not limited to 0.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;5.3 <U>Reserved</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6. MISCELLANEOUS</B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.1 <U>Successors and Assigns</U></B>. The provisions of this Agreement will inure to the benefit of and be binding upon the
parties and their successors and permitted assigns. Neither this Agreement, nor any rights or obligations hereunder, may be assigned by the Borrower without the prior written consent of the Initial Lender, or, at any such time the Initial Lender
shall hold less than 66 2/3% of the then-outstanding aggregate principal amount of the Term Loan, without the prior written consent of the Majority Lenders. Subject to 0, this Agreement, the Term Loan and any rights or obligations hereunder, may be
assigned by any Lender without the prior written consent of Borrower. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.2 <U>Amendments</U></B>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) Subject to any necessary regulatory approval, this Agreement, the Note and any related transaction documents may, with the consent of the
Borrower and the Majority Lenders, be amended or any provision, past default, or non-compliance thereof waived; <I><U>provided</U></I>, <I><U>however</U></I>, that, without the consent of each Lender, no such amendment or waiver may: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">reduce the principal amount of the Term Loan; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">reduce the rate of or change the time for payment of interest on the Term Loan; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">extend the maturity of the Term Loan; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">make any change in this 0 or in 0; 0; or 0; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">make any change in 0 that adversely affects the rights of any Lender. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b) <U>Effectiveness of Amendments</U>. An amendment or waiver becomes effective in accordance
with its terms and thereafter binds every Lender, unless otherwise provided by (a). After an amendment or waiver becomes effective, the Borrower may require the Initial Lender (or any subsequent Lender) to surrender the Note, so that an appropriate
notation concerning the amendment or waiver may be placed thereon or a new Note, reflecting the amendment or waiver, exchanged therefor. Even if such a notation is not made or such a new Note is not issued, such amendment or waiver and any consent
given thereto by a Lender shall be binding according to its terms on any subsequent holder of the Note. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) <U>Corrective Amendments upon
a Tier 2 Capital Event. </U>In the event of a Tier 2 Capital Event, the Initial Lender, or the Majority Lenders, as the case may be, shall have the right, at their sole discretion, within 45 days of receipt of a written notice from Borrower of such
Tier 2 Capital Event, to make such amendments to this Agreement solely to the extent necessary such that the Term Loan qualifies or continues to qualify as Tier 2 capital under the then-applicable capital adequacy rules and regulations promulgated
by the Federal Reserve. The Borrower shall agree to such amendments so long as such amendments are not reasonably expected to have a Material Adverse Effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.3 <U>Time of the Essence</U></B>. Time is of the essence of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.4 <U>No Waiver</U></B>. No waiver of any term, provision, condition, covenant or agreement herein contained shall be
effective unless set forth in writing signed by Majority Lenders or Borrower (as the case may be), and any such waiver shall be effective only to the extent set forth in such writing. No failure to exercise or delay in exercising, by any party, 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. The rights and remedies provided in this Agreement are cumulative and not exclusive of any right or remedy provided by law or equity. No notice or demand on Borrower in any case shall, in itself, entitle Borrower to any other or
further notice or demand in similar or other circumstances or constitute a waiver of the rights of Lenders to any other or further action in any circumstances without notice or demand. No consent or waiver, expressed or implied, by Lenders to or of
any breach or default by Borrower in the performance of its obligations hereunder shall be deemed or construed to be a consent or waiver to or of any other breach or default in the performance of the same or any other obligations of Borrower
hereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.5 <U>Notices</U>.</B> All notices or communications in respect to this Agreement or the Note shall be
provided in writing and will be deemed given upon the earlier of: (a)&nbsp;actual receipt; and (b)&nbsp;five (5)&nbsp;Business Days after being sent by certified or registered mail, postage prepaid, return receipt requested, in each case as follows:
</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">if&nbsp;to&nbsp;Borrower:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">First National Corporation</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">112 West King Street</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Strasburg, Virginia 22657</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Scott C. Harvard</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Telephone:&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(540) 465-9121</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">E-mail:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">sharvard@fbvirginia.com</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">with&nbsp;a&nbsp;copy&nbsp;to:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Williams Mullen</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">200 S. 10<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Richmond, Virginia 23219</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Wayne A. Whitham, Jr.</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Telephone:&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(804) 420-6473</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">E-mail:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">wwhitham@williamsmullen.com</TD></TR>
</TABLE>

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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">if&nbsp;to&nbsp;Agent&nbsp;or&nbsp;Servicer:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Community Funding CLO, Ltd.</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">c/o StoneCastle Investment Management, LLC</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">152 West 57<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street, 35<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Floor</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">New York, New York 10019</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Rachel Schatten</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">General Counsel</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Telephone:&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(212) 354-6500</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">E-mail:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">rschatten@stonecastle.com</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="10%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="61%"></TD></TR>

<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">with&nbsp;a&nbsp;copy&nbsp;to:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">Cleary, Gottlieb, Steen &amp; Hamilton, LLP</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">One Liberty Plaza</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">New York, NY</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3">10006</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Duane McLaughlin</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Telephone:&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">212-225-2106</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">E-mail:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">dmclaughlin@cgsh.com</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">Any party may change or update its notice address above by written notice to each other party hereto, at the
addresses indicated above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.6 <U>Survival</U></B>. Subject to applicable statute of limitations, the representations,
warranties, agreements and covenants contained herein shall survive the Closing and the extension of the Term Loan. Such representations and warranties shall continue in full force and effect so long as any Term Loan or any other obligation
hereunder shall remain unpaid or unsatisfied (or until final resolution of any claim or action arising from the breach of any such representation and warranty). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.7 <U>Confidential Customer Information</U></B>. None of Lenders, Servicer or any Lender Advisor shall be liable for any
loss, claim, damage or liability attributable to the disclosure of Confidential Customer Information to any Lender, Servicer or any Lender Advisor, <I>provided</I> that such loss, claim, damage or liability does not arise from any prohibited use or
disclosure of such information by any Lender, Servicer or any Lender Advisor. To the extent any Confidential Customer Information is received by any Lender, Servicer or any Lender Advisor, it will use its reasonable best efforts to destroy or return
such information to Borrower. Notwithstanding the foregoing, the Lenders, Servicer or any Lender Advisor may retain such received Confidential Customer Information to comply with applicable law or regulation or professional standard or bona fide
internal compliance policy requirements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.8 <U>No Joint Venture</U></B>. Nothing contained herein or in any document
executed pursuant hereto and no action or inaction whatsoever on the part of any Lender, shall be deemed to make such Lender a partner or joint venturer with Borrower. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.9 <U>Publicity</U></B>. Borrower shall not publicize this Agreement or the issuance of the Note, without the prior written
consent of Majority Lenders, except that Borrower may make any filings required by law; provided, however, that nothing contained herein shall be construed to prohibit Borrower from providing information regarding this Agreement or the Contemplated
Transaction to Borrower&#146;s employees, attorneys, accountants or other advisors in order to evaluate the Contemplated Transaction or in the ordinary course of Borrower&#146;s business, or to third-parties to the extent necessary for Borrower to
obtain any consents from such third-parties to this Agreement or Contemplated Transaction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.10 <U>Documentation</U></B>.
All documents and other instruments required by any of the provisions of this Agreement to be submitted to Initial Lender shall be in the form and substance satisfactory to Initial Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section 6.11 <U>Additional Assurances</U></B>. Each party agrees that, at any time or from time to time, upon the written request of the
other party, it will execute all such further documents and do all such other acts and things as the other party may reasonably request to effectuate the Contemplated Transactions. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.12 <U>Entire Agreement</U></B>. This Agreement and the schedules and exhibits
hereto 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. In entering
into this Agreement neither party has relied upon any representation, warranty, covenant, obligation or other agreement that is not set forth herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.13 <U>Choice of Law</U>.</B> This Agreement shall be governed by and construed in accordance with the internal laws of the
State of New York. Nothing herein shall be deemed to limit any rights, powers or privileges which Lenders may have pursuant to any law of the United States 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 Lenders, Servicer or Lender Advisors which is lawful pursuant to, or which is permitted by, any of the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.14 <U>Forum; Venue</U>.</B> Borrower irrevocably agrees that all actions or proceedings in any way, manner, or respect,
arising out of or from or related to this Agreement shall be litigated only in courts within New York, New York. The parties hereto hereby consent and submit to the jurisdiction of any local, state, or federal court located within said city. The
parties hereto hereby waive any right they may have to transfer or change the venue of any such litigation brought against Borrower or any Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.15 <U>No Third Party Beneficiary</U></B>. This Agreement is made for the sole benefit of Borrower, the Lenders and Servicer
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. For the avoidance of doubt, this 0 does not affect a Person&#146;s rights to indemnification pursuant to 0. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.16 <U>Construction</U>.</B> In this Agreement, unless otherwise stated or the context otherwise requires, the following uses
apply: (a)&nbsp;actions permitted under this Agreement may be taken at any time and from time to time in the actor&#146;s reasonable discretion; (b)&nbsp;references to a statute shall refer to the statute and any successor statute, and to all
regulations promulgated under or implementing the statute or its successor, as in effect at the relevant time; (c)&nbsp;in computing periods from a specified date to a later specified date, the words &#147;from&#148; and &#147;commencing on&#148;
(and the like) mean &#147;from and including,&#148; and the words &#147;to,&#148; &#147;until&#148; and &#147;ending on&#148; (and the like) mean &#147;to, but excluding&#148;; (d)&nbsp;&#147;including&#148; means &#147;including, but not limited
to&#148;; (e)&nbsp;all references to articles, sections, paragraphs, clauses, schedules and exhibits are to articles, sections, paragraphs, clauses, schedules and exhibits in, of or to this Agreement unless otherwise specified; (f)&nbsp;all words
used in this Agreement will be construed to be of such gender or number as the circumstances and context require; (g)&nbsp;the captions and headings of articles, sections, schedules and exhibits appearing in or attached to this Agreement have been
inserted solely for convenience of reference and shall not be considered a part of this Agreement nor shall any of them affect the meaning or interpretation of this Agreement or any of its provisions; and (h)&nbsp;any reference to a document or set
of documents in this Agreement, and the rights and obligations of the parties under any such documents, shall mean such document or documents as amended from time to time, and any and all modifications, extensions, renewals, substitutions or
replacements thereof. Borrower and Lenders further agree that this Agreement shall be construed without regard to any presumption or rule requiring construction or interpretation against the party drafting an instrument or causing any instrument to
be drafted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.17 <U>Certain Accounting Terms</U></B>. Any accounting terms used in this Agreement which are not
specifically defined herein shall have the meaning customarily given to them in accordance with GAAP unless otherwise described differently. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.18 <U>Discretion</U></B>. Unless specified to the contrary herein, all references herein to an exercise of discretion or
judgment by a party, to the making of a determination or designation by a party, to the application of a party&#146;s discretion or opinion, to the granting or withholding of a party&#146;s consent or approval, to the consideration of whether a
matter or thing is satisfactory or acceptable to a party, or otherwise involving the decision making of a party, shall be deemed to mean that such party shall decide unilaterally using its sole and absolute discretion or judgment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.19 <U>WAIVER OF RIGHT TO JURY TRIAL</U></B>. THE PARTIES HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT
THAT ANY OF THEM MAY HAVE TO A </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
TRIAL BY JURY IN ANY LITIGATION ARISING IN ANY WAY IN CONNECTION WITH THIS AGREEMENT OR THE NOTE, OR ANY OTHER STATEMENTS OR ACTIONS OF BORROWER OR LENDER. EACH PARTY ACKNOWLEDGES THAT IT HAS
BEEN REPRESENTED BY OR HAS HAD ACCESS TO INDEPENDENT LEGAL COUNSEL SELECTED OF ITS OWN FREE WILL IN THE SIGNING OF THIS AGREEMENT AND IN THE MAKING OF THIS WAIVER BY, AND THAT IT HAS DISCUSSED THIS WAIVER WITH, SUCH LEGAL COUNSEL. BORROWER AND
LENDER EACH FURTHER ACKNOWLEDGE THAT (a)&nbsp;IT HAS READ AND UNDERSTANDS THE MEANING AND RAMIFICATIONS OF THIS WAIVER AND (b)&nbsp;THIS WAIVER HAS BEEN REVIEWED BY THE PARTIES AND IS A MATERIAL INDUCEMENT FOR THE PARTIES TO ENTER INTO THE
AGREEMENT. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;6.20 <U>Execution</U>.</B> This Agreement may be executed in any number of counterparts, each of which will be
an original and all, when taken together, will be considered one and the same agreement.&nbsp;This Agreement will become effective with respect to Initial Lender when the Borrower receives a counterpart hereof executed by Initial Lender.&nbsp;In the
event that any signature is delivered by facsimile transmission, or by e-mail delivery of a PDF format data file, such signature will 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 or PDF signature page were an original thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Section&nbsp;7. DEFINITIONS</B>. The following
capitalized terms generally used in this Agreement shall have the meanings defined or referenced below. Certain other capitalized terms used only in specific sections of this Agreement may be defined in such sections. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Administrator</B>&#148; means Maples FS Limited or its successor from time to time as administrator for the Initial Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Agent</B>&#148; means, initially, the Initial Lender, or in the event the Initial Lender shall no longer hold any principal amount of
the Term Loan, an agent designated by the Majority Lenders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Affiliate(s)</B>&#148; means, with respect to any Person, such
Person&#146;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,
members, shareholders, directors, officers, employees, agents and representatives; provided that neither the Administrator nor any special purpose entity for which the Administrator acts as administrator and/or share trustee shall be deemed to be an
Affiliate of the Initial Lender solely because such Person or its Affiliate serves as administrator for the Initial Lender. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Business Day</B>&#148; means a day of the week other than a Saturday, Sunday or a legal holiday under the laws of the State of New
York or any other day on which banking institutions located in the State of New York are authorized or required by law or other governmental action to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Commission</B>&#148; means the United States Securities and Exchange Commission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Confidential Customer Information</B>&#148; means all non-public or confidential information that relates to personal financial
information and identities of clients and customers, including, but not limited to names, social security numbers, employer identification numbers, tax identification numbers or other identifying information, which may be disclosed, directly or
indirectly, whether or not by mistake, by or from the Borrower&#146;s controlling persons, directors, officers, employees, Affiliates, associates, agents or advisors, to Lenders either in writing, orally or in any other form or medium, including but
not limited to, loan tapes, deposit tapes, securities tapes, documents and records. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Contemplated Transactions</B>&#148; means
the transactions contemplated by this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Exchange Act</B>&#148; means the Securities Exchange Act of 1934, as amended.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>FDIC</B>&#148; means the Federal Deposit Insurance Corporation. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Federal Reserve</B>&#148; means the Board of Governors of the Federal Reserve System.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>GAAP</B>&#148; means United States generally accepted accounting principles. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Governmental Agency(ies)</B>&#148; means, individually or collectively, any governmental or regulatory authorities, agencies,
arbitrators, courts, commissions or other entities, whether federal, state, local or foreign, or applicable self-regulatory organizations, including any federal or state agency charged with the supervision or regulation of depositary institutions or
holding companies of depositary institutions, or engaged in the insurance of depositary institution deposits, or any court, administrative agency or commission or other authority, body or agency having supervisory or regulatory authority with
respect to Borrower or any of its subsidiaries, and shall include, without limitation, (i)&nbsp;the Small Business Administration, (ii)&nbsp;the Federal Housing Administration, (iii)&nbsp;the Federal Home Loan Mortgage Corporation, (iv)&nbsp;the
Farmers Home Administration (now known as Rural Housing and Community Development Services), (v)&nbsp;the Federal National Mortgage Association, (vi)&nbsp;the United States Department of Veterans&#146; Affairs, (vii)&nbsp;the Government National
Mortgage Association, (viii)&nbsp;the Rural Housing Service of the United States Department of Agriculture, and (ix)&nbsp;the United States Department of Agriculture. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Interest Payment Date</B>&#148; has the meaning set forth in the Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Knowledge</B>&#148; means to the best knowledge of Borrower based on commercially reasonable inquiry. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Legal Requirement</B>&#148; means any federal, state, local, municipal, foreign, international, multinational or other order,
constitution, law, ordinance, regulation, rule, policy statement, directive, statute or treaty. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Lender</B>&#148; means
(i)&nbsp;the Initial Lender, (ii)&nbsp;any Person to whom Initial Lender has assigned any portion of the Term Loan pursuant to Section&nbsp;3.6, and (iii)&nbsp;any successors or permitted assigns of the foregoing under (i)&nbsp;and (ii); so long as,
in each case and at such time of determination, such party holds a portion of the Term Loan (other than a participation interest). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Lender Advisors</B>&#148; means StoneCastle Partners, LLC; StoneCastle Asset Management, LLC; StoneCastle Advisors, LLC; StoneCastle
Securities, LLC; StoneCastle Loan Management, LLC; StoneCastle Cash Management,&nbsp;LLC; and StoneCastle Investment Management, LLC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Major Bank Subsidiary</B>&#148; means any subsidiary of the Borrower that is a &#147;major bank subsidiary&#148; as that term is used
in SR&nbsp;92-37 (FIS) promulgated by the Division of Banking Supervision and Regulation of the Federal Reserve, and as such term may subsequently be defined or interpreted in any rule, regulation, written interpretation or other public issuance of
the Federal Reserve. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Majority Lenders</B>&#148; means Lenders holding at least 66 2/3% of the aggregate outstanding principal
amount of the Term Loan then outstanding </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Material Adverse Effect</B>&#148; means a material adverse effect: (a)&nbsp;in the
condition, financial or otherwise, or in the earnings, business affairs or business prospects of Borrower and its Subsidiaries considered as one enterprise, whether or not arising in the ordinary course of business; or (b)&nbsp;on the ability of
Borrower to enter into and perform its obligations under, or consummate the transactions contemplated in, this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Material Contract</B>&#148; means any of the following agreements of Borrower or any of its Subsidiaries: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(a) other than with respect to Loans, any contract providing for, or reasonably likely to result in, the receipt or expenditure of more than
$75,000 on an annual basis, including the payment or receipt of royalties or other amounts calculated based upon revenues or income; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(b)
any real property lease and any other lease with annual rental payments aggregating $75,000 or more; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(c) any contract that by its terms
limits the payment of dividends or other distributions by Borrower or any Subsidiary; and </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(d) any contract that would reasonably be expected to prevent, materially delay, or materially
impede Borrower&#146;s ability to consummate the Contemplated Transactions; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman">(e) any joint venture, partnership, strategic alliance,
or other similar contract (including any franchising agreement, but in any event excluding introducing broker agreements), and any contract relating to the acquisition or disposition of any material business or material assets (whether by merger,
sale of stock or assets, or otherwise), which acquisition or disposition is not yet complete or where such contract contains continuing material obligations or contains continuing indemnity obligations of Borrower or any of the Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Outside Date</B>&#148; means October&nbsp;31, 2015. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Person</B>&#148; 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="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Prepayment Price</B>&#148; means a price equal to 100% of the principal balance of the Term Loan as of the date of any prepayment (to
the extent that Borrower is prepaying the Term Loan in full) or to the extent that Borrower is prepaying a portion of the principal amount outstanding, the amount of such principal prepayment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Record Date</B>&#148; has the meaning set forth in the Note. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Representative</B>&#148; means (i)&nbsp;the Servicer, (ii)&nbsp;the Lender Advisors, and (iii)&nbsp;any Lender&#146;s directors,
officers, employees and professional advisors engaged to advise such Lender with respect to this Agreement, the Note, and the Contemplated Transactions who have a reasonable need to know information about Borrower and who agree in writing, in form
and substance satisfactory to Borrower, not to use such information for their own benefit and to maintain the confidentiality of the information in question except as required otherwise by law or regulation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Securities Act</B>&#148; means the Securities Act of 1933, as amended. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Servicer</B>&#148; means StoneCastle Investment Management, LLC, as the servicer of the assets held by the Initial Lender, or any
successor servicer or agent designated by the Majority Lenders. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>Subsidiary(ies)</B>&#148; means individually or collectively,
any &#147;significant subsidiary&#148; of Borrower (as such term is defined in Rule&nbsp;1-02 of Regulation S-X of the Commission) and listed on <U>Schedule A</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;<B>United States</B>&#148; means the United States of America. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>[T<SMALL>HIS</SMALL> S<SMALL>PACE</SMALL> L<SMALL>EFT</SMALL> I<SMALL>NTENTIONALLY</SMALL> B<SMALL>LANK</SMALL>]</I></B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>[S<SMALL>IGNATURE</SMALL> P<SMALL>AGE</SMALL> F<SMALL>OLLOWS</SMALL>] </I></B></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>I<SMALL>N</SMALL> W<SMALL>ITNESS</SMALL> W<SMALL>HEREOF</SMALL></B><SMALL></SMALL>, the
parties hereto have caused this Agreement to be executed by their duly authorized representatives as of the date first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="78%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><B><U>B<SMALL>ORROWER</SMALL>:</U></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><B>FIRST NATIONAL CORPORATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Scott C. Harvard</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Scott C. Harvard</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><B><U>I<SMALL>NITIAL</SMALL> L<SMALL>ENDER</SMALL>:</U></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><B>C<SMALL>OMMUNITY</SMALL> F<SMALL>UNDING</SMALL> CLO, L<SMALL>TD</SMALL>.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Jarladth Travers</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Jarladth Travers</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="78%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">Acknowledged and Agreed:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"><B>S<SMALL>TONE</SMALL>C<SMALL>ASTLE</SMALL> I<SMALL>NVESTMENT</SMALL> M<SMALL>ANAGEMENT</SMALL>, LLC</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ George Shilowitz</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">George Shilowitz</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Managing Director</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Subordinated Term Loan Agreement] </I></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>S<SMALL>CHEDULE</SMALL> A</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>S<SMALL>UBSIDIARIES</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">First National </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Corporation </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT STYLE="font-family:Times New Roman; font-size:24pt"><FONT
STYLE="FONT-FAMILY:'WINGDINGS 3'">&#105;</FONT></FONT><FONT STYLE="font-family:Times New Roman; font-size:10pt"> </FONT></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">First Bank </P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>S<SMALL>CHEDULE</SMALL> B</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>D<SMALL>ISCLOSURE</SMALL> S<SMALL>CHEDULES</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.2 &#150; Existing Security Interests or Liens </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.5 &#150; Regulatory Consents and
Approvals </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.6 &#150;
Preemptive Rights </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.13
&#150; Taxes Due </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.18
&#150; Insurance </U></B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(A)</TD>
<TD ALIGN="left" VALIGN="top">Commercial Package </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Building and Business Personal Property (Blanket) </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Business Income </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">Flood Coverage </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">Earthquake Coverage </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">General Liability </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top">Employee Benefit Plan Admin. Liability </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(B)</TD>
<TD ALIGN="left" VALIGN="top">Mortgage Holders Errors and Omissions </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(C)</TD>
<TD ALIGN="left" VALIGN="top">Commercial Auto Policy </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Bank-Owned Vehicles </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Repossessed Vehicles </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(D)</TD>
<TD ALIGN="left" VALIGN="top">Foreclosed properties </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Commercial Property </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">General Liability </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(E)</TD>
<TD ALIGN="left" VALIGN="top">Excess Umbrella </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(F)</TD>
<TD ALIGN="left" VALIGN="top">STAMP Surety Bond </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(G)</TD>
<TD ALIGN="left" VALIGN="top">Employee Insurance </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Health </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Dental </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">Vision </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">Life </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">Disability </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(H)</TD>
<TD ALIGN="left" VALIGN="top">Workers Compensation Policy </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Bodily Injury by Accident </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="8%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Bodily Injury by Disease </TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.19 &#150; Regulatory Filings </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company filed a Current Report on Form 8-K with the Commission on January&nbsp;28, 2011, one day late to report an event that occurred on January&nbsp;21,
2011. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><U>Section&nbsp;2.22 &#150; Prohibition on Interest Payments </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">None. </P>

<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>S<SMALL>CHEDULE</SMALL> C</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>P<SMALL>RINCIPAL</SMALL> L<SMALL>OAN</SMALL> A<SMALL>MOUNT</SMALL> <SMALL>AND</SMALL> I<SMALL>NTEREST</SMALL>
R<SMALL>ATE</SMALL></U><SMALL></SMALL> </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Date:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">October&nbsp;30, 2015</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Borrower Name:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First National Corporation</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Principal Amount of the Loan:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">$5,000,000</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Applicable Interest Rate:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">6.75% per annum</TD></TR>
</TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>E<SMALL>XHIBIT</SMALL> A</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>F<SMALL>ORM</SMALL> <SMALL>OF</SMALL> S<SMALL>UBORDINATED</SMALL> T<SMALL>ERM</SMALL> N<SMALL>OTE</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FIRST NATIONAL CORPORATION </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS
SUBORDINATED TERM NOTE (THIS &#147;NOTE&#148;) WILL BE ISSUED AND MAY BE TRANSFERRED ONLY IN MINIMUM DENOMINATIONS OF $100,000 AND MULTIPLES OF $100,000 IN EXCESS THEREOF. ANY ATTEMPTED TRANSFER OF THIS NOTE IN A DENOMINATION OF LESS THAN $100,000
AND MULTIPLES OF $100,000 IN EXCESS THEREOF SHALL BE DEEMED TO BE VOID AND OF NO LEGAL EFFECT WHATSOEVER. ANY SUCH PURPORTED TRANSFEREE SHALL BE DEEMED NOT TO BE THE HOLDER OF SUCH NOTE FOR ANY PURPOSE, INCLUDING, BUT NOT LIMITED TO, THE RECEIPT OF
PAYMENTS ON SUCH NOTE, AND SUCH PURPORTED TRANSFEREE SHALL BE DEEMED TO HAVE NO INTEREST WHATSOEVER IN SUCH NOTE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS OBLIGATION IS NOT A DEPOSIT AND IS
NOT INSURED BY THE UNITED STATES OR ANY AGENCY OR FUND OF THE UNITED STATES, INCLUDING THE FEDERAL DEPOSIT INSURANCE CORPORATION. THIS OBLIGATION IS SUBORDINATED TO THE CLAIMS OF DEPOSITORS AND THE CLAIMS OF GENERAL AND SECURED CREDITORS OF THE
COMPANY, IS INELIGIBLE AS COLLATERAL FOR A LOAN BY THE COMPANY OR ANY OF ITS SUBSIDIARIES AND IS UNSECURED. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">THIS NOTE MAY BE SOLD ONLY IN COMPLIANCE WITH
APPLICABLE FEDERAL AND STATE SECURITIES LAWS. THIS NOTE HAS NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE &#147;SECURITIES ACT&#148;), OR ANY STATE SECURITIES LAWS OR ANY OTHER APPLICABLE SECURITIES LAWS. NEITHER THIS NOTE
NOR ANY INTEREST OR PARTICIPATION HEREIN MAY BE REOFFERED, SOLD, ASSIGNED, TRANSFERRED, PLEDGED, ENCUMBERED OR OTHERWISE DISPOSED OF IN THE ABSENCE OF SUCH REGISTRATION OR UNLESS SUCH TRANSACTION IS EXEMPT FROM, OR NOT SUBJECT TO, THE REGISTRATION
REQUIREMENTS OF THE SECURITIES ACT. THIS NOTE IS ISSUED SUBJECT TO THE RESTRICTIONS ON TRANSFER, EXERCISE AND OTHER PROVISIONS OF A SUBORDINATED LOAN AGREEMENT DATED OCTOBER 30, 2015 BETWEEN THE ISSUER AND THE LENDERS REFERRED TO THEREIN (THE
&#147;LOAN AGREEMENT&#148;), A COPY OF WHICH IS ON FILE WITH THE COMPANY. THE NOTE REPRESENTED BY THIS INSTRUMENT MAY NOT BE TRANSFERRED OR EXERCISED EXCEPT IN COMPLIANCE WITH THE LOAN AGREEMENT. ANY SALE OR OTHER TRANSFER NOT IN COMPLIANCE WITH THE
LOAN AGREEMENT WILL BE VOID. </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FIRST NATIONAL CORPORATION </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERM NOTE DUE 2025 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Certificate No.: 1 </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>
<TD WIDTH="51%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">U.S. $5,000,000</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">Dated: October&nbsp;30, 2015</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">FOR VALUE RECEIVED, the undersigned, First National Corporation, a Virginia corporation
(the&nbsp;&#147;<B>Company</B>&#148;), promises to pay to the order of StoneCastle Financial Corp., or registered assigns (collectively, the &#147;<B>Lender</B>&#148;), the principal amount of $5,000,000 in the lawful currency of the United States
of America, or such lesser or greater amount as shall then remain outstanding under this Note, at the times and in the manner provided herein, but no later than October&nbsp;1, 2025, or such other date upon which this Note shall become due and
payable, whether by reason of extension, acceleration or otherwise, subject to, and in accordance with, the terms of the Subordinated Loan Agreement, dated as of October&nbsp;30, 2015 by and between the Company as Borrower, and the Lender, as Lender
(as amended, restated, amended and restated, refinanced, extended, supplemented and/or otherwise modified from time to time, the &#147;<B>Loan Agreement</B>&#148;). Capitalized terms not otherwise defined herein shall have the meanings ascribed to
such terms in the Loan Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Interest on this Note will be payable quarterly in arrears on
January&nbsp;1,&nbsp;April&nbsp;1,&nbsp;July&nbsp;1 and October&nbsp;1 of each year, commencing on the first such date following the Closing Date, to the Lender of record on December&nbsp;15, March&nbsp;15,&nbsp;June&nbsp;15 and September&nbsp;15
(each, a <B>Record Date</B>&#148;) and at maturity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Reference is hereby made to the further provisions of this Note set forth on the
reverse hereof, which further provisions shall for all purposes have the same effect as if set forth at this place. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Note is the Note
referred to in the Loan Agreement that, among other things, contains provisions for the acceleration of the maturity hereof upon the happening of certain events, and for optional prepayment of the principal hereof prior to the maturity hereof, all
upon the terms and conditions therein specified. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS NOTE MAY NOT BE TRANSFERRED OR ASSIGNED EXCEPT IN COMPLIANCE WITH THE TERMS OF THE
LOAN AGREEMENT. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS NOTE SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE LAW OF THE STATE OF NEW YORK. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="80%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">FIRST NATIONAL CORPORATION</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Scott C. Harvard</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Scott C. Harvard</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">ATTEST:</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
</TABLE>

<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[REVERSE SIDE OF NOTE] </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FIRST NATIONAL CORPORATION </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERM
NOTE DUE 2025 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company promises to pay interest on the principal amount of this Note (this&nbsp;&#147;<B>Note</B>&#148;), commencing
on the Closing Date until October&nbsp;1, 2025 (the &#147;<B>Maturity Date</B>&#148;), or such earlier date as this Note is paid in full, at a fixed rate equal to 6.75%&nbsp;per annum. The unpaid principal balance of this Note plus all accrued but
unpaid interest thereon shall be due and payable on the Maturity Date, or such earlier date on which such amount shall become due and payable. This Note is the Note referred to in that certain Subordinated Loan Agreement, dated October&nbsp;30,
2015, by and between the Company and Lender (the&nbsp;&#147;<B>Loan Agreement</B>&#148;). Capitalized terms not otherwise defined herein shall have the meanings ascribed to such terms in the Loan Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><U>Computation and Payment of Interest</U>. This Note will bear interest at the rate set forth above from and including each Interest Payment
Date to, but excluding, the next succeeding Interest Payment Date (or in the case of the initial Interest Payment Date, from the Closing Date to, but excluding, the initial Interest Payment Date), or in the case of the final Interest Payment Date,
the Maturity Date. Interest on this Note shall be paid in arrears on each Interest Payment Date. The initial Interest Payment Date shall be January&nbsp;1, 2016. &#147;<B>Interest Payment Date</B>&#148; shall mean
January&nbsp;1,&nbsp;April&nbsp;1,&nbsp;July&nbsp;1 and October&nbsp;1 of each year and the Maturity Date. Interest shall be computed on the basis of the actual number of days elapsed in the period during which interest accrues and a year of 360
days. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><U>Non-Business Days</U>. Whenever any payment to be made by the Company hereunder shall be stated to be due on a day which is not
a Business Day, such payment shall be made on the next succeeding Business Day without change in any computation of interest with respect to such payment (or any succeeding payment). &#147;<B>Business Day</B>&#148; means any day other than a
Saturday, Sunday or a legal holiday under the laws of the State of New York or any other day on which banking institutions located in the State of New York are authorized or required by law or other governmental action to close. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><U>Subordination</U>. So long as any portion of the unpaid principal of this Note is deemed by the Federal Reserve of the Company to be Tier 2
capital of the Company in accordance with the rules and regulations of the Federal Reserve applicable to the capital status of the subordinated debt of bank holding companies, the rights of the Lender to the principal sum and to any accrued interest
shall remain subject and subordinate in right of payment (in accordance with 12 C.F.R. 250.166, as supplemented by Federal Reserve Supervisory Letter SR 92 37 (October 15, 1992) and 12 C.F.R. 217.20(d)) to the claims of: (a)&nbsp;creditors of the
Company holding senior indebtedness, which shall include, without limitation, the following: (i)&nbsp;all borrowed and purchased money (except such borrowed or purchased money that by its terms expressly ranks <I>pari passu</I> with, or junior to,
the Note); (ii)&nbsp;similar obligations arising from off-balance sheet guarantees and direct credit substitutes; and (iii)&nbsp;obligations associated with derivative products such as interest and foreign exchange rate contracts, commodity
contracts, and similar arrangements; (b)&nbsp;general creditors (collectively, &#147;<B>Senior Claims</B>&#148;). For the avoidance of doubt, the rights of the Lender to the principal sum and to any accrued interest shall remain subject and
subordinate in right of payment to all Senior Claims in the final year prior to maturity of the Term Loan notwithstanding the exclusion of the Term Loan from Tier 2 capital of the Company when the remaining maturity of the Term Loan is under one
year. Upon dissolution or liquidation of the Company, no payment of principal, interest or premium (including post default interest) shall be due and payable under the terms of this Note until all Senior Claims shall have been paid in full. The Note
ranks equally with all of the Company&#146;s other present or future Unsecured Subordinated Debt, except any of its Unsecured Subordinated Debt which may be expressly stated to be subordinated to the Note. The Note ranks senior to all current and
future junior subordinated obligations or securities of the Company. &#147;<B>Unsecured Subordinated Debt</B>&#148; means unsecured subordinated debt of the Company whether or not such debt is intended to qualify as Tier 2 capital under the
applicable capital adequacy rules and regulations promulgated by the Federal Reserve. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><U>Amendments and Waivers</U>. The Note and the
terms hereunder may only be amended or waived in accordance with the provisions of the Loan Agreement. Neither any failure nor any delay on the part of the Lender in exercising any right, power or privilege under this Note shall operate as a waiver
thereof, nor shall a single or partial exercise thereof preclude any other or further exercise of any other right, power or privilege. </P>

<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:8%; font-size:10pt; font-family:Times New Roman"><U>Notices</U>. All notices and other communications hereunder shall be in writing and, for
purposes of this Note, shall be delivered in accordance with, and effective as provided in, the Loan Agreement. </P>

<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>E<SMALL>XHIBIT</SMALL> B</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>F<SMALL>ORM</SMALL> <SMALL>OF</SMALL> N<SMALL>OTICE</SMALL> <SMALL>OF</SMALL> B<SMALL>ORROWING</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Community Funding CLO, Ltd. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">c/o StoneCastle Investment
Management, LLC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">152 West 57th Street, 35th Floor </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York,
New York 10019 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Attention: Rachel Schatten, General Counsel </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Telephone: (212)&nbsp;354-6500 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">E-mail: rschatten@stonecastle.com
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned, First National Corporation. (the &#147;<U>Borrower</U>&#148;), refers to the Subordinated Loan Agreement dated on or
about October&nbsp;30, 2015 (the &#147;<U>Loan Agreement</U>&#148;), among the Borrower and Community Funding CLO, Ltd., as Lender. Capitalized terms used herein and not otherwise defined herein shall have the meanings assigned to such terms in the
Loan Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Borrower hereby gives notice pursuant to Section&nbsp;1.9(a)(ii) that it requests a Term Loan pursuant to the
provisions of Section&nbsp;1 of the Loan Agreement and in connection herewith sets forth below the terms on which such borrowing is requested to be made: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="37%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(A)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Date of Borrowing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(which is a Business Day)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman; ">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;October&nbsp;30,&nbsp;2015</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(B)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Principal Amount of Borrowing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman; ">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$5,000,000</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(C)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Closing Fee</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman; ">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;None.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(D)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Net Settlement/Funding Amount:</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman; ">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$5,000,000</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">(Principal minus Closing Fee)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">(E)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Account Number and Location</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Bank Name: [</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Routing Number: [</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Account Name: [</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;]</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Account&nbsp;Number:&nbsp;[</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;]<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned hereby certifies that all of the conditions to the proposed Loan set forth in Section&nbsp;4
of the Loan Agreement have been, or will be, fulfilled on the Date of Borrowing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<B>Signature Page Immediately Follows.</B>] </P>
<P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP><B></B></TD>
<TD ALIGN="left" VALIGN="top"><B>CGSH Note</B>: Borrower to provide. </TD></TR></TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>FIRST NATIONAL CORPORATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Scott C. Harvard</P></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Scott C. Harvard</TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and Chief Executive Officer</TD></TR>
</TABLE></DIV>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>E<SMALL>XHIBIT</SMALL> C </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>F<SMALL>ORM</SMALL> <SMALL>OF</SMALL> L<SMALL>EGAL</SMALL> O<SMALL>PINION</SMALL> </B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top">Borrower and the Bank are validly existing and in good standing under the laws of their respective jurisdictions of organization. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top">Borrower is a registered bank holding company under the Bank Holding Company Act of 1956, as amended. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top">The Bank is an &#147;insured depository institution&#148; under Section&nbsp;3(c)(2) of the Federal Deposit Insurance Act. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top">Borrower has the corporate power and authority to execute and deliver and to perform its obligations under the Agreement, including, without limitation, to borrow under the Term Loan pursuant to the Agreement, and the
execution, delivery and performance thereof by Borrower have been duly authorized by all necessary corporate action on the part of Borrower. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top">The Agreement has been duly executed and delivered by Borrower and constitutes the valid and binding obligation of Borrower, enforceable against Borrower in accordance with its terms, subject to applicable bankruptcy,
insolvency, reorganization, moratorium or similar laws affecting creditors generally and to general principles of equity. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top">The execution and delivery by Borrower of the Agreement and the consummation or performance of any of the Contemplated Transactions, does not and will not require any consent, approval, license or exemption by, order or
authorization of, or filing, recording or registration by Borrower with any federal or state governmental authority, except any such indication of non-objection, consent, approval, license or exemption by, order or authorization of, or filing,
recording or registration by Borrower with any federal or state governmental authority that has been obtained or made on or prior to the date hereof and remains in full force and effect. </TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top">The execution and delivery by Borrower of the Agreement and the consummation or performance of any of the Contemplated Transactions, does not and will not: (a)&nbsp;violate any federal or state statute, rule or
regulation applicable to Borrower in transactions of the nature contemplated by the Agreement; (b)&nbsp;violate any court order, judgment or decree known to such counsel; (c)&nbsp;result in any violation of the Articles of Incorporation or Bylaws of
Borrower; or (d)&nbsp;result in a breach of, or constitute a default under, any Material Contract. </TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">8.</TD>
<TD ALIGN="left" VALIGN="top">Neither Borrower nor any of its Subsidiaries is an &#147;investment company&#148; as such term is defined in the Investment Company Act of 1940, as amended. </TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top">The opinion letter of Borrower&#146;s counsel will be subject to customary limitations and carveouts, and such counsel may rely as to matters of fact upon such certificates of the officers of Borrower and the Bank or
governmental officials as such counsel deems appropriate. </TD></TR></TABLE>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>E<SMALL>XHIBIT</SMALL> D </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>F<SMALL>ORM</SMALL> <SMALL>OF</SMALL> S<SMALL>ECRETARY</SMALL>&#146;<SMALL>S</SMALL> C<SMALL>ERTIFICATE</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned hereby certifies that such person is the duly elected, qualified and acting Secretary of First National Corporation, a
Virginia corporation (the &#147;<B>Borrower</B>&#148;), and that as such she is authorized to execute and deliver this certificate in the name and on behalf of the Borrower and in connection with the Subordinated Loan Agreement, dated as of
October&nbsp;30, 2015, by and between the Borrower and Community Funding CLO, Ltd., a Cayman Islands exempted company incorporated with limited liability (the&nbsp;&#147;<B>Loan Agreement</B>&#148;), and further certifies in such person&#146;s
official capacity, in the name and on behalf of the Borrower, the items set forth below. Capitalized terms used but not otherwise defined herein shall have the meaning set forth in the Loan Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1. Attached hereto as <U>Exhibit A</U> is a true, correct and complete copy of the resolutions duly adopted by the Board of Directors of the Borrower dated
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2015, which represent all of the resolutions approving the transactions contemplated by the Loan Agreement and the borrowing of the Term Loan. Such resolutions have not in
any way been amended, modified, revoked or rescinded, have been in full force and effect since their adoption to and including the date hereof and are now in full force and effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2. Attached hereto as <U>Exhibit B</U> is a true, correct and complete copy of the Articles of Incorporation of the Borrower
(the&nbsp;&#147;<B>Charter</B>&#148;), together with any and all amendments thereto currently in effect, and no action has been taken to amend, modify or repeal the Charter, the same being in full force and effect in the attached form as of the date
hereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">3. Attached hereto as <U>Exhibit C</U> is a true, correct and complete copy of the Bylaws of the Borrower and any and all amendments thereto
currently in effect, and no action has been taken to amend, modify or repeal such Bylaws, the same being in full force and effect in the attached form as of the date hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">4. Each person listed below has been duly elected or appointed to the position(s) indicated opposite his or her name and is duly authorized to sign the
Agreement and related documents on behalf of the Borrower, and the signature appearing opposite such person&#146;s name below is such person&#146;s genuine signature. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:20.00pt; font-size:8pt; font-family:Times New Roman"><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:27.50pt; font-size:8pt; font-family:Times New Roman"><B>Position</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1.00pt solid #000000; width:33.30pt; font-size:8pt; font-family:Times New Roman"><B>Signature</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;</B></P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature page follows] </I></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned has hereunto set her hand as of this
[&nbsp;&nbsp;&nbsp;&nbsp;] day of [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], 2015. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;</B></P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">I,
[&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;], [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] of
the Borrower, hereby certify that [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] is the duly elected,
qualified and acting Secretary of the Borrower and that the signature set forth above is her true signature. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR STYLE="font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>&nbsp;</B></P></TD></TR>
</TABLE></DIV>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>E<SMALL>XHIBIT</SMALL> E</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>F<SMALL>ORM</SMALL> <SMALL>OF</SMALL> O<SMALL>FFICER</SMALL>&#146;<SMALL>S</SMALL> C<SMALL>ERTIFICATE</SMALL> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The undersigned, in his capacity as [&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;] of First National Corporation,
a Virginia corporation (the &#147;<B>Borrower</B>&#148;), pursuant to the terms of the Subordinated Loan Agreement, dated as of October&nbsp;30, 2015, by and between the Borrower and Community Funding CLO, a Cayman Islands exempted company
incorporated with limited liability (the&nbsp;&#147;<B>Loan Agreement</B>&#148;), hereby represents, warrants and certifies as follows (capitalized terms used but not otherwise defined herein shall have the meaning set forth in the Term Loan
Agreement): </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. The representations and warranties of the Borrower contained in the Term Loan Agreement were true and correct in all
material respects as of the date of the Term Loan Agreement and as of the date hereof as if then made, except for such representations and warranties that speak as of a specific date (which representations and warranties were so true and correct as
of such date);<I> provided</I>, <I>however</I>, that the representations and warranties that contain an express materiality qualification were true and correct in all respects as of the date of the Term Loan Agreement and as of the date hereof as if
then made (or such other date as specified). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. The Borrower has performed, satisfied and complied in all material respects with all
covenants, agreements and conditions required by the Agreement to be performed, satisfied or complied with by it at or prior to the Closing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. The Borrower has obtained any and all consents, permits, approvals, registrations and waivers necessary for consummation of the borrowing
of the Term Loan, including but not limited to, any and all approvals or indications of non-objection from the applicable Governmental Agencies, all of which are in full force and effect as of the date hereof. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>IN WITNESS WHEREOF</B>, the undersigned has executed this certificate this </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD WIDTH="100%"></TD></TR>


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<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
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<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>d16471dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
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<TITLE>EX-99.1</TITLE>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g16471ex99_1logo.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">First National Corporation Announces Plan to Redeem Preferred Stock </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">STRASBURG, Va<B>, </B>Nov. 3, 2015 &#151; First National Corporation (the &#147;Company&#148;) (OTC: FXNC), the parent company of First Bank (the
&#147;Bank&#148;), today announced its plan to redeem all 13,900 shares of Series A preferred stock at par for $13.9 million and all 695 shares of Series B preferred stock at par for $695 thousand on December&nbsp;2, 2015 (the
&#147;Redemption&#148;). The Series A and Series B preferred stock both have a 9.00% dividend rate. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company plans to fund the Redemption with
existing cash and $5 million of proceeds received by the Company from the private placement of subordinated notes issued on October&nbsp;30, 2015 (the &#147;Issuance&#148;). The subordinated notes have a fixed interest rate of 6.75% for ten years
with a maturity date of October&nbsp;1, 2025. The notes may be repaid in full by the Company on or after October&nbsp;1, 2020. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Company expects a
favorable impact to net income available to common shareholders of $1.1 million on an annual basis and capital ratios to exceed its target levels following the Issuance and Redemption. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About the Company </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">First National Corporation,
headquartered in Strasburg, Virginia, is the bank holding company of First Bank, a community bank that first opened for business in 1907. The Bank offers loan, deposit, and wealth management products and services from 17 office locations located
throughout the Shenandoah Valley and central regions of Virginia. Banking services are also accessed from the Bank&#146;s website, www.fbvirginia.com, and from a network of ATMs located throughout its market areas. The Bank operates a wealth
management division under the name First Bank Wealth Management as well as a mortgage division. First Bank also owns First Bank Financial Services, Inc., which invests in entities that provide investment services and title insurance. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Caution about Forward Looking Statements </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Certain
information contained in this discussion may include &#147;forward-looking statements&#148; within the meaning of Section&nbsp;27A of the Securities Act of 1933, as amended, and Section&nbsp;21E of the Securities Exchange Act of 1934, as amended.
These forward-looking statements relate to the Company&#146;s future operations and are generally identified by phrases such as &#147;the Company expects,&#148; &#147;the Company believes&#148; or words of similar import. Although the Company
believes that its expectations with respect to the forward-looking statements are based upon reliable assumptions within the bounds of its knowledge of its business and operations, there can be no assurance that actual results, performance or
achievements of the Company will not differ materially from any future results, performance or achievements expressed or implied by such forward-looking statements. For details on factors that could affect expectations, see the risk factors and
other cautionary language included in the Company&#146;s Annual Report on Form 10-K for the year ended December&nbsp;31, 2014, and other filings with the Securities and Exchange Commission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Contacts: </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Scott C. Harvard </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">President and CEO </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(540) 465-9121 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>sharvard@fbvirginia.com</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">M. Shane Bell </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Executive Vice President and CFO </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(540) 465-9121 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><U>sbell@fbvirginia.com</U> </P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
