<SEC-DOCUMENT>0001193125-25-257673.txt : 20251030
<SEC-HEADER>0001193125-25-257673.hdr.sgml : 20251030
<ACCEPTANCE-DATETIME>20251030093220
ACCESSION NUMBER:		0001193125-25-257673
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		19
CONFORMED PERIOD OF REPORT:	20251029
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20251030
DATE AS OF CHANGE:		20251030

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			IF Bancorp, Inc.
		CENTRAL INDEX KEY:			0001514743
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		ORGANIZATION NAME:           	02 Finance
		EIN:				451834449
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-35226
		FILM NUMBER:		251432541

	BUSINESS ADDRESS:	
		STREET 1:		201 E. CHERRY ST
		CITY:			WATSEKA
		STATE:			IL
		ZIP:			60970
		BUSINESS PHONE:		(815) 432-2476

	MAIL ADDRESS:	
		STREET 1:		201 E. CHERRY ST
		CITY:			WATSEKA
		STATE:			IL
		ZIP:			60970
</SEC-HEADER>
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<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;white-space:nowrap;text-align:center"> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Title of each class</p></td>
<td style="vertical-align:bottom">&#160;</td>
<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Trading</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Symbol(s)</p></td>
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<td style="border-bottom:1.00pt solid #000000;vertical-align:bottom;text-align:center"> <p style="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">Name of each exchange</p> <p style="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman;font-weight:bold;text-align:center">on which registered</p></td></tr>
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<td style="vertical-align:bottom">&#160;</td>
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<div style="text-align:center"><div style="width:8.5in;text-align:left;margin-left: auto;margin-right: auto">

<table style="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt;border-spacing:0;width:100%" cellpadding="0" cellspacing="0">
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<td style="width:10%;vertical-align:top;text-align:left"><span style="font-weight:bold">Item&#8201;1.01</span></td>
<td style="vertical-align:top;text-align:left"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left"><span style="text-decoration:underline">Entry Into a Material Definitive Agreement</span>. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On October&#160;29, 2025, ServBanc Holdco, Inc. (&#8220;<span style="text-decoration:underline">Parent</span>&#8221;), an Arizona corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;<span style="text-decoration:underline">BHC Act</span>&#8221;), and IF Bancorp, Inc. 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 <p style="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Merger Agreement provides certain termination rights for both Parent and the Company, and further provides that upon termination of the Merger Agreement under certain circumstances, the Company will be obligated to pay Parent either (i)&#160;a termination fee of $2,694,000, plus up to $898,000 of costs incurred by Parent in connection with the Merger, or (ii)&#160;the expenses incurred by Parent in connection with the Merger, up to $400,000. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the Merger Agreement, one current director of the Company will be appointed to the board of directors of Servbank effective as of the closing of the Bank Merger. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the execution of the Merger Agreement, the directors and executive officers of the Company (1)&#160;entered into voting agreements pursuant to which such individuals, in their capacities as shareholders, have agreed, among other things, to vote their respective shares of the Company&#8217;s common stock in favor of the approval of the Merger Agreement and the transactions contemplated thereby and (2)&#160;entered into release agreements with the Company and the Bank pursuant to which such individuals will release the Company and the Bank (and Parent and Servbank as the successors in interest to the Company and the Bank from and after the effective time of the Merger) from certain types of claims against the Company or the Bank. Additionally, the Company&#8217;s directors who are not party to an employment, retention or other similar agreement entered into a support agreement pursuant to which such individuals have agreed to support the Merger and to not solicit employees or customers of the Company for 18 months. The forms of voting agreement, support agreement and release are filed as Exhibits&#160;10.1, 10.2 and 10.3, respectively, and are incorporated herein by reference. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing summary of the Merger Agreement does not purport to be complete and is qualified in its entirety by reference to the complete text of such document, which is attached hereto as Exhibit 2.1 and is incorporated herein by reference. The representations, warranties and covenants of each party set forth in the Merger Agreement have been made only for purposes of, and were and are solely for the benefit of the parties to, the Merger Agreement, may be subject to limitations agreed upon by the contracting parties, including being qualified by confidential disclosures made for the purposes of allocating contractual risk between the parties to the Merger Agreement instead of establishing these matters as facts, and may be subject to standards of materiality applicable to the contracting parties that differ from those applicable to investors. Accordingly, the representations and warranties may not describe the actual state of affairs at the date they were made or at any other time, and investors should not rely on them as statements of fact. In addition, such representations and warranties (1)&#160;will not survive consummation of the Merger, unless otherwise specified therein, and (2)&#160;were made only as of the date on which the Merger Agreement was signed or such other date as is specified in the Merger Agreement. Moreover, information concerning the subject matter of the representations and warranties may change after the date the Merger Agreement was signed, which subsequent information may or may not be fully reflected in any public disclosure. Accordingly, the Merger Agreement is included with this filing only to provide investors with information regarding the terms of the Merger Agreement, and not to provide investors with other factual information regarding the Company or Parent, their respective affiliates or their respective businesses. </p>
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<td style="width:10%;vertical-align:top;text-align:left"><span style="font-weight:bold">Item&#8201;8.01</span></td>
<td style="vertical-align:top;text-align:left"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:left"><span style="text-decoration:underline">Other Events</span>. </p></td></tr></table> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the execution of the Merger Agreement discussed in Item 1.01 above, the Company and Parent issued a joint press release on October&#160;30, 2025. In the joint press release, the Company also announced the indefinite postponement of its 2025 annual shareholder meeting. IF Bancorp does not anticipate convening its 2025 annual shareholder meeting if the Merger is completed as currently contemplated. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A copy of the press release is attached hereto as Exhibit 99.1 and incorporated by reference herein. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Forward-Looking Statements </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Current Report on Form <span style="white-space:nowrap">8-K</span> contains &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995 that are subject to risks and uncertainties and are made pursuant to the safe harbor provisions of Section&#160;27A of the Securities Act.&#160;Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often, but not always, include words like &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;estimate,&#8221; and &#8220;intend&#8221; or future or conditional verbs such as &#8220;will,&#8221; &#8220;would,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; or &#8220;may.&#8221;&#160;Certain factors that could cause actual results to differ materially from expected results include the other factors detailed from time to time in the Company&#8217;s reports filed with the Securities and Exchange Commission, including those described in its Forms <span style="white-space:nowrap">10-K</span> and the following:&#160;delays in completing or the inability to complete the Merger, including delays in obtaining or the inability to obtain regulatory or shareholder approval, difficulties in achieving cost savings from the Merger or in achieving such cost savings within the expected time frame, difficulties in integrating Servbank and the Bank, the reaction of the companies&#8217; customers, employees and counterparties to the transaction, increased competitive pressures, changes in the interest rate environment, changes in general economic conditions, legislative and regulatory changes that adversely affect the business in which Parent and the Company are engaged, the effects of any shutdown of the federal government, or changes in the securities markets and other risks and uncertainties.&#160;Undue reliance should not be placed on the forward-looking statements, which speak only as of the date on which they are made. Neither Parent nor the Company undertakes, and each specifically disclaims any obligation, to publicly release the result of any revisions that may be made to update any forward-looking statement to reflect the events or circumstances after the date on which the forward-looking statement is made, or reflect the occurrence of unanticipated events, except to the extent required by law. All forward-looking statements, express or implied, included in this Current Report on Form <span style="white-space:nowrap">8-K</span> are qualified in their entirety by this cautionary statement. </p> <p style="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold">Additional Information </p> <p style="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the proposed merger, the Company will provide its shareholders with a proxy statement and other relevant documents concerning the proposed transaction. Shareholders of the Company are urged to read the proxy statement and other relevant documents and any amendments or supplements to those documents, because they will contain important information which should be considered before making any decision regarding the transaction. In addition to the proxy statement being mailed to shareholders of the Company, shareholders of the Company will also be able to obtain a copy of the proxy statement, and any other relevant documents, without </p>
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charge, when they become available, at the Securities and Exchange Commission website (www.sec.gov), on the Company investor relations website (ifbancorp.q4ir.com), or by directing a request to: </p> <p style="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ashtyn Barrett </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Corporate Secretary </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IF Bancorp, Inc. </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">201 East Cherry Street </p> <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Watseka, IL 60970 </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The information available through the Company&#8217;s investor relations website is not and shall not be deemed part of this filing or incorporated by reference into other filings that the Company makes with the Securities and Exchange Commission. </p> <p style="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Company and certain of its directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders of the Company in connection with the proposed transaction.&#160;Information about the directors and executive officers of the Company is set forth in the Company&#8217;s Annual Report on <a href="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1514743/000119312525201039/d91512d10k.htm">Form <span style="white-space:nowrap">10-K</span></a> filed with the Securities and Exchange Commission on September&#160;11, 2025, and in the amendment to its Annual Report on <a href="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/1514743/000119312525253831/d28562d10ka.htm">Form <span style="white-space:nowrap">10-K</span></a> filed with the Securities and Exchange Commission on October&#160;28, 2025.&#160;Additional information regarding the interests of these participants and any other persons who may be deemed participants in the transaction may be obtained by reading the proxy statement regarding the proposed merger when it becomes available.&#160;Free copies of this document may be obtained as described in the preceding paragraph. </p> <p style="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&#160;</p>
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<td style="width:10%;vertical-align:top;text-align:left"><span style="font-weight:bold">Item&#8201;9.01.</span></td>
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<td style="vertical-align:top;white-space:nowrap">104</td>
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<td style="vertical-align:top;text-align:left"> <p style=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;text-align:left">The Company has omitted schedules and similar attachments to the subject agreement pursuant to Item 601(b) of Regulation <span style="white-space:nowrap">S-K.</span> the Company will furnish a copy of any omitted schedule or similar attachment to the Securities and Exchange Commission upon request. </p></td></tr></table>
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 <p style="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman;font-weight:bold;text-align:center"><span style="text-decoration:underline">SIGNATURES </span></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, 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">&#160;</p>
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<td style="vertical-align:bottom">DATE: October&#160;30, 2025</td>
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<td style="vertical-align:bottom"> <p style="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Walter H. Hasselbring, III</p></td></tr>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 2.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B></B><B><I>Execution Version</I></B><B> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT AND PLAN OF MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>BY AND BETWEEN </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SERVBANC HOLDCO, INC. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AND </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>IF BANCORP, INC.
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dated as of October&nbsp;29, 2025 </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </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">


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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE I THE MERGER</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Merger of Merger Sub with and into the Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Effects of the Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Articles of Incorporation and Bylaws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Directors and Officers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Effect on Capital Stock</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Calculation of Merger Consideration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Adjustment to Merger Consideration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Payment Procedures</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Treatment of Restricted Stock</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Second Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Bank Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Modification of Structure</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE II THE CLOSING AND THE CLOSING DATE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Time and Place of the Closing and Closing Date</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Actions to be Taken at the Closing by the Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Actions to be Taken at the Closing by Parent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE III REPRESENTATIONS AND WARRANTIES OF THE COMPANY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Organization and Qualification</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authority; Execution and Delivery</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Compliance with Laws, Permits and Instruments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Financial Statements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Undisclosed Liabilities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Litigation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Consents and Approvals; No Defaults</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Title to Assets</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Absence of Certain Changes or Events</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Leases, Contracts and Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Taxes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Wealth Management and Related Activities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Proprietary Rights</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Transactions with Certain Persons and Entities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Evidences of Indebtedness</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-i- </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Page</B></TD>
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<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Condition of Assets</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Environmental Compliance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.20</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Regulatory Compliance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.21</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Absence of Certain Business Practices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.22</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Books and Records</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.23</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Forms of Instruments, Etc.</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.24</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Fiduciary Responsibilities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.25</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Guaranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.26</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Deposits</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.27</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Employee Relationships</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.28</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Employee Benefit Plans</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.29</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Obligations to Employees</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.30</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Investments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.31</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Interest Rate Risk Management Instruments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.32</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>SEC Documents; Other Reports; Internal Controls</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.33</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Information Technology; Security&nbsp;&amp; Privacy</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.34</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Community Reinvestment Act</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.35</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Usury Laws and Other Consumer Compliance Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.36</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Fair Housing Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act and other Banking Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.37</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A. Patriot Act</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.38</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Unfair, Deceptive or Abusive Acts or Practices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.39</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Agreements Between the Company and its Subsidiaries; Claims</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.40</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Mortgage Loan Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.41</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations Not Misleading</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.42</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>State Takeover Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.43</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Company Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.44</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Opinion of Financial Advisor</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.45</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Brokerage Fees and Commissions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.46</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Cannabis-Related Businesses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.47</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Other Representations or Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IV REPRESENTATIONS AND WARRANTIES OF PARENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Organization and Qualification</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Authority; Execution and Delivery</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Compliance with Laws, Permits and Instruments</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Litigation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-ii- </P>

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<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&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">


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<TD WIDTH="14%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

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

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Consents and Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Regulatory Compliance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Community Reinvestment Act</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Fair Housing Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act and other Banking Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations Not Misleading</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>State Takeover Laws</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Parent Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Reserved</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Vote/Approval Required</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Brokerage Fees and Commissions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Financing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Benefits</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Financial Statements and Internal Controls</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Other Representations or Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE V COVENANTS OF THE COMPANY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Commercially Reasonable Efforts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Company Shareholders&#8217; Meeting; Proxy Statement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Information Furnished by the Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Required Acts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Prohibited Acts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Access; <FONT STYLE="white-space:nowrap">Pre-Closing</FONT> Investigation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Additional Financial Statements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Untrue Representations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Litigation and Claims</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Material Adverse Changes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Consents and Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Employment Agreements; Retention Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Tax Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Disclosure Schedules</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Operational Updates</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Solicitation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Second Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Bank Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">-iii- </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(continued) </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Indemnification; Tail Coverage</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.20</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Deregistration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.21</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Allowance for Credit Losses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.22</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Termination of ESOP</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.23</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Termination of Specified Employee Plans</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.24</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Section&nbsp;280G Covenant</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.25</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Termination of Certain Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.26</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Transition; Informational Systems Conversion</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.27</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Access to Customers and Suppliers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.28</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Shareholder Litigation and Claims</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.29</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Coordination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VI COVENANTS OF PARENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD HEIGHT="8" COLSPAN="2"></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Commercially Reasonable Efforts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Regulatory Filings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Information Furnished by Parent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Untrue Representations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Litigation and Claims</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Material Adverse Changes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Disclosure Schedules</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Employee Benefit Plans and Employee Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Control of the Company&#8217;s Business</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Appointment to Board of Directors of Servbank</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Retention Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Incorporation and Organization of Merger Sub</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VII CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE COMPANY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations and Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Performance of Obligations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Shareholder Approval</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Government and Other Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Litigation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Delivery of Closing Documents</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Material Adverse Change</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Delivery of Total Cash Consideration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
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<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VIII CONDITIONS PRECEDENT TO THE OBLIGATIONS OF PARENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Representations and Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Performance of Obligations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Shareholder Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Government and Other Approvals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Litigation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Material Adverse Change</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Tail Coverage</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Delivery of Closing Documents</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Employment Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Ancillary Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Director Resignations</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Termination of ESOP</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Termination of Specified Employee Plans</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Appraisal Rights</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IX TERMINATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Right of Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Notice of Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Effect of Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE X GENERAL PROVISIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.01</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Nonsurvival of Representations, Warranties, Covenants and Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.02</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Expenses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.03</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Entire Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.04</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Binding Effect; Assignment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.05</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Further Cooperation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.06</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Severability</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.07</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Notices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.08</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>GOVERNING LAW</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.09</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>WAIVER OF JURY TRIAL</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Multiple Counterparts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Definitions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Specific Performance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Attorneys&#8217; Fees and Costs</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Rules of Construction</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Articles, Sections, Exhibits and Schedules</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Public Disclosure</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Extension; Waiver</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>Amendment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP>No Third Party Beneficiaries</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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>EXHIBITS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="top"><U>Exhibit &#8220;A&#8221;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Second Merger Agreement</TD></TR>
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<TD VALIGN="top"><U>Exhibit &#8220;B&#8221;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Bank Merger Agreement</TD></TR>
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<TD VALIGN="top"><U>Exhibit &#8220;C&#8221;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Voting Agreement</TD></TR>
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<TD VALIGN="top"><U>Exhibit &#8220;D&#8221;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Director Support Agreement</TD></TR>
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<TD VALIGN="top"><U>Exhibit &#8220;E&#8221;</U></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Release for Directors/Officers</TD></TR>
</TABLE> <P STYLE="font-size:18pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>AGREEMENT AND PLAN OF MERGER </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This <B>AGREEMENT AND PLAN OF MERGER</B> (this &#8220;<U>Agreement</U>&#8221;) is effective as of October&nbsp;29,&nbsp;2025, by and between
ServBanc Holdco, Inc. (&#8220;<U>Parent</U>&#8221;), an Arizona corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;<U>BHC Act</U>&#8221;) and IF Bancorp, Inc. (the
&#8220;<U>Company</U>&#8221;), a Maryland corporation and registered savings and loan holding company under the Home Owners&#8217; Loan Act of 1933, as amended (the &#8220;<U>HOLA</U>&#8221;). </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, Parent owns all of the outstanding common stock of Servbank, National Association, a national banking association with its
principal office in Oswego, Illinois (&#8220;<U>Servbank</U>&#8221;), and the Company owns all of the outstanding common stock of Iroquois Federal Savings and Loan Association, a federal savings and loan association with its principal office in
Watseka, Illinois (the &#8220;<U>Bank</U>&#8221;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, Parent desires to acquire all of the outstanding shares of capital
stock of the Company in exchange for the Merger Consideration (as defined below) through the merger of a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">to-be-formed</FONT></FONT> Maryland corporation and wholly-owned subsidiary of
Parent (&#8220;<U>Merger Sub</U>&#8221;), which shall be made party to this Agreement prior to the Effective Time (as defined below), with and into the Company, with the Company surviving (the &#8220;<U>Merger</U>&#8221;), pursuant to this
Agreement; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, immediately following the Merger, and pursuant to a separate agreement and plan of merger, by and between the
Company and Parent, substantially in the form attached hereto as <U>Exhibit &#8220;A&#8221;</U> (the &#8220;<U>Second Merger Agreement</U>&#8221;), the Company shall be merged with and into Parent, with Parent surviving the merger (the
&#8220;<U>Second Merger</U>&#8221;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, immediately following the Second Merger, at the election of Parent, and pursuant to
a separate agreement and plan of merger, by and between Servbank and the Bank, substantially in the form attached hereto as<U> Exhibit</U><U></U><U>&nbsp;&#8220;B&#8221;</U>, the Bank shall be merged with and into Servbank, with Servbank surviving
the merger (the &#8220;<U>Bank Merger</U>&#8221;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, concurrently with the execution and delivery of this Agreement, as a
condition and inducement for Parent to enter into this Agreement, (i)&nbsp;each member of the Company Board (as defined below) and board of directors of the Bank, each executive officer of the Company and the Bank who is also a shareholder of the
Company have entered into a Voting Agreement in the form attached hereto as <U>Exhibit</U><U></U><U>&nbsp;&#8220;C&#8221;</U> (the &#8220;<U>Voting Agreement</U>&#8221;), whereby such shareholders of the Company have agreed to vote the shares of
Company Stock (as defined below) beneficially owned by such person in favor of this Agreement, the Merger and the transactions contemplated hereby and thereby, (ii)&nbsp;each of the directors of the Company and the Bank who is not party to an
employment, retention or other similar agreement has entered into a Director Support Agreement in the form attached hereto as <U>Exhibit</U><U></U><U>&nbsp;&#8220;D&#8221;</U> (the &#8220;<U>Director Support Agreement</U>&#8221;), and
(iii)&nbsp;each of the directors and executive officers of the Company and the Bank set forth on <I><U>Confidential Schedule 8.10(b)</U></I> has executed an instrument releasing the Company and its Subsidiaries (as defined below) from any and all
claims of such persons (except to certain matters described therein) in the form attached hereto as <U>Exhibit &#8220;E&#8221;</U> (each, a &#8220;<U>Release</U>&#8221;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, the respective boards of directors of Parent (&#8220;<U>Parent Board</U>&#8221;) and the Company (&#8220;<U>Company
Board</U>&#8221;) have unanimously approved this Agreement and the transactions proposed herein on the terms and conditions set forth in this Agreement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>AGREEMENT </U></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>NOW, THEREFORE</B>, for and in consideration of the foregoing and of the mutual representations, warranties, covenants and agreements
contained in this Agreement, and other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, and subject to the conditions set forth below, the parties, intending to be legally bound, undertake, promise,
covenant and agree with each other as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.01 <U>Merger of Merger Sub with and into the Company</U>. Subject to the terms and conditions of this Agreement, at the
Effective Time (as defined in <U>Section</U><U></U><U>&nbsp;2.01</U>), Parent shall cause Merger Sub to merge with and into the Company in accordance with the provisions of <FONT STYLE="white-space:nowrap">Section&nbsp;3-105</FONT> of the Maryland
General Corporation Law (the &#8220;<U>MGCL</U>&#8221;). The Company shall be the surviving corporation in the Merger (the &#8220;<U>Surviving Corporation</U>&#8221;) and shall continue its corporate existence under the MGCL. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.02 <U>Effects of the Merger</U>. The Merger shall have the effects set forth in the MGCL. The name of the Surviving Corporation
shall be &#8220;IF Bancorp, Inc.&#8221; All rights, franchises and interests of the Company and Merger Sub, respectively, in and to any type of property and choses in action shall be transferred to and vested in the Surviving Corporation by virtue
of such Merger without reversion or impairment, without further act or deed and without any assignment having occurred, but subject to any existing liens or other encumbrances thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.03 <U>Articles of Incorporation and Bylaws</U>. At the Effective Time, the articles of incorporation (the &#8220;<U>Articles of
Incorporation</U>&#8221;) and bylaws (&#8220;<U>Bylaws</U>&#8221;) of the Company, as in effect immediately before the Effective Time, shall be the articles of incorporation and bylaws of the Surviving Corporation until thereafter changed or amended
as provided by Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.04 <U>Directors and Officers</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The directors of Merger Sub at the Effective Time shall become the directors of the Surviving Corporation and shall serve
from the Effective Time until their respective successors are duly elected or appointed and qualified in the manner provided in the articles of incorporation and bylaws of the Surviving Corporation or as otherwise provided by law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The officers of Merger Sub at the Effective Time shall become the officers of the Surviving Corporation and shall hold
office from the Effective Time until their respective successors are duly elected or appointed and qualified in the manner provided in the Bylaws of the Surviving Corporation or as otherwise provided by law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.05 <U>Effect on Capital Stock</U>. At the Effective Time, by virtue of the Merger and without any further action by Parent, the
Company, Merger Sub or any holder of record of the following securities: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each share of common stock, no par value per
share, of Parent (&#8220;<U>Parent</U><U></U><U>&nbsp;Stock</U>&#8221;) that is issued and outstanding immediately prior to the Effective Time shall remain outstanding following the Effective Time and shall be unchanged by the Merger. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each share of common stock of Merger Sub, par value $0.01 per share,
outstanding prior to the Effective Time shall remain outstanding as a share of common stock of the Surviving Corporation. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Each share of common stock, par value $0.01 per share, of the Company
(&#8220;<U>Company</U><U></U><U>&nbsp;Stock</U>&#8221;) that is issued and outstanding immediately prior to the Effective Time, except for the Cancelled Shares, shall cease to be outstanding and shall automatically be cancelled and converted into
and become the right to receive the Per Share Merger Consideration (as defined in <U>Section</U><U></U><U>&nbsp;1.06(a)(v)</U>) in cash, without interest (in the aggregate for all holders of Company Stock entitled to receive the Per Share Merger
Consideration under the terms of this Agreement, the &#8220;<U>Merger Consideration</U>&#8221;). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Each share of Company
Stock converted into the right to receive the Per Share Merger Consideration pursuant to this <U>Section</U><U></U><U>&nbsp;1.05</U> shall no longer be outstanding and shall automatically be cancelled and cease to exist, and each holder of a
certificate that immediately prior to the Effective Time represented any such shares of Company Stock and the holders of shares of Company Stock designated by a book-entry representing a <FONT STYLE="white-space:nowrap">non-certificate</FONT> share
of Company Stock (a &#8220;<U>Book-Entry Share</U>&#8221;) shall cease to have any rights with respect to such shares of Company Stock, except the right to receive following the Effective Time, the Per Share Merger Consideration for such shares in
accordance with this <U>Section</U><U></U><U>&nbsp;1.05</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Any shares of Company Stock that are owned immediately
prior to the Effective Time by the Company, Parent or their respective Subsidiaries (other than (i)&nbsp;shares of Company Stock held, directly or indirectly, in trust accounts, managed accounts and the like or otherwise held in a fiduciary capacity
that are beneficially owned by third parties and (ii)&nbsp;shares of Company Stock held in respect of a debt previously contracted) shall be canceled and extinguished without any conversion thereof or consideration therefor (the &#8220;<U>Cancelled
Shares</U>&#8221;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.06 <U>Calculation of Merger Consideration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) For purposes of this Agreement, the following terms shall have the meanings set forth below: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) &#8220;<U>Tangible Common Equity</U>&#8221; means the amount equal to the Company&#8217;s tangible common equity on a
consolidated basis calculated in accordance with generally accepted accounting principles of the United States (&#8220;<U>GAAP</U>&#8221;) as of the last day of the month ended prior to Closing, which shall, for the avoidance of doubt, include
(A)&nbsp;the Company&#8217;s good faith estimate of all income and expenses through the Closing and (B)&nbsp;unrealized losses in the consolidated securities portfolio, minus (1)&nbsp;Transaction Costs, on an
<FONT STYLE="white-space:nowrap">after-tax</FONT> basis, that have not been paid or accrued prior to the Calculation Date, and plus (2)&nbsp;the costs or expenses related to claims, demands or actions regarding the Merger, including but not limited
to attorney fees, <FONT STYLE="white-space:nowrap">pre-litigation</FONT> or litigation expenses or any related insurance deductible, in each case calculated in accordance with GAAP. The calculation of the Tangible Common Equity shall be prepared and
presented in the same manner as those calculations set forth in <I><U>Confidential Schedule 1.06(a)(i)</U></I>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)
&#8220;<U>Transaction Costs</U>&#8221; means (A)&nbsp;the cost of terminating any employment-related agreements and obligations (including any <FONT STYLE="white-space:nowrap">non-competition</FONT> agreements, option agreements or equity based
plans) or any employee benefit plan, including any employee retirement benefit plan or welfare benefit plan (for the avoidance of doubt, any costs of the Company related to severance received by employees of the Company who are not subject
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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to an employment or change in control agreement pursuant to the Company&#8217;s severance plan shall not be considered Transaction Costs for purposes of the Tangible Common Equity calculation);
(B) accruals for expenses not paid, prorated for a partial year for the year in which the Merger closes, (C)&nbsp;any transaction costs, fees, expenses and commissions (including, without limitation, all legal, accounting, and financial advisory
fees and expenses, including any cost to obtain any opinion as to the financial fairness of the Merger) incurred by the Company in connection with the Agreement and the transactions contemplated hereby; (D)&nbsp;the accrual through the Closing Date
in accordance with GAAP of any future benefit payments due under any salary continuation, deferred compensation, severance or change in control payments or other similar agreements of the Company or the Bank (all of which are set forth on
<I><U>Confidential Schedule 1.06(a)(ii)(D)</U></I><I> </I>including the name of the recipient and the amount of such payment); (E) any accruals through the Closing Date for contributions made to the ESOP in satisfaction of any ESOP loan (for the
avoidance of doubt, not to include those accruals and contributions made to the ESOP in the ordinary course and consistent with prior business practice); (F) the costs of any retention or <FONT STYLE="white-space:nowrap">stay-pay</FONT> bonus
arrangements (other than the retention payments contemplated by <U>Section</U><U></U><U>&nbsp;5.12(b)</U> that will be paid by Parent after Closing and any retention or <FONT STYLE="white-space:nowrap">stay-pay</FONT> bonus that Parent requests the
Company or the Bank enter into at or prior to Closing); (G) premiums or additional costs in connection with procuring the Tail Coverage described in <U>Section</U><U></U><U>&nbsp;5.19</U>; (H) all Taxes of the Company or its Subsidiaries due with
respect to any taxable periods (or portions thereof) ending on or before the Effective Time; (I)&nbsp;the accrual or payment of all of the costs, fees, expenses and penalties necessary to be paid by the Company in connection with any contract
termination required pursuant to this Agreement; (J)&nbsp;the (i) costs, fees, contract payments, penalties and liquidated damages paid or accrued in connection with the termination of its data processing contracts and core processing contracts,
including all reasonable estimated deconversion fees, and (ii)&nbsp;costs, fees, contract payments, penalties and liquidated damages paid or accrued in connection with the termination of the Company or its Subsidiaries&#8217; online banking
contracts, technology or software services contracts, and other third-party contracts identified on <I><U>Confidential Schedule </U></I><I><U>1.06(a)(ii)</U></I><I><U>(J)</U></I>, assuming all such contracts shall terminate on June&nbsp;30, 2026,
such date being the date expected for the core systems conversion of the Bank (the &#8220;<U>Conversion </U><U>Date</U>&#8221;), (K) all costs, fees and expenses related to negotiation, litigation or otherwise related to shareholder actions or
proposals, including proxy solicitations and proposals, and (L)&nbsp;all other expenses incurred by the Company or its Subsidiaries related to the Merger, this Agreement and the actions and transactions contemplated hereby and such other amounts as
may be agreed upon by the parties. For the avoidance of doubt, if the calculation of the Company&#8217;s Tangible Common Equity reflects any of the items listed herein, such items shall not be deducted from the Company&#8217;s Tangible Common Equity
a second time. For purposes of the calculation of Tangible Common Equity, the amount of the Tangible Common Equity shall reflect the <FONT STYLE="white-space:nowrap">after-tax</FONT> amount of the foregoing adjustments calculated in accordance with
GAAP, regardless of whether or not such foregoing adjustments are required by GAAP. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) &#8220;<U>Calculation
Date</U>&#8221; means the close of business on the fifth (5<SUP STYLE="font-size:75%; vertical-align:top">th</SUP>) Business Day immediately preceding the Closing Date, or such other date as mutually agreeable to the parties hereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) &#8220;<U>Minimum Equity</U>&#8221; means $77,800,000. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) &#8220;<U>Per Share Merger Consideration</U>&#8221; means cash in an amount equal to the quotient of (A)&nbsp;Total Cash
Consideration, divided by (B)&nbsp;the number of shares of Company Stock outstanding immediately prior to the Effective Time, rounded down to the nearest cent. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) &#8220;<U>Total Cash Consideration</U>&#8221; means $89,800,000, as
adjusted pursuant to this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) On the Calculation Date, the Company shall provide Parent with a preliminary
calculation of the Tangible Common Equity for Parent&#8217;s review and approval. If Parent disagrees with such calculation of the Tangible Common Equity, the Company and Parent shall meet to resolve any such disagreement. If the Company and Parent
cannot resolve any such disagreement, then Forvis Mazars, LLP, an independent registered public accounting firm (the &#8220;<U>Accounting Firm</U>&#8221;) shall resolve any such disagreement prior to the Closing Date which resolution shall be final
and binding upon the Company and Parent and the cost of such resolution by the Accounting Firm shall be split equally between Parent and the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.07 <U>Adjustment to Merger Consideration</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If on the Calculation Date, the Company&#8217;s Tangible Common Equity is less than the Minimum Equity, then the Total Cash
Consideration to be paid by Parent shall be reduced, on a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">dollar-for-dollar</FONT></FONT> basis, by an amount equal to the difference between the Minimum Equity and the
Company&#8217;s Tangible Common Equity. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If on the Calculation Date, the Company&#8217;s Tangible Common Equity exceeds
the Minimum Equity, after the Calculation Date and prior to the Effective Time, the Company shall declare and pay to each holder of record of shares of Company Stock as of the record date determined by the board of directors of the Company a cash
dividend for each outstanding share of Company Stock equal to the quotient of (a)&nbsp;the amount that the Tangible Common Equity exceeds the Minimum Equity at Closing, <U>divided by</U> (b)&nbsp;the total number of shares of Company Stock
outstanding as of the record date of such dividend, rounded down to the nearest cent (the &#8220;<U>Special Dividend</U>&#8221;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.08 <U>Payment Procedures</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Prior to the Effective Time, Parent shall appoint, at Parent&#8217;s expense, Computershare Trust Company, N.A. to act as
the payment agent hereunder (the &#8220;<U>Exchange Agent</U>&#8221;). On or prior to the Closing Date, the Parent shall deposit with or make available to the Exchange Agent for exchange in accordance with the terms of this
<U>Section</U><U></U><U>&nbsp;1.08</U> immediately available funds equal to the Total Cash Consideration (the &#8220;<U>Exchange Fund</U>&#8221;). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) After the Calculation Date and prior to the Effective Time, the Company shall pay, and the Exchange Agent shall distribute
to, the holders of Company Stock entitled to receive the Special Dividend pursuant to <U>Section</U><U></U><U>&nbsp;1.07(b)</U>, if any, the amount of the Special Dividend calculated in accordance with <U>Section</U><U></U><U>&nbsp;1.07(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) As promptly as practicable, but in any event no later than five (5)&nbsp;Business Days following the Effective Time, and
provided that Company has delivered, or caused to be delivered, to the Exchange Agent all information that is reasonably necessary for the Exchange Agent to perform its obligations, the Exchange Agent shall mail to each holder of shares of Company
Stock entitled to receive the Per Share Merger Consideration pursuant to <U>Section</U><U></U><U>&nbsp;1.05</U> (collectively, the &#8220;<U>Holders</U>&#8221;) (i) a letter of transmittal (which shall specify that delivery shall be effected, and
risk of loss and title to Certificate(s) or Book-Entry Share(s) shall pass, only upon delivery of Certificate(s) </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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or instructions relating to the Book-Entry Share(s) (or affidavits of loss in lieu of any Certificate(s)) to the Exchange Agent and shall be substantially in such form as shall be prescribed by
the Exchange Agent) (the &#8220;<U>Letter of Transmittal</U>&#8221;) and (ii)&nbsp;instructions for use in surrendering Certificate(s) in exchange for the Per Share Merger Consideration upon surrender of any Certificate. Parent shall cause the
Exchange Agent to provide Company a reasonable opportunity to review and comment upon the Letter of Transmittal and other transfer documents, or any amendments or supplements thereto, prior to disseminating the Letter of Transmittal and other
transfer documents to the Holders, and Parent shall consider in good faith and shall cause the Exchange Agent to consider in good faith any comments proposed by Company. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Upon proper surrender by the Holder to the Exchange Agent of its Certificate(s) or instructions relating to the Book-Entry
Share(s), accompanied by a properly completed Letter of Transmittal, the Exchange Agent shall pay and distribute to such Holder the Per Share Merger Consideration in respect of the shares of Company Stock represented by its Certificate(s) or
Book-Entry Share(s), as applicable, the amount of which shall be deducted from the Exchange Fund. Until so surrendered, each such Certificate or Book-Entry Share(s) shall represent after the Effective Time, for all purposes, only the right to
receive, without interest, the Per Share Merger Consideration, and any dividends or distributions to which such Holder is entitled, pursuant to this <U>Article I</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) In the event of a transfer of ownership of a Certificate or Book-Entry Shares representing Company Stock that is not
registered in the stock transfer records of Company, the Per Share Merger Consideration shall be delivered pursuant to <U>Section</U><U></U><U>&nbsp;1.08(c)</U> in exchange therefor to a Person other than the Person in whose name the Company Stock
so surrendered is registered if the Certificate or Book-Entry Shares formerly representing such Company Stock shall be properly endorsed, if a Certificate, or otherwise be in proper form for transfer and the Person requesting such payment or
issuance shall pay any transfer or other similar Taxes required by reason of the payment or issuance to a person other than the registered Holder or establish to the satisfaction of Parent that the Tax has been paid or is not applicable. The
Exchange Agent (or, subsequent to the first anniversary of the Effective Time, Parent) shall be entitled to deduct and withhold from the Per Share Merger Consideration and any other cash amounts otherwise payable pursuant to this Agreement to any
Holder of Company Stock such amounts as the Exchange Agent or Parent, as the case may be, is required to deduct and withhold under the Internal Revenue Code of 1986, as amended (the &#8220;<U>Code</U>&#8221;), or any provision of state, local or
foreign Tax Law, with respect to the making of such payment; provided that any transfer or other similar Taxes payable in connection with the Merger (other than such Taxes required to be paid by reason of the payment of the Per Share Merger
Consideration to a Person other than the registered Holder of Company Stock with respect to which such payment is made) shall be borne and paid out of the Exchange Fund by the Exchange Agent or the Parent, as the case may be. To the extent the
amounts are so withheld by the Exchange Agent or Parent, as the case may be, and paid over to the applicable Tax authorities, such withheld amounts shall be treated for all purposes of this Agreement as having been paid to the Holder of shares of
Company Stock in respect of whom such deduction and withholding was made by the Exchange Agent or Parent, as the case may be. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) After the Effective Time, there shall be no transfers on the stock transfer books of Company of any shares of Company Stock
that were issued and outstanding immediately prior to the Effective Time other than to settle transfers of Company Stock that occurred prior to the Effective Time. If, after the Effective Time, any Company Stock is presented for transfer to the
Exchange Agent, it shall be cancelled and exchanged for the Per Share Merger Consideration in accordance with <U>Section</U><U></U><U>&nbsp;1.06</U> and the procedures set forth in this <U>Article I</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Any portion of the Exchange Fund that remains unclaimed by the Holders
as of the first anniversary of the Effective Time shall be provided to Parent; provided, that to the extent at any time prior to such first anniversary any portion of the Exchange Fund that remains unclaimed would have to be delivered to a public
official pursuant to applicable abandoned property, escheat or similar Laws, the Exchange Agent shall first notify Parent and, at Parent&#8217;s option, such portion shall instead be provided to Parent. Any former shareholders of Company who have
not theretofore complied with this <U>Article I</U> shall thereafter look only to Parent with respect to the Per Share Merger Consideration, without any interest thereon. None of Parent, Company, the Exchange Agent or any other person shall be
liable to any former holder of shares of Company Stock for any amount delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar Laws. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) In the event that any Certificate shall have been lost, stolen, mutilated or destroyed, upon the making of an affidavit of
that fact by the person claiming such Certificate to be lost, stolen, mutilated or destroyed and, if reasonably required by Parent or the Exchange Agent, the posting by such person of a bond in such amount as Parent may determine is reasonably
necessary as indemnity against any claim that may be made against it with respect to such Certificate, the Exchange Agent shall issue in exchange for such lost, stolen, mutilated or destroyed Certificate the Per Share Merger Consideration
deliverable in respect thereof pursuant to this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Subject to the terms of the agreement between Parent and
the Exchange Agent (the &#8220;<U>Exchange Agent Agreement</U>&#8221;), the Exchange Agent, in the exercise of its reasonable discretion, shall have the right to make all determinations, not inconsistent with the terms of this Agreement, governing
the validity of any Letter of Transmittal and compliance by any Holder with the procedures and instructions set forth herein and therein; provided, however, the Exchange Agent shall be consulted prior to such determinations, and the Exchange Agent
shall consider the input from the Parent, both parties acting reasonably. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.09 <U>Treatment of Restricted Stock</U>.
Notwithstanding anything in the IF Bancorp, Inc. 2022 Equity Incentive Plan, IF Bancorp, Inc. 2012 Equity Incentive Plan or restricted stock agreement with the Company (collectively, the &#8220;<U>Equity Plans</U>&#8221;) to the contrary,
immediately prior to the Calculation Date, each award in respect of a share of Company Stock subject to vesting, repurchase or other lapse of restrictions granted under the Equity Plans that is outstanding and unvested shall automatically vest in
full and shall be considered outstanding shares of Company Stock entitled to receive the Merger Consideration. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.10
<U>Second Merger</U>. In the Second Merger, Company shall be merged with and into Parent immediately following the Merger, with Parent continuing as the surviving entity and succeeding to and assuming all rights and obligations of Company in
accordance with the applicable Laws of Arizona and Maryland. Following the Second Merger, the separate corporate existence of Company shall cease. Simultaneously with entering into this Agreement and prior to Closing, Parent and Company shall enter
into the Second Merger Agreement in the form of <U>Exhibit </U><U>&#8220;</U><U>A</U><U>&#8221;</U>. At the request of Parent, Company shall execute such articles or articles of merger and such other documents and certificates as are necessary to
make the Second Merger effective immediately following the Effective Time of the Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.11 <U>Bank Merger</U>. In the
Bank Merger and at the election of Parent, the Bank shall be merged with and into Servbank immediately following the Second Merger, with Servbank continuing as the surviving entity and succeeding to and assuming all rights and obligations of the
Bank in accordance with the applicable Laws of the United States of America. Following the Bank Merger, the separate corporate existence of the Bank shall cease. Simultaneously with the execution of this Agreement, Servbank and the Bank shall enter
into the Bank Merger Agreement in the form of <U>Exhibit&nbsp;</U><U>&#8220;</U><U>B</U><U>&#8221;</U>. At the written request of Parent, the Company shall cause the Bank to execute such articles of merger and such other documents and certificates
as are necessary to make the Bank Merger effective immediately following the effective time of the Second Merger. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;1.12 <U>Modification of Structure</U>. Notwithstanding any provision of this
Agreement to the contrary, Parent may elect, subject to the filing of all necessary applications and the receipt of all required regulatory approvals, to modify the structure of the transactions contemplated hereby so long as (i)&nbsp;there are no
adverse federal or state income tax consequences to the shareholders of the Company as a result of such modification, (ii)&nbsp;the Merger Consideration to be paid to the shareholders of the Company is not changed in kind or reduced in amount, and
(iii)&nbsp;such modification shall not be likely to delay or jeopardize receipt of any required regulatory approvals or the Closing. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE CLOSING
AND THE CLOSING DATE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.01 <U>Time and Place of the Closing and Closing Date</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) On a date mutually acceptable to Parent and the Company within thirty (30)&nbsp;days after the receipt of all necessary
regulatory, corporate and other approvals and the expiration of any mandatory waiting periods (the &#8220;<U>Closing Date</U>&#8221;), as may be extended by mutual agreement of the parties for a reasonable period to facilitate a Calculation Date on <FONT
STYLE="white-space:nowrap">month-end,</FONT> or otherwise, in the event the parties so agree, an electronic exchange of documents shall take place in order to determine whether all of the conditions set forth in <U>Article</U><U></U><U>&nbsp;VII</U>
and <U>Article</U><U></U><U>&nbsp;VIII</U> have been satisfied or waived or whether any condition exists that would permit a party to this Agreement to terminate this Agreement. If none of the foregoing conditions then exists or if no party elects
to exercise any right it may have to terminate this Agreement, then the parties shall execute such documents and instruments as may be necessary or appropriate in order to effect the Merger and the other transactions contemplated by this Agreement
(the &#8220;<U>Closing</U>&#8221;). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Merger and other transactions contemplated by this Agreement shall become
effective on the date and at the time specified in the articles of merger, reflecting the Merger, filed with the Department of Assessments and Taxation of the State of Maryland in accordance with the MGCL (the &#8220;<U>Effective Time</U>&#8221;).
The parties shall use commercially reasonable efforts to cause the Effective Time to occur on the same date as the Closing Date, but in no event shall the Effective Time occur more than one (1)&nbsp;day after the Closing Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.02 <U>Actions to be Taken at the Closing by the Company</U>. At the Closing, the Company shall execute and acknowledge, or
cause to be executed and acknowledged, and deliver to Parent such documents and certificates contemplated to be delivered pursuant to this Agreement or reasonably necessary to evidence the transactions contemplated by this Agreement, including the
following (all of such actions constituting conditions precedent to the obligations of Parent to close hereunder): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
True, correct and complete copies of the Company&#8217;s Articles of Incorporation and all amendments thereto, duly certified as of a recent date by the Department of Assessments and Taxation of the State of Maryland; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) True, correct and complete copies of the Bank&#8217;s &#8220;charter and all amendments thereto, duly certified as of a
recent date by the Office of the Comptroller of the Currency (the &#8220;<U>OCC</U>&#8221;); </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) True, correct and complete copies of LCI&#8217;s articles of
incorporation and all amendments thereto, duly certified as of a recent date by the Secretary of State of the State of Illinois; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) A certificate of good standing from the Department of Assessments and Taxation of the State of Maryland, duly certifying as
of a recent date as to the good standing of the Company under the Laws of the State of Maryland; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) A certificate of good
standing from the OCC, duly certifying as of a recent date as to the good standing of the Bank under the Laws of the United States; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) A certificate of good standing from the Secretary of State of the State of Illinois, duly certifying as of a recent date as
to the good standing of LCI under the Laws of the State of Illinois; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) A screen print of the Institution Details page
from the BankFind Suite website of the Federal Deposit Insurance Corporation (the &#8220;<U>FDIC</U>&#8221;) with respect to the Bank, indicating that, as of a recent date, the Bank is &#8220;FDIC Insured&#8221; under the Federal Deposit Insurance
Act, as amended (the &#8220;<U>FDIA</U>&#8221;); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) A Certification of Licensure from the IDFPR, duly certifying as of a
recent date as to the good standing of LCI under the Laws of the State of Illinois; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) (i) a notice to the IRS conforming
to the requirements of Treasury Regulation &#167; <FONT STYLE="white-space:nowrap">1.897-2(h)(2),</FONT> in form and substance satisfactory to Parent, dated as of the Closing Date and executed by the Company, and (ii)&nbsp;a Statement of <FONT
STYLE="white-space:nowrap">Non-U.S.</FONT> Real Property Holding Corporation Status pursuant to Treasury Regulations &#167;&#167; <FONT STYLE="white-space:nowrap">1.1445-2(c)(3)</FONT> and <FONT STYLE="white-space:nowrap">1.897-2(h)</FONT> and
Certification of <FONT STYLE="white-space:nowrap">Non-Foreign</FONT> Status, in form and substance satisfactory to Parent, dated of the Closing Date and executed by the Company; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) A certificate, dated as of the Closing Date, executed by the secretary or other appropriate executive officer of the
Company, pursuant to which such officer shall certify: (i)&nbsp;the due adoption by the Company Board of corporate resolutions attached to such certificate authorizing the execution and delivery of this Agreement, the Second Merger Agreement and the
Bank Merger Agreement and the other agreements and documents contemplated hereby and the taking of all actions contemplated hereby and thereby; (ii)&nbsp;the due adoption and approval by the shareholders of the Company of this Agreement;
(iii)&nbsp;the incumbency and true signatures of those officers of the Company duly authorized to act on its behalf in connection with the transactions contemplated by this Agreement and to execute and deliver this Agreement, the Second Merger
Agreement, the Bank Merger Agreement and the other agreements and documents contemplated hereby and thereby; (iv)&nbsp;that the copy of the Bylaws of the Company attached to such certificate is true and correct and such Bylaws have not been amended
except as reflected in such copy; and (v)&nbsp;a true and correct copy of the list of the holders of Company Stock as of the Closing Date; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) A certificate, dated as of the Closing Date, signed by the appropriate executive officer of the Company, pursuant to which
the Company shall certify that the Company has satisfied the conditions set forth in <U>Sections 8.01</U> and <U>8.02</U>; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) All consents from third parties required to complete the transactions contemplated by this Agreement listed on
<I><U>Confidential Schedule</U></I><I><U> 2.02(l)</U></I>; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) All other documents required to be delivered to Parent under this
Agreement, and all other documents, certificates and instruments as are reasonably requested by Parent or its counsel. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;2.03
<U>Actions to be Taken at the Closing by Parent</U>. At the Closing, Parent shall execute and acknowledge, or cause to be executed and acknowledged, and deliver to the Company such documents and certificates contemplated to be delivered pursuant to
this Agreement or reasonably necessary to evidence the transactions contemplated by this Agreement, including the following (all of such actions constituting conditions precedent to the obligations of the Company to close hereunder): </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) True, correct and complete copies of Parent&#8217;s articles of incorporation and all amendments thereto, duly certified as
of a recent date by the Secretary of State of the State of Arizona; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) True, correct and complete copies of Merger
Sub&#8217;s articles of incorporation and all amendments thereto, duly certified as of a recent date by the Department of Assessments and Taxation of the State of Maryland; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) A certificate of the Secretary of State of the State of Arizona, dated as of a recent date, duly certifying as to the
existence of Parent under the laws of the State of Arizona; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) A certificate of the Department of Assessments and
Taxation of the State of Maryland, dated as of a recent date, duly certifying as to the existence of Merger Sub under the laws of the State of Maryland; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) A certificate, dated as of the Closing Date, signed by the appropriate executive officer of Parent, pursuant to which such
officer shall certify (i)&nbsp;the due adoption by the Parent Board of corporate resolutions attached to such certificate authorizing the Merger and the execution and delivery of this Agreement, the Second Merger Agreement, the Bank Merger Agreement
and the other agreements and documents contemplated hereby and the taking of all actions contemplated hereby and thereby; (ii)&nbsp;the incumbency and true signatures of those officers of Parent duly authorized to act on its behalf in connection
with the Merger and to execute and deliver this Agreement, the Second Merger Agreement, the Bank Merger Agreement and other agreements and documents contemplated hereby and the taking of all actions contemplated hereby and thereby on behalf of
Parent, and (iii)&nbsp;that the copy of the Bylaws of Parent attached to such certificate is true and correct and such Bylaws have not been amended except as reflected in such copy; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) A certificate, dated as of the Closing Date, signed by the appropriate executive officer of Parent, pursuant to which
Parent shall certify that Parent has satisfied the conditions set forth in <U>Sections 7.01</U> and <U>7.02</U>; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) A
certificate, dated as of the Closing Date, signed by the Secretary or an Assistant Secretary of Merger Sub, pursuant to which Merger Sub shall certify (i)&nbsp;the due adoption by the Board of Directors of Merger Sub of corporate resolutions
attached to such certificate authorizing the Merger and the execution and delivery of the Agreement and the other agreements and documents contemplated hereby and thereby and the taking of all actions contemplated hereby and thereby; (ii)&nbsp;the
due adoption by the sole shareholder of Merger Sub of resolutions authorizing the Merger, the Agreement and the transactions contemplated by hereby and thereby; (iii)&nbsp;the incumbency and true signatures of those officers of Merger Sub duly
authorized to act on its behalf in connection with the Merger and to execute and deliver the Agreement and other agreements and documents contemplated hereby and the taking of all actions contemplated hereby and thereby on behalf of Merger Sub, and
(iv)&nbsp;that the copy of the Bylaws of Merger Sub attached to such certificate is true and correct and such Bylaws have not been amended except as reflected in such copy; and </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) All other documents required to be delivered to the Company by Parent
under this Agreement, and all other documents, certificates and instruments as are reasonably requested by the Company or its counsel. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF THE COMPANY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as disclosed in the confidential schedules delivered by the Company to Parent prior to the execution hereof (collectively, the
&#8220;<U>Company Disclosure Schedules</U>&#8221;); <I>provided</I>, that (a)&nbsp;no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty
being deemed untrue or incorrect, (b)&nbsp;the mere inclusion of an item in the Company Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by the Company that such item represents a material
exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Change, and (c)&nbsp;(i) any disclosures made with respect to a section of this <U>Article III</U> shall be deemed to qualify
(1)&nbsp;any other section of this <U>Article</U><U></U><U>&nbsp;III</U> specifically referenced or cross-referenced and (2)&nbsp;other sections of this <U>Article III</U> to the extent it is reasonably apparent on its face (notwithstanding the
absence of a specific cross reference) from a reading of the disclosure that such disclosure applies to such other sections or (ii)&nbsp;as disclosed in any reports, forms, schedules, registration statements and other documents publicly filed by
Company with the SEC since June&nbsp;30, 2025, and prior to the date hereof (but disregarding risk factor disclosures contained under the heading &#8220;Risk Factors,&#8221; or disclosures of risks set forth in any &#8220;forward-looking
statements&#8221; disclaimer or any other statements that are similarly <FONT STYLE="white-space:nowrap">non-specific</FONT> or cautionary, predictive or forward-looking in nature), the Company hereby represents and warrants to Parent as follows:
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.01 <U>Organization and Qualification</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company is a corporation, duly organized, validly existing and in good standing under all Laws of the State of Maryland
and is a savings and loan holding company registered under the HOLA. The Company has the corporate power and authority (including all licenses, franchises, permits and other governmental authorizations as are legally required) to carry on its
business as now being conducted, to own, lease and operate its properties and assets as now owned, leased or operated and to enter into and carry out its obligations under this Agreement. True and complete copies of the Articles of Incorporation and
Bylaws of the Company, as amended to date, certified by the Secretary of the Company, have been made available to Parent. The Company does not own or control any Affiliate or Subsidiary, other than the Bank and LCI. The nature of the business of the
Company and its activities do not require it to be qualified to do business in any jurisdiction other than the States of Maryland, Illinois and Missouri. The Company has no equity interest, direct or indirect, in any other bank or corporation or in
any partnership, joint venture or other business enterprise or entity, other than the Bank or as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary capacity, and the business carried
on by the Company has not been conducted through any other direct or indirect Subsidiary or Affiliate of the Company other than the Bank and LCI. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Bank is a federal savings and loan association, duly organized and validly existing under the Laws of the United States
of America and in good standing under all Laws of the United States. The Bank has the corporate power and authority (including all licenses, franchises, permits and other governmental authorizations as are legally required) to carry on its
</P>
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business as now being conducted, to own, lease and operate its properties and assets as now owned, leased or operated and to enter into and to carry on the business and activities now conducted
by it. True and complete copies of the charter and bylaws of the Bank, as amended to date, have been made available to Parent. The Bank is an insured bank as defined in the FDIA. The Bank does not own or control any Affiliate or Subsidiary other
than LCI. The Bank is duly licensed or qualified to do business in each jurisdiction in which the nature of its business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing or
qualification necessary, except when the failure to be so licensed or qualified would not be material. The Bank is a member in good standing of the Federal Home Loan Bank of Chicago (&#8220;<U>FHLB</U>&#8221;). Except for LCI, the Bank has no equity
interest, direct or indirect, in any other bank or corporation or in any partnership, joint venture or other business enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies
or in a fiduciary capacity, and the business carried on by the Bank has not been conducted through any other direct or indirect Subsidiary or Affiliate of the Bank. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Bank&#8217;s wholly-owned subsidiary, L.C.I. Service Corporation (&#8220;<U>LCI</U>&#8221;) is an Illinois insurance
agency duly organized and validly existing under the laws of the State of Illinois and in good standing under all laws, rules, and regulations of the State of Illinois. LCI has all requisite corporate power and authority (including all licenses,
franchises, permits and other governmental authorizations as are legally required) to carry on its business as now being conducted, to own, lease and operate its properties and assets as now owned, leased or operated and to enter into and to carry
on the business and activities now conducted by it. True and complete copies of the articles of incorporation and bylaws of LCI, as amended to date, have been delivered to the Parent. LCI does not own or control any Affiliate or Subsidiary. The
nature of the business of LCI does not require it to be qualified to do business in any jurisdiction other than the State of Illinois. LCI has no equity interest, direct or indirect, in any other bank or corporation or in any partnership, joint
venture or other business enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary capacity. The business carried on by LCI has not been conducted through
any other direct or indirect Subsidiary or Affiliate of LCI. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.02 <U>Authority; Execution and Delivery</U>. The Company has
the full corporate power and authority to execute and deliver this Agreement and to consummate the transactions contemplated herein. The execution and delivery of this Agreement and the consummation of the Merger have been duly and validly approved
by the Company Board. The Company Board has determined that the Merger, on the terms and conditions set forth in this Agreement, is in the best interests of the Company and its shareholders and has directed that this Agreement and the transactions
contemplated hereby be submitted to the Company&#8217;s shareholders for approval at a meeting of such shareholders with a recommendation from the Company Board in favor of approval (the &#8220;<U>Company Recommendation</U>&#8221;) and has adopted a
resolution to the foregoing effect. Except for the approval of this Agreement by the holders of at least a majority of the Company Stock outstanding as of the record date for the Shareholders&#8217; Meeting (the &#8220;<U>Requisite Company
Approval</U>&#8221;), the Company has taken all action necessary to authorize the execution, delivery and (provided the required regulatory and shareholder approvals are obtained) performance of this Agreement and the other agreements and documents
contemplated hereby to which it is a party. This Agreement has been, and the other agreements and documents contemplated hereby, have been or at Closing shall be, duly executed by the Company, and each constitutes the legal, valid and binding
obligation of the Company, enforceable in accordance with its respective terms and conditions, except as enforceability may be limited by the Bankruptcy Exception. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.03 <U>Capitalization</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The entire authorized capital stock of the Company consists solely of (i) 100,000,000 shares of Company Stock, of which
3,351,526 shares are issued and outstanding and (ii) 50,000,000 shares of preferred stock, par value $0.01 per share, of which no shares are issued and outstanding. Except as set forth on <I><U>Confidential Schedule 3.03(a)</U></I>, there are no
(i)&nbsp;outstanding equity securities of any kind or character or (ii)&nbsp;outstanding subscriptions, options, convertible securities, rights, warrants, calls or other agreements or commitments of any kind issued or granted by, or binding upon,
the Company to purchase or otherwise acquire any security of or equity interest in the Company, obligating the Company to issue any shares of, restricting the transfer of or otherwise relating to shares of its capital stock of any class. All of the
issued and outstanding shares of Company Stock have been duly authorized, validly issued and are fully paid and nonassessable, and have not been issued in violation of the preemptive rights of any Person. Such shares of Company Stock have been
issued in compliance with the securities Laws of the United States and the states in which such shares of Company Stock were issued. There are no restrictions applicable to the payment of dividends on the shares of Company Stock except pursuant to
applicable Laws, and all dividends declared before the date of this Agreement have been paid. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The entire authorized
capital stock of the Bank consists solely of (i) 10,000,000 shares of common stock, par value $0.01 per share, of the Bank (&#8220;<U>Bank Stock</U>&#8221;) of which 100 shares are issued and outstanding and no shares are held as treasury stock (ii)
1,000,000 shares of preferred stock, par value $0.01 per share, of which no shares are issued and outstanding and no shares are held as treasury stock. There are no (i)&nbsp;outstanding equity securities of any kind or character or
(ii)&nbsp;outstanding subscriptions, options, convertible securities, rights, warrants, calls or other agreements or commitments of any kind issued or granted by, or binding upon, the Bank to purchase or otherwise acquire any security of or equity
interest in the Bank, obligating the Bank to issue any shares of, restricting the transfer of or otherwise relating to shares of its capital stock of any class. All of the issued and outstanding shares of Bank Stock have been duly authorized,
validly issued and are fully paid and nonassessable (except as provided under 12 U.S.C. &#167; 55), and have not been issued in violation of the preemptive rights of any person. Such shares of Bank Stock have been issued in compliance with the
securities Laws of the United States. There are no restrictions applicable to the payment of dividends on the shares of Bank Stock except pursuant to applicable Laws, and all dividends declared before the date of this Agreement have been paid. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The entire authorized capital stock of LCI consists solely of 100,000 shares of common stock, par value $1.00 per share, of
LCI (&#8220;<U>LCI Stock</U>&#8221;) of which 50,000 shares are issued and outstanding and no shares are held as treasury stock. There are no (i)&nbsp;outstanding equity securities of any kind or character or (ii)&nbsp;outstanding subscriptions,
options, convertible securities, rights, warrants, calls or other agreements or commitments of any kind issued or granted by, or binding upon, LCI to purchase or otherwise acquire any security of or equity interest in LCI, obligating LCI to issue
any shares of, restricting the transfer of or otherwise relating to shares of its capital stock of any class. All of the issued and outstanding shares of LCI Stock have been duly authorized, validly issued and are fully paid and nonassessable, and
have not been issued in violation of the preemptive rights of any person. Such shares of LCI Stock have been issued in compliance with the securities Laws of the United States and the states in which such shares of LCI Stock were issued. There are
no restrictions applicable to the payment of dividends on the shares of LCI Stock except pursuant to applicable Laws, and all dividends declared before the date of this Agreement have been paid. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.04 <U>Compliance with Laws, Permits and Instruments</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company and each of its Subsidiaries have in all material respects performed and abided by all obligations required to
be performed by it under this Agreement to the date hereof, and have complied with, and is in compliance with, and is not in default (and with the giving of notice or the passage of time shall not be in default) under, or in violation of,
(i)&nbsp;any provision of the Articles of Incorporation of the Company or any of its Subsidiaries or the Bylaws or other governing documents of the Company or any of its Subsidiaries (collectively, the &#8220;<U>Company Constituent
Documents</U>&#8221;), (ii)&nbsp;any material provision of any mortgage, indenture, lease, contract, agreement or other instrument applicable to the Company, its Subsidiaries or their respective assets, operations, properties or businesses, or
(iii)&nbsp;any material Law or Order of any Governmental Entity applicable to the Company or any of its Subsidiaries or their respective assets, operations, properties or businesses. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company and each of its Subsidiaries has complied in all material respects with and is not in material default or
violation under any applicable law, statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to it, including, without limitation and as applicable, all laws related to data protection or privacy, the USA PATRIOT
Act, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair
Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, Federal Consumer Credit Protection Act any regulations promulgated by the Consumer Financial Protection Bureau, the
Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, Flood Disaster Protection Act, Home Owners Equity Protection Act,
Right to Financial Privacy Act, Unfair, Deceptive or Abusive Acts or Practices, the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act and any other law relating to consumer
protection, bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, all agency requirements relating to the origination, sale and
servicing of mortgage and consumer loans and all other laws and regulations governing the operations of a federally insured financial institution (collectively, &#8220;<U>Banking Laws</U>&#8221;). The Company and the Bank have neither had nor
suspected any material incidents of fraud or defalcation involving the Company, the Bank or any of their respective officers, directors or Affiliates during the last three (3)&nbsp;years. The Bank has timely and properly filed and maintained in all
material respects all requisite Currency Transaction Reports and Suspicious Activity Reports and has systems customarily used by financial institutions of a similar size to the Bank that are designed to properly monitor transaction activity
(including wire transfers). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.05 <U>Financial Statements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company has furnished to Parent true and complete copies of (i)&nbsp;the audited consolidated balance sheet of the
Company and its Subsidiaries as of June&nbsp;30, 2025 (the &#8220;<U>Most Recent Balance Sheet Date</U>&#8221;), June&nbsp;30, 2024 and June&nbsp;30, 2023, and the related audited consolidated statements of operations, shareholders&#8217; equity,
and cash flows of the Company and its Subsidiaries, together with all related notes and schedules thereto, accompanied by the reports thereon of the Company&#8217;s independent auditors for the years ended as of such dates (collectively,
&#8220;<U>Company Financial Statements</U>&#8221;). The Company Financial Statements (including the related notes) comply as to form, as of their respective dates, in all material respects with applicable accounting requirements and with the
published rules and regulations of the SEC (except in the case of unaudited statements, as permitted by the rules of the SEC), have been prepared according to GAAP applied on a consistent basis during the periods and at the dates involved (except as
may be </P>
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indicated in the notes thereto), fairly present, in all material respects, the financial condition of the Company and the Bank, as applicable, at the dates thereof and the results of operations
and cash flows for the periods then ended (subject, in the case of unaudited statements, to notes and normal <FONT STYLE="white-space:nowrap">year-end</FONT> adjustments that were not material in amount or effect), and the accounting records
underlying the Company Financial Statements accurately and fairly reflect in all material respects the transactions of the Company. The Company Financial Statements do not contain any items of extraordinary or nonrecurring income or any other income
not earned in the ordinary course of business except as expressly specified therein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company has furnished Parent
with true and complete copies of the Reports of Condition and Income as of June&nbsp;30,&nbsp;2025, June&nbsp;30, 2024 and June&nbsp;30, 2023 (the &#8220;<U>Call Reports</U>&#8221;), for the Bank. The Call Reports fairly present, in all material
respects, the financial position of the Bank and the results of its operations at the date and for the period indicated in that Call Report in conformity with the instructions to the Call Report. The Call Reports do not contain any items of special
or nonrecurring income or any other income not earned in the ordinary course of business except as expressly specified therein. The Bank has calculated its allowance for credit losses (&#8220;<U>ACL</U>&#8221;) in accordance with (i)&nbsp;regulatory
accounting principles (&#8220;<U>RAP</U>&#8221;) as applied to banking institutions, (ii)&nbsp;the Interagency Policy Statement on the Allowance for Credit Losses and (iii)&nbsp;all applicable rules and regulations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Since June&nbsp;30, 2025, (i) neither the Company nor any of its Subsidiaries nor, to the Knowledge of Company, any
director, officer, employee, auditor, accountant or representative of the Company or any of its Subsidiaries has received or otherwise obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding
the accounting or auditing practices, procedures, methodologies or methods of the Company or any of its Subsidiaries or their respective internal accounting controls relating to periods after June&nbsp;30, 2025, including any material complaint,
allegation, assertion or claim that Company or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (ii)&nbsp;to the Knowledge of the Company, no attorney representing the Company or any of its Subsidiaries,
whether or not employed by the Company or any of its Subsidiaries, has reported evidence of a material violation of securities laws, breach of fiduciary duty or similar violation, relating to periods after June&nbsp;30, 2025, by the Company or any
of its officers, directors, employees or agents to the Company Board (or any committee thereof) or to any director or officer of the Company. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Neither the Company nor any of its Subsidiaries is a party to, or has any commitment to become a party to, any joint
venture, <FONT STYLE="white-space:nowrap">off-balance</FONT> sheet partnership or any similar contract or arrangement (including any contract or arrangement relating to any transaction or relationship between or among Company and any of its
Subsidiaries, on the one hand, and any unconsolidated Affiliate, including any structured finance, special purpose or limited purpose entity or Person, on the other hand, or any <FONT STYLE="white-space:nowrap">&#8220;off-balance</FONT> sheet
arrangement&#8221;), where the result, purpose or intended effect of such contract or arrangement is to avoid disclosure of any material transaction involving, or material liabilities of, the Company or any of its Subsidiaries in the Company&#8217;s
or such Subsidiary&#8217;s financial statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.06 <U>Undisclosed Liabilities</U>. Except for (i)&nbsp;those liabilities
that are fully reflected or reserved for in the audited consolidated financial statements of Company included in its Annual Report filed on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended June&nbsp;30, 2025, as filed with
the SEC, (ii)&nbsp;liabilities or obligations incurred in the ordinary course of business since June&nbsp;30, 2025, in amounts consistent with past practice (including such liabilities contained in the Company Financial Statements or Company
Reports); (iii) liabilities that have been discharged or paid in full before the Effective Time; or (iv)&nbsp;liabilities or obligations incurred directly as a result of this Agreement, neither Company nor any of its Subsidiaries has
</P>
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incurred any liability of any nature whatsoever (whether absolute, accrued or contingent or otherwise and whether due or to become due), and there is no existing condition, situation or set of
circumstances that would reasonably be expected to result in such a liability, other than pursuant to or as contemplated by this Agreement or that, either alone or when combined with all other liabilities of a type not described in clause
(i)&nbsp;or (ii), has had, or would be reasonably expected to have, a Material Adverse Change with respect to Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.07
<U>Litigation</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Neither the Company nor any of its Subsidiaries is a party to any, and there are no pending or, to
the Knowledge of the Company, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations of any nature against the Company or any of its Subsidiaries, nor to the Knowledge of the
Company, is there any basis for any proceeding, claim or any action against the Company or any of its Subsidiaries. There is no Order imposed upon the Company or any of its Subsidiaries, or their respective assets or property, that has resulted in,
or is reasonably likely to result in, a Material Adverse Change as to the Company and its Subsidiaries, taken as a whole. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) No legal action, suit or proceeding or judicial, administrative or governmental investigation is pending or, to the
Knowledge of the Company, threatened against the Company or any of its Subsidiaries that questions or might question the validity of this Agreement or the agreements contemplated hereby or any actions taken or to be taken by the Company or any of
its Subsidiaries pursuant hereto or thereto or seeks to enjoin or otherwise restrain the transactions contemplated hereby or thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.08 <U>Consents and Approvals; No Defaults</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Except for (a)&nbsp;the filing of applications, filings and notices, as applicable, with the Federal Reserve, the OCC, the
Illinois Department of Insurance (&#8220;<U>IDOI</U>&#8221;), and the approval of such applications, filings and notices, as necessary, (b)&nbsp;approval of the Company&#8217;s shareholders, (c)&nbsp;the filing with the Securities and Exchange
Commission (&#8220;<U>SEC</U>&#8221;) of any filings under applicable requirements of the Exchange Act, and (d)&nbsp;the filing of the articles of merger with the Department of Assessments and Taxation of the State of Maryland pursuant to the
requirements of the MGCL, no consents, Orders or approvals of or filings or registrations with any Governmental Entity are necessary in connection with (A)&nbsp;the execution and delivery by the Company of this Agreement or (B)&nbsp;the consummation
by the Company of the transactions contemplated by this Agreement. As of the date of this Agreement, the Company knows of no reason why all regulatory approvals from any Governmental Entity or Regulatory Agency required for the consummation of the
transactions contemplated hereby should not be obtained on a timely basis and the Company has no Knowledge of any fact or circumstance that would materially delay receipt of any such required regulatory approval. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Subject to receipt, or the making, of the consents, approvals, waivers and filings referred to in the immediately preceding
paragraph and the expiration of the related waiting periods, the execution, delivery, and performance of this Agreement by Company and the Bank, as applicable, and the consummation of the transactions contemplated by this Agreement do not and shall
not (i)&nbsp;constitute a breach or violation of, or a default under, the Articles of Incorporation or Bylaws (or similar governing documents) of Company or any of its Subsidiaries or Affiliates, (ii)&nbsp;violate any statute, code, ordinance, rule,
regulation, judgment, order, writ, decree or injunction or privacy obligation applicable to Company or any of its Subsidiaries, or any of their respective properties or assets or (iii)&nbsp;violate, conflict with, result in a breach of any provision
of or the loss </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

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of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or
cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Company or any of its Subsidiaries or Affiliates under, any of the terms, conditions, or provisions
of any note, bond, mortgage, indenture, deed of trust, license, lease, contract, agreement or other instrument or obligation to which Company or any of its Subsidiaries or Affiliates is a party, or by which they or any of their respective properties
or assets may be bound or affected, except, in the case of clauses (ii)&nbsp;and (iii) above, for such violations, conflicts, breaches, defaults, terminations, cancellations, accelerations or creations which would not reasonably be expected to have,
either individually or in the aggregate, a Material Adverse Change with respect to Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.09 <U>Title to Assets</U>.
<I><U>Confidential Schedule 3.09</U></I> identifies all real property, other than foreclosed Other Real Estate Owned Property (&#8220;<U>OREO Property</U>&#8221;) that, as of the date of this Agreement is (i)&nbsp;owned by the Company or any of its
Subsidiaries (&#8220;<U>Owned Real Property</U>&#8221;), or (ii)&nbsp;leased pursuant to which the Company or any of its Subsidiaries is a party, either as a lessor or lessee (&#8220;<U>Leased Real Property</U>&#8221;). The Company or any of its
Subsidiaries (a)&nbsp;has good and marketable title to all its Owned Real Property; (b)&nbsp;holds valid and enforceable leases for all its Leased Real Property; (c)&nbsp;owns all of its personal property reflected on the Company Financial
Statements; and (d)&nbsp;holds valid and enforceable leases for all leased personal property used by the Company or any of its Subsidiaries, in each case free and clear of all mortgages and all other Liens (except for Permitted Encumbrances). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.10 <U>Absence of Certain Changes or Events</U>. Since June&nbsp;30, 2025, (a) the Company and each of its Subsidiaries have
conducted their respective businesses only in the ordinary course consistent with past practices (excluding the incurrence of expenses related to this Agreement and the transactions contemplated hereby), (b) there has not been any change,
circumstance, state of facts or event (including any event involving a prospective change) that has occurred, or is reasonably likely to occur, that, either individually or in the aggregate, would have, or reasonably be expected to have a Material
Adverse Change on the Company and its Subsidiaries, and (c)&nbsp;there has not been (i)&nbsp;any action or event of the type that would have required the consent of Parent under <U>Sections 5.04</U> and <U>5.05</U>, or (ii)&nbsp;any material loss,
damage or destruction to, or any material interruption in the use of, any of the assets the Company or any of its Subsidiaries (whether or not covered by insurance). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.11 <U>Leases, Contracts and Agreements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I><U>Confidential </U></I><I><U>Schedule 3.11(a)</U></I> sets forth a complete listing of all material contracts to which
the Company or any of its Subsidiaries is a party (collectively, the &#8220;<U>Listed Contracts</U>&#8221;) that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)
relates to real property used by the Company or any of its Subsidiaries in its operations (such contracts being referred to herein as the &#8220;<U>Leases</U>&#8221;); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) relates in any way to the assets or operations of the Company or any of its Subsidiaries and involves payments to or by
the Company or any of its Subsidiaries of $100,000 or more during the term thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) contains any right of first
refusal or option to purchase in favor of a third party; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) limits the ability of the Company or any of its Subsidiaries to compete
in any line of business or with any Person or in any geographic area or that upon consummation of the Merger shall restrict the ability of Parent or any of its Affiliates to engage in any line of business in which a savings and loan holding company
may lawfully engage; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) obligates the Company or its Subsidiaries (or, following the consummation of the transactions
contemplated hereby, Parent and its Subsidiaries) to conduct business with any third party on an exclusive or preferential basis, or that grants any Person other than the Company or any of its Subsidiaries &#8220;most favored nation&#8221; status or
similar rights; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vi) relates to a joint venture, partnership, limited liability company agreement or other similar
agreement or arrangement, or to the formation, creation or operation, management or control of any partnership or joint venture with any third parties; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(vii) relates to indebtedness of the Company or any of its Subsidiaries; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(viii) provides for potential indemnification payments by the Company or any of its Subsidiaries; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ix) the potential obligation of the Company or any of its Subsidiaries to repurchase loans and involves payments to or by the
Company or any of its Subsidiaries of $100,000 or more during the term thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) provides any rights to investors in
the Company, including registration, preemptive or antidilution rights or rights to designate members of or observers to the Company&#8217;s or any of its Subsidiaries&#8217; Board of Directors; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xi) is a data processing/technology contract, software programming or licensing contract and involves payments to or by the
Company or any of its Subsidiaries of $50,000 or more during the term thereof; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xii) except for the Voting Agreements, is
a voting trust, voting agreement, shareholders&#8217; agreement or similar arrangement relating to a right of first refusal with respect to the purchase, sale or voting of any shares of Company Stock; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiii) requires a consent to, waiver of or otherwise contains a provision relating to a &#8220;change of control,&#8221; or
that would or would reasonably be expected to prevent or delay the consummation of the transactions contemplated by this Agreement; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xiv) is an employment, change in control, salary continuation, deferred compensation or other similar agreements or
arrangements or severance, noncompetition, retention or bonus arrangements between the Company or the Bank; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xv) limits
the payment of dividends by the Bank or any other Subsidiary of the Company; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xvi) is an agreement with any executive
officer or director of the Company or the Bank or holder of ten percent (10%) or more of the issued and outstanding Company Stock or any affiliate of such person, relating to bank owned life insurance (&#8220;<U>BOLI</U>&#8221;); or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xvii) entitles any present or former director, officer, employee or agent
of Company or any of its Subsidiaries to indemnification from the Company or any of its Subsidiaries; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xviii) provides
that the benefits of which shall be increased, or the vesting of benefits of which shall be accelerated, by the occurrence of any of the transactions contemplated by this Agreement, or the value of any of the benefits of which shall be calculated on
the basis of any of the transactions contemplated by this Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xix) which grants any right of first refusal, right
of first offer, or similar right with respect to any material assets or properties of the Company and or its Subsidiaries; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xx) except as filed with the Company Reports prior to the date hereof, is a &#8220;material contract&#8221; (as such term is
defined in Item 601(b)(10) of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> of the SEC); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(xxi) was otherwise not
entered into in the ordinary course of business. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) For the purposes of this Agreement, the term &#8220;<U>Listed
Contracts</U>&#8221; does not include (i)&nbsp;loans made by, (ii)&nbsp;unfunded loan commitments made by, (iii)&nbsp;letters of credit issued by, (iv)&nbsp;loan participations of, (v)&nbsp;Federal funds sold or purchased by, (vi)&nbsp;repurchase
agreements made by, (vii)&nbsp;bankers acceptances of, (viii)&nbsp;deposit liabilities of, (ix)&nbsp;FHLB advances of, (x)&nbsp;Federal Reserve Bank loans of, or (xi)&nbsp;trade payables in the ordinary course of business in amounts of less than
$50,000 of, the Company or its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Except as set forth on <I><U>Confidential Schedule 3.11(c)</U></I>, no
participations or loans have been sold that have buy back, recourse or guaranty provisions that create contingent or direct liability to the Company or any of its Subsidiaries. All of the Listed Contracts are legal, valid and binding obligations of
the parties to the contracts enforceable according to their terms, subject to the Bankruptcy Exception. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) True, complete
and correct copies of all such Listed Contracts, and all amendments thereto, have been furnished to Parent. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) All rent
and other payments by the Company and each of its Subsidiaries under the Listed Contracts are current, there are no material existing defaults by the Company or any of its Subsidiaries under the Listed Contracts and no termination, condition or
other event has occurred that (whether with or without notice, lapse of time or the happening or occurrence of any other event) would constitute a material default thereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.12 <U>Taxes.</U> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each of the Company and its Subsidiaries has timely filed all Tax Returns that it was required to file under applicable
Laws with the appropriate Governmental Entity. All such Tax Returns are true, correct and complete in all material respects and were prepared in compliance with all applicable Laws. All Taxes due and owing by the Company and each of its Subsidiaries
(whether or not shown on any Tax Return) have been timely paid to the appropriate Governmental Entity. Neither the Company nor any of its Subsidiaries is currently the beneficiary of any extension of time within which to file any Tax Return. No
claim has been made by an authority in a jurisdiction where neither Company nor any of its Subsidiaries files any Tax Return that the Company or any of its Subsidiaries is or may be subject to Tax by that jurisdiction or required to file a Tax
Return with that jurisdiction. Other than Liens for current Taxes that are not yet due and payable, there are no Liens for Taxes upon any of the assets of the Company or any of its Subsidiaries. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company and each of its Subsidiaries has collected or withheld and
duly paid to the appropriate Governmental Entity all Taxes required to have been collected or withheld in connection with amounts paid or owing to any employee, independent contractor, creditor, shareholder or other third party and all information
returns (including, for the avoidance of doubt, Forms <FONT STYLE="white-space:nowrap">W-2</FONT> and Forms 1099) and other material documents required with respect to such withholding and remittances have been properly and timely filed and
maintained. The Company and each of its Subsidiaries has correctly classified those individuals performing services to or for the benefit of the Company or its Subsidiaries as common law employees, leased employees, independent contractors or
agents, as applicable. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Each of the Company and its Subsidiaries has properly collected and remitted all material sales
and similar Taxes with respect to sales or leases made or services provided to customers and have properly received and retained any appropriate Tax exemption certificates or other documentation for all such sales, leases or other services made
without charging or remitting sales or similar Taxes that qualify as exempt from sales and similar Taxes. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Neither the
Company nor any of its Subsidiaries has been or is currently the subject of a Tax audit, examination or other administrative or judicial Tax proceeding or action nor has the Company nor any of its Subsidiaries received any written notices or
requests from any Governmental Entity indicating an intent to open an audit or other proceeding relating to Taxes, seeking information related to Tax matters or relating to any issue which could reasonably be expected to affect the Tax liability of
the Company or any of its Subsidiaries. No Governmental Entity is asserting as of the date of this Agreement by written notice to the Company or any of its Subsidiaries any deficiency or claim for any amount of additional Taxes, and all deficiencies
asserted or assessments made as a result of any Tax proceeding by any Governmental Entity of the Tax Returns of or covering or including the Company or any of its Subsidiaries have been fully paid. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) True and complete copies of the federal, state and local income Tax Returns of the Company and each of its Subsidiaries for
all open tax years and all examination reports and statements of deficiency pertaining to the Company and each of its Subsidiaries have been furnished to Parent. Neither the Company nor any of its Subsidiaries has waived any statute of limitations
in respect of Taxes or agreed to any extension of time with respect to a Tax assessment or deficiency, which waiver or extension remains in effect. Neither the Company nor any of its Subsidiaries has granted to any Person any power of attorney that
is currently in force with respect to any Tax matter. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Neither the Company nor any of its Subsidiaries has ever
requested or received a private letter ruling or other similar ruling from any Governmental Entity. Neither the Company nor any of its Subsidiaries has filed, nor does the Company or any of its Subsidiaries have any present intent to file, any
ruling requests with any taxing authority, including any request to change any accounting method. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) Neither the Company
nor any of its Subsidiaries have been a United States real property holding corporation within the meaning of Section&nbsp;897(c)(2) of the Code during the applicable period specified in Section&nbsp;897(c)(l)(A)(ii) of the Code. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Neither the Company nor any of its Subsidiaries is a party to or bound
by any Tax allocation, sharing, indemnity, or similar agreement or arrangement (whether or not written), other than such provisions included in agreements the principal purpose of which is not Taxes. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Neither the Company nor any of its Subsidiaries has ever been a member of an affiliated, consolidated, combined, unitary or
similar group of corporations or included in a combined, consolidated or unitary Tax Return (other than a group the common parent of which was Parent or the Company). Neither the Company nor any of its Subsidiaries has any liability under Treasury
Regulation <FONT STYLE="white-space:nowrap">Section&nbsp;1.1502-6</FONT> (or any similar provision of federal, state, local or <FONT STYLE="white-space:nowrap">non-U.S.</FONT> Tax Law), as a transferee or successor, pursuant to any contractual
obligation or otherwise for any Taxes of any Person. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) Neither the Company nor any of its Subsidiaries has been a party
to, or participated in, any &#8220;reportable transaction&#8221; as set forth in Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.6011-4(b).</FONT> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) Neither the Company nor any of its Subsidiaries has been required to disclose on its federal income Tax Returns any
position that could give rise to an understatement of federal income tax within the meaning of Section&nbsp;6662 of the Code. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Neither the Company nor any of its Subsidiaries shall be required to include any item of income in, nor shall the Company
or any of its Subsidiaries be required to exclude any item of deduction from, taxable income for any taxable period (or portion thereof) ending after the Closing Date as a result of any: (i)&nbsp;change in the Company&#8217;s or any of its
Subsidiary&#8217;s method of accounting for a taxable period ending on or prior to the Closing Date under Section&nbsp;481 of the Code (or any corresponding or similar provision of state, local or foreign income Tax law) or use of an improper method
of accounting for a taxable period ending on or prior to the Closing Date; (ii)&nbsp;&#8220;closing agreement&#8221; as described in Section&nbsp;7121 of the Code (or any corresponding or similar provision of state, local or foreign income Tax law)
executed on or prior to the Closing Date by the Company or any of its Subsidiaries; (iii)&nbsp;&#8220;deferred intercompany gain&#8221; or &#8220;excess loss account&#8221; as described in the Treasury Regulations under Section&nbsp;1502 of the Code
(or any corresponding or similar provision of state, local or foreign Tax law); (iv)&nbsp;installment sale or open transaction disposition made on or prior to the Closing Date by the Company or any of its Subsidiaries; (v)&nbsp;deferred revenue or
prepaid amount received on or prior to the Closing Date by the Company or any of its Subsidiaries; (vi)&nbsp;inclusion under Section&nbsp;965(a) of the Code or any election under Section&nbsp;965(h) or Section&nbsp;965(i) of the Code,
(vii)&nbsp;inclusion pursuant to Section&nbsp;951 or Section&nbsp;951A of the Code with respect to any interest held in a &#8220;controlled foreign corporation&#8221; (as that term is defined in Section&nbsp;957 of the Code) in any taxable period
(or portion thereof) ending on or before the Closing Date; or (viii)&nbsp;any similar election, action or agreement that would have the effect of deferring any liability for Taxes of the Company or its Subsidiaries from any taxable period (or
portion thereof) ending on or before the Closing Date to any taxable period (or portion thereof) ending on or after the Closing Date. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) Neither the Company nor any of its Subsidiaries have distributed stock of another Person or had its stock distributed by
another Person, in a transaction that was purported or intended to be governed in whole or in part by Sections 355 or 361 of the Code. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) Neither the Company nor any of its Subsidiaries are subject to Tax in any country other than the United States by virtue of
having employees, a permanent establishment, a branch, an office or fixed place of business, an agency or other contacts with or in such other country. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) Neither the Company or any of its Subsidiaries has deferred any payroll
Taxes or availed itself of any of the Tax deferral, credits or benefits pursuant to the CARES Act or otherwise taken advantage of any change in applicable Law in connection with <FONT STYLE="white-space:nowrap">COVID-19</FONT> that has the result of
temporarily reducing (or temporarily delaying the due date of) otherwise applicable payment obligations of the Company or its Subsidiaries to any taxing authority, including seeking any employee retention credits. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) Within the past three (3)&nbsp;years, the Internal Revenue Service (the &#8220;<U>IRS</U>&#8221;) has not challenged the
interest deduction on any of the Company&#8217;s or any of its Subsidiaries&#8217; debt on the basis that such debt constitutes equity for federal income tax purposes. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q) The Company and each of its Subsidiaries has included reserves determined in accordance with GAAP in the Company Financial
Statements for all accrued Taxes of the Company and its Subsidiaries not yet due and payable as of the Most Recent Balance Sheet Date. The unpaid Taxes of the Company and each of its Subsidiaries (i)&nbsp;did not, as of the Most Recent Balance Sheet
Date, exceed the current liability accruals for Taxes (excluding any reserves for deferred Taxes established to reflect timing differences between book and Tax income) set forth in the Company Financial Statements and (ii)&nbsp;do not exceed such
current liability accruals for Taxes (excluding reserves for deferred Taxes established to reflect timing differences between book and Tax income) as adjusted for the passage of time through the Closing Date in accordance with the past custom and
practice of the Company and its Subsidiaries in filing their respective Tax Returns. Since the Most Recent Balance Sheet Date, the Company has not (x)&nbsp;incurred any liability for Taxes outside the ordinary course of business, or (y)&nbsp;taken
any action that may result in Tax or increase the excise Tax base materially as described in Section&nbsp;4501 of the Code and the Treasury Regulations thereunder, <FONT STYLE="white-space:nowrap">Notice&nbsp;2023-2&nbsp;and</FONT> any subsequent
guidance implementing the foregoing. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r) All related party transactions involving the Company and its Subsidiaries have
been conducted at arm&#8217;s length in compliance with Section&nbsp;482 of the Code and the Treasury Regulations promulgated thereunder (and any corresponding or similar provision of state, local, or <FONT STYLE="white-space:nowrap">non-U.S.</FONT>
Law) and each of the Company and its Subsidiaries has maintained documentation in connection with such related party transactions in accordance with Section&nbsp;482 of the Code (and any corresponding or similar provision of state, local, or <FONT
STYLE="white-space:nowrap">non-U.S.</FONT> Law). Neither the Company nor any of its Subsidiaries is a party to any cost-sharing agreement or similar arrangement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s) There is no limitation on the utilization by the Company or its Subsidiaries of its net operating losses, <FONT
STYLE="white-space:nowrap">built-in</FONT> losses, Tax credits or similar items under Sections 269, 382, 383, 384 or 1502 of the Code (or any corresponding or similar provision of state, local, or <FONT STYLE="white-space:nowrap">non-U.S.</FONT>
Law), other than any such limitation arising as a result of the consummation of the transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t) Neither the Company nor any of its Subsidiaries is a party to or member of any joint venture, partnership, limited
liability company or other arrangement or contract which could reasonably be expected to be treated as a partnership for federal income Tax purposes. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u) Each of the Company and each of its Subsidiaries (i)&nbsp;is (and, to the Knowledge of the Company, always has been)
taxable as a C corporation for U.S. federal income Tax purposes; (ii)&nbsp;is not, and never has been, taxable as an S corporation for U.S. federal income Tax purposes; and (iii)&nbsp;has comparable status under the applicable Laws of any state or
local jurisdiction in which it is required to file any Tax Return. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) Neither the Company nor any of its Subsidiaries is a party to any
agreement, arrangement or plan that has resulted in or could result, separately or in the aggregate, in the payment of (i)&nbsp;any &#8220;excess parachute payment&#8221; within the meaning of Code Section&nbsp;280G (without regard to Sections
280G(b)(4) and 280G(b)(5) of the Code) (or any corresponding provision of state, local, or <FONT STYLE="white-space:nowrap">non-U.S.</FONT> Law) or (ii)&nbsp;any amount that will not be fully deductible as a result of Code Section&nbsp;162(m) (or
any corresponding provision of state, local or <FONT STYLE="white-space:nowrap">non-U.S.</FONT> Law). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.13 <U>Insurance</U>.
<I><U>Confiden</U></I><I><U>tial Schedule 3.13</U></I> sets forth an accurate and complete list of all policies of insurance, including fidelity and bond insurance (including any BOLI), relating to the Company and each of its Subsidiaries. All such
policies (a)&nbsp;are valid, outstanding and enforceable according to their terms, subject to the Bankruptcy Exception, and (b)&nbsp;are presently in full force and effect, no notice has been received of the cancellation, or, to the Company&#8217;s
Knowledge, threatened or proposed cancellation, of any such policy and there are no unpaid premiums due thereon. The value of any BOLI is and has been fairly and accurately reflected in Company&#8217;s balance sheet in accordance with GAAP. Neither
the Company nor any of its Subsidiaries is in default with respect to any such policy and has not failed to give any notice or present any claim thereunder in a due and timely fashion. Except as set forth on <I><U>Confidential Schedule 3.13</U></I>,
neither the Company nor any of its Subsidiaries have been refused any insurance with respect to its assets or operations, nor has its insurance been limited by any insurance carrier to which the Company or any of its Subsidiaries have applied for
any such insurance within the last two (2)&nbsp;years. Each property of the Company and each of its Subsidiaries is insured for an amount deemed adequate by the Company&#8217;s management, as applicable, against risks deemed appropriate by
Company&#8217;s management. There have been no claims under any fidelity bonds of the Company or any of its Subsidiaries within the last three (3)&nbsp;years, and the Company has no Knowledge of any facts that would form the basis of a claim under
such bonds. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.14 <U>Wealth Management and Related Activities</U><U>.</U> Except as set forth in <I><U>Confidential Schedule
3.14</U></I>, neither the Company nor any of its Subsidiaries or any of their respective directors, officers, employees or authorized representatives is required to be registered, licensed or authorized under the laws issued by any governmental
authority or regulatory agency as an investment adviser, a broker or dealer, an insurance agency or company, a commodity trading adviser, a commodity pool operator, a futures commission merchant, municipal securities dealer, an introducing broker, a
registered representative or associated person, investment adviser representative or solicitor, a counseling officer, an insurance agent, or in any similar capacity with a governmental authority or regulatory agency. Neither the Company nor any of
its Subsidiaries has received any written notice of proceedings relating to any obligation to be so registered, licensed or qualified. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.15 <U>Proprietary Rights</U>. Except as set forth on <I><U>Confidential Schedule 3.15</U></I>, neither the Company nor any of
its Subsidiaries owns or requires the use of any patent, patent application, patent right, invention, process, trademark (whether registered or unregistered), trademark application, trademark right, trade name, service name, service mark, copyright
or any trade secret (&#8220;<U>Proprietary Rights</U>&#8221;) for its business or operations. To the Company&#8217;s Knowledge, neither the Company nor any of its Subsidiaries is infringing upon or otherwise acting adversely to, and have not
infringed upon or otherwise acted adversely to, any Proprietary Right owned by any other Person or Persons. There is no claim or action by any such Person pending, or to the Company&#8217;s Knowledge, threatened, with respect to the Company&#8217;s
Proprietary Rights. To the Knowledge of the Company, no third party has ever gained unauthorized access to any information technology networks controlled by and material to the operation of the business of the Company and its Subsidiaries. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.16 <U>Transactions with Certain Persons and Entities</U>. Excluding deposit
liabilities and except as set forth on <I><U>Confidential Schedule 3.16</U></I>, there are no outstanding amounts payable to or receivable from, or advances by the Company or any of its Subsidiaries to, and neither the Company nor any of its
Subsidiaries is otherwise a creditor to, any director or executive officer of the Company or any of its Subsidiaries, nor is the Company or any of its Subsidiaries a debtor to any such person other than as part of the normal and customary terms of
such person&#8217;s employment or service as a director of the Company or any of its Subsidiaries. Neither the Company nor any of its Subsidiaries uses any asset owned by any shareholder or any present or former director or officer of the Company or
any of its Subsidiaries, or any Affiliate thereof, in its operations (other than personal belongings of such officers and directors located in the Company&#8217;s or any of its Subsidiaries&#8217; premises and not used in the operations of the
Company or any of its Subsidiaries), nor do any of such persons own or have the right to use real property that is adjacent to property on which the Company&#8217;s or any of its Subsidiaries&#8217; facilities are located. Except as set forth on
<I><U>Confidential Schedule 3.16</U></I>, neither the Company nor any of its Subsidiaries is a party to any transaction or contract with any director or executive officer of the Company or any of its Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.17 <U>Evidences of Indebtedness</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I><U>Confidential Schedule 3.17(a) </U></I>identifies all loans and other extensions of credit (including commitments to
extend credit) (each, a &#8220;<U>Loan</U>&#8221;) as of the date hereof by Company and its Subsidiaries to any directors, executive officers and principal shareholders (as such terms are defined in Regulation O of the Federal Reserve (12 C.F.R.
Part 215)) of the Company or any of its Subsidiaries, and such Loans are and were originated in compliance in all material respects with all applicable Laws. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each outstanding Loan (including Loans held for resale to investors) was solicited and originated, and is and has been
administered and, where applicable, serviced, and the relevant Loan files are being maintained, in all respects in accordance with the relevant notes or other credit or security documents, Company&#8217;s written underwriting standards (and, in the
case of Loans held for resale to investors, the underwriting standards, if any, of the applicable investors) and with all applicable Law, except for such exceptions as would not reasonably be expected to be, individually or in the aggregate,
material to the Company or its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) None of the agreements pursuant to which Company or any of its
Subsidiaries has sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or interests therein solely on account of a payment default by the obligor on any such Loan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <I><U>Confidential Schedule 3.17(d)</U></I> identifies (A)&nbsp;each Loan that as of June&nbsp;30, 2025 had an outstanding
balance and/or unfunded commitment of $500,000 or more and that as of such date (i)&nbsp;was contractually past due sixty (60)&nbsp;days or more in the payment of principal and/or interest, (ii)&nbsp;was on
<FONT STYLE="white-space:nowrap">non-accrual</FONT> status, (iii)&nbsp;was classified as &#8220;substandard,&#8221; &#8220;doubtful,&#8221; &#8220;loss,&#8221; &#8220;classified,&#8221; &#8220;criticized,&#8221; &#8220;watch list&#8221; or
&#8220;special mention&#8221; (or words of similar import) by Company, any of its Subsidiaries or the rules of any Regulatory Agency, (iv)&nbsp;where the interest rate terms had been reduced and/or the maturity dates had been extended subsequent to
the agreement under which the Loan was originally created due to concerns regarding the borrower&#8217;s ability to pay in accordance with such initial terms, or (v)&nbsp;where a specific reserve allocation existed in connection therewith,
(B)&nbsp;the aggregate outstanding balance of all Loans in each of the foregoing clauses (i)-(vi) that as of June&nbsp;30, 2025 had an outstanding balance and/or funded commitment less than $500,000, and (C)&nbsp;each asset of Company or any of its
Subsidiaries that as of June&nbsp;30, 2025 had a book value of over $500,000 and that was classified as OREO or as a repossessed asset to satisfy Loans or assets acquired pursuant to a debt previously contracted in good faith, including repossessed
equipment, and the book value thereof as of such date. For each Loan identified in response to clause (A)&nbsp;above, <I><U>Confidential Schedule </U></I><I><U>3.17(d)</U></I> sets forth the outstanding balance, including accrued and unpaid
interest, on each such Loan and the identity of the borrower thereunder as of June&nbsp;30, 2025. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Each outstanding material Loan (i)&nbsp;is evidenced by notes,
agreements or other evidences of indebtedness that are, in all material respects, true, genuine and what they purport to be, (ii)&nbsp;to the extent secured, has been secured by valid Liens which have been perfected, except as may be limited by
Bankruptcy Exceptions and (iii)&nbsp;to the Knowledge of Company, is a legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to Bankruptcy Exceptions. The notes or other credit or
security documents with respect to each such outstanding Loan were in compliance in all material respects with all applicable Laws at the time of origination or purchase by Company and are complete and correct in all material respects. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.18 <U>Condition of Assets</U>. All tangible assets used by the Company and each of its Subsidiaries (other than those tangible
assets with a book value of less than $10,000) are in good operating condition, ordinary wear and tear excepted, and conform in all material respects with all applicable ordinances, regulations, zoning and other Laws, whether federal, state or
local. Except as set forth on <I><U>Confidential Schedule 3.18</U></I><I>, </I>none of the Company&#8217;s or any of its Subsidiaries&#8217; premises or equipment is in need of maintenance or repairs other than ordinary routine maintenance and
repairs that are not material in nature or cost. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.19 <U>Environmental Compliance</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <I><U>Confidential Schedule 3.19(a)</U></I> sets forth all analyses, surveys, studies, samplings, assessments,
investigations or Phase I, II or III environmental reports on or related to any real property owned by the Company and/or the Bank (&#8220;<U>Environmental Reports</U>&#8221;), and the Company has provided copies of such Environmental Reports to
Parent. The Company has provided Parent with copies of reports in its possession discussing the environmental condition of any Property and any violations of Environmental Law relating to any Property. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company and each of its Subsidiaries, operations and Properties are in compliance with all Environmental Laws. The
Company has no Knowledge of, nor has the Company or any of its Subsidiaries received notice of, any past, present, or future conditions, events, activities, practices or incidents that may interfere with or prevent the compliance of the Company or
any of its Subsidiaries with all Environmental Laws. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company and each of its Subsidiaries have obtained all
permits, licenses and authorizations that are required of it under all Environmental Laws, all such permits are in full force and effect, there exists no basis for revocation or suspension of the permits, and such permits shall not be affected by
the transactions contemplated herein. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Except as set forth on <I><U>Confidential Schedule 3.19(d)</U></I>, no Hazardous
Materials exist on, about or within any of the Properties, nor to the Knowledge of the Company have any Hazardous Materials previously existed on, under, about or within or have been used, generated, stored, or transported from any of the
Properties, except in normal quantities used in the normal course of business as office or cleaning supplies without release to the environment and that would not give rise to an obligation to conduct a remedial action pursuant to Environmental
Laws. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) There is no action, suit, proceeding, investigation, or inquiry by any
Governmental Entity pending or, to the Company&#8217;s Knowledge, threatened against the Company or any of its Subsidiaries or pending or, to the Company&#8217;s Knowledge, threatened against any other Person in connection with any Property, arising
in any way under any Environmental Law. Neither the Company nor any of its Subsidiaries have any liability for remedial action under any Environmental Law. Neither the Company nor any of its Subsidiaries has received any request for information by
any Governmental Entity with respect to the condition, use or operation of any of the Properties nor has the Company or any of its Subsidiaries received any notice of any kind from any Governmental Entity or other Person with respect to any
violation of or claimed or potential liability of any kind under any Environmental Law. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) To the Company&#8217;s
Knowledge, none of the following exists at any property or facility owned or operated by the Company or any of its Subsidiaries: (i)&nbsp;under or <FONT STYLE="white-space:nowrap">above-ground</FONT> storage tanks, (ii)&nbsp;asbestos containing
material in any form or condition, (iii)&nbsp;materials or equipment containing polychlorinated biphenyls or urea formaldehyde, or (iv)&nbsp;landfills, surface impoundments, or disposal areas. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) None of the properties currently owned or operated by the Company or any of its Subsidiaries is encumbered by a Lien
arising or imposed under any Environmental Law. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) To the Company&#8217;s Knowledge, following commercially reasonable
investigation and upon advice of the Company&#8217;s counsel, the transactions contemplated by this Agreement shall not result in any liabilities for site investigation or cleanup, or require the consent of any Person, pursuant to any of the <FONT
STYLE="white-space:nowrap">so-called</FONT> <FONT STYLE="white-space:nowrap">&#8220;transaction-triggered&#8221;</FONT> or &#8220;responsible property transfer&#8221; Environmental Laws. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Neither the Company nor any of its Subsidiaries, either expressly or by operation of law, assumed or has undertaken any
obligation, including any obligation for remedial action, of any other Person under any Environmental Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.20
<U>Regulatory Compliance</U>. All reports, records, registrations, statements, notices and other documents or information required to be filed by the Company and any of its Subsidiaries with any Regulatory Agency, including, but not limited to, the
Federal Reserve, the OCC and the IDOI, have been timely filed and all information and data contained in such reports, records or other documents are true, accurate, correct and reasonably complete in all material respects. None of the Company or any
of its Subsidiaries is or has been within the last four (4)&nbsp;years subject to any commitment letter, memorandum of understanding, cease and desist order, written agreement or other formal or informal administrative action with any such
regulatory bodies. There are no actions or proceedings pending or, to the Company&#8217;s Knowledge, threatened against the Company or any of its Subsidiaries by or prior to any such regulatory bodies or any other nation, state or subdivision
thereof, or any other entity exercising executive, legislative, judicial, regulatory or administrative functions of or pertaining to government. Except for normal examinations conducted by bank regulatory agencies in the ordinary course of business,
no Regulatory Agency has initiated any proceeding or, to the Company&#8217;s Knowledge, investigation into the business or operations of the Company or any of its Subsidiaries. There is no unresolved violation or apparent violation alleged by any
Regulatory Agency with respect to any written report or statement relating to any examinations of the Company or the Bank. The Company is &#8220;well capitalized&#8221; (as that term is defined in 12 C.F.R. &#167; 225.2(r)) and &#8220;well
managed&#8221; (as that term is defined is 12 C.F.R. &#167; 225.2(s)). The Bank is an &#8220;eligible bank&#8221; (as that term is defined in 12 C.F.R. &#167; 5.3). The Bank is a &#8220;qualified thrift lender&#8221; (as that term is defined in 12
U.S.C. &#167; 1467a(m)). The Bank has established and maintains a &#8220;liquidation account&#8221; in accordance with 12 C.F.R. &#167; 192.450. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.21 <U>Absence of Certain Business Practices</U>. Neither the Company nor any
of its Subsidiaries or any officer, employee or agent of the Company or any of its Subsidiaries, or any other Person acting on their behalf, has, directly or indirectly, within the past five (5)&nbsp;years, given or agreed to give any gift or
similar benefit to any customer, supplier, governmental employee or other Person who is or may be in a position to help or hinder the business of the Company or any of its Subsidiaries (or assist the Company or any of its Subsidiaries in connection
with any actual or proposed transaction) that (a)&nbsp;might subject the Company or any of its Subsidiaries to any damage or penalty in any civil, criminal or governmental litigation or proceeding, (b)&nbsp;if not given in the past, might have
resulted in a Material Adverse Change, or (c)&nbsp;if not continued in the future might result in a Material Adverse Change or might subject the Company or any of its Subsidiaries to suit or penalty in any private or governmental litigation or
proceeding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.22 <U>Books and Records</U>. The minute books, stock certificate books and stock transfer ledgers of the
Company and each of its Subsidiaries (a)&nbsp;have been kept accurately in the ordinary course of business, (b)&nbsp;are complete and correct in all material respects, (c)&nbsp;the transactions entered therein represent bona fide transactions, and
(d)&nbsp;do not fail to reflect transactions involving the business of the Company or any of its Subsidiaries that properly should have been set forth therein and that have not been accurately so set forth. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.23 <U>Forms of Instruments, Etc</U>. The Company has made, and shall make, available to Parent copies of all standard forms of
notes, mortgages, deeds of trust and other routine documents of a like nature used on a regular and recurring basis by the Company and its Subsidiaries in the ordinary course of its business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.24 <U>Fiduciary Responsibilities</U>. The Company and each of its Subsidiaries have properly administered all accounts for
which the Company or any of its Subsidiaries acts as a fiduciary, including accounts for which Company or any of its Subsidiaries serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment adviser, in
compliance with the terms of the governing documents and applicable Law in all material respects. None of the Company or any of its Subsidiaries, or any director, officer or employee of the Company or any of its Subsidiaries, has committed any
material breach of trust with respect to any such fiduciary account. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.25 <U>Guaranties</U>. According to past business
practices and in compliance with applicable Law, neither the Company nor any of its Subsidiaries have guaranteed the obligations or liabilities of any other Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.26 <U>Deposits</U>. Except as set forth in <I><U>Confidential</U></I><I><U> Schedule 3.26</U></I>, no deposit of the Bank
(a)&nbsp;is a &#8220;brokered deposit&#8221; (as such term is defined in 12 C.F.R. &#167; 337.6(a)(2)); (b) was acquired through a deposit listing service; or (c)&nbsp;is subject to any encumbrance, legal restraint or other legal process (other than
garnishments, pledges, set off rights, escrow limitations and similar actions taken in the ordinary course of business). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.27 <U>Employee Relationships</U>. The Company and each of its Subsidiaries have complied in all material respects with all
applicable Laws relating to its relationships with their employees, and the Company believes that the relationship between the Company and its employees and the employees of each of its Subsidiaries generally is good. To the Knowledge of the Company
and except as set forth on <I><U>Confidential Schedule 3.27</U></I>, no executive officer or manager of any of the operations of the Company or any of its Subsidiaries or of any group of employees of the Company or any of its Subsidiaries have any
present plans, or have had discussions, to terminate their employment with the Company or any of its Subsidiaries, including, without limitation, any executive officer of the Company or the Bank or any member of the senior management team. The
Company is not a party to any oral or written contracts or agreements granting benefits or rights to employees or any collective bargaining agreement or to any conciliation agreement with the Department of Labor, the Equal Employment Opportunity
Commission or any federal, state or local agency that requires equal employment opportunities or affirmative action in employment. There are no unfair labor practice complaints pending against the Company or any of its
</P>
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Subsidiaries prior to the National Labor Relations Board and no similar claims pending prior to any similar state or local or foreign agency. To the Knowledge of the Company, there is no activity
or proceeding of any labor organization (or representative thereof) or employee group to organize any employees of the Company or any of its Subsidiaries, nor of any strikes, slowdowns, work stoppages, lockouts or threats thereof, by or with respect
to any such employees. The Company and each of its Subsidiaries is in compliance in all material respects with all applicable Laws respecting employment and employment practices, terms and conditions of employment and wages and hours, and neither
the Company nor any of its Subsidiaries is engaged in any unfair labor practice, except for such noncompliance or labor practice. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.28 <U>Employee Benefit Plans</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Set forth on <I><U>Confidential Schedule 3.28(a)</U></I> is a complete and correct list of all &#8220;employee benefit
plans&#8221; (as defined in Section&nbsp;3(3) of the Employee Retirement Income Security Act of 1974, as amended (&#8220;<U>ERISA</U>&#8221;)) (whether or not subject to ERISA), all specified fringe benefit plans as defined in Code
&#167;&nbsp;6039D, and all other employment, bonus, incentive, compensation, deferred compensation, profit sharing, stock option, phantom stock, stock appreciation right, stock bonus, stock purchase, other equity or equity-based compensation,
employee stock ownership, savings, severance, supplemental unemployment, layoff, salary continuation, retirement, pension, health, life insurance, disability, group insurance, vacation, holiday, sick leave, fringe benefit or welfare plan or any
other similar plan, agreement, policy or understanding (written or oral, qualified or nonqualified, currently effective or terminated), and any trust, escrow or other agreement related thereto, which (i)&nbsp;are sponsored, maintained, or
contributed to, by the Company or any of its Subsidiaries, or with respect to which the Company or any of its Subsidiaries has or could reasonably be expected to have any liability thereunder, and (ii)&nbsp;provide benefits, or describe policies or
procedures applicable to, or for the welfare of, any current of former officer, director, independent contractor, employee, or service provider of the Company or any of its Subsidiaries, or the dependents or spouses of any such person, regardless of
whether funded (the &#8220;<U>Employee Plans</U>&#8221;). Except as set forth on <I><U>Confidential Schedule </U></I><I><U>3.28(a)</U></I>, true, accurate and complete copies of (i)&nbsp;the documents comprising each Employee Plan, or, in the case
of each unwritten Employee Plan, a written description thereof, including, to the extent applicable, each award agreement, trust, funding arrangements (including all annuity contracts, insurance contracts, and other funding instruments), (ii) the
most recent summary plan description for each Employee Plan for which a summary plan description is required, together with any summary of material modifications thereto, (iii)&nbsp;the most current determination letter or opinion issued by the
Internal Revenue Service, (iv)&nbsp;Form 5500 Annual Reports (including all schedules and attachments) for the three most recent plan years, (v)&nbsp;the results of annual nondiscrimination testing performed for the three most recent plan years,
(vi)&nbsp;all correspondence to or from any Governmental Entity relating to any Employee Plan and (vii)&nbsp;Form <FONT STYLE="white-space:nowrap">1094-C</FONT> and <FONT STYLE="white-space:nowrap">1095-C</FONT> filings for the three most recent
plan years have been delivered to Parent and are included and specifically identified in <I><U>Confidential Schedule </U></I><I><U>3.28(a)</U></I>. No unwritten amendment exists with respect to any written Employee Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Except as set forth on <I><U>Confidential Schedule 3.28(b)</U></I> no Employee Plan is a defined benefit plan within the
meaning of ERISA &#167;3(35), a multiemployer plan (within the meaning of ERISA &#167;&nbsp;3(37)), a &#8220;multiple employer welfare arrangement&#8221; (as defined in &#167;&nbsp;3(40) of ERISA), or a &#8220;multiple employer plan&#8221; (as
defined in Section&nbsp;413 of the Code) or is otherwise subject to ERISA Title IV, and neither the Company nor any of its Subsidiaries has ever sponsored or otherwise maintained such a plan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Except as set forth on <I><U>Confidential Schedule 3.28(c)</U></I>,
there have been no prohibited transactions (as defined in Code &#167; 4975(c)(1)), breaches of fiduciary duty or any other breaches or violations of any Law applicable to the Employee Plans that would directly or indirectly subject the Company, any
of its Subsidiaries or any Employee Plan to any taxes, penalties, or other liabilities (including any liability arising from any indemnification agreement or policy), except to the extent that the Company, any of its Subsidiaries or any Employee
Plan sponsored by the Company or any of its Subsidiaries is involved in such transaction or breach. Each Employee Plan that is intended to be qualified under Code &#167; 401(a) has a current favorable determination or opinion letter and has no
obligation to adopt any amendments for which the remedial amendment period under Code &#167; 401(b) has expired and the Company is not aware of any circumstances likely to result in revocation of any such favorable determination or opinion letter.
Each such Employee Plan is so qualified and has been operated in material compliance with applicable Law and its terms, any related trust is exempt from federal income tax under Code &#167; 501(a) and no event has occurred that will or reasonably
could result in the loss of such tax exemption or to liability for any tax under Code &#167; 511. There are no pending claims, lawsuits or actions relating to any Employee Plan (other than ordinary course claims for benefits) and, to the
Company&#8217;s Knowledge, none are threatened, except to the extent that the Company, any of its Subsidiaries, or any Employee Plan sponsored by the Company or any of its Subsidiaries is involved in such transaction. Except as identified on
<I><U>Confidential Schedule 3.28(c)</U></I><I>, </I>no written or oral representations have been made by or on behalf of the Company or any of its Subsidiaries to any employee or former employee of the Company or any of its Subsidiaries promising or
guaranteeing any employer payment or funding for the continuation of medical, dental, life or disability coverage or any other welfare benefit (as defined in ERISA &#167; 3(1)) for any period of time beyond the end of the current plan year (except
to the extent of coverage required under Code &#167;&nbsp;4980B). Except as identified on <I><U>Confidential Schedule 3.28(c)</U></I>,<I> </I>there are no surrender charges, penalties, or other costs or fees that would be imposed by any person
against the Company or any of its Subsidiaries, an Employee Plan, or any other person, including an Employee Plan participant or beneficiary, as a result of the hypothetical liquidation as of the Closing Date of any insurance, annuity, or investment
contracts or any other similar investment held by any Employee Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Except as set forth on <I><U>Confidential
Schedule 3.28(d)</U></I>, the execution, delivery and performance by the Company of its obligations under the transactions contemplated by this Agreement and/or the approval of the Company&#8217;s shareholders of the Merger (whether alone or in
connection with any subsequent event(s)), will not (i)&nbsp;result in severance pay or any increase in severance pay upon any termination of employment, (ii)&nbsp;result in the acceleration of the time of payment or vesting of, or any payment or
funding (through a grantor trust or otherwise) of compensation or benefits under, or increase the amount payable or result in any other obligation with respect to any employee of the Company or any of its Subsidiaries or pursuant to, any Employee
Plan, (iii)&nbsp;result in any payments or benefits which would not be deductible pursuant to Code &#167; 280G or (iv)&nbsp;require a <FONT STYLE="white-space:nowrap">&#8220;gross-up&#8221;</FONT> or other payment to any &#8220;disqualified
individual&#8221; within the meaning of Section&nbsp;280G(c) of the Code or with respect to any deferred compensation plan within the meaning of Section&nbsp;409A of the Code. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) All contributions to any Employee Plan (including, without limitation, all employer contributions, employee salary
reduction contributions and all premiums or other payments (other than claims)) that are due and payable by the Company or any of its Subsidiaries on or before the Closing Date have been timely paid (including permissible extensions) to or made with
respect to each Employee Plan and, to the extent not presently payable, appropriate reserves have been established for the payment and properly accrued in accordance with GAAP. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) No participant or beneficiary of a participant has been denied any benefit due or to become due under any Employee Plan. To
the Company&#8217;s Knowledge, no person has been misled as to his or her rights under any Employee Plan. All obligations required to be performed by the Company and any of its Subsidiaries under any Employee Plan have been performed in all material
</P>
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respects and neither the Company nor any of its Subsidiaries is in default under or in violation of any provision of any Employee Plan in any material respect. To the Company&#8217;s Knowledge,
no event has occurred that would constitute grounds for an enforcement action by any party against the Company, any of its Subsidiaries or any fiduciary of any Employee Plan under part 5 of Title I of ERISA under any Employee Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) With respect to each &#8220;employee benefit plan&#8221; (as defined in ERISA) maintained or contributed to or required to
be contributed to, currently or within the last six years, by any corporation or trade or business, the employees of which, together with the employees of the Company and each of its Subsidiaries, are required to be treated as employed by a single
employer under any of the rules contained in ERISA or Code &#167; 414 (the &#8220;<U>Controlled Group Plans</U>&#8221;): </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Each Controlled Group Plan that is a &#8220;group health plan&#8221; (as defined in Code &#167; 5000(b)(1) and ERISA &#167;
733(a)) is, and at all times since March&nbsp;23, 2010, has been, in compliance in all respects with the Patient Protection and Affordable Care Act, Pub. L. <FONT STYLE="white-space:nowrap">No.&nbsp;111-148</FONT> (&#8220;<U>PPACA</U>&#8221;), the
Health Care and Education Reconciliation Act of 2010, Pub. L. <FONT STYLE="white-space:nowrap">No.&nbsp;111-152</FONT> (&#8220;<U>HCERA</U>&#8221;), and all regulations and guidance issued thereunder (collectively, with PPACA and HCERA, the
&#8220;<U>Healthcare Reform Laws</U>&#8221;), and no event has occurred, and no condition or circumstance exists, that could reasonably be expected to subject to subject the Company, any of its Subsidiaries or such Controlled Group Plan to penalties
or excise taxes under Code &#167;&#167; 4980D, 4980H or 4980I, or any other provision of the Healthcare Reform Laws; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) Except as set forth on <I><U>Confidential Schedule 3.28(g)</U></I>, there is no Controlled Group Plan that is a
&#8220;multiple employer plan&#8221; or &#8220;multiemployer plan&#8221; (as either such term is defined in ERISA), nor has there been any such plan under which the Company or any of its Subsidiaries had any liability in the last 5 years (or would
have had liability if notice had been given). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) Each such Controlled Group Plan is included in the listing of Employee
Plans on <I><U>Confidential Schedule 3.28(a)</U></I>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) Except as set forth on <I><U>Confidential Schedule
3.28(h)</U></I>, each Employee Plan that provides for health, dental, vision, life, disability or similar coverage is covered by one or more third-party insurance policies and neither the Company nor any of its Subsidiaries is liable for
self-insuring any such claims. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) Except as set forth on <I><U>Confidential Schedule 3.28(i)</U></I>, all Employee Plan
documents, annual reports or returns, audited, compiled or unaudited financial statements, actuarial valuations, summary annual reports, and summary plan descriptions issued with respect to the Employee Plans are correct, complete, and current in
all material respects, have been timely filed (including permissible extensions) or distributed to the extent required by Law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) Except as set forth on <I><U>Confidential Schedule 3.28(j)</U></I>, no Employee Plan holds any stock or other securities of
the Company or any of its Subsidiaries or provides the opportunity for the grant, purchase or contribution of any such security. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) Except as provided in <I><U>Confidential Schedule 3.28(k)</U></I>, the Company or any of its Subsidiaries may, at any time
amend or terminate any Employee Plan that it sponsors or maintains and may withdraw from any Employee Plan to which it contributes (but does not sponsor or maintain), without obtaining the consent of any third party, other than an insurance company
in the case of any benefit underwritten by an insurance company, and without incurring liability except for unpaid premiums or contributions due or accrued on or before the effective date of such amendment, withdrawal or termination and for
customary termination expenses. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) Except as provided in <I><U>Confidential Schedule 3.28(l)</U></I>, each
Employee Plan that is a &#8220;nonqualified deferred compensation plan&#8221; within the meaning of Code &#167;&nbsp;409A(d)(1) (a &#8220;<U>Nonqualified Deferred Compensation Plan</U>&#8221;) subject to Code &#167; 409A has (i)&nbsp;been maintained
and operated since January&nbsp;1,&nbsp;2005 (or, if later, from its inception) in good faith compliance with Code &#167; 409A of the Code and all applicable IRS regulations promulgated thereunder and, as to any such plan in existence prior to
January&nbsp;1, 2005, has not been &#8220;materially modified&#8221; (within the meaning of IRS Notice <FONT STYLE="white-space:nowrap">2005-1)</FONT> at any time after October&nbsp;3, 2004, or has been amended in a manner that conforms with the
requirements of Code &#167; 409A, and (ii)&nbsp;since January&nbsp;1,&nbsp;2011, been materially in documentary and operational compliance with Code &#167; 409A and all applicable IRS guidance promulgated thereunder. Except as provided in
<I><U>Confidential Schedule </U></I><I><U>3.28(l)</U></I>, no additional tax under Code &#167; 409A(a)(1)(B) has been or is reasonably expected to be incurred by a participant in any such Employee Plan or other contract, plan, program, agreement, or
arrangement. Neither the Company nor any of its Subsidiaries is a party to, or otherwise obligated under, any contract, agreement, plan or arrangement that provides for the <FONT STYLE="white-space:nowrap">gross-up</FONT> of taxes imposed by Code
&#167; 409A(a)(1)(B). No currently outstanding stock option or other right to acquire Company Stock or other equity security of the Company or any of its any of its Subsidiaries under any Employee Plan, or the payment of cash based on the value
thereof, (A)&nbsp;has, as to any employee of the Company or any of its Subsidiaries, an exercise price that was less than the fair market value of the underlying equity security as of the date such stock option or right was granted, as determined by
the Company in good faith and in compliance with the relevant IRS guidance in effect on the date of grant (including, IRS Notice <FONT STYLE="white-space:nowrap">2005-1</FONT> and &#167; <FONT STYLE="white-space:nowrap">1.409A-1</FONT> (b)(5)(iv) of
the Treasury regulations), (B)&nbsp;has any feature for the deferral of compensation other than the deferral of recognition of income until the later of exercise or disposition of such option or right, or (C)&nbsp;has been granted after
December&nbsp;31, 2004, with respect to any class of stock of the Company or any of its Subsidiaries that is not &#8220;service recipient stock&#8221; (within the meaning of applicable regulations under Code &#167; 409A). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) The ESOP is now, and has been at all times since its inception, in form, an &#8220;employee stock ownership plan&#8221;
within the meaning of Section&nbsp;4975(e)(7) of the Code and Section&nbsp;407(d)(6) of ERISA, which, in form, qualifies under Section&nbsp;401(a) of the Code. The trust which implements and forms a part of the ESOP is now, and, to the knowledge of
the Company, has been at all times since its inception, qualified under Section&nbsp;501(a) of the Code. The securities held by the ESOP constitute &#8220;employer securities&#8221; under Section&nbsp;407(d)(1) of ERISA and Section&nbsp;409(l) of
the Code and &#8220;qualifying employer securities&#8221; under Section&nbsp;407(d)(5) of ERISA and Section&nbsp;4975(e)(8) of the Code. A current favorable determination letter is in effect with respect to the ESOP. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) The ESOP complies, and has been administered and operated in compliance, in all material respects, with its terms and all
provisions of applicable Law. All amendments and actions required to bring the ESOP into conformity in all material respects with all applicable provisions of the Code, ERISA, and other applicable laws have been made or taken, except to the extent
that such amendments or actions are not required by law to be made or taken until a date after the Closing Date. As of the Closing Date, neither the Company nor any participant in the ESOP is or may be subject to liability by reason of
Section&nbsp;4979A of the Code. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) Neither the Company nor any &#8220;party in interest&#8221; or
&#8220;disqualified person&#8221; with respect to the ESOP has engaged in a &#8220;prohibited transaction&#8221; within the meaning of Section&nbsp;4975 of the Code or Section&nbsp;406 of ERISA that is not exempt under Section&nbsp;4975 of the Code
or Section 408 of ERISA. No fiduciary has any liability for breach of fiduciary duty or any other failure to act or comply in connection with the administration or investment of the assets of the ESOP. Except as provided in <I><U>Confidential
Schedule 3.28(o)</U></I>, neither the Company nor the ESOP are parties to any loan or financing transaction with respect to the ESOP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.29 <U>Obligations to Employees</U>. All accrued obligations and liabilities of the Company, each of its Subsidiaries and all
Employee Plans, for payments to trusts (including grantor trusts) or other funds, to any government agency or authority, or to any present or former director, officer, employee or agent (or his or her heirs, legatees or legal representatives) with
respect to any of the matters listed below have been timely paid (including permissible extensions) to the extent required by applicable Law or the terms of such plan, contract program, policy, or other governing instruments: (a)&nbsp;federal,
state, and local withholding and employment Taxes and unemployment compensation and (b)&nbsp;Employee Plans. To the extent that payment of any obligation or liability under any of the foregoing is not currently required, adequate actuarial accruals
and reserves for such payments have been and are being made by the Company or its Subsidiaries according to GAAP. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.30
<U>Investments</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company has delivered to Parent a complete list, as of June&nbsp;30, 2025, of all securities,
including investment securities (as defined in 12 C.F.R. &#167; 1.2(e)), owned by the Company and its Subsidiaries, and all such securities are owned by the Company or its Subsidiaries (i)&nbsp;of record, except those held in bearer form, and
(ii)&nbsp;beneficially, free and clear of all mortgages, liens, pledges and encumbrances, except to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of the Company or its Subsidiaries.
All of the securities owned, directly or indirectly, by the Company are permissible investments for a national banking association and are in material compliance with applicable Law. Other than the Company&#8217;s Subsidiaries, there are no entities
in which the Company owns 5% or more of the issued and outstanding voting securities. There are no voting trusts or other agreements or understandings with respect to the voting of any of the securities in the Company&#8217;s securities portfolio.
Except for investments in FHLB stock, Federal Reserve Bank of Chicago stock, and the Bank Term Funding Program and pledges to secure FHLB or Federal Reserve Bank of Chicago borrowings and reverse repurchase agreements entered into in <FONT
STYLE="white-space:nowrap">arm&#8217;s-length</FONT> transactions pursuant to normal commercial terms and conditions and entered into in the ordinary course of business and restrictions that exist for securities to be classified as &#8220;held to
maturity,&#8221; none of the investment securities held by Company or any of its Subsidiaries is subject to any restriction (contractual or statutory) that would materially impair the ability of the entity holding such investment to freely dispose
of such investment at any time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each of the Company and its Subsidiaries has good title to all securities and
commodities owned by it (except those sold under repurchase agreements), free and clear of any Lien, except to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of the Company or its
Subsidiaries. Such securities and commodities are valued and reflected on the books of the Company and its Subsidiaries in accordance with GAAP in all material respects. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company and its Subsidiaries and their respective businesses employ investment, securities, commodities, risk
management and other policies, practices and procedures that the Company believes are reasonable in the context of such businesses. Prior to the date of this Agreement, the Company has made available to Parent the material terms of such policies,
practices and procedures. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.31 <U>Interest Rate Risk Management Instruments</U>. Except for interest rate
caps and floors contained in loan documents for Loans in the ordinary course of business, neither the Company nor any of its Subsidiaries has any interest rate swaps, caps, floors and option agreements and other interest rate risk management
arrangements, whether entered into for the account of the Company or any of its Subsidiaries or for the account of a customer of the Company or any of its Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.32 <U>SEC Documents; Other Reports; Internal Controls</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company has filed all required reports, forms, schedules, registration statements and other documents with the SEC
since June&nbsp;30, 2022 (the &#8220;<U>Company Reports</U>&#8221;) and, to the Knowledge of Company, has paid all associated fees and assessments due and payable. As of their respective dates of filing with the SEC (or, if amended or superseded by
a subsequent filing, as of the date of that subsequent filing), the Company Reports complied as to form in all material respects with the requirements of the Securities Act or the Exchange Act, as the case may be, and the rules and regulations of
the SEC applicable to such Company Reports, and none of the Company Reports when filed with the SEC, and if amended, as of the date of the amendment, contained any untrue statement of a material fact or omitted to state a material fact required to
be stated or necessary to make the statements, in light of the circumstances under which they were made, not misleading. There are no outstanding comments from or unresolved issues raised by the SEC, as applicable, with respect to any of the Company
Reports. None of Company&#8217;s Subsidiaries is required to file periodic reports with the SEC pursuant to Section&nbsp;13 or 15(d) of the Exchange Act. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Company and each of its Subsidiaries have timely filed all reports, forms, schedules, registrations, statements and other
documents, together with any amendments, that they were required to file since June&nbsp;30, 2022 with any Governmental Entity (other than Company Reports) and have paid all fees and assessments due and payable in connection with any filings Company
was required to make. Subject to <U>Section</U><U></U><U>&nbsp;5.06</U> of this Agreement, except for normal examinations conducted by a Governmental Entity in the regular course of the business of Company and its Subsidiaries, no Governmental
Entity has notified Company that it has initiated any proceeding or, to Company&#8217;s Knowledge, threatened any investigation into the business or operations of Company or any of its Subsidiaries since June&nbsp;30, 2022. Subject to
<U>Section</U><U></U><U>&nbsp;5.06</U> of this Agreement, there is no material unresolved violation or exception alleged by any Governmental Entity with respect to any report, form, schedule, registration, statement or other document filed by, or
relating to any examinations by any such Governmental Entity of, Company or any of its Subsidiaries. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Based on its most
recent evaluation prior to the date of this Agreement, Company has not had to disclose to Company&#8217;s outside auditors and the audit committee of Company&#8217;s board of directors (i)&nbsp;any significant deficiencies or material weaknesses in
the design or operation of internal control over financial reporting which are reasonably likely to adversely affect in any material respect Company&#8217;s ability to record, process, summarize, and report financial information and (ii)&nbsp;any
fraud, whether or not material, that involves management or other employees who have a significant role in Company&#8217;s internal controls over financial reporting. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The records, systems, controls, data and information of Company and its Subsidiaries are recorded, stored, maintained and
operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Company or its Subsidiaries or accountants (including all means of access
to them), except for any <FONT STYLE="white-space:nowrap">non-exclusive</FONT> ownership and <FONT STYLE="white-space:nowrap">non-direct</FONT> control that would not reasonably be expected to have a Material Adverse Change on the system of internal
accounting controls described in the following sentence. Company and its Subsidiaries have devised and maintained and currently maintain a system of internal accounting controls sufficient to provide reasonable assurances regarding the reliability
of financial reporting and the preparation of financial statements in accordance with GAAP. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Company has implemented and maintained and currently maintains
disclosure controls and procedures (within the meaning of Rules <FONT STYLE="white-space:nowrap">13a-15(e)</FONT> and <FONT STYLE="white-space:nowrap">15d-15(e)</FONT> of the Exchange Act) designed to ensure that material information relating to
Company and its Subsidiaries is made known to the management of Company by others within those entities as appropriate to allow timely decisions regarding required disclosure and to make the certifications required by the Exchange Act with respect
to the Company Reports. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) Since June&nbsp;30, 2022, (x) neither Company nor any of its Subsidiaries nor, to
Company&#8217;s Knowledge, any director, officer, employee, auditor, accountant or representative of Company or any of its Subsidiaries, has received or otherwise had or obtained knowledge of any material complaint, allegation, assertion or claim
regarding the accounting or auditing practices, procedures, methodologies or methods of Company or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion or claim that
Company or any of its Subsidiaries has engaged in inappropriate accounting or auditing practices, and (y)&nbsp;no attorney representing Company or any of its Subsidiaries, whether or not employed by Company or any of its Subsidiaries, has reported
evidence of a material violation of securities Laws, breach of fiduciary duties or similar violation by Company or any of its officers, directors, employees, or agents to the board of directors of Company or any committee of the board of directors
or, to Company&#8217;s Knowledge, to any director or officer of Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.33 <U>Information Technology;
Security</U><U></U><U>&nbsp;&amp; Privacy</U>. To the Company&#8217;s Knowledge, all information technology and computer systems and services (including software, information technology and telecommunication hardware and other equipment) relating to
the transmission, storage, maintenance, organization, presentation, generation, processing or analysis of data and information, whether or not in electronic format, used in or necessary to the conduct of the Company&#8217;s and its Subsidiaries
businesses (collectively, &#8220;<U>Company IT Systems</U>&#8221;) have been properly maintained by technically competent personnel, in accordance with standards set by the manufacturers or otherwise in accordance with standards prudent in the
industry (including strong passwords), to ensure proper operation, monitoring and use. The Company IT Systems are in material compliance with regulatory standards and guidelines as required by applicable Law. The Company and its Subsidiaries have
commercially reasonable disaster recovery plans, procedures and facilities for their business and have taken commercially reasonable steps to safeguard Company IT Systems. Company IT Systems are in good working condition to effectively perform all
information technology operations necessary to conduct consolidated business. Neither the Company nor its Subsidiaries have experienced since January&nbsp;1, 2020 any material disruption to, or material interruption in, its conduct of its business
attributable to a defect, bug, breakdown, cyber or security breach or other failure or deficiency of the Company IT Systems. The Company has taken reasonable measures to provide for the backup and recovery of the data and information necessary to
the conduct of their businesses (including such data and information that is stored on magnetic or optical media in the ordinary course) without material disruption to, or material interruption in, the conduct of their respective businesses. The
Company and its Subsidiaries are not in breach of any material contract related to any Company IT Systems. To the Knowledge of the Company, the Company and its Subsidiaries have at all times complied in all material respects with all applicable
legal requirements (including but not limited to all regulatory standards and guidelines) relating to privacy, data protection and the collection and use of personal information gathered or accessed in the course of the operations of the Company and
its Subsidiaries. The Company and its Subsidiaries have at all times complied in all material respects with all rules, policies and procedures established by the Company and its Subsidiaries from time to time with respect to the foregoing. No claims
are pending and, to its Knowledge, no claims have been asserted or threatened against the Company or its </P>
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Subsidiaries nor does the Company have reason to believe that any such claims are likely to be asserted or threatened against the Company or its Subsidiaries by any Person alleging a violation of
such Person&#8217;s privacy, personal or confidentiality rights under any such applicable legal requirements, policies or procedures. The consummation of the Merger and the other transactions contemplated hereby shall not breach or otherwise cause
any violation of any such applicable legal requirements, policies or procedures. With respect to all personal information described herein, the Company and its Subsidiaries have taken all steps reasonably necessary (including implementing and
monitoring compliance with measures with respect to technical and physical security) to protect the information in a manner consistent with the applicable legal requirements, policies or procedures referred to herein. To the Knowledge of the
Company, there has been no unauthorized access to or other misuse of that information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.34 <U>Community Reinvestment
Act</U>. The Bank is in material compliance with the Community Reinvestment Act (&#8220;<U>CRA</U>&#8221;) and all regulations issued thereunder. The Bank has a rating of &#8220;satisfactory&#8221; as of its most recent CRA compliance examination,
and the Company has no Knowledge of any reason why the Bank would not receive a rating of &#8220;satisfactory&#8221; or better in its next CRA compliance examination or why OCC or any other governmental entity may seek to restrain, delay or prohibit
the transactions contemplated hereby as a result of any act or omission of the Bank under the CRA. Neither the Company nor the Bank is a party to any agreement relating to CRA matters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.35 <U>Usury Laws and Other Consumer Compliance Laws</U>. All loans of the Bank have been made in material compliance with all
applicable statutes and regulatory requirements at the time of such loan or any renewal thereof, including any Illinois usury statutes applicable to the Bank as they are interpreted as of the date of this Agreement, Regulation Z issued by the
Federal Reserve, the Federal Consumer Credit Protection Act and all statutes and regulations governing the operation of banks chartered under the Laws of the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.36 <U>Fair Housing Act, Home Mortgage Disclosure Act, Equal Credit Opportunity Act and other Banking Laws</U>. The Bank is in
material compliance with the Fair Housing Act (42 U.S.C. &#167;&nbsp;3601 <I>et seq.</I>), the Home Mortgage Disclosure Act (12 U.S.C. &#167; 2801 <I>et seq.</I>), the Equal Credit Opportunity Act (15 U.S.C. &#167; 1691 <I>et seq.</I>), and all
other laws applicable to its business or employees conducting its business and all regulations issued thereunder. The Bank has not received any notice of any violation of those acts or any of the regulations issued thereunder, and the Bank has not
received any notice of, nor has any Knowledge of, any threatened administrative inquiry, proceeding or investigation with respect to the Bank&#8217;s <FONT STYLE="white-space:nowrap">non-compliance</FONT> with such acts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.37 <U>Bank Secrecy Act, Foreign Corrupt Practices Act and U.S.A</U><U>. Patriot Act</U>. The Bank is in material compliance
with the Bank Secrecy Act (12 U.S.C. &#167;&#167; 1730(d) and 1829(b)), the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and Anti-Terrorist Financing Act, otherwise known as the &#8220;U.S.A. Patriot
Act,&#8221; and all regulations issued thereunder, and the Bank has properly certified foreign deposit accounts and has made necessary tax withholdings on its deposit accounts; furthermore, the Bank has timely and properly filed and maintained
requisite &#8220;Currency Transaction Reports&#8221; and other related forms, including requisite &#8220;Custom Reports&#8221; required by any agency of the United States Treasury Department, including the IRS, in all cases in material compliance
with the applicable laws and regulations. The Bank has timely filed Suspicious Activity Reports with the Financial Institutions - Financial Crimes Enforcement Network (U.S. Department of the Treasury) required to be filed by it under the laws and
regulations referenced in this <U>Section</U><U></U><U>&nbsp;3.37</U> in material compliance with the applicable laws and regulations. The Bank is in satisfactory compliance with the applicable privacy of customer information requirements contained
in any federal and state privacy Laws, including, without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and its implementing regulations, as well as the provisions of the information security program adopted by the Bank pursuant to
Appendix B to 12 C.F.R. Part 364. Furthermore, the board of directors of the Bank has adopted and the Bank has implemented </P>
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an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that has not been deemed ineffective by any Governmental Entity and that
meets the requirements of Sections 352 and 326 of the USA PATRIOT Act. The Bank has implemented a program with respect to the beneficial ownership requirements set forth in the final rule on Customer Due Diligence Requirements for Financial
Institutions found in 81 Federal Register 29397 (July 11, 2016) and 31 C.F.R. &#167;&nbsp;1010 et seq. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.38 <U>Unfair,
Deceptive or Abusive Acts or Practices</U>. To the Company&#8217;s Knowledge, neither the Company nor any of its Subsidiaries has engaged in any unfair, deceptive or abusive acts or practices, as such terms are defined under Section&nbsp;1031 of the
Dodd-Frank Wall Street Reform and Consumer Protection Act (the &#8220;<U>Dodd-Frank Act</U>&#8221;). There are no allegations, claims or disputes to which the Company or any of its Subsidiaries is a party that allege, or to the Knowledge of the
Company, no Person has threatened to allege, that the Company or any of its Subsidiaries has engaged in any unfair or deceptive acts or practices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.39 <U>Agreements Between the Company and its Subsidiaries; Claims</U>. Except as set forth on <I><U>Confidential Schedule
3.39</U></I>, there are no written or oral agreements or understandings between the Company and any of its Subsidiaries. All past courses of dealings between the Company and each of its Subsidiaries have been conducted in the ordinary course of
business, on <FONT STYLE="white-space:nowrap">arm&#8217;s-length</FONT> terms consistent with applicable Law. The Company has no Knowledge of any claims that the Company has against any of its Subsidiaries or of any facts or circumstances that would
give rise to any such Claim. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.40 <U>Mortgage Loan Matters</U>. Except as set forth on <I><U>Company Disclosure Schedule
3.40</U></I>, at all times while Company and its Subsidiaries have been originating and servicing qualified and <FONT STYLE="white-space:nowrap">non-qualified</FONT> (i.e., not for sale to any public government-sponsored enterprise) residential
mortgage loans (collectively, the &#8220;<U>Mortgage Loans</U>&#8221;), each of the Company and its Subsidiaries: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) has
had all licenses necessary to carry on its business as conducted and has been licensed, qualified and in good standing in the states where each Mortgaged Property is and has been located if the laws of such state require licensing or qualification
in order to conduct business of the type conducted by it; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) has had in place policies and procedures governing the
origination of&nbsp;Mortgage Loans, including, but not limited to,&nbsp;with respect to the ability to repay, analysis of gift letters and evaluation of financial statements from borrowers, use of third party brokers, and independent quality
control, and has been in compliance with such policies and procedures in all material respects; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) has utilized
origination, collection and servicing practices with respect to the Mortgage Loans that have been in all material respects legal, in compliance with all applicable Laws, and customary in the mortgage origination and servicing industry, and the
collection and servicing practices have been consistent with Customary Servicing Procedures; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) to the Knowledge of the
Company, has not been the subject of allegations of material failure to comply with applicable loan origination, servicing or claims procedures, in its most recent audits (if any); and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) has had in full force and effect an adequate errors and omissions policy or policies with respect to its origination and
servicing operations and a standard mortgage banker&#8217;s blanket bond. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.41 <U>Representations Not Misleading</U>. No representation or warranty by
the Company contained in this Agreement, nor any exhibit or schedule furnished to Parent by the Company under and pursuant to this Agreement, contains any untrue statement of a material fact or omits to state a material fact necessary to make the
statements contained herein or therein, in light of the circumstances under which it was or shall be made, not misleading and such representations and warranties would continue to be true and correct following disclosure to any Governmental Entity
having jurisdiction over the Company or its properties of the facts and circumstances upon which they were based. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.42
<U>State Takeover Laws</U>. The Company Board has approved this Agreement and the transactions contemplated hereby as required to render inapplicable to such agreements and transactions any applicable provisions of the takeover Laws of any state,
including any &#8220;moratorium,&#8221; &#8220;control share,&#8221; &#8220;fair price,&#8221; &#8220;takeover&#8221; or &#8220;interested shareholder&#8221; Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.43 <U>Company Information</U>. None of the information included by the Company in its Proxy Statement, or in any other
application, notification or other document filed with any Regulatory Agency or other Governmental Entity in connection with the transactions contemplated by this Agreement, in each case or any amendment or supplement thereto shall, at the time the
Proxy Statement or any such supplement or amendment thereto is first mailed to the shareholders of Company or at the time Company shareholders vote on the matters constituting the Requisite Company Approval, or at the time any such other
applications, notifications or other documents or any such amendments or supplements thereto are so filed, as the case may be, contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements
therein, in light of the circumstances under which they were made, not misleading. No representation or warranty is made by the Company in this <U>Section</U><U></U><U>&nbsp;3.43</U> with respect to statements made therein based on information
supplied by Parent in writing expressly for inclusion in the Proxy Statement or such other applications, notifications or other documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.44 <U>Opinion of Financial Advisor</U>. Prior to the execution of this Agreement, the Company Board has received an opinion
(which, if initially rendered verbally, has been or shall be confirmed in a written opinion, dated the same date) from Keefe, Bruyette&nbsp;&amp; Woods, Inc., to the effect that, as of the date thereof, and based upon and subject to the factors,
assumptions and limitations set forth therein, the Total Cash Consideration pursuant to this Agreement is fair, from a financial point of view, to the holders of Company Stock, collectively as a group. Such opinion has not been amended or rescinded
in any material respect as of the date of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.45 <U>Brokerage Fees and Commissions</U>. Except as set forth on
<I><U>Confidential Schedule 3.45</U></I>, no agent, representative or broker has represented the Company in connection with the transactions described in this Agreement. Parent shall not have any responsibility or liability for any fees, expenses or
commissions payable to any agent, representative or broker of the Company or any shareholder of the Company, and the Company hereby agrees to indemnify and hold Parent harmless for any amounts owed to any agent, representative or broker of the
Company or any shareholder of the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.46 <U>Cannabis-Related Businesses</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Other than in respect of the Bank&#8217;s customer relationships with the Persons set forth on <I><U>Confidential Schedule
3.46(a)</U></I><I>, </I>to the Company&#8217;s Knowledge, the Bank does not accept deposits from, has not originated any Loan to and does not otherwise transact business with any Person engaged in (a)&nbsp;the manufacture, production, distribution,
sale, or other dispensation of marijuana, tetrahydrocannabinol (THC), or other cannabis or cannabis-derived products that are Schedule I controlled substances under the Controlled Substances Act (&#8220;<U>Marijuana Business</U>&#8221;) or
(b)&nbsp;the manufacture, processing, sale, or purchase of cannabis or cannabis-derived products, all of which are not controlled substances under the Controlled Substances Act (&#8220;<U>Hemp Business</U>&#8221; and, together with Marijuana
Business, &#8220;<U>Cannabis Business</U>&#8221;). </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) To the Company&#8217;s Knowledge, no borrower under any Loan (i)&nbsp;is
engaged in a Cannabis Business or (ii)&nbsp;leases any Assets to any Person engaged in a Cannabis Business, in each case other than those Cannabis Businesses listed on <I><U>Confidential Schedule 3.46(b)</U></I>. To the Company&#8217;s Knowledge,
any Cannabis Business which the Bank services, (x)&nbsp;is operated in compliance with, applicable Laws (for purposes of the Company representation set forth in this <U>Section</U><U></U><U>&nbsp;3.46(b)</U>, and solely in respect of any Marijuana
Business, the term &#8220;Laws&#8221; being understood to exclude the Controlled Substances Act and any regulations or guidance issued thereunder), and (y)&nbsp;has not received a warning letter from and is not the subject of any compliance action
initiated by the Federal Drug Administration, the Federal Trade Commission or any other Governmental Entity. To the Company&#8217;s Knowledge, the Bank has timely and properly filed all mandatory Suspicious Activity Reports related to any Cannabis
Business and has complied with applicable Law and guidance from any Governmental Entity related to servicing Cannabis Businesses or related entities or customers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;3.47 <U>No Other Representations or Warranties</U>. Except as expressly set forth in <U>Article III</U> of this Agreement, none
of the Company, its Subsidiaries or any other Person is making or has made, and none of them shall have liability in respect of, any written or oral representation or warranty, express or implied, at Law, in equity or otherwise, with respect to the
Company or any of its Subsidiaries or otherwise, in respect of this Agreement or the transactions contemplated thereby, or in respect of any other matter whatsoever. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REPRESENTATIONS AND WARRANTIES OF PARENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as disclosed in the disclosure schedules delivered by Parent to the Company prior to the execution hereof (the &#8220;<U>Parent
Disclosure Schedules</U>&#8221;); <I>provided</I>, that (a)&nbsp;no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue
or incorrect, (b)&nbsp;the mere inclusion of an item in the Parent Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by Parent that such item represents a material exception or fact, event or
circumstance or that such item is reasonably likely to result in a Material Adverse Change, and (c)&nbsp;any disclosures made with respect to a section of this <U>Article IV</U> shall be deemed to qualify (1)&nbsp;any other section of this
<U>Article IV</U> specifically referenced or cross-referenced, and (2)&nbsp;other sections of this <U>Article IV</U> to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross reference) from a reading of
the disclosure that such disclosure applies to such other sections, Parent hereby represents and warrants to the Company as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.01 <U>Organization and Qualification</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Parent is a corporation duly organized, validly existing and in good standing under the laws of the State of Arizona.
Parent has the corporate power and authority (including all licenses, franchises, permits and other governmental authorizations as are legally required) to carry on its business as now being conducted, to own, lease and operate its properties and
assets as now owned, leased or operated and to enter into and carry out its obligations under this Agreement. True and complete copies of the articles of incorporation and bylaws of Parent, as amended to date, have been made available to the
Company. Except for Servbank and, upon its formation, Merger Sub, Parent does not own or control any Affiliate or Subsidiary. The nature of the business of Parent and its activities do not require it to be qualified to do business in any
jurisdiction other than the </P>
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State of Arizona. The nature of the business of Parent is duly licensed or qualified to do business in the State of Arizona. Parent has no equity interest, direct or indirect, in any other bank
or corporation or in any partnership, joint venture or other business enterprise or entity, or as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary capacity, and the business
carried on by Parent has not been conducted through any other direct or indirect Subsidiary or Affiliate of Parent. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
Servbank is a national banking association, duly formed and validly existing and in good standing under all laws, rules, and regulations of the United States of America. Servbank has all requisite corporate power and authority (including all
licenses, franchises, permits and other governmental authorizations as are legally required) to carry on its business as now being conducted, to own, lease and operate its properties and assets as now owned, leased or operated and to enter into and
to carry on the business and activities now conducted by it. True and complete copies of the charter and bylaws of Servbank, as amended to date, certified by an officer of Servbank have been made available to the Company. Servbank is an insured bank
as defined in the FDIA, the deposit accounts of Servbank are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted by law, and all premiums and assessments due and owing as of the date of this Agreement required in
connection therewith have been paid by Servbank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.02 <U>Authority; Execution and Delivery</U>. Parent has the full
corporate power and authority to execute and deliver this Agreement and to consummate the transactions contemplated herein. The execution and delivery of this Agreement and the consummation of the Merger have been duly and validly approved by the
Parent Board. Parent has taken all action necessary to authorize the execution, delivery and (provided the required regulatory and shareholder approvals are obtained) performance of this Agreement and the other agreements and documents contemplated
hereby to which it is a party. This Agreement has been, and the other agreements and documents contemplated hereby, have been or at Closing shall be, duly executed by Parent, and each constitutes the legal, valid and binding obligation of Parent,
enforceable in accordance with its respective terms and conditions, except as enforceability may be limited by the Bankruptcy Exception. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.03 <U>Compliance with Laws, Permits and Instruments</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each of Parent and Servbank has in all material respects performed and abided by all obligations required to be performed
by it to the date hereof, and has complied with, and is in compliance with, and is not in default (and with the giving of notice or the passage of time shall not be in default) under, or in violation of, (i)&nbsp;any provision of the articles of
incorporation or the bylaws of Parent or the charter or bylaws of Servbank (collectively referred to as the &#8220;<U>Parent Organizational Documents</U>&#8221;); (ii)&nbsp;any material provision of any mortgage, indenture, lease, contract,
agreement or other instrument applicable to Parent, Servbank, or their respective assets, operations, properties or businesses; or (iii)&nbsp;any material permit, concession, grant, franchise, license, authorization, judgment, writ, injunction,
order, decree, award, statute, federal, state or local law, ordinance, rule or regulation of any court, arbitrator or any federal, state, municipal or other governmental department, commission, board, bureau, agency or instrumentality applicable to
Parent, Servbank, or their respective assets, operations, properties or businesses. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The execution, delivery and
(provided the required regulatory and shareholder approvals are obtained) performance of this Agreement and the other agreements contemplated hereby, and the completion of the transactions contemplated hereby and thereby shall not conflict with, or
result, by itself or with the giving of notice or the passage of time, in any violation of or default or loss of a benefit under, (i)&nbsp;the Parent Organizational Documents, (ii)&nbsp;any material mortgage, indenture, lease, contract, agreement or
other instrument applicable to Parent, Servbank, </P>
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or their respective assets, operations, properties or businesses or (iii)&nbsp;any material permit, concession, grant, franchise, license, authorization, judgment, writ, injunction, order,
decree, statute, law, ordinance, rule or regulation applicable to Parent, Servbank, or their respective assets, operations, properties or businesses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.04 <U>Litigation</U>. There are no material actions, claims, suits, investigations, reviews or other legal or administrative
proceedings of any kind or nature now pending against or affecting Parent or Servbank at law or in equity, or by or before any federal, state or municipal court or other governmental or administrative department, commission, board, bureau, agency or
instrumentality, that in any manner involve Parent or Servbank or any of their properties or capital stock. To Parent&#8217;s Knowledge, there are no material actions, claims, suits, investigations, reviews or other legal or administrative
proceedings of any kind or nature threatened against Parent or Servbank, and Parent has no Knowledge of any basis for the same. No legal action, suit or proceeding or judicial, administrative or governmental investigation is pending or, to
Parent&#8217;s Knowledge, threatened against Parent or Servbank that questions or might question the validity of this Agreement or the agreements contemplated hereby, or any actions taken or to be taken by Parent or Servbank pursuant hereto or
thereto or seeks to enjoin or otherwise restrain the transactions contemplated hereby or thereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.05 <U>Consents and
Approvals</U>. Except with respect to the receipt of all required regulatory approvals, no approval, consent, order or authorization of, or registration, declaration or filing with, any governmental authority or other third party is required on the
part of Parent or Servbank in connection with the execution, delivery or performance of this Agreement or the agreements contemplated hereby, or the completion by Parent or Servbank of the transactions contemplated hereby or thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.06 <U>Regulatory Compliance</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) All reports, records, registrations, statements, notices and other documents or information required to be filed by Parent
and its Subsidiaries with any federal or state regulatory authority, including those required to be filed under any administrative action, have been duly and timely filed and all information and data contained in such reports, records or other
documents are true, accurate, correct and complete in all material respects. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Neither Parent nor any of its
Subsidiaries is now or has been within the last five (5)&nbsp;years subject to any administrative action, and to the Knowledge of Parent no such regulatory bodies have any present intent to place Parent or its Subsidiaries under any such
administrative action. There (i)&nbsp;is no unresolved violation or apparent violation alleged by any Regulatory Agency with respect to any written report or statement relating to any examinations or inspections of Parent or any of its Subsidiaries
or any administrative action, and (ii)&nbsp;are no formal or informal inquires by (other than in the ordinary course of routine regulatory examinations and visitations), or disagreements or disputes with, any regulatory body with respect to the
business, operations, policies or procedures of Parent or any of its Subsidiaries. Parent and its Subsidiaries have fully reserved for any fines, penalties, restitution or other payments, if any, required under or pursuant to any administrative
action. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) There are no actions or proceedings pending or threatened against Parent or its Subsidiaries by or before any
such regulatory bodies or any other nation, state or subdivision thereof, or any other entity exercising executive, legislative, judicial, regulatory or administrative functions of or pertaining to government. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Each of Parent and Servbank is &#8220;well capitalized&#8221; (as that
term is defined in 12 C.F.R. &#167; 6.4(b)(1)), and &#8220;well managed&#8221; (as that term is defined is 12 C.F.R. &#167; 5.3). Parent has no Knowledge of any fact or circumstance that is reasonably likely to materially delay receipt of, impede or
impose a Materially Burdensome Regulatory Condition on any required regulatory approval of the Merger. Notwithstanding the foregoing, Parent and Servbank shall not be required to take any action in this Agreement that would cause it to violate any
applicable law or regulation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.07 <U>Community Reinvestment Act</U>. Servbank is in material compliance with the CRA and
all regulations issued thereunder. Servbank has a rating of &#8220;satisfactory&#8221; as of its most recent CRA compliance examination, and Parent has no Knowledge of any reason why Servbank would not receive a rating of &#8220;satisfactory&#8221;
or better in its next CRA compliance examination or why OCC or any other governmental entity may seek to restrain, delay or prohibit the transactions contemplated hereby as a result of any act or omission of Servbank under the CRA. Neither Parent
nor Servbank is a party to any agreement relating to CRA matters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.08 <U>Fair Housing Act, Home Mortgage Disclosure Act,
Equal Credit Opportunity Act and other Banking Laws</U>. Servbank is in material compliance with the Fair Housing Act (42 U.S.C. &#167;&nbsp;3601 <I>et seq.</I>), the Home Mortgage Disclosure Act (12 U.S.C. &#167; 2801 <I>et seq.</I>), the Equal
Credit Opportunity Act (15 U.S.C. &#167; 1691 <I>et seq.</I>), and all other laws applicable to its business or employees conducting its business and all regulations issued thereunder. Servbank has not received any notice of any violation of those
acts or any of the regulations issued thereunder, and Servbank has not received any notice of, nor has any Knowledge of, any threatened administrative inquiry, proceeding or investigation with respect to Servbank&#8217;s <FONT
STYLE="white-space:nowrap">non-compliance</FONT> with such acts. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.09 <U>Bank Secrecy Act, Foreign Corrupt Practices Act and
U.S.A</U><U>. Patriot Act</U>. Servbank is in material compliance with the Bank Secrecy Act (12 U.S.C. &#167;&#167; 1730(d) and 1829(b)), the United States Foreign Corrupt Practices Act and the International Money Laundering Abatement and
Anti-Terrorist Financing Act, otherwise known as the &#8220;U.S.A. Patriot Act,&#8221; and all regulations issued thereunder, and Servbank has properly certified foreign deposit accounts and has made necessary tax withholdings on its deposit
accounts; furthermore, Servbank has timely and properly filed and maintained requisite &#8220;Currency Transaction Reports&#8221; and other related forms, including requisite &#8220;Custom Reports&#8221; required by any agency of the United States
Treasury Department, including the IRS, in all cases in material compliance with the applicable laws and regulations. Servbank has timely filed Suspicious Activity Reports with the Financial Institutions - Financial Crimes Enforcement Network (U.S.
Department of the Treasury) required to be filed by it under the laws and regulations referenced in this <U>Section</U><U></U><U>&nbsp;4.09</U> in material compliance with the applicable laws and regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.10 <U>Representations Not Misleading</U>. No representation or warranty by Parent contained in this Agreement, nor any exhibit
or schedule furnished to the Company by Parent under and pursuant to this Agreement, contains any untrue statement of a material fact or omits to state a material fact necessary to make the statements contained herein or therein, in light of the
circumstances under which it was or shall be made, not misleading and such representations and warranties would continue to be true and correct following disclosure to any Governmental Entity having jurisdiction over Parent or their properties of
the facts and circumstances upon which they were based. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.11 <U>State Takeover Laws</U>. The Parent Board has approved this
Agreement and the transactions contemplated hereby as required to render inapplicable to such agreements and transactions any applicable provisions of the takeover Laws of any state, including any &#8220;moratorium,&#8221; &#8220;control
share,&#8221; &#8220;fair price,&#8221; &#8220;takeover&#8221; or &#8220;interested shareholder&#8221; Law. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.12 <U>Parent Information</U>. None of the information supplied or to be
supplied by Parent for inclusion in the Proxy Statement, or in any other application, notification or other document filed with any Regulatory Agency or other Governmental Entity in connection with the transactions contemplated by this Agreement, in
each case or any amendment or supplement thereto shall, at the time the Proxy Statement or any such supplement or amendment thereto is first mailed to the shareholders of Company or at the time Company shareholders vote on the matters constituting
the Requisite Company Approval, or at the time any such other applications, notifications or other documents or any such amendments or supplements thereto are so filed, as the case may be, contain any untrue statement of a material fact or omit to
state a material fact necessary in order to make the statements therein, in light of the circumstances under which they were made, not misleading. No representation or warranty is made by Parent in this <U>Section</U><U></U><U>&nbsp;4.12</U> with
respect to statements made therein based on information supplied by the Company in writing expressly for inclusion in the Proxy Statement or such other applications, notifications or other documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.13 <U>Reserved</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.14 <U>Vote/Approval Required</U>. No vote or consent of the holders of the Parent Common Stock is necessary to approve this
Agreement or the transactions contemplated hereby. The vote or consent of the Parent as the sole shareholder of Merger Sub is the only consent of the holders of any class or series of capital stock of Merger Sub necessary to approve this Agreement
or the transactions contemplated hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.15 <U>Brokerage Fees and Commissions</U>. Except as set forth in
<I><U>Confidential Schedule 4.15</U></I><I>, </I>no agent, representative or broker has represented Parent in connection with the transactions described in this Agreement. The Company shall not have any responsibility or liability for any fees,
expenses or commissions payable to any agent, representative or broker of Parent and Parent hereby agrees to indemnify and hold the Company harmless for any amounts owed to any agent, representative or broker of Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.16 <U>Financing</U>. Parent and Servbank have, and shall have as of the Closing Date, sufficient financing available for it to
pay the Merger Consideration as contemplated hereby, and to satisfy all of its other obligations under this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.17
<U>Benefits</U><I>. </I>All employee benefit plans of Parent or any of Parent&#8217;s Subsidiaries have been established, operated and administered in all material respects accordance with all applicable laws, including the Code and ERISA. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.18 <U>Financial Statements and Internal Controls</U>. Parent has furnished to the Company true and complete copies of
(i)&nbsp;the audited consolidated financial statements of Parent and its Subsidiaries as of December&nbsp;31, 2024, together with all related notes and schedules thereto, accompanied by the reports thereon of the Parent&#8217;s independent auditors
for the years ended as of such dates, and (ii)&nbsp;the unaudited interim consolidated financial statements of Parent as of the end of each calendar quarter following December&nbsp;31, 2024, together with all related notes and schedules thereto
(collectively, &#8220;<U>Parent Financial Statements</U>&#8221;). The Parent Financial Statements (including the related notes) have been prepared according to GAAP applied on a consistent basis during the periods and at the dates involved (except
as may be indicated in the notes thereto), fairly present, in all material respects, the financial condition of the Parent and its Subsidiaries, as applicable, at the dates thereof and the results of operations and cash flows for the periods then
ended (subject, in the case of unaudited statements, to notes and normal <FONT STYLE="white-space:nowrap">year-end</FONT> adjustments that were not material in amount or effect), and the accounting records underlying the Parent Financial Statements
accurately and fairly reflect in all material respects the transactions of Parent. The Parent Financial Statements do not contain any items of extraordinary or nonrecurring income or any other income not earned in the ordinary course of business
except as expressly specified therein. Based on its most recent evaluation prior to the date of this Agreement, Parent has not had to disclose to Parent&#8217;s outside auditors and the audit committee of Parent&#8217;s board of directors
(i)&nbsp;any significant deficiencies or material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect in any material respect Parent&#8217;s ability to record, process,
summarize, and report financial information and (ii)&nbsp;any fraud, whether or not material, that involves management or other employees who have a significant role in Parent&#8217;s internal controls over financial reporting. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;4.19 <U>No Other Representations or Warranties</U>. Except as expressly set
forth in this Agreement, none of Parent, its Subsidiaries, or any other Person is making or has made, and none of them shall have liability in respect of, any written or oral representation or warranty, express or implied, at Law, in equity or
otherwise, with respect to Parent or any of its Subsidiaries, or otherwise, and whether express or implied, at Law, in equity or otherwise, in respect of this Agreement or the transactions contemplated thereby, or in respect of any other matter
whatsoever. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COVENANTS OF THE COMPANY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.01 <U>Commercially Reasonable Efforts</U>. During the period from the date of this Agreement and continuing until the Effective
Time or earlier termination of this Agreement, the Company agrees as to itself and its Subsidiaries that, except as expressly permitted by this Agreement, required by law or to the extent that Parent shall otherwise consent in writing (which consent
shall not be unreasonably or untimely withheld), the Company shall, and shall cause its Subsidiaries to, (a)&nbsp;conduct their respective businesses in the ordinary course consistent with past practices, (b)&nbsp;use all commercially reasonable
efforts to (i)&nbsp;maintain and preserve intact its business organization, (ii)&nbsp;maintain their rights, franchises, licenses and other authorizations by Government Entities (iii)&nbsp;preserve their relationships with directors, executive
officers, key employees, customers, suppliers and others having business dealings with them, and (iv)&nbsp;maintain their respective properties and assets in their present state of repair, order and condition, reasonable wear and tear excepted, to
the end that their goodwill and ongoing businesses shall not be impaired in any material respect, and (c)&nbsp;take no action that would reasonably be expected to materially and adversely affect or materially delay the ability to obtain any
necessary approvals of any Regulatory Agency or other Governmental Entity required for the transactions contemplated hereby or to perform the Company&#8217;s covenants and agreements under this Agreement or to consummate the transactions
contemplated hereby on a timely basis. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.02 <U>Company Shareholders</U><U>&#8217;</U><U> Meeting; Proxy Statement</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company agrees to take, in accordance with applicable Law, the Articles of Incorporation of Company and the Bylaws of
Company, all action necessary to convene a meeting of its shareholders to consider and vote upon the approval of this Agreement and any other matters required to be approved by the Company&#8217;s shareholders in order to permit consummation of the
transactions contemplated by this Agreement (including any adjournment or postponement, the &#8220;<U>Shareholders</U><U>&#8217;</U><U> Meeting</U>&#8221;) and, subject to <U>Section</U><U></U><U>&nbsp;5.16</U> of this Agreement, shall take all
lawful action to solicit shareholder approval, including by communicating to its shareholders the Company Recommendation (and including such recommendation in the Proxy Statement) and shall not make a Company Adverse Recommendation Change, except in
accordance with this <U>Section</U><U></U><U>&nbsp;5.02</U> and <U>Section</U><U></U><U>&nbsp;5.16</U>. The Company shall engage a proxy solicitor reasonably acceptable to Parent to assist in the solicitation of proxies from shareholders relating to
the Requisite Company Approval. Notwithstanding the foregoing or any other provision of this Agreement, but subject to <U>Section</U><U></U><U>&nbsp;5.16</U>, <U>Section</U><U></U><U>&nbsp;9.01</U> and <U>Section</U><U></U><U>&nbsp;9.03</U> of this
Agreement, as applicable, if the board of directors of Company, in response to (1)&nbsp;a Company Intervening Event or (2)&nbsp;a Superior Proposal, in each case, after receiving the advice of its outside counsel and, with respect to financial
matters, its financial advisor, determines in good faith that it would be reasonably likely to result in a violation of its fiduciary duties under applicable Law to continue to make the Company Recommendation, then, prior to the receipt of the
Requisite Company Approval, the Company Board may withhold or withdraw or modify or qualify in a manner adverse to Parent the Company Recommendation or </P>
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may submit this Agreement and the Merger to its shareholders without recommendation (a &#8220;<U>Company Adverse Recommendation Change</U>&#8221;) (although the resolutions approving this
Agreement as of the date hereof may not be rescinded or amended). Notwithstanding any Company Adverse Recommendation Change, unless this Agreement has been terminated pursuant to <U>Section</U><U></U><U>&nbsp;9.01</U> of this Agreement, Company
shall submit this Agreement to its shareholders for their consideration at the Shareholders&#8217; Meeting. In the event that there is present at the Shareholders&#8217; Meeting, in person or by proxy, sufficient favorable voting power to secure the
Requisite Company Approval, the Company shall not adjourn or postpone the Shareholders&#8217; Meeting unless the Company, after receiving the advice of its outside counsel, determines that failure to do so would reasonably be likely to result in a
breach of applicable Law. The Company shall keep Parent updated with respect to the proxy solicitation results in connection with the Shareholders&#8217; Meeting as reasonably requested by Parent. The Company shall adjourn or postpone the
Shareholders&#8217; Meeting, if, (x)&nbsp;as of the time for which such meeting is originally scheduled, there are insufficient shares of Company Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct the
business of such meeting, or (y)&nbsp;if on the date of such meeting, Company has not received proxies representing a sufficient number of shares necessary to obtain the Requisite Company Approval, or (z)&nbsp;after consultation with Parent, to
allow reasonable additional time for the filing and mailing of any supplemental or amended disclosure which Company Board has determines in good faith, after receiving the advice of its outside counsel, is necessary or advisable under applicable Law
and for such supplemental or amended disclosure to be disseminated and reviewed by Company&#8217;s shareholders prior to the Shareholders&#8217; Meeting. Company shall only be required to adjourn or postpone the Shareholders&#8217; Meeting one
(1)&nbsp;times, for aggregate adjournments or postponements not exceeding thirty (30)&nbsp;calendar days, pursuant to the immediately preceding sentence of this <U>Section</U><U></U><U>&nbsp;5.02(a)</U> and any further adjournments or postponements
of the Shareholders&#8217; Meeting pursuant to such sentence (other than as provided in clause (z)) shall require the prior written consent of Parent. Except with the prior approval of Parent or as required by applicable Law, no other matters shall
be submitted for the approval of the shareholders of the Company at the Shareholders&#8217; Meeting. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company Board
shall (i)&nbsp;use its commercially reasonable efforts to obtain such shareholder approval of this Agreement, the Merger and the transactions contemplated hereby, (ii)&nbsp;perform such other acts as may reasonably be requested by Parent to ensure
that such shareholder approval of this Agreement, the Merger and the transactions contemplated hereby are obtained, but consistent with <U>Section</U><U></U><U>&nbsp;5.16</U> and <U>Section</U><U></U><U>&nbsp;9.01</U>, (iii) cause the Proxy
Statement to be filed with the SEC no later than forty-five (45)&nbsp;calendar days after the date hereof, (iv)&nbsp;cause the Proxy Statement to be mailed to the shareholders of the Company as soon as practicable after the date hereof, but in any
event, no later than ten (10)&nbsp;days after the date the SEC approves, clears or otherwise informs the Company that it has no additional comments relating to the Proxy Statement, and (v)&nbsp;cause the Shareholders&#8217; Meeting to occur no later
than thirty (30)&nbsp;days after the date the Proxy Statement is mailed to Company shareholders, except in the case of any adjournment or postponement of the Shareholders&#8217; Meeting, as described in <U>Section</U><U></U><U>&nbsp;5.02(a)</U>.
Furthermore, the Company Board shall not authorize appraisal rights for holders of Company Stock as provided for under Title 3, Subtitle 2 of the MGCL. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If the Company becomes aware prior to the Effective Time of any information that would cause any of the statements in the
Proxy Statement to be false or misleading with respect to any material fact, or to omit to state any material fact necessary to make the statements therein not false or misleading, the Company shall promptly inform Parent thereof and take the
necessary steps to correct the Proxy Statement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Prior to filing the Proxy Statement with the SEC, the Company shall
provide Parent drafts of the Proxy Statement and other documents relating to the Proxy Statement for Parent to review and comment upon, and the Company shall use its commercially reasonable efforts to incorporate into the Proxy Statement and other
documents any reasonable comments or changes suggested by Parent. Parent shall furnish or cause to be furnished to Company, all information concerning Parent, required for inclusion in the Proxy Statement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) The Proxy Statement shall comply as to form in all material respects with the applicable provisions of the Securities Act
and the Exchange Act and their implementing rules and regulations. The Company shall promptly notify Parent upon the receipt of any comments (whether written or oral) from the SEC or its staff and of any request by the SEC or its staff or any
government officials for amendments or supplements to the Proxy Statement or for any other filing or for additional information and shall supply the other party with copies of all correspondence between such party or any of its representatives, on
the one hand, and the SEC, or its staff or any other government officials, on the other hand, with respect to the Proxy Statement, the Merger, or any other filing. Parent and Company shall cooperate with each other in responding to any comments or
requests by the SEC or its staff or any government officials with respect to the Proxy Statement. The Company shall provide to Parent and its counsel a copy of all responses to requests for additional information by and replies to comments of the
SEC prior to filing them with the SEC and provide Parent and its counsel reasonable opportunity to review and comment on prior to filing with the SEC, and shall provide Parent and its counsel with a copy of all SEC filings made by the Company. If at
any time prior to the Shareholders&#8217; Meeting there shall occur any event that should be disclosed in an amendment or supplement to the Proxy Statement, Company shall use its commercially reasonable efforts to promptly prepare, file with the SEC
(if required under applicable Law) and mail to Company shareholders an amendment or supplement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.03 <U>Information
Furnished by the Company</U>. The Company shall promptly following receipt of a written request from Parent furnish or cause to be furnished to Parent, all information concerning the Company, including but not limited to financial statements,
required for inclusion in any notice or application made or filed by Parent to any governmental body in connection with the transactions contemplated by this Agreement or, as reasonably requested by Parent, in connection with any unrelated
transactions during the pendency of this Agreement. The Company represents and warrants that all information so furnished shall be true and correct in all material respects and shall not omit any material fact required to be stated therein or
necessary to make the statements made, in light of the circumstances under which they were made, not misleading. The Company shall otherwise reasonably cooperate with Parent in the filing of any applications or other documents necessary to
consummate 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">Section&nbsp;5.04 <U>Required Acts</U>. Between the date of this Agreement
and the Closing, the Company shall, and shall cause each of its Subsidiaries including the Bank to, unless otherwise permitted in writing by Parent: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) perform, in all material respects, all of its obligations under any material contracts, leases and documents relating to or
affecting its assets, properties and business, except such obligations as the Company or any of its Subsidiaries may in good faith reasonably dispute; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) use commercially reasonable efforts to maintain in full force and effect all insurance policies now in effect or renewals
thereof and give all notices and present all claims under all insurance policies in due and timely fashion; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) timely file, subject to extensions, all reports required to be filed
with any Governmental Entity and observe and conform, in all material respects, to all applicable Laws, except those being contested in good faith by appropriate proceedings; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) timely file, subject to extensions, all Tax Returns required to be filed by it and timely pay all Taxes that become due and
payable, except those being contested in good faith by appropriate proceedings for which adequate reserves are being maintained in accordance with GAAP; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) promptly notify Parent of any Tax proceeding or claim pending or, to the Knowledge of the Company, threatened against or
with respect to the Company or any of its Subsidiaries; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) withhold from each payment made to each of its employees,
independent contractors, creditors and other third parties the amount of all Taxes required to be withheld therefrom and pay the same to the proper Governmental Entity when due; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) account for all transactions and prepare all financial statements in accordance with GAAP (unless otherwise instructed by
RAP in which instance account for such transaction in accordance with RAP); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) promptly classify and charge off loans and
make appropriate adjustments to loss reserves in accordance with the Company&#8217;s and the Bank&#8217;s existing policy and procedures; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) on or prior to the Calculation Date, achieve and maintain the ACL account for the Bank in an amount equal to at least 1.04%
of the Bank&#8217;s total loans and in compliance with applicable regulatory requirements and GAAP; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) pay or accrue
all Transaction Costs prior to the Closing Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.05 <U>Prohibited Acts</U>. Between the date of this Agreement and the
Closing, the Company shall not, and shall not permit any of its Subsidiaries including the Bank to, without the prior written consent of Parent (such consent not to be unreasonably withheld, conditioned or delayed), except as set forth on
<I><U>Confidential Schedule 5.05</U></I>: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) change the Company&#8217;s or any of its Subsidiaries&#8217; charter,
articles of incorporation or bylaws, increase the number of shares of Company Stock or any of its Subsidiaries&#8217; stock outstanding or increase the amount of the Bank&#8217;s surplus (as calculated in accordance with the instructions to the Call
Report); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) except as explicitly permitted hereunder or in accordance with applicable Law or pursuant to a contract
existing as of the date of this Agreement, engage in any transaction with any affiliated Person or allow such Persons to acquire any assets from the Company or any of its Subsidiaries, except (i)&nbsp;in the form of wages, salaries, fees for
services, reimbursement of expenses and benefits already granted or accrued under the Employee Plans currently in effect, (ii)&nbsp;any deposit (in any amount) made by an officer, director or employee or (iii)&nbsp;loans or extension of credit; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) other than with respect to (i)&nbsp;the Special Dividend and (ii)&nbsp;regular semi-annual dividends, with similar timing
and per share amounts to prior declarations, declare, set aside or pay any dividends or make any other distribution to its shareholders (including any share dividend, dividends in kind or other distribution) whether in cash, shares or other property
or purchase, retire or redeem, or obligate itself to purchase, retire or redeem, any of its capital shares or other securities; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) discharge or satisfy any Lien or pay any obligation or liability,
whether absolute or contingent, due or to become due, except (i)&nbsp;in the ordinary course of business consistent with past practices, (ii)&nbsp;for liabilities incurred in connection with the transactions contemplated hereby and (iii)&nbsp;for
Liens, obligations or liabilities reflected on the Company&#8217;s Financial Statements; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) issue, reserve for issuance,
grant, sell or authorize the issuance of any shares of its capital stock or other securities or subscriptions, options, warrants, calls, rights or commitments of any kind relating to the issuance thereto; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) accelerate the vesting of pension or other benefits in favor of employees of the Company or any of its Subsidiaries except
as provided by the Employee Plans or as otherwise contemplated by this Agreement or as required by applicable Law; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)
acquire any capital stock or other equity securities or acquire any equity or ownership interest in any bank, corporation, partnership or other entity (except (i)&nbsp;through settlement of indebtedness, foreclosure, or the exercise of
creditors&#8217; remedies or (ii)&nbsp;in a fiduciary capacity, the ownership of which does not expose it to any liability from the business, operations or liabilities of such Person); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) mortgage, pledge or subject to Lien any of its property, business or assets, tangible or intangible, except
(i)&nbsp;Permitted Encumbrances, (ii)&nbsp;FHLB advances, (iii)&nbsp;Federal Reserve Bank loans, and (iv)&nbsp;pledges of assets to secure public funds deposits; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) except as otherwise provided for in this Agreement, (x)&nbsp;enter into, adopt, amend (except for such amendments as may be
required by applicable Law or as provided under this Agreement) or terminate any Employee Plan, or any agreement, arrangement, plan or policy between the Company or its Subsidiaries and one or more of its directors or executive officers,
(y)&nbsp;except for normal pay increases other than to key employees or nonexecutive officers in the ordinary course of business consistent with past practice or as required by any plan or arrangement as in effect as of the date hereof, materially
increase in any manner the compensation or benefits of any director, officer or employee or enter into any contract, agreement, commitment or arrangement to do any of the foregoing, or (z)&nbsp;grant or award any bonus or incentive compensation, or
any stock option, restricted stock, restricted stock unit or other equity-related award except as required as an existing obligation of the Company under the terms of any existing agreement; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) make any material change in the rate of payment of compensation, commission, bonus or other direct or indirect remuneration
payable, or pay or agree or orally promise to pay, conditionally or otherwise, any bonus, extra compensation, pension or severance or vacation pay, to or for the benefit of any of its directors, officers, employees or agents, other than periodic
increases in compensation consistent with past practices, and bonuses, commissions, and incentives consistent with past practices to its employees and officers; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) enter into any employment or consulting contract (other than as contemplated by the terms of the Employee Plans or this
Agreement) or other agreement with any current or proposed director, executive officer or employee or adopt, amend in any material respect or terminate any pension, employee welfare, retirement, stock purchase, stock option, phantom stock, stock
appreciation rights, termination, severance, income protection, golden parachute, savings or </P>
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profit-sharing plan (including trust agreements and insurance contracts embodying such plans), any deferred compensation, or collective bargaining agreement, any group insurance contract or any
other incentive, welfare or employee benefit plan or agreement for the benefit of its directors, employees or former employees, except as required by applicable Law or by this Agreement; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) make any capital expenditures or capital additions or betterments in excess of $100,000 in the aggregate, except for such
capital expenditures or capital additions that are consistent with the Company&#8217;s Fixed Asset and Capital Expenditures Policy, or that are necessary to prevent substantial deterioration of the condition of a property; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(m) sell or dispose of, or otherwise divest itself of the ownership, possession, custody or control, of any corporate books or
records of any nature that, in accordance with past business practice, normally are retained for a period of time after their use, creation or receipt, except at the end of the normal retention period; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(n) make any, or acquiesce with any, change in any (i)&nbsp;credit underwriting standards or practices, including loan loss
reserves, other than changes consistent with past practice or to comply with recommendations, guidance, pronouncements or requirements of any applicable Regulatory Agency, (ii)&nbsp;asset liability management techniques, (iii)&nbsp;accounting
methods, principles or material practices, except as consistent with past practice, as required by changes in GAAP as concurred in by the Company&#8217;s independent auditors, or as recommended or required by any applicable Regulatory Agency, or
(iv)&nbsp;Tax election, change in taxable year, accounting methods for Tax purposes, amendment of a Tax Return, restriction on any assessment period relating to Taxes, settlement of any Tax claim or assessment relating to the Company or any of its
Subsidiaries, &#8220;closing agreement&#8221; within the meaning of Section&nbsp;7121 of the Code (or any similar provision of state, local or foreign law), or surrender any claim to a refund; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(o) implement or adopt any change in its financial accounting principles, practices or methods, other than as may be required
by applicable Law, GAAP, or at the written direction of a Governmental Entity; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(p) enter into, materially amend, modify,
terminate or waive any material provision of, any material contract or lease other than renewals in the ordinary course of business consistent with past practice; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(q) enter into any settlement or similar agreement with respect to any action, suit, proceeding, order or investigation to
which Company or any of its Subsidiaries or directors or executive officers is a party or becomes a party after the date of this Agreement, which settlement or agreement involves payment by Company or any of its Subsidiaries of an amount which
exceeds $100,000 individually or $200,000 in the aggregate and/or would impose any material restriction on the business of Company or any of its Subsidiaries, provided that, in connection with any settlement or agreement, the determination of
aggregate amounts shall be exclusive of any amount of proceeds indirectly paid under any insurance policy but inclusive of any amount of proceeds paid by Company or any of its Subsidiaries as a deductible or retention, and provided further, that any
settlement or similar agreement shall include an unconditional release of the Company, its Subsidiaries or any director or executive officer who is or becomes a party from all liability on claims that are the subject matter of such proceeding; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(r) enter into any new material line of business or change or amend in any material respect its lending, investment,
underwriting, risk and asset liability management and other banking and operating policies, except as required by applicable Law imposed by any Governmental Entity; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(s) enter into any derivative transaction other than in the ordinary course
of business consistent with past practice; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(t) sell (but payment at maturity is not a sale) or purchase any debt or
investment security, including any asset designated as &#8220;held to maturity&#8221; or something similar, other than purchases of obligations of the U.S. Treasury (or any agency thereof) with a maturity of one (1)&nbsp;year or less; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(u) make any changes to deposit pricing that are not in the ordinary course of business consistent with past practice; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(v) make any investment or commitment to invest in real estate or in any real estate development project other than by way of
foreclosure or deed in lieu of foreclosure; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(w) enter into any acquisitions or leases, as lessee, of real property,
including new leases and lease extensions, other than equipment leases and OREO Property; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(x) make, change or revoke any
entity classification election or other Tax election, change any income or other material Tax accounting period, adopt or change any Tax accounting method, file any amended Tax Return, enter into, cancel or modify any closing agreement, settle or
compromise any liability with respect to Taxes, request any ruling from a Governmental Entity with respect to Taxes, enter into any Tax sharing agreement, file any claim for a refund of Taxes, or consent to any extension or waiver of the limitation
period applicable to any Tax claim or assessment; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(y) commit any act or omission which constitutes a material breach or
default by Company under any agreement with any Governmental Entity or under any material contract, lease or other material agreement or material license to which it is a party or by which it or its properties is bound or under which it or its
assets, business, or operations receives benefits; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(z) except for foreclosures in process as of the date of this
Agreement, foreclose on or take a deed or title to any real estate other than single-family residential properties without first conducting an ASTM <FONT STYLE="white-space:nowrap">1527-21</FONT> Phase I Environmental Site Assessment of the property
that satisfies the requirements of the all appropriate inquiries standard of CERCLA &#167; 101(35) (&#8220;Phase I Assessment&#8221;), 42 U.S.C. &#167; 9601(35), or foreclose on or take a deed or title to any real estate other than single-family
residential properties if such environmental assessment indicates the presence of any Recognized Environmental Condition (as defined in ASTM <FONT STYLE="white-space:nowrap">1527-21)</FONT> or any other material environmental issue; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(aa) take any action or fail to take (which omission would reasonably be likely to result in such consequences), or adopt any
resolutions of its board of directors in support of, any action that is intended or is reasonably likely to result in (i)&nbsp;a material delay in the consummation of the Merger or the transactions contemplated by this Agreement, (ii)&nbsp;any
material impediment to Company&#8217;s ability to consummate the Merger of the transactions contemplated by this Agreement, or (iii)&nbsp;any of the conditions to the Merger set forth in <U>Article VI</U> not being satisfied, except, in each case,
as may be required by applicable Law or GAAP or as specifically provided for otherwise under this Agreement; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(bb) directly
or indirectly repurchase, redeem or otherwise acquire any shares of its capital stock or any securities convertible into or exercisable for any shares of its capital stock; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(cc) merge or consolidate itself or any of its Subsidiaries with any other
person, or restructure, reorganize or completely or partially liquidate or dissolve it or any of its Subsidiaries; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(dd)
except as required by Law or otherwise expressly contemplated by this Agreement, make application for the opening, relocation or closing of any, or open, relocate or close any, branch office, loan production or servicing facility, or automated
banking facility; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ee) compromise, resolve, or otherwise &#8220;workout&#8221; any delinquent or troubled loan, other than
(i)&nbsp;any loan workout in the ordinary course of business, consistent with the Bank&#8217;s current policies and procedures and past practice, or (ii)&nbsp;unless Parent, first consents in writing (provided that Parent shall respond to any such
request for consent within (5)&nbsp;Business Days of Company submitting such request, together with reasonable supporting documentation); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ff) enter into any contract with respect to, or otherwise agree or commit to do, any of the foregoing; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(gg) make, renew, renegotiate, increase, extend or modify any (i)&nbsp;unsecured loan involving a commitment of more than
$100,000, (ii) loan involving a commitment of more than $100,000 that is not fully secured by collateral on a first lien position, (iii)&nbsp;loan in excess of FFIEC regulatory guidelines relating to loan to value ratios, (iv)&nbsp;secured loan
involving a commitment of more than $750,000, unless any such loan or extension of credit has been expressly consented to in writing by Parent, or (v)&nbsp;loan involving a commitment of more than $500,000 if aggregate exposure to the borrower or
borrowing entity and its Affiliates is greater than or equal to $5,000,000; <I>provided</I>, <I>however</I>, that (i)-(v) above shall not apply to loans or extensions of credit approved and/or committed to by the Bank loan committee as reflected on
its Directors Loan Committee approvals since June&nbsp;30, 2025 (copies of which have been provided to Parent), loans made under the Bank&#8217;s mortgage programs, and if required by Law; <I>provided</I>, <I>further</I>, that Parent will be deemed
to have consented to any such proposed loan or extension of credit pursuant to (i)-(v) above if it does not object within a review period of two (2)&nbsp;Business Days following the date of delivery of notice to be delivered via email to Stavros
Papastavrou, Ali Vafai, Donald Satiroff, and Jeffrey Green (the &#8220;<U>Designated Representatives of Parent</U>&#8221;) of such proposed loan or extension of credit; notwithstanding the foregoing, in the event that Parent objects to a proposed
loan renewal, renegotiation, extension or modification, then Parent and the Company will communicate and collaborate regarding proposed next steps for a resolution of the loan relationship for a period of up to ninety (90)&nbsp;days; provided,
further that if Parent objects to a proposed loan, renewal, renegotiation, increase, extension or modification and such decision results in an existing customer moving its loan and deposit business from the Bank, then such loss of loan and deposit
business will not be taken into account for purposes of determining whether or not the Bank has suffered a Material Adverse Change; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(hh) (i) renew, extend the maturity of, or alter any of the material terms of any loan which has been classified or, in the
exercise of reasonable diligence by Bank or any governmental authority with supervisory jurisdiction over the Bank, should have been classified as &#8220;substandard,&#8221; &#8220;doubtful,&#8221; &#8220;loss,&#8221; &#8220;other loans especially
mentioned,&#8221; &#8220;other assets especially mentioned,&#8221; &#8220;watch,&#8221; &#8220;pass/watch&#8221; or any comparable classifications by such persons, in excess of $50,000, or (ii)&nbsp;make or commit to make a loan in excess of $50,000
to any borrower with an outstanding loan agreement, note or borrowing arrangement with the Bank which has been classified or, in the exercise of reasonable diligence by the Bank or any governmental authority with supervisory jurisdiction over the
Bank, should have been classified as &#8220;substandard,&#8221; &#8220;doubtful,&#8221; &#8220;loss,&#8221; &#8220;other loans especially mentioned,&#8221; &#8220;other assets especially mentioned,&#8221; &#8220;watch,&#8221;
&#8220;pass/watch&#8221; or any comparable classifications by such persons; <I>provided</I>, that, unless Parent objects to such transaction </P>
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no later than two (2)&nbsp;Business Days after actual receipt by Designated Representatives of Parent of all information reasonably necessary to the making, renewal or alteration of such Loan
(which information will include, as applicable, credit reports, financial statements and Tax Returns of the borrower and appraisals of the collateral), Parent will be deemed to have approved such transaction; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) (a) renew, extend the maturity of, or alter any of the material terms of any Loan to or contract with a Cannabis Business;
(b)&nbsp;enter into any contract or other arrangement with any Cannabis Business; or (c)&nbsp;materially change, restructure or expand its policies or procedures, or its investment or other activity in respect of any Cannabis Business; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(jj) enter into, renew, extend the maturity of, or alter any of the material terms of any Loan to or contract with any current
or former employee of the Company; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(kk) enter into, renew, extend the maturity of, or alter any of the material terms
of any Loan with an interest rate lower than the then-current Secured Overnight Financing Rate plus 100 basis points. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.06
<U>Access; <FONT STYLE="white-space:nowrap">Pre-Closing</FONT> Investigation</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Upon reasonable notice, and in no
event less than two (2)&nbsp;Business Days, and subject to applicable Laws, the Company shall afford the officers, directors, employees, attorneys, accountants, investment bankers and authorized representatives of Parent reasonable access to the
properties, books, contracts and records of the Company and each of its Subsidiaries, permit Parent to make such inspections as Parent may require and furnish to Parent during such period all such information concerning the Company, each of its
Subsidiaries and its affairs as Parent may reasonably request, in order that Parent may have the opportunity to make such reasonable investigation as it desires to make of the affairs of the Company and each of its Subsidiaries, including access
sufficient to verify the value of the assets and the liabilities of the Company and each of its Subsidiaries and the satisfaction of the conditions precedent to Parent&#8217;s obligations described in <U>Article</U><U></U><U>&nbsp;VIII</U> of this
Agreement. Parent shall use its commercially reasonable efforts not to disrupt the normal business operations of the Company or any of its Subsidiaries. The Company agrees at any time, and from time to time, to furnish to Parent as soon as
practicable, any additional information that Parent may reasonably request. Neither the Company nor any of its Subsidiaries shall be required to provide access to or to disclose confidential supervisory information (as such term is defined in 12
C.F.R. &#167; 4.32 and &#167; 4.36) or other information where such access or disclosure would violate or prejudice the rights of the Company&#8217;s or any of its Subsidiaries&#8217; customers, jeopardize the attorney-client privilege of the
institution in possession or control of such information (after giving due consideration to the existence of any common interest, joint defense or similar agreement between the parties) or contravene any Law, rule, regulation, order, judgment,
decree, fiduciary duty or binding agreement entered into prior to the date of this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) No investigation by
either party of the business and affairs of the other shall affect or be deemed to modify or waive any representation, warranty, covenant or agreement in this Agreement, or the conditions to either party&#8217;s obligation to consummate 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">Section&nbsp;5.07 <U>Additional Financial Statements</U>. During the period from the date of
this Agreement to the Effective Time, the Company shall cause one or more of its designated representatives to confer on a regular and frequent basis (not less than biweekly and at months&#8217; end) with representatives of Parent and to report the
general status of the Company&#8217;s financial affairs and the ongoing operations of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>

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Company and its Subsidiaries. Without limiting the foregoing, (A)&nbsp;the Company agrees to provide to Parent (i)&nbsp;a copy of each report filed by the Company or any of its Subsidiaries with
a Governmental Entity (if permitted by Law) within two (2)&nbsp;Business Day following its filing, and&nbsp;(ii)&nbsp;a consolidated balance sheet and a consolidated statement of operations, without related notes, within twenty-five
(25)&nbsp;calendar days after the end of each month, prepared in accordance with the Company&#8217;s current financial reporting practices, and (B)&nbsp;the Company shall provide Parent, on a monthly basis, with a schedule of all new loans, leases,
extensions of credit, and renewal loans, leases and extensions of credit, or any increase in any customer&#8217;s aggregate credit outstanding or lease commitment, and provide Parent with a copy of, and the opportunity to discuss upon request, the
relevant documentation for any loan, extension of credit, lease, or renewal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.08 <U>Untrue Representations</U>. The Company
shall promptly notify Parent in writing if the Company obtains Knowledge of any fact or condition that makes untrue, or shows to have been untrue, in any material respect, any schedule or any other information furnished to Parent or any
representation or warranty made in or pursuant to this Agreement or that results in the failure of the Company or any of its Subsidiaries to comply with any covenant, condition or agreement contained in this Agreement in all material respects. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.09 <U>Litigation and Claims</U>. The Company shall promptly notify Parent in writing of any litigation, or of any claim,
controversy or contingent liability that might be expected to become the subject of litigation, against the Company or any of its Subsidiaries or affecting any of their properties, and the Company shall promptly notify Parent of any legal action,
suit or proceeding or judicial, administrative or governmental investigation, pending or, to the Knowledge of the Company, threatened against the Company or any of its Subsidiaries that questions or might question the validity of this Agreement or
the agreements contemplated hereby or any actions taken or to be taken by the Company or any of its Subsidiaries pursuant hereto or thereto or seeks to enjoin or otherwise restrain the transactions contemplated hereby or thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.10 <U>Material Adverse Changes</U>. The Company shall promptly notify Parent in writing if any change or development has
occurred or, to the Knowledge of the Company, been threatened (or any development has occurred or been threatened involving a prospective change) that (a)&nbsp;is reasonably likely to have, individually or in the aggregate, a Material Adverse Change
on the Company or any of its Subsidiaries, (b)&nbsp;would adversely affect, prevent or delay the obtaining of any regulatory approval for the completion of the transactions contemplated by this Agreement, or (c)&nbsp;would cause the conditions in
<U>Article</U><U></U><U>&nbsp;VIII</U> not to be satisfied. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.11 <U>Consents and Approvals</U>. The Company shall use its
commercially reasonable efforts to obtain at the earliest practicable time all consents and approvals from third parties, including those listed on <I><U>Confidential Schedule 2.02(l)</U></I>; provided, however, that the Company and its Subsidiaries
shall not be required to take any action, or commit to take any action, or agree to any condition or restriction, in connection with obtaining the consents and approvals of Governmental Entities that would reasonably be expected to have a material
and adverse effect on the Parent, Merger Sub, Company and its Subsidiaries, taken as a whole, or the Surviving Corporation and its Subsidiaries, taken as a whole, in each case after giving effect to the Merger (a &#8220;<U>Materially Burdensome
Regulatory Condition</U>&#8221;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.12 <U>Employment Agreements; Retention Agreements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company shall take any and all actions that are necessary to terminate immediately prior to the Effective Time those
Employment Agreements and Change in Control Agreements set forth in <I><U>Confidential Schedule 5.12(a)</U></I> (the &#8220;<U>Existing Employment Agreements</U>&#8221;). </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company shall use its commercially reasonable efforts to cause those
employees of the Company and/or the Bank set forth on <I><U>Confidential Schedule 5.12(b)</U></I> to enter into retention agreements or other employment arrangements (the &#8220;<U>Retention Agreements</U>&#8221;) to be effective as of the Effective
Time; provided that the terms and conditions of the Retention Agreements shall be mutually agreed upon by such employees, the Company and Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.13 <U>Tax Matters</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) All transfer, documentary, sales, use, stamp, registration and other such Taxes and all conveyance fees, recording charges
and other fees and charges (including any penalties and interest) incurred in connection with the consummation of the transactions contemplated by this Agreement, if any, shall be paid by the party liable for such Tax under Law when due, and such
party shall, at its own expense, file all necessary Tax Returns and other documentation with respect to all such Taxes, fees and charges, and, if required by applicable Law, the other party shall, and shall cause its Affiliates to, join in the
execution of any such Tax Returns and other documentation. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) The Company shareholders, the Company and Parent further
agree, upon request, to use their commercially reasonable efforts to obtain any certificate or other document from any Governmental Entity or any other Person as may be necessary to mitigate, reduce or eliminate any Tax that could be imposed
(including, but not limited to, with respect to the transactions contemplated hereby). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Parent shall prepare or cause
to be prepared all Tax Returns for the Company and its Subsidiaries that are filed after the Closing Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.14
<U>Disclosure Schedules</U>. At least ten (10)&nbsp;calendar days prior to the Closing, the Company agrees to provide Parent with supplemental disclosure schedules reflecting any material changes thereto between the date of this Agreement and the
Closing Date. Delivery of such supplemental disclosure schedules shall not cure a breach or modify a representation or warranty of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.15 <U>Operational Updates</U>. The executive officers of the Company and the Bank agree to meet with senior officers of Parent
once a month, or upon three (3)&nbsp;Business Days&#8217; notice as reasonably determined by Parent and the Company, to review the financial and operational affairs of the Bank, and to the extent permitted by applicable Law, each of the Company and
the Bank agrees to give reasonable consideration to Parent&#8217;s input on such matters, consistent with this <U>Section</U><U></U><U>&nbsp;5</U>, with the understanding that Parent shall in no event be permitted to exercise control of the Company
or the Bank prior to the Effective Time and, except as specifically provided under this Agreement, the Company and the Bank shall have no obligation to act in accordance with Parent&#8217;s input. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.16 <U>No Solicitation</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Subject to the provisions of this <U>Section</U><U></U><U>&nbsp;5.16</U>, the Company shall not, and shall cause its
Subsidiaries not to, and shall cause the Company&#8217;s and its Subsidiaries&#8217; respective officers, directors, employees, Affiliates, agents and other representatives (collectively, &#8220;<U>Representatives</U>&#8221;) not to, directly or
indirectly, (i)&nbsp;initiate, solicit, knowingly encourage or knowingly facilitate any inquiries or proposals with respect to, or the making of, any Acquisition Proposal or (ii)&nbsp;except as permitted below, (A)&nbsp;engage in negotiations or
discussions with, or provide any information or data to, any Person relating to an Acquisition Proposal, (B)&nbsp;approve, endorse or recommend, or propose publicly to approve, endorse or recommend, any Acquisition Proposal or (C)&nbsp;execute or
enter into any letter of intent, agreement in principle, merger agreement, acquisition agreement or other similar agreement relating to any Acquisition Proposal (other than </P>
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a confidentiality agreement contemplated by <U>Section</U><U></U><U>&nbsp;5.16(b)</U>); <I>provided, however</I>, that the foregoing shall not prohibit the Company or its Representatives from
informing any Person of the restrictions of this <U>Section</U><U></U><U>&nbsp;5.16</U> or from contacting any Person who has made an Acquisition Proposal solely for the purpose of seeking clarification of the terms and conditions thereof so as to
determine whether the Acquisition Proposal is, or could reasonably be expected to lead to, a Superior Proposal, and any such actions shall not be a breach of this <U>Section</U><U></U><U>&nbsp;5.16</U>. The Company shall, and shall cause each of its
Representatives to, (i)&nbsp;immediately cease any solicitations, discussions or negotiations with any Person (other than Parent or its Affiliates) conducted before the date of this Agreement with respect to any Acquisition Proposal and promptly
request return or destruction of confidential information related thereto, and (ii)&nbsp;use its commercially reasonable efforts to enforce any confidentiality or similar agreement relating to any Acquisition Proposal. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding <U>Section</U><U></U><U>&nbsp;5.16(a)</U>, if, prior to the time Requisite Company Approval is obtained,
the Company receives an unsolicited bona fide written Acquisition Proposal that the board of directors of the Company concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial
advisor) that such Acquisition Proposal constitutes or is reasonably likely to lead to a Superior Proposal, the Company may take the following actions: (1)&nbsp;furnish nonpublic information with respect to the Company and its Subsidiaries to the
Person making such Acquisition Proposal, but only if (A)&nbsp;prior to so furnishing such information, the Company has entered into a customary confidentiality agreement with such Person, and (B)&nbsp;all such information has previously been
provided to Parent or is provided to Parent prior to or contemporaneously with the time it is provided to the Person making such Superior Proposal or such Person&#8217;s representatives; and (2)&nbsp;engage or participate in any discussions or
negotiations with such Person with respect to the Superior Proposal. Company promptly (and in any event within forty-eight (48)&nbsp;hours) shall advise Parent orally and in writing of the receipt of (i)&nbsp;any proposal that constitutes or is
reasonably likely to lead to an Acquisition Proposal and the material terms of such proposal (including the identity of the party making such proposal and, if applicable, copies of any documents or correspondence evidencing such proposal), and
(ii)&nbsp;any request for information relating to Company or any of its Subsidiaries other than requests for information not reasonably likely to be related to an Acquisition Proposal. The Company shall keep Parent informed on a reasonably current
basis (and in any event at least once every two (2)&nbsp;Business Days) of the status of any such Acquisition Proposal (including any material change to its terms). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Except as set forth in <U>Section</U><U></U><U>&nbsp;5.16(d)</U> of this Agreement, the Company Board shall not
(i)&nbsp;withhold, withdraw, or modify (or publicly propose to withhold, withdraw or modify), in a manner adverse to Parent and Servbank, its recommendation referred to in <U>Section</U><U></U><U>&nbsp;5.02</U> of this Agreement, or
(ii)&nbsp;approve or recommend (or publicly propose to approve or recommend) any Acquisition Proposal. Except as set forth in <U>Section</U><U></U><U>&nbsp;5.16(d)</U> of this Agreement, the Company shall not, and its board of directors shall not
allow the Company to, and the Company shall cause its Subsidiaries and each of their respective directors and officers and instruct each of their agents, advisors and representatives not to on its behalf, enter into any letter of intent, memorandum
of understanding, agreement in principle, acquisition agreement, merger agreement, or other agreement (except for confidentiality agreements referred to and entered into in accordance with the terms of <U>Section</U><U></U><U>&nbsp;5.16(b)</U> of
this Agreement) relating to any Superior Proposal. The Company Board shall also not authorize appraisal rights for holders of Company Stock as provided for under Title 3, Subtitle 2 of the MGCL.</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Notwithstanding anything to the contrary set forth in this Agreement,
the board of directors of the Company may, prior to the time the Requisite Company Approval is obtained, in response to a Superior Proposal or Intervening Event which did not result from a breach of <U>Section</U><U></U><U>&nbsp;5.16(a)</U> or
<U>(b)</U>, make a Company Adverse Recommendation Change, if the board of directors of Company has determines in good faith, after receiving the advice of its outside counsel, that the failure to take such action would be reasonably likely to result
in a violation of its fiduciary duties under applicable Law; <U>provided</U>, that the board of directors of the Company may not effect a Company Adverse Recommendation Change unless (1)&nbsp;the Company has complied in all material respects with
this <U>Section</U><U></U><U>&nbsp;6</U>, and (2)&nbsp;prior to making a Company Adverse Recommendation Change, Company provides prior written notice to Parent three (3)&nbsp;Business Days in advance (the &#8220;<U>Notice Period</U>&#8221;) of its
intention to take such action, and furnishes to Parent a reasonable description of the events or circumstances giving rise to its determination to take such action (including, in the event such action is taken in response to a Superior Proposal, all
material terms and conditions of such Superior Proposal (including the identity of the party making such Superior Proposal)), and any material modifications to any of the foregoing, (3)&nbsp;prior to taking such action, the Company negotiates, and
causes its financial, legal, and other advisors to negotiate, in good faith with Parent, during the Notice Period (to the extent Parent desires to so negotiate) any revision to the terms of this Agreement that Parent desires to propose in writing
prior to the end of such Notice Period, and (4)&nbsp;after the conclusion of any Notice Period, the board of directors of the Company determines in good faith, after giving effect to all of the adjustments or revisions (if any) which may be offered
by Parent pursuant to <FONT STYLE="white-space:nowrap">sub-clause</FONT> (3)&nbsp;above, that in the case of an Acquisition Proposal, such Acquisition Proposal continues to constitute a Superior Proposal, and in the case of an Acquisition Proposal
or Intervening Event, it nevertheless would be reasonably likely to result in a violation of its fiduciary duties under applicable Law to make or continue to make the Company Recommendation. Any material amendment to any Superior Proposal shall be
deemed to be a new Superior Proposal for purposes of this <U>Section</U><U></U><U>&nbsp;5.16(d)</U> and shall require a new Notice Period as referred to in this <U>Section</U><U></U><U>&nbsp;5.16(d)</U>, <U>provided</U>, that such new Notice Period
shall be two (2)&nbsp;Business Days. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Nothing contained in <U>Section</U><U></U><U>&nbsp;5.02</U> of this Agreement or
this <U>Section</U><U></U><U>&nbsp;6</U> shall prohibit the Company or its board of directors from (i)&nbsp;complying with its disclosure obligations under U.S. federal or state law with regard to an Acquisition Proposal, including Rule <FONT
STYLE="white-space:nowrap">14a-9,</FONT> <FONT STYLE="white-space:nowrap">14d-9</FONT> or <FONT STYLE="white-space:nowrap">14e-2</FONT> promulgated under the Exchange Act, or, (ii)&nbsp;making any disclosure to the Company&#8217;s shareholders if,
after consultation with its outside legal counsel, the Company determines that such disclosure is reasonably required under applicable Law; <U>provided</U>, <U>however</U>, that any such disclosure relating to an Acquisition Proposal shall be deemed
to be a Company Adverse Recommendation Change unless it is limited to a stop, look, and listen communication or Company&#8217;s board of directors reaffirms the Company Recommendation in such disclosure and does not recommend that the Company
shareholders tender their shares or otherwise support such Acquisition Proposal, or (iii)&nbsp;informing any Person of the existence of the provisions contained in this <U>Section</U><U></U><U>&nbsp;6</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.17 <U>Second Merger</U>. Prior to the Effective Time, the Company shall cooperate with Parent and Servbank as necessary in
conjunction with all approvals, filings and other steps necessary to enter into the Second Merger Agreement, the form of which is attached hereto as <U>Exhibit</U><U></U><U>&nbsp;&#8220;</U><U>A</U><U>&#8221;</U>, and to cause the consummation of
the Second Merger immediately after the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.18 <U>Bank Merger</U>. Prior to the Effective Time, the Company
shall cause the Bank cooperate with Parent and Servbank as necessary in conjunction with all approvals, filings and other steps necessary to enter into the Bank Merger Agreement, the form of which is attached hereto as
<U>Exhibit</U><U></U><U>&nbsp;&#8220;</U><U>B</U><U>&#8221;</U>, and to cause the consummation of the Bank Merger immediately after the effective time of the Second Merger. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.19 <U>Indemnification; Tail Coverage</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) For six years after the Effective Time, Parent shall indemnify, defend and hold harmless, and provide advancement of
expenses to, each person who is now, or has been at any time prior to the date hereof or who becomes prior to the Effective Time, an officer, director or employee of the Company or any of its Subsidiaries (the &#8220;<U>Indemnified
Parties</U>&#8221;) against all losses, claims, damages, costs, expenses, liabilities or judgments or amounts that are paid in settlement of or in connection with any claim, action, suit, proceeding or investigation based in whole or in part on or
arising in whole or in part out of the fact that such person is or was a director, officer or employee of the Company or any of its Subsidiaries, and pertaining to any matter existing or occurring, or any acts or omissions occurring, at or prior to
the Effective Time, whether asserted or claimed prior to, or at or after, the Effective Time (including matters, acts or omissions occurring in connection with the approval of this Agreement and the consummation of the transactions contemplated
hereby) (&#8220;<U>Indemnified Liabilities</U>&#8221;) to the same extent such persons are indemnified or have the right to advancement of expenses as of the date of this Agreement by the Company pursuant to the Company&#8217;s Articles of
Incorporation, Bylaws and indemnification agreements, if any, in existence on the date hereof with any directors, officers and employees of the Company and its Subsidiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Before the Effective Time, the Company shall obtain, and before the Calculation Date, the Company shall fully pay for, or
accrue, &#8220;tail&#8221; insurance policies or a continuance of current policies with a claims period of six (6)&nbsp;years from and after the Effective Time with respect to directors&#8217; and officers&#8217; liability insurance (or comparable
coverage) for the present and former officers and directors of the Company and the Bank and bond coverage (or comparable coverage), with respect to claims against such directors and officers arising from facts or events occurring before the
Effective Time (including the transactions contemplated by this Agreement) (&#8220;<U>Tail Coverage</U>&#8221;). The Tail Coverage shall contain coverage, amounts, terms and conditions, no less advantageous to such officers and directors than the
coverage currently provided by the Company and the Bank, provided that in no event will the Company be required to expend more than an amount equal to 250% of the annual premiums paid by the Company as of the Closing Date for such insurance (the
&#8220;<U>Insurance Amount</U>&#8221;) provided, however, that if the cost exceeds such limit, the Company will use its reasonable efforts to obtain as much comparable insurance as is available for the Insurance Amount. The total premium for the
Tail Coverage shall be paid or accrued by the Company on or prior to the Calculation Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If Parent or any of its
successors or assigns (i)&nbsp;consolidates with or merges into any other Person and shall not be the continuing or surviving corporation or entity of such consolidation or merger, or (ii)&nbsp;transfers or conveys all or substantially all of its
properties and assets to any Person, then, and in each such case, to the extent necessary, proper provision shall be made so that the successors and assigns of the Parent, as the case may be, shall assume the obligations set forth in this
<U>Section</U><U></U><U>&nbsp;5.19</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) The provisions of this <U>Section</U><U></U><U>&nbsp;5.19</U> (i) are intended
to be for the benefit of, and shall be enforceable by, each Indemnified Party, his or her heirs and representatives and (ii)&nbsp;are in addition to, and not in substitution for, any other rights to indemnification or contribution that any such
Person may have by contract or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.20 <U>Deregistration</U>. Prior to the Closing Date, Company shall use
commercially reasonable efforts to take, or cause to be taken, all actions, and do or cause to be done all things, reasonably necessary, proper or advisable on its part under applicable Laws and rules and policies of Nasdaq to enable the <FONT
STYLE="white-space:nowrap">de-listing</FONT> by of the Company Common Stock from Nasdaq and the deregistration of the Company Common Stock under the Exchange Act as promptly as practicable after the Effective Time. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.21 <U>Allowance for Credit Losses</U>. The Company shall cause the Bank to
maintain its ACL at a level consistent with the Bank&#8217;s historical methodology, past practices, existing policies and in compliance with GAAP and, at a minimum, on the Closing Date, the ACL shall be at least 1.04% of total loans (the
&#8220;<U>Minimum Allowance Amount</U>&#8221;); <I>provided, however</I>, that if the ACL is less than the Minimum Allowance Amount on the Calculation Date, the Company shall take or cause to be taken all action necessary to increase the ACL to an
amount equal to the Minimum Allowance Amount and any such increase shall be accounted for in the calculation of Transaction Costs. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.22 <U>Termination of ESOP</U>. Effective as of the Business Day immediately before the Closing, the ESOP shall be terminated
(the &#8220;ESOP Termination Date&#8221;) in accordance with the requirements of the ESOP plan and trust document provisions and applicable law (including but not limited to the freezing of ESOP participation and full vesting of participants). The
Company or its Subsidiaries shall direct the repayment of any outstanding ESOP debt in full (including ESOP loan(s) and accrued interest) by directing the ESOP trustee to first use any cash remaining in the suspense account to repay such ESOP debt
and then, if and as necessary, to remit a sufficient number of suspense shares back to the Company to repay any remaining ESOP debt in full, with each remitted share to be valued at the Merger Consideration or, if necessary for fiduciary purposes, a
valuation of the Company Stock. All remaining shares of Company Stock held by the ESOP which had been unallocated (or the proceeds from the sale thereof, if applicable) as of the Effective Time shall be allocated among the accounts of the ESOP
participants with undistributed account balances at the Effective Time who are employed by Iroquois Federal Savings and Loan Association at the Effective Time, and in proportion to the balances credited to their accounts as of the end of the
immediately previous plan year. The Company or its Subsidiaries will adopt such amendments to the ESOP (which shall be provided to Parent at least five (5)&nbsp;Business Days prior to adoption for Parent&#8217;s review and approval, such approval
not to be unreasonably conditioned, withheld or delayed) to effect the provisions of this Section&nbsp;5.22. Notwithstanding anything herein to the contrary, Iroquois Federal Savings and Loan Association will continue to accrue and make
contributions to the ESOP from the date of this Agreement through the ESOP Termination Date in an amount sufficient for the trustee to make loan payments that become due in the ordinary course on the outstanding loan to the ESOP prior to the
termination of the ESOP and shall make a pro rata payment on the ESOP loan for any year in which the Closing occurs (if the Closing occurs prior to June 30) through and including the end of the calendar month immediately preceding the Closing, prior
to the termination of the ESOP. The Company shall not amend the ESOP (other than as necessary to terminate it or as required by law) between the date of this Agreement and the Effective Time to accelerate the time of any distribution under the ESOP.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.23 <U>Termination of Specified Employee Plans</U>. The Company will take all action necessary to terminate the Employee
Plans listed on <I><U>Confidential Schedule</U></I><I><U></U></I><I><U>&nbsp;5.23</U></I> (collectively, the &#8220;<U>Specified Employee Plans</U>&#8221;) effective immediately before the Effective Time and to pay any amounts provided for under
such Specified Employee Plans or as set forth on <I><U>Confidential Schedule 5.23</U></I> as promptly as practicable on or following the Effective Time in accordance with Section&nbsp;409A of the Code </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.24 <U>Section 280G Covenant</U>. If a &#8220;disqualified individual&#8221; (within the meaning of Section&nbsp;280G(c) of the
Code) is entitled to receive a payment and/or benefit that is reasonably expected to be a &#8220;parachute payment&#8221; (within the meaning of Section&nbsp;280G(b)(2) of the Code) in connection with the Merger, the Company shall take such
reasonable efforts to eliminate or reduce the Taxes that may be imposed under Section&nbsp;4999 of the Code, including relying on a report of an independent valuation appraiser (the &#8220;<U>280G Valuation</U>&#8221;) that all or any portion of
such payments or benefits constitute &#8220;reasonable compensation&#8221; as described in Treasury Regulations s. <FONT STYLE="white-space:nowrap">1.280G-1,</FONT> Q&amp;A 42. The 280G Valuation shall be subject to Parent&#8217;s review and
approval, with such approval not to be unreasonably withheld. For these purposes, the Parties agree to cooperate to the extent necessary to restructure any such benefits or payments as may be reasonably necessary to satisfy the conditions of such
regulation. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.25 <U>Termination of Certain Agreements</U>. The Company shall use
commercially reasonable efforts, including notifying appropriate parties and negotiating in good faith a reasonable settlement, to ensure that, if requested by Parent in writing, each contract listed on <I><U>Confidential Schedule 5.25</U></I>
shall, if the Merger occurs, be terminated at or after the Effective Time as specified in <I><U>Confidential Schedule 5.25</U></I>; <I>provided</I>, <I>however</I>, that until the thirtieth (30th) calendar day prior to Closing, Parent shall have the
right to add to <I><U>Confidential Schedule 5.25</U></I> any data processing contracts and contracts related to the provision of electronic banking services of the Company or its Subsidiaries not then listed on <I><U>Confidential Schedule
5.25</U></I> if, and only if, such contract had not been made available to Parent prior to the date of this Agreement; <I>provided further</I>, that any and all costs, fees, expenses, contract payments, penalties or liquidated damages necessary to
be paid by the Company or its Subsidiaries in connection with the termination of any such contract to be terminated shall be accrued or paid by the Company on or prior to the Calculation Date. For the avoidance of doubt, neither Parent nor Servbank
shall pay or be responsible for the payment of any costs, fees, expenses, contract payments, penalties, termination fees, or liquidated damages in connection with the termination of any contract subject to this
<U>Section</U><U></U><U>&nbsp;5.25</U>. Such notice and actions by the Company and its Subsidiaries shall be in accordance with the terms of such contracts. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.26 <U>Transition; Informational Systems Conversion</U>. From and after the date of this Agreement, Parent and the Company shall
use their commercially reasonable efforts to facilitate the integration of the Company with the business of Parent following consummation of the transactions contemplated by this Agreement, and shall meet on a regular basis to discuss and plan for
the conversion of the data processing and related electronic informational systems of the Company and each of its Subsidiaries (the &#8220;<U>Information Systems Conversion</U>&#8221;) to those used by Parent, which planning shall include, but not
be limited to: (a)&nbsp;discussion of third-party service provider arrangements of the Company and each of its Subsidiaries; <FONT STYLE="white-space:nowrap">(b)&nbsp;non-renewal,</FONT> after the Effective Time, of personal property leases and
software licenses used by the Company and each of its Subsidiaries in connection with systems operations; (c)&nbsp;retention of outside consultants and additional employees to assist with the conversion; (d)&nbsp;outsourcing, as appropriate after
the Effective Time, of proprietary or self-provided system services; and (e)&nbsp;any other actions necessary and reasonably appropriate to facilitate the conversion, as soon as practicable following the Effective Time;&nbsp;provided,&nbsp;however,
that Company shall not be required to take any actions or provide any information pursuant to this<U>&nbsp;Section 5.26</U> that would, in the Company&#8217;s reasonable determination, violate applicable federal, state or local statutes, Laws,
regulations, ordinances, rules, judgments, orders or decrees related to data protection or privacy. Parent shall promptly reimburse the Company for any reasonable
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> fees, expenses, or charges that Company may incur as a result of taking, at the request of Parent, any action to facilitate the Information Systems
Conversion. The Company and Parent shall take all actions and execute all further documents that are required to accomplish the foregoing in compliance with all applicable Laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.27 <U>Access to Customers and Suppliers</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <U>Access to Customers</U>. The Company and Parent shall work together to promote good relations between the Bank and its
customers and to retain and grow the Bank customer relationships prior to and after the Effective Time. The Company and Parent agree that it may be advisable from and after the date of this Agreement for representatives of the Bank and/or of
Servbank to meet with the Bank customers to discuss the business combination and related transactions contemplated by this Agreement with the Bank customers. Meetings with the Bank customers shall only occur with the express, prior permission of the
Bank, shall be arranged solely by the Bank representatives, and shall be jointly attended by representatives of both the Bank and Servbank. Company, however, shall not be required to take any actions or provide any information
</P>
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pursuant to this <U>Section 5.27</U> that would, in the Company&#8217;s reasonable determination, violate applicable federal, state or local statutes, Laws, regulations, ordinances, rules,
judgments, orders or decrees related to data protection or privacy. Nothing in this <U>Section 5.27</U> shall be deemed to prohibit representatives of the Bank and Servbank to meet with and communicate with their respective customers that may also
be customers of the other party. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Access to Suppliers</U>. From and after the date of this Agreement, the Company
shall, upon Parent&#8217;s reasonable request, introduce Parent and its representatives to suppliers of the Company and its Subsidiaries for the purpose of facilitating the integration of the Company and its business into that of Parent. Any
interaction between Parent and the Company&#8217;s suppliers shall be coordinated by the Company. The Company shall have the right to participate in any discussions between Parent and the Company&#8217;s suppliers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.28 <U>Shareholder Litigation and Claims</U>. In the event that any shareholder litigation related to this Agreement or the
Merger or the other transactions contemplated by this Agreement is brought or, to the Company&#8217;s Knowledge, threatened, against the Company and/or the members of the board of directors of the Company prior to the Effective Time, the Company
shall consult with Parent regarding the defense or settlement of the litigation, and no such settlement shall be agreed to without Parent&#8217;s prior written consent (not to be unreasonably withheld, conditioned or delayed). The Company shall
(i)&nbsp;promptly notify Parent of any shareholder litigation brought, or threatened, against the Company and/or members of the board of directors of the Company, (ii)&nbsp;keep Parent reasonably informed with respect to the litigation&#8217;s
status; <U>provided</U>,&nbsp;<U>however</U>, that no information need to be provided if doing so would jeopardize the attorney-client privilege or contravene any Law or binding agreement entered into prior to the date of this Agreement, and
(iii)&nbsp;give Parent the opportunity to participate at its own expense in the defense or settlement of any shareholder litigation. The Company shall select counsel to represent Company in any such shareholder litigation after consultation with
Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;5.29 <U>Coordination</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Company and the Bank shall take any actions Parent may reasonably request prior to the Effective Time to facilitate the
consolidation of the operations of the Bank with Servbank, including, without limitation, the preparation and filing of all documentation that is necessary or desirable to obtain all permits, consents, approvals and authorizations of third parties
or Governmental Authorities to close and/or consolidate any Servbank or the Bank branches or facilities and furnishing information and otherwise cooperating with Parent in the marketing and sale to third parties, contingent on the Effective Time, of
any owned or leased real property or tangible property associated with any such branches or facilities. The Company shall give reasonable consideration to Parent&#8217;s input regarding the matters reflected in this <U>Section 5.29</U>. The Company
and the Bank shall permit representatives of Servbank to be onsite at the Bank during normal business hours to facilitate consolidation of operations and assist with any other coordination efforts as necessary. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Upon Parent&#8217;s reasonable request and consistent with GAAP, the rules and regulations of the SEC and applicable
banking Laws and regulations, (i)&nbsp;each of the Company and its Subsidiaries shall modify or change its loan, OREO, accrual, reserve, tax, litigation, and real estate valuation policies and practices (including loan classifications and levels of
reserves) so as to be applied on a basis that is consistent with that of Parent and (ii)&nbsp;the Company shall make such accruals under the Employee Plans as Parent may reasonably request to reflect the benefits payable under such Employee Plans
upon the completion of the Merger. Notwithstanding the foregoing, no such modifications, changes, or divestitures of the type described in this <U>Section 5.29</U><U>(b)</U> need be made prior to the receipt of all necessary regulatory approvals and
approval by the Company&#8217;s </P>
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shareholders as set forth in this Agreement, and shall be made only in the quarter within which Closing occurs; <U>provided</U>,<U>&nbsp;however</U>, that no modifications, changes, or
divestitures of the type described in this <U>Section 5.29(b)</U> shall result in any change to Company&#8217;s SEC filings, Consolidated Financial Statements for Bank Holding Companies, or Reports of Conditions and Statements of Income or call into
question the validity of the filings made and certifications given under this Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The Company and the Bank
shall, consistent with GAAP and regulatory accounting principles, use their commercially reasonable efforts to implement at Parent&#8217;s request internal control procedures which are consistent with Parent&#8217;s and Servbank&#8217;s current
internal control procedures to allow Parent to fulfill its reporting requirement under Section&nbsp;404 of the Sarbanes-Oxley Act; <U>provided</U>,<U>&nbsp;however</U>, that no such modifications, changes, or divestitures need be made prior to the
receipt of all necessary regulatory approvals and approval by the Company&#8217;s shareholders as set forth in this Agreement, and shall be made only in the quarter within which Closing occurs, <U>provided</U>,<U>&nbsp;further</U>, that no
modifications, changes, or divestitures of the type described in this <U>Section 5.29(c)</U>&nbsp;shall result in any change to the Company&#8217;s SEC filings, Consolidated Financial Statements for Bank Holding Companies, or Reports of Conditions
and Statements of Income or call into question the validity of the filings made and certifications given under this Agreement. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) No accrual or reserve or change in policy or procedure made by the Company or any of its Subsidiaries pursuant to this
<U>Section 5.29</U> shall constitute or be deemed to be a breach, violation, of or failure to satisfy any representation, warranty, covenant, agreement, condition, or other provision of this Agreement or otherwise be considered in determining
whether any such breach, violation, or failure to satisfy shall have occurred. The recording of any such adjustment shall not be deemed to imply any misstatement of previously furnished financial statements or information and shall not be construed
as concurrence of the Company or its management with any such adjustments. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) Subject to <U>Section 5.29(b)</U> of this
Agreement, Parent and the Company shall reasonably cooperate (i)&nbsp;to minimize any potential adverse impact to Parent under ASC 805, and (ii)&nbsp;to maximize potential benefits to Parent and its Subsidiaries under Section&nbsp;382 of the Code in
connection with the transactions contemplated by this Agreement, in each case consistent with GAAP, the rules and regulations of the SEC, and applicable banking Law. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COVENANTS OF
PARENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.01 <U>Commercially Reasonable Efforts</U>. Parent shall use its respective commercially reasonable efforts to
perform and fulfill all conditions and obligations on its part to be performed or fulfilled under this Agreement and to cause the consummation of the transactions contemplated hereby in accordance with the terms and conditions of this Agreement.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.02 <U>Regulatory Filings</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Parent, at its own expense, with the cooperation of the Company, at its own expense, shall promptly file (and in any event
within forty-five (45)&nbsp;calendar days after the date hereof) applications for all regulatory approvals required to be obtained by Parent in connection with this Agreement and the transactions contemplated hereby, including but not limited to the
necessary applications for the prior approval of the Merger, the Second Merger and the Bank Merger by the Federal Reserve, the OCC, the IDOI and the Arizona Department of Insurance and Financial Institutions (&#8220;<U>AZDIFI</U>&#8221;). </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Prior to filing such applications, Parent shall provide the Company
drafts of the public portions of the applications for the Company to review and comment upon, and Parent shall use its commercially reasonable efforts to incorporate into such applications and other documents any reasonable comments or changes
suggested by the Company; <I>provided, however</I>, that the Company shall have no more than five (5)&nbsp;Business Days to review and provide comments upon such applications. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If Parent becomes aware prior to the Effective Time of any information that would cause any of the statements in the
applications and filings contemplated by this <U>Section</U><U></U><U>&nbsp;6.02</U> to be false or misleading with respect to any material fact, or to omit to state any material fact necessary to make the statements therein not false or misleading,
Parent shall promptly inform the Company thereof and take the necessary steps to correct such applications and filings. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Parent shall keep the Company reasonably informed as to the status of such applications and filings and shall notify it
promptly of any developments that reasonably could significantly delay the completion of the Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.03 <U>Information
Furnished by Parent</U>. Parent shall promptly following receipt of a written request from the Company furnish or cause to be furnished to the Company, all information concerning Parent and Merger Sub required for inclusion in any statement or
application made or filed by the Company to any governmental body in connection with the transactions contemplated by this Agreement or in connection with any unrelated transactions during the pendency of this Agreement, including, but not limited
to the Proxy Statement. Parent represents and warrants that all information so furnished shall be true and correct in all material respects and shall not omit any material fact required to be stated therein or necessary to make the statements made,
in light of the circumstances under which they were made, not misleading. Parent shall otherwise reasonably cooperate with the Company in the filing of any applications or other documents necessary to consummate 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">Section&nbsp;6.04 <U>Untrue Representations</U>. Parent shall promptly notify the Company in writing if Parent becomes aware
of any fact or condition that makes untrue, or shows to have been untrue, in any material respect, any schedule or any other information furnished to the Company or any representation or warranty made in or pursuant to this Agreement or that results
in the failure of Parent to comply with any covenant, condition or agreement contained in this Agreement in all material respects. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.05 <U>Litigation and Claims</U>. Parent shall promptly notify the Company of any legal action, suit or proceeding or judicial,
administrative or governmental investigation, pending or, to the Knowledge of Parent, threatened against Parent or any Subsidiary of Parent that questions or might question the validity of this Agreement or the agreements contemplated hereby, or any
actions taken or to be taken by Parent or any Subsidiary of Parent pursuant hereto or thereto or seeks to enjoin or otherwise restrain the transactions contemplated hereby or thereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.06 <U>Material Adverse Changes</U>. Parent shall promptly notify the Company in writing if any change or development shall have
occurred or, to the Knowledge of Parent, been threatened (or any development shall have occurred or been threatened involving a prospective change) that (a)&nbsp;is reasonably likely to have, individually or in the aggregate, a Material Adverse
Change on Parent, (b)&nbsp;would adversely affect, prevent or delay the obtaining of any regulatory approval for the consummation of the transactions contemplated by this Agreement or (c)&nbsp;would cause the conditions in
<U>Article</U><U></U><U>&nbsp;VII</U> not to be satisfied. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.07 <U>Disclosure Schedules</U>. At least ten (10)&nbsp;days prior to the
Closing, Parent agrees to provide the Company with supplemental disclosure schedules reflecting any material changes thereto between the date of this Agreement and the Closing Date. Delivery of such supplemental disclosure schedules shall not cure a
breach or modify a representation or warranty of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.08 <U>Employee Benefit Plans and Employee Matters</U>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Following the Closing Date,&nbsp;Parent&nbsp;may choose to maintain any or all of the Employee Plans&nbsp;in its sole
discretion, subject to the next sentence of this <U>Section 6.08(a)</U>. For any Employee Plan terminated for which there is a comparable Parent or Servbank benefit plan of general applicability (the &#8220;<U>Parent Benefit
Plans</U>&#8221;),&nbsp;any current or former employee of the Company or any of its Subsidiaries who remains in the active employment of Parent or Servbank after the Closing Date (the &#8220;<U>Continuing Employees</U>&#8221;)&nbsp;shall be entitled
to participate in such Parent Benefit Plan (excluding any severance, defined benefit pension, deferred compensation, equity-based, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">change-in-control,</FONT></FONT> retention and/or
transaction-based plans, programs or arrangements) to the same extent as similarly-situated employees of&nbsp;Parent or&nbsp;Servbank&nbsp;(it being understood that inclusion of&nbsp;Continuing Employees&nbsp;in&nbsp;Parent Benefit Plans&nbsp;may
occur, if at all, at different times). The Company&nbsp;shall be solely responsible, and Parent and Servbank shall have no obligations whatsoever, for any bonus compensation (earned or otherwise) payable to any current or former employee of the
Company or any of its Subsidiaries for any period on or prior to the Closing Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Continuing Employees&nbsp;(other
than those who are parties to an employment, change of control, retention or other similar type of agreement or arrangement which provides for severance or other payments or benefits upon termination) whose employment is terminated by&nbsp;Parent
(absent termination for cause as determined by the employer) during the <FONT STYLE="white-space:nowrap">two-year</FONT> period after the&nbsp;Effective Time&nbsp;shall, subject to the execution by each Continuing Employee of a standard release in
favor of&nbsp;Parent&nbsp;and&nbsp;Servbank, receive severance in accordance with the Iroquois Federal Savings and Loan Association Officer and Employee Change in Control Severance Plan as in effect immediately prior to the Effective Time. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The provisions of this <U>Section 6.08</U>&nbsp;are for the sole benefit of the parties and nothing herein, expressed or
implied, is intended or shall be construed to confer upon or give to any person (including, for the avoidance of doubt, any Continuing Employee or other current or former employee of the Company or any of its Subsidiaries), other than the parties
and their respective permitted successors and assigns, any legal or equitable or other rights or remedies (including with respect to the matters provided for in this <U>Section 6.08</U>) under or by reason of any provision of this Agreement. Nothing
in this <U>Section 6.08</U>&nbsp;amends, or shall be deemed to amend (or prevent the amendment or termination of), any Employee Plan or any employee benefit plan of Parent or any of its Affiliates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.09 <U>No Control of the Company</U><U>&#8217;</U><U>s Business</U>. Nothing contained in this Agreement gives Parent or any of
their representatives or Affiliates, directly or indirectly, the right to control or direct the operations of the Company or the Bank prior to the Effective Time. Prior to the Effective Time, the Company shall exercise, consistent with the terms and
conditions of this Agreement, complete control and supervision over the operations of the Company and the Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.10
<U>Appointment to Board of Directors of Servbank</U>. Parent shall cause Servbank to, effective as of the Effective Time, take all actions required to appoint at least one (1)&nbsp;director of the Company to the board of directors of Servbank to
serve until the next annual meeting of Servbank&#8217;s shareholders. For avoidance of doubt, such director(s) shall be determined by Parent in its sole discretion. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.11 <U>Retention Agreements</U>. Parent shall use commercially reasonable
efforts to negotiate and execute Retention Agreements with the persons set forth on <I><U>Confidential Schedule 5.12</U></I>(<I><U>b) </U></I>prior to the Closing Date, but shall have no responsibility or obligation if such persons elect not to
enter into the Retention Agreements. Notwithstanding the foregoing, the failure for any Retention Agreement to be executed shall not be deemed a Material Adverse Change with respect to either party hereto and shall not serve as a basis for the
termination of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;6.12 <U>Incorporation and Organization of Merger Sub</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) As soon as practicable after the date hereof, but in any event prior to the Effective Time, Parent shall incorporate, or
shall cause the incorporation of, Merger Sub under the laws of the State of Maryland. Before the Effective Time, Parent shall cause Merger Sub not to take any action or execute any agreement, document or certificate except as contemplated by this
Agreement and the other agreements contemplated hereby. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) As soon as practicable after the date hereof, but in any event
prior to the Effective Time, Parent shall cause Merger Sub to join in and become party this Agreement pursuant to terms and conditions to be mutually agreed upon by Parent and the Company, and Parent shall cause Merger Sub to perform all of its
obligations under this Agreement. Upon formation, Merger Sub shall issue all authorized shares of its common stock to Parent, and Parent, as the sole shareholder of Merger Sub, shall vote all the outstanding shares of common stock of Merger Sub in
favor of this Agreement. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE COMPANY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The obligations of the Company under this Agreement are subject to the satisfaction, prior to or at the Closing, of each of the following
conditions, which may be waived in whole or in part by the Company: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.01 <U>Representations and Warranties</U>. The
representations and warranties of Parent set forth in (i) <U>Section 4.15</U> (after giving effect to the <FONT STYLE="white-space:nowrap">lead-in</FONT> to <U>Article IV</U>) shall be true and correct as of the date of this Agreement and as of the
Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date), and (ii) <U>Section 4.01</U> and
<U>Section</U><U></U><U>&nbsp;4.02 </U>of this Agreement (in each case, after giving effect to the <FONT STYLE="white-space:nowrap">lead-in</FONT> to <U>Article IV</U>) shall be true and correct in all material respects as of the date of this
Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date). All other representations of Parent set
forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Change set forth in such representations or warranties but, in each case, after giving effect to the
<FONT STYLE="white-space:nowrap">lead-in</FONT> to <U>Article IV</U>) shall be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such
representations and warranties speak as of an earlier date, in which case as of such earlier date); <U>provided</U>,<U>&nbsp;however</U>, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct
unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Change set forth in such
representations or warranties, has had or would reasonably be likely to have a Material Adverse Change on Parent. Company shall have received a certificate, dated as of the Closing Date, signed on behalf of Parent by an appropriate executive officer
Parent to the foregoing 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">Section&nbsp;7.02 <U>Performance of Obligations</U>. Parent shall have performed and
complied with all of its covenants and other obligations under this Agreement in all material respects at or prior to the Closing Date, and the Company shall have received a certificate, dated as of the Closing Date, signed on behalf of Parent by an
appropriate executive officer of Parent to that effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.03 <U>Shareholder Approval</U>. Each of this Agreement and the
Merger shall have been approved by the Requisite Company Approval and to the extent required by the MGCL and the Company Constituent Documents. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.04 <U>Government and Other Approvals</U>. The Company and the Bank having received all approvals, acquiescences or consents of
the transactions contemplated by this Agreement from all necessary Governmental Entities, the failure of which to be received would reasonably be expected to have, either individually or in the aggregate, a Material Adverse Change on the Surviving
Corporation, no such approvals, acquiescences or consents shall have resulted in the imposition of any Materially Burdensome Regulatory Condition, and all applicable waiting periods having expired. Further, the approvals and the transactions
contemplated hereby not having been contested or threatened to be contested by any federal or state Governmental Entity or by any other third party by formal proceedings. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.05 <U>No Litigation</U>. No action having been taken, and no statute, rule, regulation or Order being promulgated, enacted,
entered, enforced or deemed applicable to this Agreement or the transactions contemplated hereby by any federal, state or foreign government or Governmental Entity or by any court, including the entry of a preliminary or permanent injunction, which,
if successful, would (a)&nbsp;make the Agreement or any other agreement contemplated hereby, or the transactions contemplated hereby or thereby illegal, invalid or unenforceable, (b)&nbsp;impose material limits on the ability of any party to this
Agreement to complete the Agreement or any other agreement contemplated hereby, or the transactions contemplated hereby or thereby, or (c)&nbsp;if the Agreement or any other agreement contemplated hereby, or the transactions contemplated hereby or
thereby are completed, subject the Company or its Subsidiaries or any officer, director, shareholder or employee of the Company or its Subsidiaries to criminal or civil liability. Further, no action or proceeding prior to any court or Governmental
Entity, by any government or Governmental Entity or by any other Person is threatened, instituted or pending that would reasonably be expected to result in any of the consequences referred to in clauses (a)&nbsp;through (c) above. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.06 <U>Delivery of Closing Documents</U>. The Company shall have received all documents required to be received from Parent on
or prior to the Closing Date as set forth in <U>Section</U><U></U><U>&nbsp;2.03</U> hereof, all in form and substance reasonably satisfactory to the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.07 <U>No Material Adverse Change</U>. There having been no Material Adverse Change with respect to, or material liability of
Parent since June&nbsp;30, 2025. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;7.08 <U>Delivery of Total Cash Consideration</U>. Parent shall have delivered the Total
Cash Consideration to the Exchange Agent pursuant to <U>Section</U><U></U><U>&nbsp;1.08(a)</U> hereof, and the Exchange Agent shall provide a certificate evidencing such delivery. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONDITIONS
PRECEDENT TO THE OBLIGATIONS OF PARENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All obligations of Parent under this Agreement are subject to the satisfaction, prior to or at
the Closing, of each of the following conditions, which may be waived in whole or in part by such parties. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.01 <U>Representations and Warranties</U>. The representations and warranties
of the Company set forth in (i) <U>Sections 3.03</U>,<U>&nbsp;3.10</U>&nbsp;and <U>3.45</U>&nbsp;of this Agreement (in each case after giving effect to the <FONT STYLE="white-space:nowrap">lead-in</FONT> to <U>Article III</U>) shall be true and
correct (other than, in the case of <U>Section 3.03</U>&nbsp;of this Agreement, such failures to be true and correct as are de minimis) in each case as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing
Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date) and (ii) <U>Sections 3.01</U>,<U>&nbsp;3.02</U>,<U> 3.32</U> and <U>3.44</U> of this Agreement (in each case, after
giving effect to the <FONT STYLE="white-space:nowrap">lead-in</FONT> to <U>Article III</U>) shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date
(except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date). All other representations of the Company set forth in this Agreement (read without giving effect to any qualification as
to materiality or Material Adverse Change set forth in such representations or warranties but, in each case, after giving effect to the <FONT STYLE="white-space:nowrap">lead-in</FONT> to <U>Article III</U>) shall be true and correct in all respects
as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties speak as of an earlier date, in which case as of such earlier date);
<U>provided</U>,<U>&nbsp;however</U>, that for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct,
either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Change set forth in such representations or warranties, has had or would reasonably be likely to have a Material Adverse
Change on the Company. Parent shall have received a certificate, dated as of the Closing Date, signed on behalf of the Company by an appropriate executive officer of the Company to the foregoing effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.02 <U>Performance of Obligations</U>. The Company shall have performed and complied with all of its covenants and other
obligations under this Agreement in all material respects at or prior to the Closing Date, and Parent shall have received a certificate, dated the Closing Date, signed on behalf of the Company by an appropriate executive officer of the Company to
that effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.03 <U>Shareholder Approvals</U>. Each of this Agreement and the Merger shall have been approved by the
Requisite Company Approval. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.04 <U>Government and Other Approvals</U>. Parent having received approvals, acquiescences or
consents of the transactions contemplated by this Agreement from all necessary Governmental Entities and from the third parties listed on <I><U>Confidential Schedule 2.02(l)</U></I>, the failure of which to be received would reasonably be expected
to have, either individually or in the aggregate, a Material Adverse Change on the Surviving Corporation, no such approvals, acquiescences or consents shall have resulted in the imposition of any Materially Burdensome Regulatory Condition, and all
applicable waiting periods having expired. Further, the approvals and the transactions contemplated hereby not having been contested or threatened to be contested by any federal or state Governmental Entity or by any other third party by formal
proceedings. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.05 <U>No Litigation</U>. No action having been taken, and no statute, rule, regulation or Order being
promulgated, enacted, entered, enforced or deemed applicable to this Agreement or the transactions contemplated hereby by any federal, state or foreign government or Governmental Entity or by any court, including the entry of a preliminary or
permanent injunction, which, if successful, would (a)&nbsp;make the Agreement or any other agreement contemplated hereby, or the transactions contemplated hereby or thereby illegal, invalid or unenforceable, (b)&nbsp;require the divestiture of a
material portion of the assets of Parent or its Subsidiaries, or (c)&nbsp;impose material limits on the ability of any party to this Agreement to complete the Agreement or any other agreement contemplated hereby, or the transactions contemplated
hereby or thereby, or (d)&nbsp;if the Agreement or any other agreement contemplated hereby, or the transactions contemplated hereby or thereby are completed, subject Parent or any officer, director, shareholder or employee of the Company to criminal
or civil liability. Further, no action or proceeding prior to any court or Governmental Entity, by any government or Governmental Entity or by any other Person is threatened, instituted or pending that would reasonably be expected to result in any
of the consequences referred to in clauses (a)&nbsp;through (d) above. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.06 <U>No Material Adverse Change</U>. There shall not have been a Material
Adverse Change to the Company since June&nbsp;30, 2025. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.07 <U>Tail Coverage</U>. The Company shall have procured and paid
for the Tail Coverage prior to Closing in accordance with the terms and subject to the conditions of <U>Section</U><U></U><U>&nbsp;5.19</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.08 <U>Delivery of Closing Documents</U>. Parent shall have received all documents required to be received from the Company on
or prior to the Closing Date as set forth in <U>Section</U><U></U><U>&nbsp;2.02</U> hereof, all in form and substance reasonably satisfactory to Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.09 <U>Employment Agreements</U>. The Existing Employment Agreements shall have terminated immediately prior to the Effective
Time as contemplated by <U>Section</U><U></U><U>&nbsp;5.12(a)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.10 <U>Ancillary Agreements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Each of the Director Support Agreements shall be and remain in full force and effect. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Each of the Releases duly executed by the directors and executive officers of the Company of the Bank set forth on
<I><U>Confidential Schedule 8.10(b)</U></I> shall be and remain in full force and effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.11 <U>Director Resignations</U>.
On or prior to the Closing Date, Parent having received resignations from each of the members of the boards of directors of the Company and the Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.12 <U>Termination of </U><U>ESOP</U>. The Company shall have taken all action necessary to terminate the ESOP effective
immediately before the Effective Time, and shall have paid all termination fees, or accrued for same, if any, associated with the termination prior to the Effective Time and repaid all outstanding ESOP loans prior to the Effective Time in accordance
with <U>Section 5.22</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.13 <U>Termination of Specified Employee Plans</U>. The Company shall have taken all action
necessary to terminate the Specified Employee Plans effective immediately before the Effective Time, and shall have paid all termination fees, or accrued for same, if any, in accordance with <U>Section 5.23</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;8.14 <U>No Appraisal Rights</U>. The Company Board shall have not authorized appraisal rights for holders of Company Stock as
provided for under Title 3, Subtitle 2 of the MGCL.</P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IX </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TERMINATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.01 <U>Right of Termination</U>. This Agreement and the transactions contemplated hereby may be terminated at any time,
notwithstanding the approval thereof by the shareholders of the Company, prior to the Effective Time as follows, and in no other manner: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) by the mutual written consent of Parent and the Company; </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) by either the Company or Parent: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) as long as the terminating party is not in material breach of any representation, warranty, covenant or other agreement
contained herein, if the conditions precedent to such parties&#8217; obligations to close specified in <U>Article</U><U></U><U>&nbsp;VII</U> and <U>Article</U><U></U><U>&nbsp;VIII</U>, respectively, hereof have not been met or waived by
August&nbsp;31, 2026 (&#8220;<U>End Time</U>&#8221;); <I>provided</I>, <I>however</I>, that if such conditions precedent have not been met or waived solely because approval to consummate the transactions contemplated by this Agreement has not been
received from a Governmental Entity, then such End Time may be extended by either party without the consent of the other parties to this Agreement for a period not to exceed sixty (60)&nbsp;days; <I>provided further</I>, that such End Time or
extension thereof may be further extended to such later date as mutually agreed upon by the parties hereto; <I>provided further, however</I>, that the right to terminate this Agreement under this <U>Section</U><U></U><U>&nbsp;9.01(b)</U> shall not
be available to any party whose action or failure to act has been the primary cause of or resulted in the failure of the Closing to occur on or before such date; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) if any of the transactions contemplated by this Agreement are disapproved by any Regulatory Agency whose approval is
required to complete such transactions or if any court of competent jurisdiction in the United States or other federal or state governmental body has issued an Order, decree or ruling or taken any other action restraining, enjoining, invalidating or
otherwise prohibiting the Agreement or the transactions contemplated hereby, including an instruction or request to withdraw any regulatory application contemplated by <U>Section</U><U></U><U>&nbsp;6.05</U> of this Agreement, and such disapproval,
Order, decree, ruling, withdrawal or other action is final and nonappealable, and in the case of a withdrawal was not made solely to facilitate application processing on delegated authority or otherwise to achieve a more expeditious processing of
any regulatory application; <I>provided</I>, <I>however</I>, that the party seeking to terminate this Agreement pursuant to this <U>Section</U><U></U><U>&nbsp;9.01(b)(ii)</U> shall have used its commercially reasonable efforts to contest, appeal and
remove such disapproval, Order, decree, ruling or other action; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) if there has been any Material Adverse Change with
respect to the other party; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iv) if this Agreement and the Merger are not approved by the required vote of shareholders
of the Company at the Shareholders&#8217; Meeting, or at any adjournment or postponement thereof; <I>provided</I>, <I>however</I>, that neither the Company nor Parent may terminate this Agreement pursuant to this
<U>Section</U><U></U><U>&nbsp;9.01(b)(iv)</U> if such party has breached in any material respect any of its obligations under this Agreement, in the Company&#8217;s case in a manner that caused the failure to obtain the approval of the Company
shareholders at the Shareholders&#8217; Meeting, or at any adjournment or postponement thereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) by Parent: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) if there shall have been a breach of any of the covenants or agreements or any of the representations or warranties (or any
such representation or warranty shall cease to be true and correct) set forth in this Agreement on the part of the Company or any other agreement contemplated hereby, which breach or failure to be true and correct, either individually or in the
aggregate with all other breaches (or failures of such representations and warranties to be true and correct), would constitute, if occurring or continuing on the Closing Date, the failure of the conditions set forth in
<U>Section</U><U></U><U>&nbsp;8.01</U> or <U>Section</U><U></U><U>&nbsp;8.02</U>, as the case may be; <I>provided</I>, that the right to terminate this Agreement under this <U>Section</U><U></U><U>&nbsp;9.01(c)</U> shall not be available to Parent
if it is then in material breach of any of its representations, warranties, covenants or agreements set forth in this Agreement. If Parent desires to terminate this Agreement because of an alleged breach or inaccuracy as provided in this
<U>Section</U><U></U><U>&nbsp;9.01(c)</U>, then it must notify the Company in writing of its intent to terminate stating the reason therefor. The Company shall have thirty (30)&nbsp;days from the receipt of such notice to cure the alleged breach or
failure to be true and correct, if the breach or failure to be true and correct is capable of being cured; or </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) if the Company Board shall have effected a Company Adverse
Recommendation Change or willfully breached its obligations under <U>Sections 5.02</U> or <U>5.16</U> in any material respect; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) by the Company: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) if there shall have been a breach of any of the covenants or agreements or any of the representations or warranties (or any
such representation or warranty shall cease to be true and correct) set forth in this Agreement on the part of Parent or any other agreement contemplated hereby, which breach or failure to be true and correct, either individually or in the aggregate
with all other breaches (or failures of such representations and warranties to be true and correct), would constitute, if occurring or continuing on the Closing Date, the failure of the conditions set forth in <U>Section</U><U></U><U>&nbsp;7.01</U>
or <U>Section</U><U></U><U>&nbsp;7.02</U>, as the case may be; provided, that the right to terminate this Agreement under this <U>Section</U><U></U><U>&nbsp;9.01(d)</U> shall not be available to the Company if it is then in material breach of any of
its representations, warranties, covenants or agreements set forth in this Agreement. If the Company desires to terminate this Agreement because of an alleged breach or failure to be true and correct as provided in this
<U>Section</U><U></U><U>&nbsp;9.01(d)</U>, then it must notify Parent in writing of its intent to terminate stating the reason therefor. Parent shall have thirty (30)&nbsp;days from the receipt of such notice to cure the alleged breach or failure to
be true and correct, if the breach or failure to be true and correct is capable of being cured; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) if terminated
prior to obtaining the Requisite Company Approval, and subject to the terms and conditions of <U>Sections 7</U>, in order to accept a Superior Proposal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.02 <U>Notice of Termination</U>. The power of termination provided for by <U>Section</U><U></U><U>&nbsp;9.01</U> hereof may be
exercised only by a notice given in writing, as provided in <U>Section</U><U></U><U>&nbsp;10.07</U> of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;9.03
<U>Effect of Termination</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) If this Agreement is terminated pursuant to the provisions of
<U>Section</U><U></U><U>&nbsp;9.01</U> hereof, then no party to this Agreement shall have any further liability or obligation under this Agreement; <I>provided</I>, <I>however</I>, that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) no such termination shall relieve any party hereto of any liability or damages resulting from any willful breach of this
Agreement or actual fraud; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) the provisions of this <U>Section</U><U></U><U>&nbsp;9.03</U>, and <U>Article X</U>
(other than <U>Section</U><U></U><U>&nbsp;10.05</U>) shall survive any such termination; and </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If this Agreement is terminated: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) by Parent pursuant to <U>Section</U><U></U><U>&nbsp;9.01(c)(ii)</U>, then the Company shall pay to Parent, by wire transfer
of same day funds, a termination fee equal to the sum of: (A)&nbsp;$2,694,000, plus (B)&nbsp;the total amount of any documented costs incurred by Parent in connection with the transactions contemplated by this Agreement, up to, but not to exceed,
$898,000 ((A) and (B)&nbsp;together, the &#8220;<U>Termination Fee</U>&#8221;), within two (2)&nbsp;Business Days of receipt of such written notice of termination from Parent; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) in the event that after the date of this Agreement and prior to the termination of this Agreement, (A)&nbsp;the Company
shall have received a bona fide Acquisition Proposal from any Person (other than the parties hereto), and (B)&nbsp;thereafter this Agreement is terminated (1)&nbsp;by either Parent or the Company pursuant to
<U>Section</U><U></U><U>&nbsp;9.01(b)(i)</U>, (2) by Parent pursuant to <U>Section</U><U></U><U>&nbsp;9.01(c)(i)</U> or (3)&nbsp;by Parent or Company pursuant to <U>Section</U><U></U><U>&nbsp;9.01(b)(iv)</U>, and (C)&nbsp;prior to the date that is
twelve (12)&nbsp;months after the date of such termination, the Company enters into a definitive agreement or consummates a transaction with respect to such Acquisition Proposal, then the Company shall, on the earlier of the date it enters into such
definitive agreement and the date of consummation of such transaction, pay Parent, by wire transfer of same day funds, the Termination Fee; <I>provided</I>, <I>that</I>, solely for the purposes of this <U>Section</U><U></U><U>&nbsp;9.03(b)(ii)</U>,
the term &#8220;<U>Acquisition Proposal</U>&#8221; shall have the meaning ascribed thereto in <U>Section</U><U></U><U>&nbsp;10.11</U>, except that all references in such definition to 15% shall be changed to 50%; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) by either Party pursuant to Section<U>&nbsp;9.01(b)(iv)</U>, then the Company shall pay to Parent, by wire transfer of
same day funds, the total amount of any documented costs incurred by Parent in connection with the transactions contemplated by this Agreement within two (2)&nbsp;Business Days of receipt of written notice of such termination; <I>provided</I>,
<I>that</I>, the amount payable by the Company pursuant to this Section<U>&nbsp;9.03(b)(iii)</U> shall be capped at $400,000 (the &#8220;<U>Expense Reimbursement</U>&#8221;), and the Company shall have no obligation pursuant to this
Section<U>&nbsp;9.03(b)(iii)</U> to pay any amount in excess thereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Each party acknowledges that the agreements
contained in this <U>Section</U><U></U><U>&nbsp;9.03</U> are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, the other party would not enter into this Agreement. Accordingly, if the Company
fails to pay in a timely manner any amount due pursuant to <U>Section</U><U></U><U>&nbsp;9.03(b)</U>, then (i)&nbsp;the Company shall reimburse the Parent for all reasonable costs and expenses (including disbursements and reasonable fees of counsel)
incurred in the collection of such overdue amount, including in connection with any related claims, actions or proceedings commenced and (ii)&nbsp;the paying party shall pay to the <FONT STYLE="white-space:nowrap">non-paying</FONT> party interest on
such amount from and including the date payment of such amount was due to but excluding the date of actual payment at the prime rate set forth in <I><U>The Wall Street Journal</U></I> in effect on the date such payment was required to be made plus
2%. For the avoidance of doubt, in the event both the Expense Reimbursement and the Termination Fee are due and payable, the Company shall pay the Termination Fee, but not the Expense Reimbursement. In no event shall the Company be required to pay
both the Termination Fee and the Expense Reimbursement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) Except as set forth in
<U>Section</U><U></U><U>&nbsp;9.03(a)(i)</U>, the fees described in this <U>Section</U><U></U><U>&nbsp;9.03</U> shall be the exclusive remedy for a termination of the Agreement as specified in <U>Section</U><U></U><U>&nbsp;9.03</U> and shall be in
lieu of damages incurred in the event of any such termination of this Agreement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE X </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL PROVISIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.01 <U>Nonsurvival of Representations, Warranties, Covenants and Agreements</U>. The representations, warranties, covenants and
agreements (other than the Confidentiality Agreement, which shall survive in accordance with its terms) of the parties hereto contained in this Agreement shall terminate at the Closing, other than the covenants that by their terms are to be
performed after the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.02 <U>Expenses</U>. All fees and expenses incurred in connection with this Agreement
and the transactions contemplated hereby shall be paid by the party incurring such fees or expenses, whether or not the Merger is consummated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.03 <U>Entire Agreement</U>. This Agreement, the Second Merger Agreement, the Bank Merger Agreement, the Voting Agreement, the
Director Support Agreements, the Releases, the Parent Confidential Schedules, the Company Confidential Schedules, the Confidentiality Agreement and the other agreements, documents, schedules and instruments signed and delivered by the parties to
each other at the Closing are the full understanding of the parties, a complete allocation of risks between them and a complete and exclusive statement of the terms and conditions of their agreement relating to the subject matter hereof and
supersede any and all prior agreements, whether written or oral, that may exist between the parties with respect thereto. Except as otherwise specifically provided in this Agreement, no conditions, usage of trade, course of dealing or performance,
understanding or agreement purporting to modify, vary, explain or supplement the terms or conditions of this Agreement is binding unless hereafter made in writing and signed by the party to be bound, and no modification shall be effected by the
acknowledgment or acceptance of documents containing terms or conditions at variance with or in addition to those set forth in this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.04 <U>Binding Effect; Assignment</U>. All of the terms, covenants, representations, warranties and conditions of this
Agreement are binding upon, and inure to the benefit of and are enforceable by, the parties and their respective successors, representatives and permitted assigns. No party to this Agreement may assign this Agreement, by operation of law or
otherwise, in whole or in part, without the prior written consent of the other parties, and any purported assignment made or attempted in violation of this <U>Section</U><U></U><U>&nbsp;10.04</U> shall be null and void. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.05 <U>Further Cooperation</U>. The parties agree that they shall, at any time and from time to time after the Closing, upon
request by the other and without further consideration, do, perform, execute, acknowledge and deliver all such further acts, deeds, assignments, assumptions, transfers, conveyances, powers of attorney, certificates and assurances as may be
reasonably required in order to complete the transactions contemplated by this Agreement or to carry out and perform any undertaking made by the parties hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.06 <U>Severability</U>. Whenever possible, each provision or portion of any provision of this Agreement shall be interpreted
in such manner as to be effective and valid under applicable Law, but if any provision of this Agreement is held to be illegal, invalid or unenforceable under present or future Laws, then the remaining provisions of this Agreement shall remain in
full force and effect and shall not be affected by such illegal, invalid or unenforceable provision or by its severance from this Agreement; and this Agreement shall be reformed, construed and enforced in such jurisdiction such that the illegal,
invalid or unenforceable provision or portion thereof shall be interpreted to be only so broad as is enforceable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.07
<U>Notices</U>. Any and all payments (other than payments at the Closing), notices, requests, instructions and other communications required or permitted to be given under this Agreement after the date of this Agreement by any party hereto to any
other party may be delivered personally or by nationally recognized overnight courier service or sent by U.S. mail or (except in the case of payments) by email, at the respective addresses set forth below and is deemed delivered (a)&nbsp;in the case
of personal delivery or email, when received; (b)&nbsp;in the case of mail, upon the earlier of actual receipt or five (5)&nbsp;Business Days after deposit in the United States Postal Service, first class certified or registered mail, postage
prepaid, return receipt requested; and (c)&nbsp;in the case of an overnight courier service, one (1)&nbsp;Business Day after </P>
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delivery to such courier service with and instructions for overnight delivery. The parties may change their respective addresses by written notice to all other parties, sent as provided in this
Section. All communications must be in writing and addressed as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If to the Company: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">IF Bancorp, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention:
Walter H. Hasselbring III </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">201 East Cherry Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Watseka, Illinois 60970 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Email:
whasselbring@iroquoisfed.com </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">With a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Luse Gorman </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention: Larry
Spacassi </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">5335 Wisconsin Avenue NW, Suite 780 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Washington, DC 20015 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Email:
lspaccasi@luselaw.com </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If to Parent: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Servbanc Holdco, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention:
Stavros Papastavrou </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">3138 East Elwood Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Phoenix, Arizona 85034 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Email:
stavros.papastavrou@servbank.com </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Frank Giglio, Esq. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Chief Legal Officer, Servbank NA </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">3138 East Elwood Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Phoenix,
Arizona 85034 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">frank.giglio@servbank.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">With a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Hunton Andrews Kurth LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">1445
Ross Avenue, Suite 3700 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Dallas, TX 75202 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">Attention:&#8195;Peter G. Weinstock </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8195;&#8194;&#8201;Beth A. Whitaker </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">E-mail:&#8195;&#8194;&#8201;&#8199;pweinstock@HuntonAK.com</FONT> </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8195;&#8194;&#8201;bwhitaker@HuntonAK.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.08 <U>GOVERNING LAW</U>. THIS AGREEMENT IS TO BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF
DELAWARE, WITHOUT REGARD FOR THE PROVISIONS THEREOF REGARDING CHOICE OF LAW THAT WOULD APPLY THE LAW OF A DIFFERENT JURISDICTION. VENUE FOR ANY CAUSE OF ACTION BETWEEN THE PARTIES TO THIS AGREEMENT SHALL LIE IN ANY FEDERAL OR STATE COURT SITTING IN
THE STATE OF DELAWARE. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">71 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.09 <U>WAIVER OF JURY TRIAL</U>. EACH PARTY ACKNOWLEDGES AND AGREES THAT ANY
CONTROVERSY WHICH MAY ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY RIGHT SUCH
PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY SUIT, ACTION OR OTHER PROCEEDING DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT:
(A)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF ANY ACTION, SUIT OR PROCEEDING, SEEK TO ENFORCE THE FOREGOING WAIVER, (B)&nbsp;EACH PARTY
UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (C)&nbsp;EACH PARTY MAKES THIS WAIVER VOLUNTARILY, AND (D)&nbsp;EACH PARTY HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN
THIS <U>SECTION 10.09</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.10 <U>Multiple Counterparts</U>. For the convenience of the parties hereto, this Agreement may
be signed in multiple counterparts, each of which shall be deemed an original, and all counterparts hereof so signed by the parties hereto, whether or not such counterpart shall bear the execution of each of the parties hereto, shall be deemed to
be, and is to be construed as, one and the same Agreement. A facsimile or electronic scan in &#8220;PDF&#8221; format of a signed counterpart of this Agreement shall be sufficient to bind the party or parties whose signature(s) appear thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.11 <U>Definitions</U>. For purposes of this Agreement, the following terms have the meanings specified or referred to in this
section: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Accounting Firm</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;1.06(b)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>ACL</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.05(b)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Acquisition Proposal</U>&#8221; means, other than the transactions
contemplated by this Agreement, any offer or proposal with respect to (i)&nbsp;a merger, reorganization, share exchange, consolidation, business combination, recapitalization, joint venture, partnership, dissolution, liquidation or similar
transaction involving the Company, whether in a transaction or series of transaction, (ii)&nbsp;any purchase of any equity interest (including by means of a tender or exchange offer) representing an amount equal or greater than a 15% voting or
economic interest in the Company or (iii)&nbsp;any purchase of assets, securities or ownership interests representing an amount equal to or greater than 15% of the consolidated assets of the Company and its Subsidiaries taken as a whole (including
stock of such Subsidiaries). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Affiliate</U>&#8221; means any Person that, directly or indirectly, through one or
more intermediaries, (a)&nbsp;owns or controls another Person, (b)&nbsp;is owned or controlled by another Person, or (c)&nbsp;is under common control or ownership with another Person, and ownership means the direct or indirect beneficial ownership
of more than fifty percent (50%) of the equity securities of a Person, or, in the case of a Person that is not a corporation, more than fifty percent (50%) of the voting and/or equity interest. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Agreement</U>&#8221; shall have the meaning set forth in the preamble. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Articles of Incorporation</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.03</U>. </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">72 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>AZDIFI</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;6.02(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Bank</U>&#8221; shall have the meaning set forth in the Recitals.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Bank Merger</U>&#8221; shall have the meaning set forth in Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Bank Stock</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.03(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Banking Laws</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.04(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Bankruptcy Exception</U>&#8221; means, in respect of any agreement, contract, commitment or obligation, any
limitation thereon imposed by any bankruptcy, insolvency, fraudulent conveyance, reorganization, receivership, moratorium or similar Law affecting creditors&#8217; rights and remedies generally and, with respect to the enforceability of any
agreement, contract, commitment or obligation, by general principles of equity, including principles of commercial reasonableness, good faith and fair dealing, regardless of whether enforcement is sought in a proceeding at Law or in equity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>BHC Act</U>&#8221; shall have the meaning set forth in the preamble. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Book-Entry Share</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.05(d)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Business Day</U>&#8221; means Monday through Friday of each week, except a legal holiday recognized as such by the
United States federal government or any day on which banking institutions in Oswego, Illinois are authorized or required by Law to be closed. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Bylaws</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.03</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Calculation Date</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.06(a)(iii)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Call Reports</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.05(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Cancelled Shares</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.05(e)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Cannabis Business</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.46(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Certificate</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.10(c)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Closing</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;2.01(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Closing Date</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;2.01(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Code</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.08(e)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company</U>&#8221; shall have the meaning set forth in the preamble. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Adverse Recommendation Change</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.02(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Board</U>&#8221; shall have the meaning set forth in the
Recitals. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Board Recommendation</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.02(a)</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">73 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Constituent Documents</U>&#8221; shall have the meaning
set forth in <U>Section</U><U></U><U>&nbsp;3.04(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Disclosure Schedules</U>&#8221; shall have the
meaning set forth in the <U>Article III</U> preamble. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Financial Statements</U>&#8221; shall have the
meaning set forth in <U>Section</U><U></U><U>&nbsp;3.05(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company IT Systems</U>&#8221; shall have the
meaning set forth in <U>Section</U><U></U><U>&nbsp;3.33.</U> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Recommendation</U>&#8221; shall have the
meaning set forth in <U>Section</U><U></U><U>&nbsp;3.02</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Reports</U>&#8221; shall have the meaning
set forth in <U>Section</U><U></U><U>&nbsp;3.32(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Company Stock</U>&#8221; shall have the meaning set
forth in <U>Section</U><U></U><U>&nbsp;1.05(c)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Controlled Group Plans</U>&#8221; shall have the meaning set
forth in <U>Section</U><U></U><U>&nbsp;3.28(g)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Conversion Date</U>&#8221; shall have the meaning set forth
in <U>Section</U><U></U><U>&nbsp;1.06(a)(ii)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>CRA</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.34</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Customary Servicing Procedure</U>&#8221; means, with respect to each
Mortgage Loan, those mortgage servicing practices and procedures (including collection procedures) that are in all material respects legal, proper and customary in the mortgage servicing business of prudent mortgage servicers that service mortgage
loans of the same type as such Mortgage Loan in the jurisdiction where the related Mortgaged Property is located, and which are in accordance with (a)&nbsp;the terms of the related Mortgage Note and Mortgage, and (b)&nbsp;applicable Law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Director Support Agreement</U>&#8221; shall have the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Dodd-Frank Act</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.38</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Effective Time</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;2.01(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Employee Plans</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.28(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>End Time</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;9.01(b)(i)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Designated Representatives of Parent</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.05(gg)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Environmental Laws</U>&#8221; means any Law, any judicial or
administrative order, decree, or any agency requirement relating to: (a)&nbsp;pollution, public or worker health or safety, or the protection or restoration of the indoor or outdoor environment, human health, or natural resources, (b)&nbsp;the
handling, use, presence, disposal, release or threatened release of any Hazardous Material, or (c)&nbsp;any injury or threat of injury to persons or property in connection with any Hazardous Material. The term Environmental Law includes:
(a)&nbsp;the following statutes, as amended, any successor law, and any implementing regulations, and any state or local statutes, ordinances, rules, regulations and the like addressing similar issues: the Comprehensive Environmental Response,
Compensation and Liability Act, as amended, 42 U.S.C. &#167; 9601 et seq.; the Resource Conservation and Recovery Act, as amended, 42 U.S.C. &#167; 6901, et seq.; the Clean Air Act, as amended, 42 U.S.C. &#167; 7401, et seq.; the Federal Water
Pollution Control Act, as amended, 33 U.S.C. &#167; 1251, et seq.; the Toxic </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">74 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
Substances Control Act, as amended, 15 U.S.C. &#167; 2601, et seq.; the Emergency Planning and Community Right to Know Act, 42 U.S.C. &#167; 1101, et seq.; the Safe Drinking Water Act; 42 U.S.C.
&#167; 300f, et seq.; and (b)&nbsp;common law that may impose liability (including strict liability) or obligations for injuries or damages due to the presence of or exposure to any Hazardous Material. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Environmental Reports</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.19(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Equity Plans</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.09</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>ERISA</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.28(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>ESOP</U>&#8221; means the Iroquois Federal Savings and Loan Association Employee Stock Ownership Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Exchange Act</U>&#8221; means the Securities Exchange Act of 1934, as amended. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Exchange Agent</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.08(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Exchange Agent Agreement</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.08(i)</U>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Exchange Fund</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.08(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Existing Employment Agreements</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.12(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Expense Reimbursement</U>&#8221; shall have the meaning set forth in
Section&nbsp;9.03(b)(iii). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>FDIA</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;2.02(f)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>FDIC</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;2.02(f)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Federal Reserve</U>&#8221; shall mean the Board of Governors of the
Federal Reserve System. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>GAAP</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;1.06(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Governmental Entity</U>&#8221; means any court, arbitrator,
administrative agency or commission, board, bureau or other governmental or Regulatory Agency or instrumentality. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Hazardous Material</U>&#8221; means any and all substances, materials and wastes (whether solid, liquid or gas)
defined, listed, or otherwise regulated as pollutants, hazardous wastes, hazardous substances, hazardous materials, extremely hazardous wastes, flammable or explosive materials, radioactive materials, or words of similar meaning or regulatory effect
(or for which liability or standards of conduct may be imposed) under any Environmental Law or that may have a negative impact on human health or the environment, including petroleum and petroleum products, asbestos and asbestos-containing
materials, polychlorinated biphenyls, <FONT STYLE="white-space:nowrap">per-</FONT> and polyfluoroalkyl substance, lead, radon, radioactive materials, flammables and explosives, mold, mycotoxins and airborne pathogens (naturally occurring or
otherwise). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>HCERA</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.28(g)(i)</U>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Healthcare Reform Laws</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.28(g)(i)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Hemp Business</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.46(a)</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">75 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Holders</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;1.08(c)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>IDFPR</U>&#8221; shall mean the Illinois Department of Financial and
Professional Regulation. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>IDOI</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.08</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Indemnified Liabilities</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.19(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Indemnified Parties</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.19(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Insurance Amount</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.19(b).</U> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Intervening Event</U>&#8221; means a material event, fact,
circumstance, development or occurrence which is unknown and not reasonably foreseeable to or by the board of directors of Company as of the date hereof (and does not relate to a Superior Proposal), but becomes known to or by the board of directors
of Company prior to obtaining the Requisite Company Approval; <U>provided</U>, that none of the following shall be considered or taken into account in determining whether a Company Intervening Event has occurred: (1)&nbsp;changes in the trading
price or trading volume of the Company Stock (it being understood that the underlying cause of such change may be taken into account to the extent not otherwise excluded by this definition) or (2)&nbsp;the fact alone that the Company meets or
exceeds any internal or published forecasts or projections for any period (it being understood that the underlying cause of such over-performance by the Company may be taken into account to the extent not otherwise excluded by this definition). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>IRS</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.12</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">A person has &#8220;<U>Knowledge</U>&#8221; of a particular fact or other matter if any individual who is presently serving as
a director, the president, the chief executive officer, chief financial officer, chief trust officer, chief credit officer, chief technology officer or compliance officer, after reasonable inquiry, is actually aware of such fact or other matter. Any
reference in this Agreement to the Company&#8217;s Knowledge shall also include the Bank&#8217;s Knowledge, and vice-versa. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Law</U>&#8221; shall mean any federal or state constitution, statute, regulation, rule, or common law applicable to a
Person. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>LCI</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.01(c)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>LCI Stock</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.03(c)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Leased Real Property</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.09</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Leases</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.11(a)(i)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Letter of Transmittal</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.08(c)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Lien(s)</U>&#8221; means any mortgage, security interest, pledge, charges, encumbrance or lien (statutory or
otherwise). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Listed Contracts</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.11(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Loan</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.17(a)</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">76 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Marijuana Business</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.46(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Material Adverse Change</U>&#8221; means, with respect to any party
hereto, any event, occurrence, fact, condition, effect or change that is, or would reasonably be expected to become, individually or in the aggregate, materially adverse to (i)&nbsp;the business, results of operations, prospects, condition
(financial or otherwise), assets, properties, liabilities (absolute, accrued, contingent or otherwise) or reserves, including without limitation, with respect to the Company, a decrease in the Bank&#8217;s <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">year-to-date</FONT></FONT> earnings (excluding Transaction Costs) of 15% or more as compared to the average earnings over the same period of time during the three fiscal years of the Company ended June&nbsp;30, 2025, 2024
and 2023, a decrease in the Bank&#8217;s Loans by 15% or more compared to June&nbsp;30, 2025, or a decrease in the Bank&#8217;s noninterest bearing deposits and savings, NOW and money market accounts by 15% or more, taken as a whole (but excluding
the effect of any change in the deposits listed on <I>Confidential Schedule 10.11)</I>, compared to June&nbsp;30, 2025, or (ii)&nbsp;the ability of such party to consummate the transactions contemplated hereby on a timely basis; <I>provided</I>,
<I>however</I>, that none of the following shall constitute, or shall be considered in determining whether there has occurred, and no event, circumstance, change or effect resulting from or arising out of any of the following shall constitute, a
Material Adverse Change: (i)&nbsp;any changes in Laws or interpretations thereof that are generally applicable to the banking or savings industries; (ii)&nbsp;changes in GAAP or RAP that are generally applicable to the banking or savings industries;
(iii)&nbsp;changes in global, national or regional political conditions (including any outbreak or escalation of hostilities, declared or undeclared acts of war or terrorism) or general economic or market conditions in the United States or the State
of Illinois, including changes in prevailing interest rates, credit availability and liquidity, currency exchange rates, and price levels or trading volumes in the United States or foreign securities markets affecting other companies in the
financial services industry; (iv)&nbsp;general changes in the credit markets or general downgrades in the credit markets; or (v)&nbsp;changes proximately caused by the public disclosure or consummation of the transactions contemplated hereby or
actions or omissions of a party taken as required by this Agreement or with the prior informed written consent of the other party or parties in contemplation of the transactions contemplated by this Agreement; provided, that, with respect to clauses
(i)&nbsp;through (iv) such party is not affected to a greater extent than other Persons, bank holding companies or insured depository institutions in the industry in which such party operates. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Materially Burdensome Regulatory Condition</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.11</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Merger</U>&#8221; shall have the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Merger Consideration</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.05(c)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Merger Sub</U>&#8221; shall have the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>MGCL</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.01</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Minimum Allowance Amount</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Minimum Equity</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.06(a)(iv)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Mortgage</U>&#8221; means with respect to a Mortgage Loan, the mortgage, deed of trust or other instrument securing
the related Mortgage Note. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Mortgage Loans</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.40</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">77 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Mortgage Note</U>&#8221; means the note or other evidence of the
indebtedness of a Mortgagor secured by a Mortgage and any riders thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Mortgaged Property</U>&#8221; means
the real property and fixtures encumbered by a Mortgage. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Mortgagor</U>&#8221; means with respect to each
Mortgage Loan, the obligor on a Mortgage Note, including any <FONT STYLE="white-space:nowrap">co-borrower,</FONT> <FONT STYLE="white-space:nowrap">co-maker,</FONT> <FONT STYLE="white-space:nowrap">co-signor</FONT> or guarantor, who is obligated
under the terms of such Mortgage Note. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Most Recent Balance Sheet Date</U>&#8221; shall have the meaning set
forth in <U>Section</U><U></U><U>&nbsp;3.05(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Nonqualified Deferred Compensation Plan</U>&#8221; shall
have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.28(l)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Notice Period</U>&#8221; shall have the
meaning set forth in <U>Section</U><U></U><U>&nbsp;5.16(d)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>OCC</U>&#8221; shall have the meaning set forth
in <U>Section</U><U></U><U>&nbsp;2.02(b)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Order</U>&#8221; shall mean any award, decision, decree,
injunction, judgment, order, ruling, or verdict entered, issued, made or rendered by any court, administrative agency or any other Governmental Entity. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>OREO Property</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.09</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Owned Real Property</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.09</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Parent</U>&#8221; shall have the meaning set forth in the preamble. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Parent Board</U>&#8221; shall have the meaning set forth in the Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>&#8220;Parent Common Stock&#8221;</U> means the 10,000,000 shares of common stock, no par value per share, of Parent. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Parent Disclosure Schedules</U>&#8221; shall have the meaning set forth in the <U>Article IV</U> preamble. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Parent Organizational Documents</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;4.04(b)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Parent Stock</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;1.05(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Per Share Merger Consideration</U>&#8221; shall have the meaning set
forth in <U>Section</U><U></U><U>&nbsp;1.06(a)(v)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Permitted Encumbrances</U>&#8221; shall mean only
(i)&nbsp;Liens for taxes not yet due and payable and that do not constitute penalties, (ii)&nbsp;Liens for taxes being contested in good faith by appropriate proceedings, (iii)&nbsp;statutory Liens of landlords, (iv)&nbsp;Liens of carriers,
warehousemen, mechanics, materialmen and repairmen incurred in the ordinary course of business consistent with past practice and not yet delinquent, (v)&nbsp;zoning, building, or other restrictions, variances, covenants, rights of way, rights of
subtenants, encumbrances, easements and other minor irregularities in title, none of which, individually or in the aggregate, interfere in any material respect with the present use of or occupancy of the affected parcel by the Bank, or have a
material detrimental effect on the value thereof or its present use. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">78 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Person</U>&#8221; means an individual, a partnership, a
corporation, a limited liability company, an association, a joint stock company, a trust, a joint venture, an unincorporated organization, any other business entity, or a governmental entity (or any department, agency, or political subdivision
thereof). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Phase I Assessment</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.05(z)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>PPACA</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;3.28(g)(i)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Property</U>&#8221; or &#8220;<U>Properties</U>&#8221; shall
include all real property currently owned or leased by the Company, including all Owned Real Property, OREO Property and Leased Real Property, as well as the premises and all improvements and fixtures thereon of the Company. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Proprietary Rights</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.15</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Proxy Statement</U>&#8221; means the proxy statement for the Company Shareholders&#8217; Meeting. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>RAP</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.05(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Recognized Environmental Condition</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;5.05(z)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Regulatory Agency</U>&#8221; means (i)&nbsp;any self-regulatory
organization, (ii)&nbsp;the Federal Reserve, (iii)&nbsp;the OCC, (iv)&nbsp;the AZDIFI, (v)&nbsp;the IDFPR or (vi)&nbsp;any other federal or state governmental or regulatory agency or authority having or claiming jurisdiction over a party to this
Agreement or the transactions contemplated hereby. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Release</U>&#8221; means the Release Agreements in the form
attached hereto as <U>Exhibit</U><U></U><U>&nbsp;&#8220;</U><U>E</U><U>&#8221;</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Representatives</U>&#8221;
shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;5.16(a)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Requisite Company
Approval</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;7.03</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Retention
Agreements</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;5.12(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>SEC</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;3.08(a)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Second Merger</U>&#8221; shall have the meaning set forth in Recitals. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Securities Act</U>&#8221; shall mean Securities Act of 1933, as amended. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Shareholders&#8217; Meeting</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;5.02(a)</U>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Special Dividend</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.07</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Subsidiary</U>&#8221; means, when used with reference to an entity, any corporation, a majority of the outstanding
voting securities of which are owned directly or indirectly by such entity or any partnership, joint venture or other enterprise in which any entity has, directly or indirectly, a majority equity interest. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">79 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Superior Proposal</U>&#8221; means any unsolicited bona fide
written Acquisition Proposal with respect to more than 50% of the outstanding shares of capital stock of the Company or substantially all of the assets of the Company that is (a)&nbsp;on terms which the board of directors of the Company determines
in good faith (after taking into account all the terms and conditions of the Acquisition Proposal and this Agreement (including any written proposal by Parent to adjust the terms and conditions of this Agreement)), including any breakup fees,
expense reimbursement provisions, conditions to and expected timing and risks of consummation, the form of consideration offered and the ability of the person making such proposal to obtain financing for such Acquisition Proposal, after consultation
with its financial advisor, to be more favorable from a financial point of view to the Company&#8217;s shareholders than the transactions contemplated by this Agreement, and (b)&nbsp;that constitutes a transaction that, in the good faith judgment of
the board of directors of the Company, is reasonably likely to be consummated on the terms set forth, taking into account all legal, financial, regulatory, and other aspects of the proposal. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Surviving Corporation</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.01</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Tail Coverage</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;5.19(b)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Tangible Common Equity</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;1.06(a)(i)</U>.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Tax</U>&#8221; or &#8220;<U>Taxes</U>&#8221; means all (i)&nbsp;United States federal, state or local or <FONT
STYLE="white-space:nowrap">non-United</FONT> States taxes, assessments, charges, duties, levies, interest or other similar governmental charges of any nature, including all income, franchise, profits, capital gains, capital stock, transfer, sales,
use, escheat, unclaimed property, abandonment, occupation, property, excise, severance, windfall profits, stamp, stamp duty reserve, license, payroll, withholding, ad valorem, value added, alternative minimum, environmental, customs, social security
(or similar), unemployment, sick pay, disability, registration and other taxes, assessments, charges, duties, interest, fees, levies or other similar governmental charges of any kind whatsoever, whether disputed or not, together with all estimated
taxes, deficiency assessments, additions to tax, charges, duties, levies, penalties and interest; (ii)&nbsp;any liability for the payment of any amount of a type described in clause (i)&nbsp;arising as a result of being or having been a member of
any consolidated, combined, unitary or other group or being or having been included or required to be included in any Tax Return related thereto; and (iii)&nbsp;any liability for the payment of any amount of a type described in clause (i)&nbsp;or
clause (ii)&nbsp;as a result of any obligation to indemnify or otherwise assume or succeed to the liability of any other Person. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Tax Return</U>&#8221; means any return, declaration, report, claim for refund, or information return or statement
relating to Taxes required to be filed with an Governmental Entity, including any schedule or attachment thereto, and including any amendment thereof. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Termination Fee</U>&#8221; shall have the meaning set forth in <U>Section</U><U></U><U>&nbsp;9.03(b)(i)</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Total Cash Consideration</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;1.06(a)(vi)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Transaction Costs</U>&#8221; shall have the meaning set forth in
<U>Section</U><U></U><U>&nbsp;1.06(a)(ii)</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Treasury Regulations</U>&#8221; means the regulations promulgated
by the United States Department of the Treasury pursuant to and in respect of provisions of the Code. All references herein to sections of the Treasury Regulations shall include any corresponding provision or provisions of succeeding, similar,
substitute proposed or final Treasury Regulations. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8220;<U>Voting Agreement</U>&#8221; shall have the meaning set forth
in the Recitals. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">80 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.12 <U>Specific Performance</U>. Each of the parties hereto acknowledges that
the other parties would be irreparably damaged and would not have an adequate remedy at Law for money damages if any of the covenants contained in this Agreement were not performed in accordance with its terms or otherwise were materially breached.
Each of the parties hereto therefore agrees that, without the necessity of proving actual damages or posting bond or other security, the other party shall be entitled to temporary and/or permanent injunction or injunctions which a court of competent
jurisdiction concludes is justified to prevent breaches of such performance and to specific enforcement of such covenants in addition to any other remedy to which they may be entitled, at Law or in equity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.13 <U>Attorneys</U><U>&#8217;</U><U> Fees and Costs</U>. If attorneys&#8217; fees or other costs are incurred to secure
performance of any of the obligations herein provided for, or to establish damages for the breach thereof, or to obtain any other appropriate relief, the prevailing party is entitled to recover reasonable attorneys&#8217; fees and costs incurred
therein and determined by the court to be justified. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.14 <U>Rules of Construction</U>. Whenever the words
&#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they are deemed to be followed by the words &#8220;without limitation.&#8221; The words &#8220;hereof,&#8221; &#8220;herein&#8221; and
&#8220;hereunder&#8221; and words of similar import when used in this Agreement refer to this Agreement as a whole and not to any particular provision in this Agreement. Each use herein of the masculine, neuter or feminine gender is deemed to
include the other genders. Each use herein of the plural includes the singular and vice versa, in each case as the context requires or as is otherwise appropriate. The word &#8220;or&#8221; is used in the inclusive sense. Any agreement or instrument
defined or referred to herein or in any agreement or instrument that is referred to herein means such agreement or instrument as from time to time amended, modified or supplemented, including by waiver or consent. References to a Person are also to
its permitted successors or assigns. In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise favoring
or disfavoring any party by virtue of the authorship of any provision of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.15 <U>Articles, Sections,
Exhibits and Schedules</U>. All articles and sections referred to herein are articles and sections, respectively, of this Agreement and all exhibits and schedules referred to herein are exhibits and schedules, respectively, attached to this
Agreement. Descriptive headings as to the contents of particular sections are for convenience only and do not control or affect the meaning, construction or interpretation of this Agreement or any particular section. Any and all schedules, exhibits,
certificates or other documents or instruments referred to herein or attached hereto are and shall be incorporated herein by reference hereto as though fully set forth herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.16 <U>Public Disclosure</U>. Except for the Joint Press Release in the form set forth as <I><U>Confidential Schedule
10.16</U></I> to be issued upon date that this Agreement becomes effective, neither Parent nor the Company, or any Affiliate or Subsidiary of the same, shall make any announcement, statement, press release, acknowledgment or other public disclosure
of the existence of, or reveal the terms, conditions or the status of, this Agreement or the transactions contemplated hereby without the prior written consent of the other parties to this Agreement (which shall not be unreasonably withheld,
conditioned or delayed); <I>provided</I>, <I>however</I>, that (i)&nbsp;Parent and the Company are permitted to make any public disclosures or governmental filings as legal counsel may deem necessary to maintain compliance with or to prevent
violations of applicable Law, that may be necessary to obtain regulatory approval for the transactions contemplated hereby, or that may be necessary to enforce the obligations under this Agreement and (ii)&nbsp;Parent may disclose the existence of,
or reveal the terms, conditions or the status of, this Agreement or the transactions contemplated hereby to potential investors in Parent that are bound by a confidentiality agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">81 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.17 <U>Extension; Waiver</U>. At any time prior to the Closing Date, the
parties may (a)&nbsp;extend the time for the performance of any of the obligations or other acts of the other parties hereto, (b)&nbsp;waive any inaccuracies in the representations and warranties contained herein or in any document, certificate or
writing delivered pursuant hereto, or (c)&nbsp;waive compliance with any of the agreements, covenants or conditions contained herein. Such action shall be evidenced by a signed written notice given in the manner provided in
<U>Section</U><U></U><U>&nbsp;10.07</U>. No party to this Agreement shall by any act (except by a written instrument given pursuant to <U>Section</U><U></U><U>&nbsp;10.07</U>) be deemed to have waived any right or remedy hereunder or to have
acquiesced in any breach of any of the terms and conditions hereof. No failure to exercise nor any delay in exercising any right, power or privilege hereunder by any party hereto shall operate as a waiver thereof. No single or partial exercise of
any right, power or privilege hereunder shall preclude any other or further exercise thereof or the exercise of any other right, power or privilege. A waiver of any party of any right or remedy on any one occasion shall not be construed as a bar to
any right or remedy that such party would otherwise have on any future occasion or to any right or remedy that any other party may have hereunder. Any party may unilaterally waive a right which is solely applicable to it. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.18 <U>Amendment</U>. This Agreement may be amended, modified or supplemented only by an instrument in writing executed by each
of the parties hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Section&nbsp;10.19 <U>No Third Party Beneficiaries</U>. Nothing contained in this Agreement, express or implied,
is intended to confer upon any Persons, other than the parties hereto or their respective successors, any rights, remedies, obligations, or liabilities under or by reason of this Agreement, except in accordance with
<U>Section</U><U></U><U>&nbsp;5.12(b)</U>. </P> <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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">82 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be signed by their duly
authorized officers as of the date first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3"><B>SERVBANC HOLDCO, INC.</B></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">/s/ Stavros Papastavrou</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Stavros Papastavrou, Chairman</TD></TR>
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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3"><B>IF BANCORP, INC.</B></TD></TR>
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<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<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/ Walter H. Hasselbring III</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Agreement and Plan of Merger] </I></P>
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<Center><DIV STYLE="width:8.5in" align="left">
 <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:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>EXHIBIT C </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM
OF VOTING AGREEMENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS VOTING AGREEMENT (this &#8220;Voting Agreement&#8221;), dated as of October&nbsp;29, 2025, is executed by
and among Servbanc Holdco, Inc., an Arizona corporation and registered bank holding company (&#8220;Parent&#8221;), Servbank, National Association, a national banking association with its main office in Oswego, Illinois (&#8220;Servbank&#8221;), IF
Bancorp, Inc., a Maryland corporation and registered savings and loan holding company (&#8220;Company&#8221;), Iroquois Federal Savings and Loan Association, a federal savings and loan association with its main office in Watseka, Illinois
(&#8220;Bank&#8221;), and the shareholders of the Company who are signatories hereto (referred to herein individually as a &#8220;Shareholder&#8221; and collectively as the &#8220;Shareholders&#8221;). Terms with their initial letters capitalized
and not otherwise defined herein have the meanings given to them in the Agreement (as defined below). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, concurrently with the execution of this Voting Agreement, Parent and the Company are entering into that certain Agreement and
Plan of Merger, dated as of the date hereof (as such agreement may be amended or supplemented from time to time, the &#8220;Agreement&#8221;), pursuant to which Merger Sub, a wholly-owned subsidiary of Parent, will merge with and into the Company,
with the Company continuing as the surviving entity (the &#8220;Merger&#8221;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, the Agreement provides that all of the
issued and outstanding shares of common stock, par value $0.01 per share, of the Company (the &#8220;Company Common Stock&#8221;) (for the avoidance of doubt, excluding any Cancelled Shares) will be exchanged for such consideration as set forth in
the Agreement; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, as a condition and inducement to Parent&#8217;s willingness to enter into the Agreement, each of the
Shareholders has agreed to vote their shares of Company Common Stock in favor of approval of the Agreement; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>WHEREAS</B>, Parent
and Servbank are relying on this Voting Agreement in incurring expenses in reviewing the Company&#8217;s and the Bank&#8217;s business, in proceeding with the filing of applications for regulatory approvals and in undertaking other actions necessary
for the consummation of the Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>NOW, THEREFORE</B>, in consideration of the substantial expenses that Parent and Servbank will
incur in connection with the transactions contemplated by the Agreement and to induce Parent to execute the Agreement and to proceed to incur such expenses, and for other good and valuable consideration, the receipt and sufficiency of which is
hereby acknowledged, the parties hereby, severally and not jointly, agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. Each of the Shareholders hereby severally, but not jointly, represents and warrants to Parent and Servbank that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) such Shareholder is the registered owner or beneficial owner of, or has full voting power with respect to, the number of
shares of Company Common Stock set forth below such Shareholder&#8217;s name on such Shareholder&#8217;s signature page to this Voting Agreement (the &#8220;Shares&#8221;); </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) except pursuant to this Voting Agreement, there are no options, warrants
or other rights, agreements, arrangements or commitments of any character to which such Shareholder is a party relating to the pledge, disposition or voting of any of the Shares and there are no voting trusts or voting agreements with respect to the
Shares; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) such Shareholder does not beneficially own any shares of Company Common Stock other than (i)&nbsp;the Shares,
and (ii)&nbsp;any options, warrants or other rights to acquire any additional shares of Company Common Stock or any security exercisable for or convertible into shares of Company Common Stock set forth on the signature page of this Voting Agreement;
and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) such Shareholder has had an opportunity to obtain the advice of legal counsel prior to executing this Voting
Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. Each Shareholder hereby agrees during the term of this Voting Agreement to vote the Shares, and any additional shares of
Company Common Stock or other voting securities of the Company acquired by such Shareholder after the date hereof, (a)&nbsp;in favor of the approval and adoption of the Agreement and the transactions contemplated thereby at the Shareholders&#8217;
Meeting and (b)&nbsp;against approval of any other proposal made by any corporation, partnership, person or other entity or group (other than Parent or Servbank or affiliates thereof or officers, partners, employees or other authorized
representatives of Parent or Servbank or such affiliates) concerning any merger, tender offer or other takeover offer, sale of substantial assets, sale of shares of capital stock or similar transaction involving the Company or the Bank made in
opposition to or in competition with the Agreement (such other proposal shall be defined herein as an &#8220;Opposing Proposal&#8221;) presented at the Shareholders&#8217; Meeting or any other meeting of the Company shareholders held prior to the
Shareholders&#8217; Meeting or for which the Company otherwise seeks the approval of the shareholders of the Company prior to the Shareholders&#8217; Meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. Each Shareholder, solely in his or her capacity as a shareholder and subject to Section&nbsp;7, shall not, directly or indirectly,
knowingly encourage, solicit or initiate discussions or negotiations with, or entertain, discuss or negotiate with, or provide any information to, or cooperate with, any corporation, partnership, person or other entity or group (other than Parent or
Servbank or Affiliates thereof or officers, partners, employees or other authorized representatives of Parent or Servbank or such Affiliates) concerning any Opposing Proposal. Each Shareholder shall promptly advise the Company and the Bank of each
contact the Shareholder or any of the Shareholder&#8217;s representatives may receive from any person or entity relating to any Opposing Proposal or otherwise indicating that any person or entity may wish to participate or engage in any transaction
arising out of any Opposing Proposal and shall provide the Company and the Bank with all information that is reasonably requested by Parent and Servbank and is reasonably available to the Shareholder regarding any such Opposing Proposal or possible
Opposing Proposal, unless such Shareholder knows the Company and the Bank have provided Parent and Servbank with such information, and the Company and the Bank shall in turn provide any such information Parent and Servbank in accordance with the
Agreement. Each Shareholder, solely in his or her capacity as a shareholder, shall make no claim nor join in any litigation alleging that the board of directors of the Company or the Bank is required to consider, endorse or support any Opposing
Proposal or to invite or seek any Opposing Proposal. Each Shareholder, solely in his or her capacity as a shareholder, shall take no other action that is reasonably likely to make consummation of the Merger less likely or to impair Parent&#8217;s
and Servbank&#8217;s ability to exercise any of the rights granted by the Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. While this Voting Agreement is in effect, each
Shareholder shall not, directly or indirectly, (a)&nbsp;sell, transfer, assign, pledge, encumber, hypothecate, cause to be redeemed or otherwise dispose (any such transaction, a &#8220;Transfer&#8221;) of any or all Shares or any shares of Company
Common Stock subsequently acquired, (b)&nbsp;grant any proxy (other than solicited by the board of directors of the Company for the purpose of voting to approve the Agreement and the transactions contemplated thereby) nor interest in or with
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
respect to any Shares or (c)&nbsp;deposit any Shares into a voting trust or enter into a voting agreement or arrangement with respect to any shares of Company Common Stock or grant any proxy with
respect thereto, other than to other members of the board of directors of the Company and the Bank for the purpose of voting to approve the Agreement and the transactions contemplated thereby. This Section&nbsp;4 shall not prohibit
(u)&nbsp;Transfers by operation of law, (v)&nbsp;Transfers to any member of the Shareholder&#8217;s family, subject to the transferee&#8217;s agreeing in writing to be bound by the terms of this Voting Agreement and delivery of such agreement to
Parent and Servbank, (w)&nbsp;Transfers for estate and tax planning purposes, including Transfers to relatives, trusts and charitable organizations, subject to the transferee agreeing in writing to be bound by the terms of this Voting Agreement and
the delivery of such agreement to Parent and Servbank, (x)&nbsp;to the extent a Shareholder is a trust or estate, Transfers pursuant to the written instrument governing the same or a court order, subject to transferee agreeing in writing to be bound
by the terms of this Voting Agreement and the delivery of such agreement to Parent and Servbank, (y)&nbsp;Transfers to any other shareholder of the Company who has executed a copy of this Voting Agreement on the date hereof, and (z)&nbsp;such
Transfers as Parent and Servbank may otherwise permit in their sole discretion in writing. Any attempted Transfer of Shares or any shares of Company Common Stock subsequently acquired or any interest therein in violation of this Section&nbsp;4 shall
be null and void. Notwithstanding the foregoing, this Section&nbsp;4 shall not prohibit a Shareholder from granting a proxy to vote Shares in favor of the approval and adoption of the Agreement and the transactions contemplated thereby at the
Shareholders&#8217; Meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. Each Shareholder acknowledges that Parent and Servbank are relying on this Voting Agreement in reviewing
the business of the Company and the Bank in proceeding with the filing of applications for regulatory approvals and in undertaking other actions necessary for the consummation of the Merger. The Company, the Bank and each Shareholder acknowledge
that the performance of this Voting Agreement is intended to benefit Parent, Servbank, the Company and the Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. This Voting Agreement
shall continue in effect until the earlier to occur of (a)&nbsp;the termination of the Agreement in accordance with its terms, (b)&nbsp;the conclusion of the Shareholders&#8217; Meeting, or (c)&nbsp;the first anniversary of the date of this Voting
Agreement, at which time this Voting Agreement shall immediately and automatically terminate and be of no further force or effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7.
Notwithstanding anything to the contrary, nothing in this Voting Agreement shall be deemed to prohibit, limit, or restrict any actions or omissions taken by any of the Shareholders on behalf of the Company or the Bank solely in the capacity of a
director or officer of the Company or the Bank (if applicable) that such Shareholder believes is necessary to fulfill the Shareholder&#8217;s fiduciary duties and obligations as a director or officer (if applicable), and no such actions or omissions
will be deemed a breach of this Voting Agreement. Each Shareholder is executing this Voting Agreement solely in his or her capacity as a shareholder of the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. Each Shareholder has the legal capacity, power and authority to enter into and perform all of the Shareholder&#8217;s obligations under
this Voting Agreement. This Voting Agreement has been duly and validly executed and delivered by the Shareholder and constitutes the legal, valid and binding obligation of the Shareholder, enforceable against the Shareholder in accordance with its
terms except as the enforceability may be limited by bankruptcy, insolvency or other laws affecting creditors rights (whether enforce in law or in equity). If the Shareholder is married and his or her Shares constitute community property, this
Voting Agreement has been duly authorized, executed and delivered by, and constitutes a valid and binding agreement of, such Shareholder&#8217;s spouse, enforceable against such spouse in accordance with its terms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. Each Shareholder acknowledges that appraisal rights under the Maryland General Corporation Law (the &#8220;MGCL&#8221;) with respect to the
Merger are not available and such Shareholder is not entitled to assert appraisal rights with respect to the Merger whether pursuant to the MGCL or otherwise. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. This Voting Agreement may not be modified, amended, altered or supplemented with respect
to a particular Shareholder except upon the execution and delivery of a written agreement executed by each of Parent, Servbank, the Company, the Bank and the Shareholder. Any such amendment, modification, alteration or supplement shall apply only to
the Shareholder(s) executing such written agreement and this Voting Agreement shall remain in full force and effect without consideration of amendment with respect to Shareholders who do not execute such written agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. For the convenience of the parties hereto, this Voting Agreement may be executed (including by electronic means) simultaneously in two or
more counterparts, each of which will be deemed an original but all of which shall constitute one and the same instrument. An email or electronic scan in &#8220;.pdf&#8221; format of a signed counterpart of this Voting Agreement will be sufficient
to bind the party or parties whose signature(s) appear thereon. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. This Voting Agreement, together with the Agreement and the agreements
contemplated thereby (but without incorporation by reference of the terms thereof), embody the entire agreement and understanding of the parties hereto in respect to the subject matter contained herein. This Voting Agreement supersedes all prior
agreements and understandings among the parties with respect to such subject matter contained herein. In the event of a conflict between the terms of this Voting Agreement and the terms of the Agreement, the terms of the Agreement shall control.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. All notices, requests, demands and other communications required or permitted to be given under this Voting Agreement shall be in
writing and shall be deemed to have been duly given if delivered in person, mailed by first class mail (postage prepaid) or sent by email, courier or personal delivery to the parties at the following addresses unless by such notice a different
address shall have been designated: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to Parent or Servbank: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Servbanc Holdco, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">3138 East
Elwood Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Phoenix, Arizona 85034 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Attention:&#8195;&#8195;&#8194;&#8201;Stavros Papastavrou </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Electronic mail: stavros.papastavrou@servbank.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WITH A COPY TO: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Hunton Andrews
Kurth LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1445 Ross Avenue, Suite 3700 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Dallas, Texas 75202 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attention:&#8195;&#8195;&#8194; Peter. G Weinstock </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8201;&#8201;Beth A. Whitaker </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Electronic mail: pweinstock@HuntonAK.com </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#8201;bwhitaker@HuntonAK.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the Company or the Bank: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IF Bancorp, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">201 East Cherry
Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Watseka, Illinois 60970 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attention: Walter H. Hasselbring III </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Electronic mail: whasselbring@iroquoisfed.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WITH A COPY TO: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Luse Gorman, PC </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Attention: Larry
Spacassi </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">5335 Wisconsin Avenue NW, Suite 780 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Washington, DC 20015 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Email:
lspaccasi@luselaw.com </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to a Shareholder: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the address set forth on such Shareholder&#8217;s signature page to this Voting Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All notices sent by mail as provided above shall be deemed delivered three (3)&nbsp;days after deposit in the mail, all notices sent by
courier as provided above shall be deemed delivered upon confirmation of receipt, and all notices sent by email shall be deemed delivered upon confirmation of receipt. All other notices shall be deemed delivered when actually received. Any party to
this Voting Agreement may change its address for the giving of notice specified above by giving notice as provided herein. Notices permitted to be sent via email shall be deemed delivered only if sent to such persons at such email addresses as may
be set forth in writing (and confirmation of receipt is received by the sending party). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. From time to time, at Parent&#8217;s and
Servbank&#8217;s request, and without further consideration, each Shareholder shall execute and deliver such additional documents reasonably requested by Parent and Servbank as may be necessary to consummate and make effective, in the most
expeditious manner practicable, the transactions contemplated by this Voting Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. Each Shareholder recognizes and acknowledges
that a breach by the Shareholder of any covenants or agreements contained in this Voting Agreement will cause Parent and Servbank to sustain damages for which it would not have an adequate remedy at law for money damages, and therefore the parties
hereto agree that, in the event of any such breach, Parent and Servbank shall be entitled to seek the remedy of specific performance of such covenants and agreements and injunctive and other equitable relief, without the necessity of posting bond or
proving actual damages, in addition to any other remedy to which it may be entitled, at law or in equity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. THIS VOTING AGREEMENT IS TO
BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF DELAWARE, WITHOUT REGARD FOR THE PROVISIONS THEREOF REGARDING CHOICE OF LAW THAT WOULD APPLY THE LAW OF A DIFFERENT JURISDICTION. VENUE FOR ANY CAUSE OF ACTION BETWEEN THE
PARTIES TO THIS VOTING AGREEMENT WILL LIE IN ANY FEDERAL OR STATE COURT SITTING IN THE STATE OF DELAWARE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. EACH PARTY ACKNOWLEDGES AND
AGREES THAT ANY CONTROVERSY OR DISPUTE THAT MAY ARISE UNDER THIS VOTING AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT SUCH PARTY MAY HAVE TO A
TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS VOTING AGREEMENT OR THE CONTEMPLATED TRANSACTIONS. EACH PARTY CERTIFIES AND ACKNOWLEDGES THAT: (A)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY
OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT, IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER; (B)&nbsp;EACH SUCH PARTY UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER;
(C)&nbsp;EACH SUCH PARTY MAKES THIS WAIVER VOLUNTARILY; AND (D)&nbsp;EACH SUCH PARTY HAS BEEN INDUCED TO ENTER INTO THIS VOTING AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS SECTION 17. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">18. All of the terms, covenants, representations, warranties and conditions of this Voting
Agreement are binding upon and inure to the benefit of and are enforceable by, the parties and their respective successors, representatives and permitted assigns. Subject to Section&nbsp;4, no party hereto may assign this Voting Agreement, by
operation of law or otherwise, in whole or in part, without the prior written consent of the other parties, and any purported assignment made or attempted in violation of this Section&nbsp;18 shall be null and void. Nothing contained in this Voting
Agreement, express or implied, is intended to confer upon any persons or entities, other than the parties hereto or their respective successors, any rights, remedies, obligations or liabilities under or by reason of this Voting Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">19. If any provision of this Voting Agreement is held invalid or unenforceable by any court of competent jurisdiction, there will be added
automatically as a part of this Voting Agreement a provision mutually agreed to which is similar in terms to such invalid or unenforceable provision as may be possible and still be valid and enforceable, and the other provisions of this Voting
Agreement will remain in full force and effect. Any provision of this Voting Agreement held invalid or unenforceable only in part or degree will remain in full force and effect to the extent not held invalid or unenforceable. </P>
<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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have executed this Voting Agreement as of the date
first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
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<TD VALIGN="top" COLSPAN="3"><B>SERVBANC HOLDCO, INC.</B></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Stavros Papastavrou, Chairman</TD></TR>
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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3"><B>SERVBANK, NATIONAL ASSOCIATION</B></TD></TR>
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<TD VALIGN="top">By:</TD>
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<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
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<TD VALIGN="top"></TD>
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<TD VALIGN="top">Stavros Papastavrou, Chairman</TD></TR>
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<TD VALIGN="top" COLSPAN="3"><B>IF BANCORP, INC.</B></TD></TR>
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<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
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<TD VALIGN="top">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
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<TD VALIGN="top" COLSPAN="3"><B>IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION</B></TD></TR>
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<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Voting Agreement]</I> </P>

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<TD VALIGN="top" COLSPAN="3">Number of Shares: _________________________________</TD></TR>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.2 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>EXHIBIT D </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM
OF DIRECTOR SUPPORT AGREEMENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS DIRECTOR SUPPORT AGREEMENT (this &#8220;Support Agreement&#8221;) is made and entered into as of
October&nbsp;29, 2025 (the &#8220;Execution Date&#8221;), by and among Servbanc Holdco, Inc., an Arizona corporation and registered bank holding company (&#8220;Parent&#8221;), Servbank, National Association, a national banking association with its
main office in Oswego, Illinois (&#8220;Servbank&#8221;), IF Bancorp, Inc., a Maryland corporation and registered savings and loan holding company (&#8220;Company&#8221;), and Iroquois Federal Savings and Loan Association, a federal savings and loan
association with its main office in Watseka, Illinois (&#8220;Bank&#8221;), and [&#149;], an individual resident of the State of [&#149;] (the &#8220;Undersigned&#8221;). Terms with their initial letters capitalized and not otherwise defined herein
have the meanings given to them in the Agreement (as defined below). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Undersigned is a director of the Company and/or the Bank; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, Parent and the Company are entering into that certain Agreement and Plan of Merger, dated as of the date hereof (as such agreement
may be amended or supplemented from time to time, the &#8220;Agreement&#8221;), pursuant to which Merger Sub, a wholly-owned subsidiary of Parent, will merge with and into the Company, with the Company continuing as the surviving entity (the
&#8220;Merger&#8221;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the term &#8220;Iroquois Federal Savings and Loan Association&#8221; as used in this Support Agreement
with respect to time periods after the consummation of the merger of the Bank with and into Servbank, with Servbank continuing as the surviving entity (the &#8220;Bank Merger&#8221;), shall mean Servbank, as successor to the Bank in the Bank Merger;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Undersigned, as a director of the Company and the Bank has had access to certain Confidential Information (as defined
below), including, without limitation, information concerning the Company&#8217;s and the Bank&#8217;s business and the relationships between the Company and the Bank, their respective subsidiaries, vendors and customers, and the Company&#8217;s
and/or the Bank&#8217;s status and relationship with peer institutions that compete with Parent, Servbank, the Company and/or the Bank, and has had access to trade secrets, customer goodwill and proprietary information of the Company and/or the Bank
and their respective businesses that constitute a substantial asset to be acquired by Parent and Servbank; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Undersigned
recognizes that Parent&#8217;s and Servbank&#8217;s willingness to enter into the Agreement is dependent on the Undersigned entering into this Support Agreement (including the
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">anti-piracy/non-solicitation/non-competition</FONT></FONT> covenants below) and, therefore, this Support Agreement is incident thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the foregoing and for other good and valuable consideration contained herein and in the Agreement, the
receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1. <U>Director Support</U>. Subject to the terms of this Agreement, the Undersigned agrees to use his or her commercially reasonable efforts
to refrain from harming the goodwill and business relationships of Parent, Servbank, the Company, the Bank and their respective subsidiaries, and their respective customer and client relationships during the term of this Support Agreement. Nothing
herein obligates the Undersigned to perform any services or work for Parent, Servbank, the Company or the Bank following the Effective Time of the Merger. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U><FONT STYLE="white-space:nowrap">Non-Disclosure</FONT> Obligations</U>. The
Undersigned agrees that he or she will not make any unauthorized disclosure, directly or indirectly, of any Confidential Information of Parent, Servbank, the Company or the Bank to third parties, or make any unauthorized use thereof, directly or
indirectly other than to accountants, lawyers and regulators of the Parties or as required by law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Support
Agreement, &#8220;Confidential Information&#8221; means and includes Parent&#8217;s, Servbank&#8217;s, the Company&#8217;s and the Bank&#8217;s confidential and/or proprietary information and/or trade secrets, including those of their respective
subsidiaries, that have been and/or will be developed or used and that cannot be obtained readily by third parties from outside sources. Confidential Information includes, but is not limited to, the: information regarding past, current and
prospective customers and investors and business affiliates, employees, contractors, and the industry not generally known to the public; strategies, methods, books, records, and documents; technical information concerning products, equipment,
services, and processes; procurement procedures, pricing, and pricing techniques, including contact names, services provided, pricing, type and amount of services used; financial data; pricing strategies and price curves; positions; plans or
strategies for expansion or acquisitions; budgets; research; financial and sales data; trading methodologies and terms; communications information; evaluations, opinions and interpretations of information and data; marketing and merchandising
techniques; electronic databases; models and the output from same; specifications; computer programs; contracts; bids or proposals; technologies and methods; training methods and processes; organizational structure; personnel information, including
compensation and bonuses; payments or rates paid to consultants or other service providers; other such confidential or proprietary information; and notes, analysis, compilations, studies, summaries, and other material prepared by or for Parent,
Servbank, the Company, the Bank or any of their respective subsidiaries containing or based, in whole or in part, on any information included in any of the foregoing. The term &#8220;Confidential Information&#8221; does not include any information
that (a)&nbsp;at the time of disclosure or thereafter is generally available to the public, other than by a breach of this Support Agreement by the disclosing party; (b)&nbsp;was available to the disclosing party on a
<FONT STYLE="white-space:nowrap">non-confidential</FONT> basis from a source other than a <FONT STYLE="white-space:nowrap">non-disclosing</FONT> party and is not known by the Undersigned to be subject to any fiduciary, contractual or legal
obligations of confidentiality; or (c)&nbsp;was independently acquired or developed by the Undersigned without violating any obligations of this Support Agreement. The Undersigned acknowledges that Parent&#8217;s, Servbank&#8217;s, the
Company&#8217;s and the Bank&#8217;s respective businesses are highly competitive, that this Confidential Information regarding the Company and the Bank constitutes valuable, special and unique assets to be acquired by Parent and Servbank in the
Merger and constitutes existing valuable, special and unique assets held by the Company and the Bank <FONT STYLE="white-space:nowrap">pre-Merger,</FONT> and that protection of such Confidential Information against unauthorized disclosure and use is
of critical importance to Parent and Servbank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <U><FONT STYLE="white-space:nowrap">Non-Competition</FONT> Obligations</U>. The
Undersigned agrees that, for the period beginning on the Execution Date and continuing until the date that is eighteen (18) months after the Effective Time of the Merger (the <FONT STYLE="white-space:nowrap">&#8220;Non-Competition</FONT>
Period&#8221;), the Undersigned will not, except as a director or officer of the Company or the Bank prior to the Effective Time of the Merger or as set forth on <U>Schedule A</U> hereto, in any capacity, directly or indirectly: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) (i)&nbsp;call on, service, solicit or respond to inquiries for competing business from customers of Parent, Servbank, the
Company or the Bank or any of their respective Affiliates if, within the eighteen (18)&nbsp;months before the Execution Date, the Undersigned had or made contact with the customer, or had access to information and files about the customer, or
(ii)&nbsp;intentionally&nbsp;interfere with or damage any relationship between Parent, Servbank, the Company or the Bank or any of their respective Affiliates and any such customer; or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) solicit, induce or respond to inquiries to or from any employee of
Parent, Servbank, the Company or the Bank or any of their respective Affiliates whom the Undersigned had contact with, knowledge of, or association with in the course of service with the Company or the Bank (whether as an employee or a contractor)
to terminate his or her employment from or contract with Parent, Servbank, the Company or the Bank or any of their respective Affiliates, or assist any other Person in such activities; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>provided</I>, <I>however</I>, that the restrictions in the foregoing (a)&nbsp;and (b) will not prohibit the Undersigned from responding to inquiries made
in response to a general solicitation for customers or employees or publicly advertised employment opportunities (including through employment agencies). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <U><FONT STYLE="white-space:nowrap">Non-Competition</FONT> Covenant Reasonable</U>. The Undersigned acknowledges that the restrictions
imposed by this Support Agreement are legitimate, reasonable and necessary to protect Parent&#8217;s and Servbank&#8217;s acquisition of the Company and the Bank and the goodwill and business prospects thereof. The Undersigned acknowledges that the
scope and duration of the restrictions contained herein are reasonable in light of the time that the Undersigned has been a director of the Company and the Bank and the Undersigned&#8217;s relationship with the customers of the Company and/or the
Bank. The Undersigned further acknowledges that the restrictions contained herein are not burdensome to the Undersigned in light of the other opportunities that remain open to the Undersigned. Moreover, the Undersigned acknowledges that he or she
has and will have other means available to him or her for the pursuit of his or her livelihood after the Effective Time of the Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5.
<U>Injunctive Relief and Additional Remedies</U>. The Undersigned acknowledges that the injury that would be suffered by Parent, Servbank, the Company or the Bank as a result of a breach of the provisions of this Support Agreement (including any
provision of Section&nbsp;3) would be irreparable and that an award of monetary damages to Parent, Servbank, the Company or the Bank, as the case may be, for such a breach would be an inadequate remedy. Consequently, each of Parent, Servbank, the
Company and the Bank shall have the right, in addition to any other rights it may have, to seek specific performance, to obtain injunctive relief to restrain any proposed or actual breach or threatened breach or otherwise to specifically enforce any
provision of this Support Agreement without the obligation to post bond or other security in seeking such relief. Such equitable remedies are in addition to the right to obtain compensatory and punitive damages and attorney&#8217;s fees, and,
notwithstanding Parent&#8217;s, Servbank&#8217;s, the Company&#8217;s or the Bank&#8217;s, as the case may be, right to so seek damages, the Undersigned waives any defense that an adequate remedy for Parent, Servbank, the Company or the Bank, as the
case may be, exists under law. If the Undersigned, on the one hand, or Parent, Servbank, the Company or the Bank, on the other hand, must bring suit to enforce this Support Agreement, the prevailing party shall be entitled to recover its reasonable
and documented attorneys&#8217; fees and costs related thereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U>Extension of Restrictive Covenant Period</U>. In the event that
Parent, Servbank, the Company or the Bank shall file a lawsuit in any court of competent jurisdiction alleging a breach of Section&nbsp;3 by the Undersigned and Parent, Servbank, the Company or the Bank is successful on the merits of such lawsuit,
then any time period set forth in this Support Agreement including the time periods set forth in Section&nbsp;3, will be extended one month for each month the Undersigned is finally determined by such court of competent jurisdiction was in breach of
this Support Agreement (not to exceed the number of months remaining in the term of the applicable timer period under this Support Agreement at the time of the breach), so that Parent, Servbank, the Company or the Bank, as the case may be, is
provided the benefit of the full <FONT STYLE="white-space:nowrap">Non-Competition</FONT> Period. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U>Effectiveness of this Support
Agreement</U>. This Support Agreement shall become effective on the Execution Date. This Support Agreement shall automatically terminate and be of no further force or effect if the Agreement (once executed) is terminated in accordance with its terms
or the Merger does not occur. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U>Waiver; Amendment</U>. The rights and remedies of the parties hereto are cumulative
and not alternative. Any party may unilaterally waive a right which is solely applicable to it. Such action will be evidenced by a signed written notice. Neither the failure nor any delay in exercising any right, power or privilege under this
Support Agreement by any party hereto will operate as a waiver thereof. No single or partial exercise of any right, power or privilege hereunder will preclude any other or further exercise thereof or the exercise of any other right, power or
privilege. A waiver of any party of any right or remedy on any one occasion will not be construed as a bar to any right or remedy that such party would otherwise have on any future occasion or to any right or remedy that any other party may have
hereunder. This Support Agreement may be amended, modified or supplemented only by an instrument in writing executed by each of the parties hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <U>Notices</U>. All notices, consents, waivers and other communications required or permitted to be given under this Support Agreement
shall be in writing and shall be deemed to have been duly given if delivered in person, mailed by first class mail (postage prepaid) or sent by email, courier or personal delivery (with any applicable payment) to the parties hereto at the following
addresses unless by such notice a different address shall have been designated: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to Parent or Servbank: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Servbanc Holdco, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">3138 East
Elwood Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Phoenix, Arizona 85034 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Attention:&#8195;&#8195;&#8194;Stavros Papastavrou </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Electronic mail: stavros.papastavrou@servbank.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WITH A COPY TO: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Hunton Andrews
Kurth LLP </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1445 Ross Avenue, Suite 3700 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Dallas, Texas 75202 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attention:&#8195;&#8195;&#8194;Peter. G Weinstock </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; text-indent:4%; font-size:10pt; font-family:Times New Roman">Beth A. Whitaker </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Electronic mail: pweinstock@HuntonAK.com </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:11%; text-indent:4%; font-size:10pt; font-family:Times New Roman">bwhitaker@HuntonAK.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the Company or the Bank: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IF Bancorp, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">201 East Cherry
Street Watseka, Illinois 60970 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Attention: Walter H. Hasselbring III </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Electronic mail: whasselbring@iroquoisfed.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WITH A COPY TO: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Luse Gorman, PC
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Attention: Larry Spacassi </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">5335 Wisconsin Avenue NW, Suite 780 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Washington, DC 20015 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Email:
lspaccasi@luselaw.com </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If to the Undersigned: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the address set forth on the Undersigned&#8217;s signature page hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All notices sent by mail as provided above shall be deemed delivered three (3)&nbsp;days after deposit in the mail, all notices sent by
courier as provided above shall be deemed delivered upon confirmation of receipt, and all notices sent by email shall be deemed delivered upon confirmation of receipt. All other notices shall be deemed delivered when actually received. Any party to
this Support Agreement may change its address for the giving of notice specified above by giving notice as provided herein. Notices permitted to be sent via email shall be deemed delivered only if sent to such persons at such email addresses as may
be set forth in writing (and confirmation of receipt is received by the sending party). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U>Successors and Assigns</U>. This Support
Agreement shall be binding upon and shall inure to the benefit of Parent, Servbank, the Company, the Bank and their respective successors and assigns, including, without limitation, any successor by merger, consolidation or stock purchase of Parent,
Servbank, the Company, the Bank and any Person that acquires all or substantially all of the assets of Parent, Servbank, the Company or the Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">11. <U>Governing Law; Jurisdiction</U>. THIS SUPPORT AGREEMENT IS TO BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAWS OF THE STATE OF
DELAWARE, WITHOUT REGARD FOR THE PROVISIONS THEREOF REGARDING CHOICE OF LAW THAT WOULD APPLY THE LAW OF A DIFFERENT JURISDICTION. VENUE FOR ANY CAUSE OF ACTION BETWEEN THE PARTIES TO THIS SUPPORT AGREEMENT WILL LIE IN ANY FEDERAL OR STATE COURT
SITTING IN THE STATE OF DELAWARE. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">12. <U>Entire Agreement</U>. This Support Agreement, together with the Agreement and the agreements
contemplated thereby, embody the entire agreement and understanding of the parties hereto in respect to the subject matter contained herein. This Support Agreement supersedes all prior agreements and understandings among the parties hereto with
respect to such subject matter contained herein. In the event of a conflict between the terms of this Support Agreement and the terms of the Agreement, the terms of the Agreement shall control. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">13. <U>No Third-Party Beneficiaries</U>. Nothing contained in this Support Agreement, express or implied, is intended to confer upon any
persons, other than the parties hereto or their respective successors, any rights, remedies, obligations or liabilities under or by reason of this Support Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">14. <U>Severability</U>. If any provision of this Support Agreement is held invalid or unenforceable by any court of competent jurisdiction,
the other provisions of this Support Agreement will remain in full force and effect. Any provision of this Support Agreement held invalid or unenforceable only in part or degree will remain in full force and effect to the extent not held invalid or
unenforceable. If any restriction in this Support Agreement is held invalid or unenforceable by any court of competent jurisdiction, it is the intention of the parties hereto that the restrictions be reformed by such court in such a manner that
protects the business and Confidential Information of Parent, Servbank, the Company and the Bank to the maximum extent permissible. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">15. <U>Representation by Counsel; Interpretation</U>. Each party hereto acknowledges that it
has had the opportunity to be represented by counsel in the negotiation, preparation and execution of this Support Agreement and the transactions contemplated hereby. Accordingly, any rule of law, including, but not limited to, the doctrine of
<I>contra proferentem</I>, or any legal decision which would require interpretation of any claimed ambiguities in this Support Agreement against the drafting party has no application and is expressly waived. The provisions of this Support Agreement
shall be interpreted in a reasonable manner to effect the intent of the parties hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">16. <U>Section Headings, Construction</U>. The
headings of Sections in this Support Agreement are provided for convenience only and will not affect its construction or interpretation. All references to &#8220;Section&#8221; or &#8220;Sections&#8221; refer to the corresponding Section or Sections
of this Support Agreement unless otherwise specified. All words used in this Support Agreement will be construed to be of such gender or number, as the circumstances require. Unless otherwise expressly provided, the word &#8220;including&#8221; does
not limit the preceding words or terms. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">17. <U>Counterparts</U>. For the convenience of the parties hereto, this Support Agreement may be
executed (including by electronic means) simultaneously in two or more counterparts, each of which will be deemed an original but all of which shall constitute one and the same instrument. An email or electronic scan in &#8220;.pdf&#8221; format of
a signed counterpart of this Support Agreement will be sufficient to bind the party or parties whose signature(s) appear thereon. </P>
<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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the undersigned have executed this Support Agreement as of the date
first above written. </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>

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<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>SERVBANC HOLDCO, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Stavros Papastavrou, Chairman</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>SERVBANK, NATIONAL ASSOCIATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Stavros Papastavrou, Chairman</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>IF BANCORP, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Director Support Agreement] </I></P>

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<TD VALIGN="bottom" COLSPAN="3"><B>DIRECTOR</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <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>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">_________________________________________</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Address:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Director Support Agreement]</I> </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>SCHEDULE A </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXISTING CAPACITY AND/OR EXISTING OWNERSHIP </B></P>
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<DOCUMENT>
<TYPE>EX-10.3
<SEQUENCE>5
<FILENAME>d58995dex103.htm
<DESCRIPTION>EX-10.3
<TEXT>
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<TITLE>EX-10.3</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 10.3 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>EXHIBIT E </U></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM
OF RELEASE BY DIRECTOR/OFFICER </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">THIS RELEASE BY DIRECTOR/OFFICER (this &#8220;Release&#8221;), dated as of October&nbsp;29, 2025, is
made by [&#149;], a resident of the State of [&#149;] (the &#8220;Releasor&#8221;), in favor of IF Bancorp, Inc., a Maryland corporation and registered savings and loan holding company (the &#8220;Company&#8221;), and Iroquois Federal Savings and
Loan Association, a federal savings and loan association with its main office in Watseka, Illinois (the &#8220;Bank&#8221;). Terms with their initial letters capitalized and not otherwise defined herein have the meanings given to them in the
Agreement (as defined below). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Releasor is a duly elected or appointed director and/or officer of the Company and/or the Bank; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, ServBanc Holdco, Inc., an Arizona corporation and registered bank holding company (&#8220;Parent&#8221;), and the Company have
entered into that certain Agreement and Plan of Merger, dated as of the date hereof (as such agreement may be amended or supplemented from time to time, the &#8220;Agreement&#8221;), pursuant to which Merger Sub (as defined in the Agreement), a
wholly-owned subsidiary of Parent, will merge with and into the Company, with the Company continuing as the surviving entity (the &#8220;Merger&#8221;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, it is a condition to the obligation of Parent to consummate the transactions contemplated by the Agreement that the Releasor execute
and deliver this Release to confirm the absence of, and release, certain claims by the Releasor Persons (as defined below) against the Released Parties arising from liabilities and obligations existing prior to the Effective Time (as defined in the
Agreement). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the promises contained herein and other good and valuable consideration, including,
without limitation, the consideration and other benefits to be received by the Releasor pursuant to the Agreement, the receipt and sufficiency of which are hereby acknowledged, the Releasor hereby agrees as follows: </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">1.
<U>Release</U>. Effective at and as of the Effective Time, the Releasor, on his or her own behalf and on behalf of his or her heirs, executors, administrators, agents, successors and permitted assigns (collectively, the &#8220;Releasor
Persons&#8221;) hereby irrevocably and unconditionally releases, waives and forever discharges the Company and the Bank and each of their respective successors, assigns, predecessors, Subsidiaries and Affiliates, and each of its past or present
directors, officers, shareholders, employees, agents and representatives, other than the Releasor and any Releasor Persons (each, a &#8220;Released Party&#8221; and collectively, the &#8220;Released Parties&#8221;) (but, in the case of any Released
Party that is an individual, only as to their actions or omissions in their capacity as directors, officers, shareholders, employees, agents or representatives of such Released Parties) from any and all manners of actions, causes of action, suits,
debts, dues, sums of money, accounts, reckonings, bonds, bills, covenants, contracts, controversies, agreements, promises, variances, trespasses, damages, judgments, executions, claims and demands of every type and nature whatsoever, known and
unknown, in law or equity, now existing or that may arise after the date hereof, relating to, arising out of or in connection with the Company and the Bank and their respective businesses or assets, including any claims arising out of or resulting
from the Releasor&#8217;s status, relationship, affiliation, rights, obligations and/or duties as a director, officer, employee or shareholder of the Company and the Bank, as applicable, for all periods or events occurring or circumstances existing
prior to the </P>
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Effective Time (each, a &#8220;Claim&#8221; and collectively, the &#8220;Claims&#8221;); <I>provided</I>, <I>however</I>, that unless otherwise expressly waived by the Releasor Persons in writing
in connection with the Merger, a Released Party shall not be released from any Claims of the Releasor Persons (a)&nbsp;in connection with any accrued compensation, any expense reimbursement, and other rights and benefits under any benefit plan,
health insurance reimbursement, consulting, retirement, employment, severance, change in control or equity agreement or arrangement between the Releasor and the Company and/or the Bank or any Affiliate or Subsidiary thereof, (b)&nbsp;as to any
rights of indemnification pursuant to: (i)&nbsp;the Agreement, (ii)&nbsp;the articles of incorporation and bylaws of the Company, (iii)&nbsp;the charter and bylaws of the Bank or any Affiliate or Subsidiary thereof or similar constituent documents,
(iv)&nbsp;any other written agreement between or among the Releasor and the Company and/or the Bank, or (v)&nbsp;applicable law pertaining to current or former directors and officers of corporations organized thereunder, (c)&nbsp;as to any rights to
claim <FONT STYLE="white-space:nowrap">non-medical</FONT> insurance coverage or to be defended under any <FONT STYLE="white-space:nowrap">non-medical</FONT> insurance coverage for acts, events, and omissions occurring prior to Releasor&#8217;s
execution of this Release, including without limitation any directors and officers insurance coverage which applies to or benefits directors and/or officers of Company or the Bank or any Affiliate or Subsidiary thereof and which applies to the
Releasor or the other Releasor Persons, (d)&nbsp;in connection with any deposits or similar accounts or banking products of the Releasor at the Bank, including any existing lines of credit, loan commitments or lending agreements between the Bank and
the Releasor, (e)&nbsp;for any portion of the Merger Consideration or any dividend or distribution to which the Releasor or the other Releasor Persons are or may be entitled, (f)&nbsp;arising under or relating to the Agreement, or (g)&nbsp;for
unemployment benefits. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Releasor hereby represents and warrants that, in his or her capacity as a director, officer, employee and/or
shareholder of the Company and/or the Bank, as applicable, the Releasor has no knowledge of any Claims that the Releasor may have against the Released Parties, except for any claims excepted from this Release in the proviso clause to Section&nbsp;1
hereof. The Releasor hereby further represents and warrants to the Released Parties that the Releasor is the sole owner of, and has not sold, assigned or otherwise transferred (with or without consideration) to any person, any Claims being released
hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">2. <U>No Admission</U>. Neither the execution nor the delivery of this Release, nor the performance of the terms hereof, by any
of the parties hereto shall be considered an admission by any of them of any present or past wrongdoing or liability, and any and all such alleged admissions or liabilities are hereby expressly denied by all of the parties hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">3. <U>Authority; Representation By Counsel</U>. The Releasor hereby represents and warrants that he or she has full power and authority to
enter into, execute and deliver this Release, all proceedings required to be taken to authorize the execution, delivery and performance of this Release and the agreements and undertakings relating hereto and the transactions contemplated hereby have
been validly and properly taken and this Release constitutes a valid and binding obligation of the Releasor in the capacity in which executed. The Releasor further represents and warrants that he or she has entered into this Release freely of his or
her own accord and without reliance on any representations of any kind of character not set forth herein. The Releasor enters into this Release after the opportunity to consult with his or her own legal counsel. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">4. <U>Covenant Not To Sue</U>. It is the intent of the parties hereto that, except as expressly reserved herein, the consideration received
pursuant hereto satisfies and finally resolves all Claims, if any, that have arisen between or among them prior to the date hereof, and the Releasor agrees that such Claims are hereby satisfied and resolved. It is expressly intended and agreed that
neither the Releasor nor any Releasor Person shall assert against any Released Party any Claim based on the matters encompassed by this Release, other than such matters expressly excluded from the scope of Section&nbsp;1 hereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">5. <U>Successors</U>. This Release shall be binding upon the Releasor, the Releasor Persons
and their respective heirs, executors, administrators, agents, successors and permitted assigns and shall inure to the benefit of the Released Parties and their respective successors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">6. <U>Governing Law; Construction</U>. This Release shall be governed by and construed in accordance with the laws of State of Delaware,
without giving effect to any principles of conflict of laws. This Release is executed and delivered in connection with and pursuant to the Agreement and shall be construed as a part of the transactions contemplated by the Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">7. <U>Entire Agreement; Amendment</U>. This Release represents the entire understanding between the parties relating to the subject matter
hereof and supersedes all prior agreements and negotiations between the parties hereto with respect to such matters. This Release shall not be amended, modified or altered in any manner except in writing signed by the parties hereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">8. <U>Severability; Modification</U>. If any provision of this Release is held by a court of competent jurisdiction to be invalid, void, or
unenforceable, the remaining provisions shall remain in full force and effect, as if this Release has been executed without any such invalid provisions having been included. Such invalid provision shall be reformed in a manner that is both
(a)&nbsp;legal and enforceable and (b)&nbsp;most closely represents the parties&#8217; original intent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">9. <U>Counterparts</U>. For the
convenience of the parties hereto, this Release may be executed (including by electronic means) simultaneously in two or more counterparts, each of which will be deemed an original but all of which shall constitute one and the same instrument. An
email or electronic scan in &#8220;.pdf&#8221; format of a signed counterpart of this Release will be sufficient to bind the party or parties whose signature(s) appear thereon. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">10. <U>Termination of Release</U>. This Release shall become effective only at and as of the Effective Time of the Merger. If the Effective
Time of the Merger shall not occur for any reason, this Release shall not become effective and shall be void and of no force or effect. </P>
<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="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have executed this Release as of the date first above
written. </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="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="88%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>IF BANCORP, INC.</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>IROQUOIS FEDERAL SAVINGS AND LOAN ASSOCIATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000;">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Walter H. Hasselbring III, Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>RELEASOR</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<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">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">___________________________________________</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to
Release by Director/Officer] </I></P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <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" ALIGN="center">&#8195;<B> </B>


<IMG SRC="g58995g1030023525795.jpg" ALT="LOGO">



<IMG SRC="g58995g1030023525920.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ServBanc Holdco, Inc. and IF Bancorp, Inc. Announce Agreement to Merge </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Thursday, October&nbsp;30, 2025 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">OSWEGO, IL and WATSEKA,
IL&#8211;(BUSINESS WIRE) &#8211; ServBanc Holdco, Inc. (&#8220;ServBanc Holdco&#8221;), the holding company for Servbank, National Association (&#8220;Servbank&#8221;) and IF Bancorp, Inc. (NASDAQ: IROQ) (&#8220;IF Bancorp&#8221;), the holding
company for Iroquois Federal Savings and Loan Association (&#8220;Iroquois Federal&#8221;), today jointly announced that they have entered into a definitive agreement whereby ServBanc Holdco and Servbank will acquire IF Bancorp and Iroquois Federal,
respectively. Servbank is a banking institution with Illinois roots and a national reach. With this transaction, Servbank is strategically expanding its franchise into central Illinois. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IF Bancorp&#8217;s shareholders will receive approximately $89.8&nbsp;million, or $27.20 per share, in cash for each share of IF Bancorp common stock, subject
to certain potential adjustments described in the definitive agreement. The transaction has been unanimously approved by the boards of directors of both ServBanc Holdco and IF Bancorp and is subject to regulatory approval, IF Bancorp shareholder
approval and other conditions set forth in the definitive agreement. The transaction is expected to close in the first quarter of 2026. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Stavros
Papastavrou, Chairman of ServBanc Holdco and Servbank commented, &#8220;The combination of two storied franchises in Servbank and Iroquois Federal presents compelling opportunities for our communities, customers, employees and shareholders. On
behalf of our entire team, we are excited to welcome the Iroquois colleagues to the Servbank family.&#8221; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Donald Satiroff, Chief Executive Officer of
Servbank further stated, &#8220;We are extremely excited to work alongside the Iroquois team and to be part of Iroquois&#8217; continued success in the communities that it serves. We intend to honor Iroquois&#8217; emphasis on providing exceptional
levels of service to its customers, strengthening Iroquois&#8217; current relationships, and developing new ones.&#8221; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Walter H. &#8220;Chip&#8221;
Hasselbring, III, Chairman and Chief Executive Officer of IF Bancorp and Iroquois Federal, commented, &#8220;We recognize the great opportunity this strategic affiliation with Servbank provides for our clients, customers, communities and employees
while satisfying our responsibilities to current shareholders. Servbank&#8217;s mission aligns with our values by creating excellence, the highest quality experience and innovative solutions going forward.&#8221; Hasselbring continues &#8220;the
technology of banking today requires investment in systems to bring this quality service. We are excited about the Servbank platform.&#8221; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Further,
given the announcement of this transaction with ServBanc Holdco, IF Bancorp today announced the indefinite postponement of its 2025 annual shareholder meeting. IF Bancorp does not anticipate convening its 2025 annual shareholder meeting if the
merger is completed as currently contemplated. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Performance Trust Capital Partners, LLC served as financial advisor and Hunton Andrews Kurth LLP served as
legal counsel to ServBanc Holdco, Inc. Keefe Bruyette&nbsp;&amp; Woods, Inc., <I>a Stifel Company</I>, served as financial advisor and Luse Gorman, PC served as legal counsel to IF Bancorp, Inc. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About ServBanc Holdco, Inc. </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">ServBanc Holdco, Inc. is an
Arizona corporation and registered bank holding company for Servbank, National Association. Servbank, National Association was originally founded in 1994 and conducts its operations from its headquarters in Oswego, Illinois. More information about
Servbank, National Association is available at <U>https://servbank.com/</U>. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>About IF Bancorp, Inc. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IF Bancorp, Inc. is the savings and loan holding company for Iroquois Federal Savings and Loan Association. Iroquois Federal, originally chartered in 1883 and
headquartered in Watseka, Illinois, conducts its operations from seven full-service banking offices located in Watseka, Danville, Clifton, Hoopeston, Savoy, Bourbonnais, and Champaign, Illinois and a loan production office in Osage Beach, Missouri.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Forward-Looking Statements </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This press release
contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that are subject to risks and uncertainties and are made pursuant to the safe harbor provisions of Section&nbsp;27A of the Securities
Act.&nbsp;Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often, but not always, include words like &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221;
&#8220;estimate,&#8221; and &#8220;intend&#8221; or future or conditional verbs such as &#8220;will,&#8221; &#8220;would,&#8221; &#8220;should,&#8221; &#8220;could,&#8221; or &#8220;may.&#8221;&nbsp;Certain factors that could cause actual results to
differ materially from expected results include and the other factors detailed from time to time in IF Bancorp&#8217;s reports filed with the Securities and Exchange Commission, including those described in its Forms
<FONT STYLE="white-space:nowrap">10-K</FONT> and the following:&nbsp;delays in completing or the inability to complete the merger, including delays in obtaining or the inability to obtain regulatory or shareholder approval, difficulties in achieving
cost savings from the merger or in achieving such cost savings within the expected time frame, difficulties in integrating Servbank and Iroquois Federal, the reaction of the companies&#8217; customers, employees and counterparties to the
transaction, increased competitive pressures, changes in the interest rate environment, changes in general economic conditions, legislative and regulatory changes that adversely affect the business in which ServBanc Holdco and IF Bancorp are
engaged, the effects of any shutdown of the federal government, or changes in the securities markets and other risks and uncertainties.&nbsp;Undue reliance should not be placed on the forward-looking statements, which speak only as of the date
hereof. Neither ServBanc Holdco nor IF Bancorp undertakes, and each specifically disclaims any obligation, to publicly release the result of any revisions that may be made to update any forward-looking statement to reflect the events or
circumstances after the date on which the forward-looking statement is made, or reflect the occurrence of unanticipated events, except to the extent required by law. All forward-looking statements, express or implied, included in the press release
are qualified in their entirety by this cautionary statement. </P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Additional Information </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In connection with the proposed merger, IF Bancorp will provide its shareholders with a proxy statement and other relevant documents concerning the proposed
transaction.&nbsp;Shareholders of IF Bancorp are urged to read the proxy statement and other relevant documents and any amendments or supplements to those documents, because they will contain important information which should be considered before
making any decision regarding the transaction. In addition to the proxy statement being mailed to shareholders of IF Bancorp, shareholders of IF Bancorp will also be able to obtain a copy of the proxy statement, and any other relevant documents,
without charge, when they become available, at the Securities and Exchange Commission website (www.sec.gov), on the IF Bancorp investor relations website (ifbancorp.q4ir.com), or by directing a request to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ashtyn Barrett </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Corporate Secretary </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IF Bancorp, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">201 East Cherry Street </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Watseka, IL 60970 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The information available through IF
Bancorp&#8217;s investor relations website is not and shall not be deemed part of this press release or incorporated by reference into other filings that IF Bancorp makes with the Securities and Exchange Commission. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">IF Bancorp and certain of its directors and executive officers may be deemed to be participants in the solicitation of proxies from the shareholders of IF
Bancorp in connection with the proposed transaction.&nbsp;Information about the directors and executive officers of IF Bancorp is set forth in IF Bancorp&#8217;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> filed with the
Securities and Exchange Commission on September&nbsp;11, 2025, and in the amendment to its Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> filed with the Securities and Exchange Commission on October&nbsp;28, 2025.&nbsp;Additional
information regarding the interests of these participants and any other persons who may be deemed participants in the transaction may be obtained by reading the proxy statement regarding the proposed merger when it becomes available.&nbsp;Free
copies of this document may be obtained as described in the preceding paragraph. </P>
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    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>9
<FILENAME>iroq-20251029_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Release 2512 Build:20250722.1 -->
<!-- Creation date: 10/30/2025 5:14:26 PM Eastern Time -->
<!-- Copyright (c) 2025 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
    xmlns:link="http://www.xbrl.org/2003/linkbase"
    xmlns:xlink="http://www.w3.org/1999/xlink"
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    xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
    xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:roleRef roleURI="http://iroquoisfed.com//20251029/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="iroq-20251029.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
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    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityCentralIndexKey" order="23.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentType" order="25.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_DocumentPeriodEndDate" order="26.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityRegistrantName" order="27.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityIncorporationStateCountryCode" order="28.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityFileNumber" order="29.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityTaxIdentificationNumber" order="30.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressAddressLine1" order="31.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressCityOrTown" order="32.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="dei_CoverAbstract" xlink:to="dei_EntityAddressStateOrProvince" order="33.001" priority="2" use="optional" preferredLabel="http://www.xbrl.org/2003/role/terseLabel" />
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.25.3</span><table class="report" border="0" cellspacing="2" id="id2">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Oct. 29, 2025</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0001514743<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 29,  2025<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">IF BANCORP, INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">MD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-35226<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">45-1834449<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">201 East Cherry Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Watseka<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">IL<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">60970<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(815)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">432-2476<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common Stock, par value $0.01 per share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">IROQ<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:normalizedStringItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period. The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<td>dei:centralIndexKeyItemType</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
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<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
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<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:employerIdItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dei:securityTitleItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td>dei:edgarExchangeCodeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14a<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<td style="white-space:nowrap;">dei_WrittenCommunications</td>
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<td>xbrli:booleanItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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