Company: OSBC
Filing Date: 2025-05-08
Form Type: 424B3
Source: 0001104659-25-046065
Chunk: 141

Company: OLD SECOND BANCORP INC
Filing Date: 2025-05-08
Form: 424B3
Chunk 141
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TABLE OF CONTENTS

COMPARISON OF RIGHTS OF BANCORP FINANCIAL STOCKHOLDERS AND OLD SECOND STOCKHOLDERS General Bancorp Financial is incorporated under the laws of the State of Delaware, and the rights of Bancorp Financial stockholders are governed by the DGCL, as well as the Bancorp Financial certificate of incorporation and the Bancorp Financial bylaws. As a result of the merger, Bancorp Financial stockholders who receive shares of Old Second common stock will become stockholders of Old Second. Old Second is also incorporated under the laws of the State of Delaware, and the rights of Old Second stockholders are similarly governed by the DGCL, the Old Second certificate of incorporation (which we refer to as the “Old Second charter”), and the Old Second bylaws. Accordingly, following the merger, the rights of Bancorp Financial stockholders who become Old Second stockholders will continue to be governed by Delaware law, but will instead be subject to the provisions of the Old Second charter and the Old Second bylaws, which may differ in certain respects from those of Bancorp Financial. Comparison of Rights of Bancorp Financial Stockholders and Old Second Stockholders Set forth below is a summary comparison of material differences between the rights of Bancorp Financial stockholders under Delaware law, the Bancorp Financial certificate of incorporation (the “Bancorp Financial charter”), and the Bancorp Financial bylaws (left column) and the rights of Old Second stockholders under Delaware law, the Old Second charter and the Old Second bylaws (right column). The summary set forth below is not intended to be complete or to provide a comprehensive discussion of each company’s governing documents. This summary is qualified in its entirety by reference to the full text of the Old Second charter, the Old Second bylaws, the Bancorp Financial charter, the Bancorp Financial bylaws and the other documents or agreements referenced below, as well as the relevant provisions of the DGCL. Copies of Old Second’s governing documents are filed as exhibits to the reports of Old Second as incorporated by reference into this proxy statement/prospectus. See “Where You Can Find More Information” in the forepart of this proxy statement/prospectus and “Incorporation of Certain Documents by Reference” beginning on page 126.

| ​                             | ​ | ​ | BANCORP FINANCIAL                                                                                                                                                                                                                                                                                                                                                             | ​ | ​ | OLD SECOND                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   | ​ |
| Authorized Capital Stock      | ​ |