Company: OSBC
Filing Date: 2025-04-23
Form Type: S-4
Source: 0001104659-25-037832
Chunk: 17

Company: OLD SECOND BANCORP INC
Filing Date: 2025-04-23
Form: S-4
Chunk 17
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 cash received for such fractional share and the U.S. holder’s adjusted tax basis in its shares of Bancorp Financial common stock allocable to that fractional share.

For more information, see “Material U.S. Federal Income Tax Consequences of the Merger” beginning on page 76. The consequences of the merger to any particular stockholder will depend on that stockholder’s particular facts and circumstances. Accordingly, you are urged to consult with your tax advisor to determine your tax consequences from the merger.

#### Q:   What happens if the merger is not completed?
A:

If the merger is not completed, Bancorp Financial stockholders will not receive any consideration for their shares of Bancorp Financial common stock in connection with the merger. Instead, Bancorp Financial will remain an independent company. In addition, if the merger agreement is terminated, in certain circumstances, Bancorp Financial may be required to pay Old Second a fee with respect to such termination of the merger agreement. See “The Merger Agreement — Termination of the Merger Agreement” and “The Merger Agreement — Effect of Termination” beginning on pages 73 and 74, respectively.

Q:

What happens if I sell my shares after the applicable record date before the Bancorp Financial special meeting?

A:

The Bancorp Financial record date is earlier than the date of the special meeting, and earlier than the date that the merger is expected to be completed. If you sell or otherwise transfer your shares of Bancorp Financial common stock after the applicable record date but before the date of the special meeting, you will retain your right to vote at such meeting (provided that such shares remain outstanding on the date of such meeting), but you will not have the right to receive the merger consideration in connection with the merger. In order to receive the merger consideration, you must hold your shares of Bancorp Financial common stock through completion of the merger.

Q:

What do I do if I receive more than one proxy statement/prospectus or set of voting instructions?

A:

Bancorp Financial stockholders may receive more than one set of voting materials, including multiple copies of this proxy statement/prospectus and multiple proxy cards or voting instruction forms. For example, if you hold shares of Bancorp Financial common stock in more than one brokerage account, you will receive a separate voting instruction form for each brokerage account in which you hold such shares. If you hold shares directly as a record holder and also in “street name” or otherwise through a nominee, you will receive more than one proxy statement/prospect