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

Company: OLD SECOND BANCORP INC
Filing Date: 2025-04-23
Form: S-4
Chunk 25
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ation of the merger, other than Darin Campbell will become an executive officer of Old Second and Old Second National Bank with the title of Executive Vice President and as “President of National Specialty Lending,” “President, FreedomRoad Financial” and “President, Performance Finance”.

For a more complete description of the board of directors and executive officers following the merger, see “The Merger — Board of Directors and Executive Officers of the Combined Company and the Combined Bank” beginning on page 58.

Regulatory Approvals Required for the Merger (page 58)

Subject to the terms of the merger agreement, both Old Second and Bancorp Financial have agreed to use their reasonable best efforts to obtain as promptly as practicable all regulatory approvals necessary or advisable to complete the transactions contemplated by the merger agreement. These approvals include approvals from the Board of Governors of the Federal Reserve System, which we refer to as the “Federal Reserve Board,” in connection with the merger, and the Office of the Comptroller of the Currency, which we refer to as the “OCC,” in connection with the bank merger. Notifications and/or applications requesting approval for the transactions contemplated by the merger agreement may also be submitted to other federal and state regulatory authorities and self-regulatory organizations. Old Second, Bancorp Financial and/or their respective subsidiaries filed notices and applications to obtain the necessary regulatory approvals on March 27, 2025. The completion of the merger is also subject to the expiration of certain waiting periods and other requirements. Although neither Old Second nor Bancorp Financial knows of any reason why it would not be able to obtain the necessary regulatory approvals to complete the merger and bank merger, as applicable, in a timely manner, neither Old Second nor Bancorp Financial can be certain when or if it will obtain such approvals or, if obtained, whether such approvals will contain terms, conditions or restrictions not currently contemplated that will restrain, prevent or delay the closing of the merger. For more

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information regarding the regulatory approvals to which completion of the merger and bank merger are subject, see “The Merger — Regulatory Approvals Required for the Merger” beginning on page 58.

#### Conditions to the Merger (page 72)
The obligations of Old Second and Bancorp Financial to complete the merger are each subject to the satisfaction (or waiver, if permitted) of the following conditions:

•

the approval of the merger proposal by Bancorp Financial stockholders;

•

the receipt of all required regulatory approvals which are necessary to