| JUNIOR                SUBORDINATED INDENTURE between HARLEYSVILLE                NATIONAL CORPORATION  and  WILMINGTON                TRUST COMPANY,*as                Trustee*  _____________________Dated                as of August 22, 2007_____________________  |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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**TABLE      OF CONTENTS**

**                                                                                                 Page**

|  SECTION              1.1.              |  Definitions..........................................................................................................................................................................1                     |
|----------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              1.2.              |  Compliance              Certificate and              Opinions................................................................................................................................10            |
|  SECTION              1.3.              |  Forms              of Documents Delivered to              Trustee........................................................................................................................11                |
|  SECTION              1.4               |  Acts              of              Holders...............................................................................................................................................................12 |
|  SECTION              1.5.              |  Notices,              Etc.....................................................................................................................................................................14           |
|  SECTION              1.6.              |  Notice              to Holders;              Waiver. .............................................................................................................................................14  |
|  SECTION              1.7.              |  Effect              of Headings and Table of              Contents. .......................................................................................................................14         |
|  SECTION              1.8.              |  Successors              and              Assigns...................................................................................................................................................15      |
|  SECTION              1.9.              |  Separability              Clause..........................................................................................................................................................15               |
|  SECTION              1.10.             |  Benefits              of              Indenture........................................................................................................................................................15  |
|  SECTION              1.11.             |  Governing              Law................................................................................................................................................................15               |
|  SECTION              1.12.             |  Submission              to              Jurisdiction.................................................................................................................................................15    |
|  SECTION              1.13.   |  Non-Business              Days.........................................................................................................................................................15                  |
|                                         |                                                                                                                                                                                                             |

|  SECTION              2.1.  | Form                of                Security................................................................................................................................................................16 |
|---------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              2.2.  | Restricted                Legend..............................................................................................................................................................16                 |
|  SECTION              2.3.       | Form                of Trustee’s Certificate of                Authentication....................................................................................................................16        |
|  SECTION              2.4.  | Temporary                Securities..........................................................................................................................................................16                  |
|  SECTION              2.5.       | Definitive                Securities............................................................................................................................................................17               |

|  SECTION              3.1.                   | Payment              of Principal and              Interest..........................................................................................................................................17          |
|------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              3.2.                        | Denominations......................................................................................................................................................................19                            |
|  SECTION              3.3.                   | Execution,              Authentication, Delivery and              Dating......................................................................................................................19                 |
|  SECTION              3.4.         | Global              Securities...................................................................................................................................................................20              |
|  SECTION              3.5.              | Registration,              Transfer and Exchange              Generally.......................................................................................................................22                 |
|  SECTION              3.6.                             | Mutilated,              Destroyed, Lost and Stolen              Securities...................................................................................................................23                  |
|  SECTION              3.7.                   | Persons              Deemed              Owners.....................................................................................................................................................24           |
|  SECTION              3.8.                        | Cancellation..........................................................................................................................................................................24                         |
|  SECTION              3.9.         | Deferrals              of Interest Payment              Dates......................................................................................................................................24            |
|  SECTION                3.10.      | Right              of              Set-Off....................................................................................................................................................................25 |
|  SECTION              3.11.                       | Agreed              Tax              Treatment..........................................................................................................................................................25       |

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|  SECTION                3.12.   | CUSIP              Numbers.................................................................................................................................................................25 |
|------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|  SECTION              4.1.    |  Satisfaction              and Discharge of              Indenture....................................................................................................................................26     |
|---------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              4.2.         |  Application              of Trust              Money.....................................................................................................................................................27 |
|                                              |                                                                                                                                                                                                              |

|  SECTION              5.1.                    | Events              of              Default......................................................................................................................................................................27 |
|---------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              5.2.                         | Acceleration              of Maturity; Rescission and              Annulment..................................................................................................................28                    |
|  SECTION              5.3.                         | Collection              of Indebtedness and Suits for Enforcement by              Trustee...............................................................................................29                          |
|  SECTION              5.4.               | Trustee              May File Proofs of              Claim.............................................................................................................................................30           |
|  SECTION              5.5.                         | Trustee              May Enforce Claim Without Possession of              Securities....................................................................................................30                          |
|  SECTION              5.6.                         | Application              of Money              Collected...............................................................................................................................................31           |
|  SECTION              5.7.     | Limitation              on              Suits....................................................................................................................................................................31 |
|  SECTION              5.8.                         | Unconditional              Right of Holders to Receive Principal, Premium              and Interest; Direct Action by Holders of Preferred              Securities......32                                     |
|  SECTION              5.9.     | Restoration              of Rights and              Remedies..........................................................................................................................................32            |
|  SECTION              5.10.                   | Rights              and Remedies              Cumulative...............................................................................................................................................32           |
|  SECTION              5.11.                   | Delay              or Omission Not              Waiver.................................................................................................................................................33           |
|  SECTION              5.12.                   | Control              by              Holders...................................................................................................................................................................33   |
|  SECTION              5.13.              | Waiver              of Past              Defaults............................................................................................................................................................33     |
|  SECTION              5.14                         | Undertaking              for              Costs..............................................................................................................................................................34     |
|  SECTION              5.15.              | Waiver              of Usury, Stay or Extension              Laws.................................................................................................................................34                |

|  SECTION              6.1.              | Corporate              Trustee              Required.....................................................................................................................................................34        |
|---------------------------------------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              6.2.                   | Certain              Duties and              Responsibilities............................................................................................................................................35        |
|  SECTION              6.3.              | Notice              of              Defaults....................................................................................................................................................................36 |
|  SECTION              6.4.                   | Certain              Rights of              Trustee..........................................................................................................................................................36    |
|  SECTION              6.5.              | May              Hold              Securities.................................................................................................................................................................38   |
|  SECTION              6.6.    | Compensation;              Reimbursement;              Indemnity................................................................................................................................38                 |
|  SECTION              6.7.                   | Resignation              and Removal; Appointment of              Successor................................................................................................................39                      |
|  SECTION              6.8                    | Acceptance              of Appointment by              Successor................................................................................................................................40                 |
|  SECTION              6.9                    | Merger,              Conversion, Consolidation or Succession to              Business...................................................................................................40                         |
|  SECTION              6.10.                  | Not              Responsible for Recitals or Issuance of              Securities...............................................................................................................41                  |
|  SECTION              6.11.                  | Appointment              of Authenticating              Agent........................................................................................................................................41            |

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|  SECTION              7.1. | Company              to Furnish Trustee Names and Addresses of              Holders.................................................................................................42                  |
|---------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              7.2  | Preservation              of Information, Communications to              Holders...........................................................................................................43           |
|  SECTION              7.3. | Reports              by Company and              Trustee.............................................................................................................................................43 |

|  SECTION              8.1        | Company              May Consolidate, Etc., Only on Certain              Terms..........................................................................................................43               |
|---------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              8.2.  | Successor              Company              Substituted...............................................................................................................................................43 |

|  SECTION              9.1.                   | Supplemental              Indentures without Consent of              Holders................................................................................................................43             |
|---------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              9.2.                   | Supplemental              Indentures with Consent of              Holders.....................................................................................................................43           |
|  SECTION              9.3.    | Execution              of Supplemental              Indentures.......................................................................................................................................43    |
|  SECTION              9.4.              | Effect              of Supplemental              Indentures.............................................................................................................................................43 |
|  SECTION              9.5.         | Reference              in Securities to Supplemental              Indentures....................................................................................................................43         |

|  SECTION              10.1.                      | Payment              of Principal, Premium and              Interest...............................................................................................................................43            |
|----------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              10.2.                                | Money              for Security Payments to be Held in              Trust......................................................................................................................43                |
|  SECTION              10.3.                           | Statement              as to              Compliance......................................................................................................................................................43     |
|  SECTION              10.4.                 | Calculation              Agent.....................................................................................................................................................................43            |
|  SECTION              10.5.                      | Additional              Tax              Sums................................................................................................................................................................43  |
|  SECTION              10.6.                 | Additional              Covenants...............................................................................................................................................................43               |
|  SECTION              10.7.            | Waiver              of              Covenants................................................................................................................................................................43  |
|  SECTION              10.8.       | Treatment              of              Securities.............................................................................................................................................................43 |

|  SECTION              11.1.                     | Optional              Redemption................................................................................................................................................................43             |
|----------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION              11.2.                     | Special              Event              Redemption........................................................................................................................................................43   |
|  SECTION              11.3.      | Election              to Redeem; Notice to              Trustee......................................................................................................................................43        |
|  SECTION              11.4.                     | Selection              of Securities to be              Redeemed.....................................................................................................................................43        |
|  SECTION              11.5.                     | Notice              of              Redemption..............................................................................................................................................................43 |
|  SECTION              11.6.                          | Deposit              of Redemption              Price....................................................................................................................................................43    |
|  SECTION              11.7.                          | Payment              of Securities Called for              Redemption............................................................................................................................43            |

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|  SECTION                12.1.        | Securities                Subordinate to Senior                Debt.........................................................................................................................................43                   |
|------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|  SECTION                12.2                                            | No                Payment When Senior Debt in Default; Payment Over of Proceeds                Upon Dissolution,                Etc......................................................43                                      |
|  SECTION                12.3.                                 | Payment                Permitted If No                Default.................................................................................................................................................43                 |
|  SECTION                12.4.                  | Subrogation                to Rights of Holders of Senior                Debt..........................................................................................................................43                        |
|  SECTION                12.5.                                      | Provisions                Solely to Define Relative                Rights...................................................................................................................................43                   |
|  SECTION                12.6.                                      | Trustee                to Effectuate                Subordination.............................................................................................................................................43                 |
|  SECTION                12.7.             | No                Waiver of Subordination                Provisions.......................................................................................................................................43                     |
|  SECTION                12.8.                                 | Notice                to                Trustee........................................................................................................................................................................43        |
|  SECTION                12.9.                                           | Reliance                on Judicial Order or Certificate of Liquidating                Agent......................................................................................................43                             |
|  SECTION                12.10                                           | Trustee                Not Fiduciary for Holders of Senior                Debt........................................................................................................................43                         |
|  SECTION                12.11.                                          | Rights                of Trustee as Holder of Senior Debt; Preservation of                Trustee’s                Rights……………............................................................43 |
|  SECTION                12.12.                                          | Article                Applicable to Paying                Agents.............................................................................................................................................43                 |

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*Company*
*Trustee*

*Securities*
*Trust*
*Preferred Securities*
*Common Securities*
*Trust Securities*

*Definitions.*

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*Act*

*Additional      Interest*

*Additional      Tax Sums*

*Additional      Taxes*

*Administrative      Trustee*

*Affiliate*

*Applicable      Depositary Procedures*

*Authenticating      Agent*

*Board      of Directors*

----

*Board      Resolution*

*Business      Day*

*Calculation      Agent*

*Capital      Disqualification Event*
*provided, however,*

*Common      Securities*

*Company*
*Company*
*Company*

*Company      Request*
*Company Order*

*Corporate      Trust Office*

----

*Debt*

*Defaulted      Interest*

*Delaware      Trustee*

*Depositary*

*Depositary      Participant*

*Distributions*

*Dollar*

*DTC*

*Equity      Interests*

----

*Event      of Default*

*Exchange      Act*

*Expiration      Date*

*Extension      Period*

*Federal      Reserve*

*GAAP*

*Global      Security*

*Government      Obligation*
*provided*

*Guarantee      Agreement*

*Holder*

*Indenture*

----

*Interest      Payment Date*

*Investment      Company Act*

*Investment      Company Event*

*LIBOR*

*LIBOR      Business Day*

*LIBOR      Determination Date*

*Liquidation      Amount*

*Maturity*

*“Major      Bank Subsidiary,”*

*Notice      of Default*

*Officers’      Certificate*

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*Opinion      of Counsel*

*Original      Issue Date*

*Outstanding*

*provided*

*provided*

*Paying      Agent*

*Person*

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*Place      of Payment*

*Preferred      Securities*

*Predecessor      Security*

*Proceeding*

*Property      Trustee*

*Purchase      Agreement*

*Purchaser*

*Redemption      Date*

*Redemption      Price*

*Reference      Banks*

*Regular      Record Date*

*Responsible      Officer*

*Rights      Plan*

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*Securities*
*Security*

*Securities      Act*

*Securities      Register*
*Securities Registrar*

*Senior      Debt*
*provided, however,*
*provided further,*

*Special      Event*

*Special      Event Redemption Price*

*Special      Record Date*

*Stated      Maturity*

*Subsidiary*

----

*Tax      Event*
*de      minimis*

*Trust*

*Trust      Agreement*

*Trustee*
*Trustee*
*Trustee*

*Trust      Indenture Act*

*Trust      Securities*

*Compliance      Certificate and Opinions.*

----

*Forms      of Documents Delivered to Trustee.*

----

*Acts      of Holders.*

*Act*

----

*provided*

*provided*

*Expiration Date*
*provided*

----

*Notices,      Etc.*

*Notice      to Holders; Waiver.*

*Effect      of Headings and Table of Contents.*

----

*Successors      and Assigns.*

*Separability      Clause.*

*Benefits      of Indenture.*

*.*
*Governing      Law.*

*Submission      to Jurisdiction.*

*Non-Business      Days.*

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*Form      of Security.*

*Restricted      Legend.*

*Form      of Trustee’s Certificate of Authentication.*

*Temporary      Securities.*

----

*Definitive      Securities.*

*Payment      of Principal and Interest.*

*Defaulted Interest*

----

*Special Record Date*

----

*Denominations.*

*Execution,      Authentication, Delivery and Dating.*

----

*Global      Securities.*

----

----

*Registration,      Transfer and Exchange Generally.*

*Securities Register*
*Securities Registrar*

----

*Mutilated,      Destroyed, Lost and Stolen Securities.*

*bona fide*

----

*Persons      Deemed Owners.*

*Cancellation.*

*Deferrals      of Interest Payment Dates.*

*Extension Period*
*provided*

----

*provided*

*Right      of Set-Off.*

*Agreed      Tax Treatment.*

*CUSIP      Numbers.*

*provided*

----

*Satisfaction      and Discharge of Indenture.*

| (A)   | have                become due and payable, or |
|-----------------|------------------------------------------------|

| (B)   | will                become due and payable at their Stated Maturity within one year of                the                date of deposit, or |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------|

| (C)   | are                to be called for redemption within one year under arrangements                satisfactory to the Trustee for the giving of notice of redemption                by the                Trustee in the name, and at the expense, of the                Company, |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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*Application      of Trust Money.*

*.*
*Events      of Default.*

*Event      of Default*

----

*Acceleration      of Maturity; Rescission and Annulment.*

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| (A)   | all                overdue installments of interest on all                Securities, |
|-----------------|---------------------------------------------------------------------------------------|

| (B)   | any                accrued Additional Interest on all                Securities, |
|-----------------|----------------------------------------------------------------------------------|

| (C)   | the                principal of and any premium on any Securities that have become due                otherwise than by such declaration of acceleration and interest (including                any Additional Interest) thereon at the rate borne by the Securities,                and |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (D)   | all                sums paid or advanced by the Trustee hereunder and the reasonable                compensation, expenses, disbursements and advances of the Trustee,                the                Property Trustee and their agents and counsel;                and |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

*provided*

*Collection      of Indebtedness and Suits for Enforcement by Trustee.*

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*Trustee      May File Proofs of Claim.*

*Trustee      May Enforce Claim Without Possession of Securities.*

----

*Application      of Money Collected.*

*Limitation      on Suits.*

----

*Unconditional      Right of Holders to Receive Principal, Premium and Interest; Direct Action      by      Holders of Preferred Securities.*

*Restoration      of Rights and Remedies.*

*Rights      and Remedies Cumulative.*

----

*Delay      or Omission Not Waiver.*

*Control      by Holders.*

*provided*

*Waiver      of Past Defaults.*

----

*Undertaking      for Costs.*

*Waiver      of Usury, Stay or Extension Laws.*

*Corporate      Trustee Required.*

----

*Certain      Duties and Responsibilities.*

*provided*

----

*Notice      of Defaults.*

*provided*
*provided*
*further*

*Certain      Rights of Trustee.*

*provided*

----

----

*May      Hold Securities.*

*Compensation;      Reimbursement; Indemnity.*

----

*Resignation      and Removal; Appointment of Successor.*

----

*Acceptance      of Appointment by Successor.*

*Merger,      Conversion, Consolidation or Succession to Business.*

*provided*

----

*Not      Responsible for Recitals or Issuance of Securities.*

*Appointment      of Authenticating Agent.*

----

*Authenticating      Agent*

*Authorized      Officer*

*Company      to Furnish Trustee Names and Addresses of Holders.*

----

*Preservation      of Information, Communications to Holders.*

*Reports      by Company and Trustee.*

----

*Company      May Consolidate, Etc., Only on Certain Terms.*

*Successor      Company Substituted.*

----

*Supplemental      Indentures without Consent of Holders.*

*provided*

*provided*

*provided*

----

*Supplemental      Indentures with Consent of Holders.*

*provided*

*provided,      further,*
*provided, further,*

*Execution      of Supplemental Indentures.*

----

*Effect      of Supplemental Indentures.*

*Reference      in Securities to Supplemental Indentures.*

Article IX may, and shall if required by      the Company, bear a notation in form approved by the Company as to any matter      provided for in such supplemental indenture. If the Company shall so determine,      new Securities so modified as to conform, in the opinion of the Company, to      any      such supplemental indenture may be prepared and executed by the Company and      authenticated and delivered by the Trustee in exchange for Outstanding      Securities.

*Payment      of Principal, Premium and Interest.*

*Money      for Security Payments to be Held in Trust.*

----

*provided*

*Statement      as to Compliance.*

----

*Calculation      Agent.*

*Calculation Agent*

*Additional      Tax Sums.*

----

*Additional Tax Sums*
*provided*

*Additional      Covenants.*

*pari passu *
*pari      passu *

----

*provided*

*Waiver      of Covenants.*

*Treatment      of Securities.*

*Optional      Redemption.*

*provided*

----

*Special      Event Redemption.*

| **Special                  Event Redemption During****the                  12-Month Period Beginning October 30,**  | **Percentage                  of Principal Amount**  |
|--------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------|
| 2008                                                                                                                     | 102.80%                                                   |
| 2009                                                                                                                     | 102.10%                                                   |
| 2010                                                                                                                     | 101.40%                                                   |
| 2011                                                                                                                     | 100.70%                                                   |
| 2012                and thereafter                                                                                       | 100.00%                                                   |
|                                                                                                                     |                                                      |

*provided*

*Election      to Redeem; Notice to Trustee.*

*Selection      of Securities to be Redeemed.*

*provided*

----

*Notice      of Redemption.*

----

*Deposit      of Redemption Price.*

*Payment      of Securities Called for Redemption.*

*Securities      Subordinate to Senior Debt.*

----

*No      Payment When Senior Debt in Default; Payment Over of Proceeds Upon Dissolution,      Etc.*

*Proceeding*

----

*Payment      Permitted If No Default.*

*Subrogation      to Rights of Holders of Senior Debt.*

----

*.*
*Provisions      Solely to Define Relative Rights.*

*Trustee      to Effectuate Subordination.*

*No      Waiver of Subordination Provisions.*

----

*Notice      to Trustee.*

*provided*

*Reliance      on Judicial Order or Certificate of Liquidating Agent.*

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*Trustee      Not Fiduciary for Holders of Senior Debt.*

*Rights      of Trustee as Holder of Senior Debt; Preservation of Trustee’s      Rights.*

*Article      Applicable to Paying Agents.*

*Trustee*
*provided*

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**Schedule            A**

*LIBOR*

*LIBOR Determination Date*

*provided*

*Reference Banks*
*LIBOR Business      Day*

|                                                   Schedule                      A-1                           |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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**Exhibit            A**

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*ERISA*
*CODE*
*PLAN*

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**Exhibit            A**

*Company*
*if the      Security is a Global Security, then insert*
*provided*

----

*Extension Period*
*provided*
*provided*

*pari passu*

----

*pari passu*

----

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**Exhibit            A**

*not in its individual capacity but solely*
*as      Trustee*

*Authorized      Officer*

----

**Exhibit            A**

*Securities*
*Indenture*
*Trustee*

*Trust Agreement*
*Trust*

*provided*

*provided*

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**Exhibit            B**

| Tier                1 Risk Weighted Assets                               |  %                               |
|--------------------------------------------------------------------------|---------------------------------------|
| Ratio                of Double Leverage                                  |  %                               |
| Non-Performing                Assets to Loans and OREO                   |  %                               |
| Tangible                Common Equity as a Percentage of Tangible Assets |  %                               |
| Ratio                of Reserves to Non-Performing Loans                 |  %                               |
| Ratio                of Net Charge-Offs to Loans                         |  %                               |
| Return                on Average Assets (annualized)                     |  %                               |
| Net                Interest Margin (annualized)                          |  %                               |
| Efficiency                Ratio                                          |  %                               |
| Ratio                of Loans to Assets                                  |  %                               |
| Ratio                of Loans to Deposits                                |  %                               |
| Double                Leverage (exclude trust preferred as equity)       |  %                               |
| Total                Assets                                              | $       |
| Year                to Date Income                                       | $       |

**FOR      FISCAL YEAR END**

**FOR      FISCAL QUARTER END**

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| Report                Item                                               | Corresponding                FRY-9C or LP Line Items with Line Item corresponding                Schedules       | Description                of Calculation                                                                                                                                                                                                                                                 |
|--------------------------------------------------------------------------|------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Tier                1 RiskWeighted                Assets                 | BHCK7206Schedule                HC-R                                                                             | Tier                1 Risk Ratio: Core Capital (Tier 1)/ Risk-Adjusted                Assets                                                                                                                                                                                              |
| Ratio                of Double Leverage                                  | (BHCP0365)/(BCHCP3210)Schedule                PC in the LP                                                       | Total                equity investments in subsidiaries divided by the total equity capital.                This field is calculated at the parent company level. “Subsidiaries”                include bank, bank holding company, and non-bank                subsidiaries. |
| Non-Performing                Assets to Loans and OREO                   | (BHCK5525-BHCK3506+BHCK5526-BHCK3507+BHCK2744/(BHCK2122+BHCK2744)                Schedules HC-C, HC-M & HC-N | Total                Nonperforming Assets (NPLs+Foreclosed Real Estate+Other Nonaccrual&                Repossessed Assets)/Total Loans+Foreclosed Real Estate                                                                                                                        |
| Tangible                Common Equity as a Percentage of Tangible Assets | (BHDM3210-BHCK3163)/(BHCK2170-BHCK3163) Schedule                HC                                          | (Equity                Capital – Goodwill)/(Total Assets – Goodwill)                                                                                                                                                                                                          |
| Ratio                of Reserves to Non-Performing Loans                 | (BHCK3123+BHCK3128)/(BHCK5525-BHCK3506+BHCK5526-BHCK3507) Schedules                HC & HC-N & HC-R | Total                Loan Loss and Allocated Transfer Risk Reserves/ Total Nonperforming                Loans(Nonaccrual                + Restructured)                                                                                                                                   |
| Ratio                of Net Charge-Offs to Loans                         | (BHCK4635-BHCK4605)/(BHCK3516) Schedules                HI-B & HC-K                                     | Net                charge offs for the period as a percentage of average                loans.                                                                                                                                                                                            |
| Return                on Average Assets (annualized)                     | (BHCK4340/BHCK3368) Schedules                HI & HC-K                                                  | Net                Income as a percentage of Assets.                                                                                                                                                                                                                                      |
| Net                Interest Margin (annualized)                          | (BHCK4519/(BHCK3515+BHCK3365+BHCK3516+BHCK3401+BHCKB985) Schedules                HI Memorandum and HC-K    | (Net                Interest Income Fully Taxable Equivalent, if available/Average Earning                Assets)                                                                                                                                                                         |
| Efficiency                Ratio                                          | (BHCK4093)/(BHCK4519+BHCK4079) Schedule                HI                                                   | (Non-interest                Expense)/(Net Interest Income Fully Taxable Equivalent, if available,                plus                Non-interest Income)                                                                                                                                |
| Ratio                of Loans to Assets                                  | (BHCKB528+BHCK5369)/(BHCK2170) Schedule                HC                                                   | Total                Loans & Leases (Net of Unearned Income & Gross of Reserve)/Total                Assets                                                                                                                                                                       |
| Ratio                of Loans to Deposits                                | (BHCKB528+BHCK5369)/(BHDM6631+BHDM6636+BHFN6631+BHFN6636) Schedule                HC                        | Total                Loans & Leases (Net of Unearned Income & Gross of Reserve)/Total                Deposits (Includes Domestic and Foreign                Deposits)                                                                                                             |

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| Total                Assets | (BHCK2170) Schedule                HC | The                sum of total assets. Includes cash and balances due from depository                institutions; securities; federal funds sold and securities purchased                under agreements to resell; loans and lease financing receivables;                trading                assets; premises and fixed assets; other real estate owned; investments                in                unconsolidated subsidiaries and associated companies; customer’s liability                on acceptances outstanding; intangible assets; and other                assets. |
|-----------------------------|--------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Net                Income   | (BHCK4300) Schedule                HI | The                sum of income (loss)before extraordinary items and other adjustments                and                extraordinary items; and other adjustments, net of income                taxes.                                                                                                                                                                                                                                                                                                                                                                                    |

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*specify each      such default and the nature and status thereof*