'!'his lctrcs ~~~CCITICII! (irlci~iding 7.1~ Schcdu!cs !~cre:oj, rhc ';ccur:r!cs 

PUT-C~LLISC ,A~rcesncii~ (i11eludi11g the .;\~;i~c.yes Ll~crc:oj> [lie Di~c!c:;~:re ScI~e~~~iics :II:~ Ihc 

\\ ; i.ilz~nt .> ,. .. coils:iiutc the er~tiri. aglccllic!>r, rlrtti :;U~C-S&~L' ;ill ~tiler !~i-i~i. :;gTee!llenrs. . : :ii>(!~i.~!3i?iiii.ig~; ~-c~)i.csenl:~:ions ailti v::ti-rai!t:e<: bat? \tr!i~rcn and or~1, l?crv6.ccn t!le 

;)arrlc,i, i\irh ~.cs!,cct LO r21c siil3ec: :l?a[icr hci.i.oi: ']'his lc;ii.:- agrci.:?lc:-${ ci:r:sii[ylc- [I?;' 

"L=iiri ..'igrceil?e;it" i-cfcrred :o in rhc S~'i'~ilti2~ P~l.~]lii~i: .?igr.ee:nei.it. 

'Si:iu !crier :igl.eemcnr may be executed ir. ;iny nun~ber- ofscpai-;ite 

COLIII:C.F>~~TS~ ti:^!^ SLLC~I ~O~i~ti'i.I?aT~ bci~l~ d;.zl;?c(i to a!? ol-igil?al il?si!.::mcl?i, aIi<i ;:]I , . suci; t:c~!r-ircri~x"l~,i:ii! t~gcihcr co~lsr~ture t1:e .same ;igrceir;cc[. Esccu[ea s!eil;:t::,-c - p;:wc: 

. .- l.0 I~:S 1~'lii'r ag;-C61?'1e:71 :1;3>' be (1<il\.eri"d b\; i':?,<~i]1lj]e :Inti suc]] facsiil.lili.s :?.i]] I,;. i]i.cmc(] '... . r!s si;rr:~!ci~I :isif :ictuai sigilaiui-c pages 112d bee!) tic] i\:crcci. 
[JxiTEi) S?'X7J'ES DEP.'\i{Tjl iES1' 1'1-1 !< 

TREASURY 

EXHIBIT 1% 

(~o1~-tls~I1:ingi.-~fr;1ii~~l QI-Is. i.scladin~ S C:orpc 

arid hliiti~al 0s~aniz:iric~tlsi 
Ptirci~as<; Closing 

1 . I 1'u:chasc .................................................................................................................. .3 

1.2 Closing ..................................................................................................................... 3 

I .3 Interprr!l;.iioil ............................................................................................................ S 

2.1 rlisclosurc ............................................................................................................... 9 

3.2 licprcsel~tatians and T~$~;irran.tics of the Company .................................................. I 1 

Article 111 

... 1 C'on;i.ile!-cialI~. I~rasc>nabli: F,l foris ......................................................................... 29 23 Espcnses T;O ... ................................................................................................................. 

3.3 Sui'licii.tlcy oi'Aurhc.trizcd Warrant I'rcferrecl Stocli: Exchange Listins ............... 30 . . l ,. 3.4 Certain horiiitarioils C;n!li Closing (J 1 - . -.. v . . -1.2 Access. !nfornla?icjn and Conl~dcnt~al~ty ............................................................... 3 1 

Purchase for Inl;c.sil1le111 ......................................................................................... 34 

1 - Lc~~c"I?~~ z2 .................................................................................................................. 23 . r. C'~~-iai~i -c 1 i.arisaciions .............................................................................................. 3 > 

T'ranslkr of Purcl?aseti Securities and \xiasrant Shares; fiesiriciions on lixercisc 

?C 01' 1111" 'i3:arriint .................................................................................................. .> 1 

iicgistration Rights ................................................................................................. 440 

F- ~ i3cposi1sr> Shares .................................................................................................. ~8 

Rts~riciion un Dividends and Repurchases ............................................................ 68 

Esrcittive i'ompensatio~? ....................................................................................... 73 

Rclatcd Psr-ty Tmisactions .................................................................................... 74 

i3ank and 'I'lrrift Holding f'omptiny Staii~s ............................................................. 74 

1 - Predominantly Financial ........................................................................................ I:, 
Aniendment ............................................................................................................ 77 . . \!;t~i:,es of Co1161t101x ............................................................................................. 77 

Gover~ring d,a\v: Submission to ,Jurisdiction, Etc. .......................................... 78 

KO.;.. > . i:L.Lb ................................................................................................................ 78 

Dclini~ionu .......................................................................................................... -79 

'-1- .; - L Ill -..- "--. . . .- ....---p--..--.-.---.....-..p-.--...-------.- . .--.. ~ - 

.4fiili~,tc 

bi~sirless cia. 

C'apiializri~ion 14atc 

f ~iti icares oi' Designalions 

C.'hal-rcr 

C:lc>sing 

Closing llrtic 

Code 

C'omnion Stock 

Cornpan!; 

Cornpan]. 1-inancia! Stalcments 

I:onli)a~~ 3latcrial i"icivc~-se Ei'fcct 

Co11l~xllly 1:ep01-IS 

Company Subsiiiiarj,: Con~lxinq. Siibsidi:irics 

contl-oi: controilcd hy: ~lncier coinilion coi~irol i~.itll 

C'ontrolled tiroup 

CPI' 

Disclosuri. Schodulc 

EI-;SA 

ERI S.4 

Exchange Act 

Ft.cier:il 1tesrr1.i. 

P 

(jol-crnme!:tal L~n-rities 

I-1oldi.r 

I loldcrs' Coiii~scl 

Incicnxiiret 

Informat ion 

Junior Stock 

knon lcdgc of the Ci3111pdli> : Ci)~lij)a~~y's ~IIOM icdgc 

Leikr (Trecntcn! 

u!'f;ccer 

13ari t) Stock 

l.Oc:iti(>ll <-:f 

1)cIiii~i~~~ri -. - .. - - 

3. ithj 

Reci~als 

:;.2 s 1 

4. i i) 

2.?(ci) 

I .?(<I !( i\.: 

? '1 [ 1%) 

5.8 

1.3 

?.7(b) 

I.?(cii(iii) 

i .7(d)(,iiil 

1.2(aj 

1 .?(a) 

?.7(n) 

2.7(b) 

Rccitsls 

2.2(h) 

?.l(b) 

?.2(i)(ii 

2.?(e)(ii) 

5.7(b) 

2.2(11j 

Recitds 

2.1 (a) 

1.2(d)(i19) 

2.2(11) 

4.4 

4.1 0 

2. I (bj 

1 .Z(C! 

4.5ij)(i) 

4.5(!)(ii j 

4,5(hj(i) 

3.5tc) 

Rcciizls 

4.7(1) 

5.7(~~) 

Iiccitals 

5 .7(c) 

4.7(ij 
lfigg>.!>nzl; iic~i~ti.xLotl 

I'ia11 

PI-efcrrcd Sliarcs 

13rci;.rrcd Stock 

?re\ ic~lsl>. Ilisclost.iI 

I'roprictnr! Rights 

I'LII-L'~:Is~ 

i'urchasc. Price 

I'LII.C~~L~SC~ Sccusiiics 

register: rcgisicrcii: rcgistralion 

I<cgis1r3bi~ Sec;!riiies 

Iiegistratii~n I'spc~~~cs 

I:cgul;tror!. :\greemenl 

Kuji. 1.44: ft~iic i 44.4: Rule 159A: ii~ilc 405: liuii; 4 1s 

Savii~gs 2nd 1,oan I-ioldi~~g Compnny 

Sci-ieiiaies 

S13C' 

Ssctirities Act 

Selling I:;spci~scs 

Scfiior Ezec.uii-\~e Of'ficrrs 

Sl1clf'I3egistratii)n Stalemen1 

Si~ning ]>ate 

Speciai Kcgistraii::~; 

sithsidiary 

'I rrs: I axes 

'l'l-~lnstt.r 

~~~~~rri!lli 

M,'arra:!t f'rcli.srcd Stoch 

\~~lrr31lt Sl1iircs 

!~O~ii~iO~l oi17L'fi11iti0il . . 

-!.5(111) 

.4,7ic;! 

.?.S(bj(i\,j 

2.2(3) 

Recitals 

p ,'L11:lis .\,-. '

7 ](c: -. 

2.2(u) 

Recitals 

1. i 

i<ecitals 

J.S(l)\iii) 

2.5(l)(ij.) 

4,5(i)(~) 

2.3(s) 

4,5(l)(\.ij 

4.10 

fXecit:ils 

2,2(k) 

.; ~.-(,aj 

4.5(1)! \,ii) 

4.8 

4.S(b ~(iii 

? -. l(h) - 

3.5(j) 

S.?(ai 

2.2!oi 

4.4 

iicci~ills 

iieci tals 

2.2(61 
Recitals: 

U*I 1I':KI-;.AS. the i'nitcd Stn~cs Ilepar~incnr of the ~1'1.easur~~ lie "Ii?t.e.~ior.') 11i2y froin 

tinlr to iimi. agree lo piircl~i~e sl~ares of p~cfil~~c~l stock i311d \i'arrarlis fro111 eligible fii~ancial 

ii>sii:iltioi.;s c.1iici1 elect iti participate in the .i'rz)uhicd ~'issct [iclici'f'rogranl f api;al i3irchasi: 

Program !"('PI''-): 

\'\'lfEI<E.4S. ;In eligible financia! institution clcc~ing io pa:-ticipnic in illc CPI' :iild iss~ie 

scc~~riti~'?; iO the II~\.cs~oI- (I-eiifncii ti) IICTC~II ;is [he '-C'oirpiiiq.+') shall enter into a Ie~r~r ;igrc~:i-xnl 

(thc -'i,riri>i. ,-lgiir.rc.i?iei?r") \t:ith the 1n~:cstor whicl~ incoi-porrires this Scc~~ritius Purchase 

iIgrccr1?eilt - Stiindard 'l.crnls: 

WIIEREAS, rlic Compa~i\; agrees to expand the tlo~a- of credit to li.S. coilsumdrs and 

businesses on conlpctitivc rerills lo pron~o~e the susraincd Sro\i?i~ and virality of the I.!.S. 

econoi:?)': 

\h'1 Ililtl:.-2s. rl?c Cornpan! agi-ces ro \;\OIL clillgenrl~. under existing prograixs. 10 n:od~i> 

the teriiis ~r'i-c~id~i~ttiii mosig.ages as appropriate to strei~gthel~ the 1iet:lih of the I'.S. 11ous1ng 

marher: 

\'t 1 IIiR1i.-15. the C'ompany tntcilds to ISSU~ ill a pri\;ite placement the numbc~ of shares of 

~11~' series or I~S 1"rclkri-eii Stock (~.PI.~J~L'~I~L~L~~CIOC.~C'-) sei fi)ltl1 on Schcdule .I to the 1,ctier 

ilgrcemcnI (ilic '.fl~.o,fcri.e~/ .S~?C~I.L'S") :md a ~\~i~i-'~nt io purchase the iiumber of sharei; of i11c senes 

of its Prei'rrrcd Stoch ("llJu;.rlir?i PI e/ei.i.ec/ S'ioc k") set forth on Scheciule 4 to th:: Letter 

ilgreci~~c~~t (tl-ie .'!lin /c;ri:'' :lnd. together \~:t11 ~lle Preierre~ Sharri,. Lhe '-t'zlrc.hirscd ,Sc~~lii~i~~c~' ) 

anti tilt In] ebto1 liltifi~d~ to p~ir~hase (the *.Plli.('ll(~>ra") lic)111 tllc Co111paii~ the PL~scI~~~~L~ 

Securi~ics: ,111cl 

ti I II'RI-AS. the Purchase \51i! be go\ erncJ b> ihls Secunile:, Purchase 4grecmenr - 

StanLi;irLi I ern25 '111J tlx L.clter iZgreei~le~il. II~CILICIIII~ I~C SC~~CIIIIZS 11icreto jtllc "S'CI?CLJI~I(J~"). 

specifying aciJrtlon,ii terms oi'tlle Piirchasc. 1111s Securities 1'urch;ise hgreemenl - Stltnda~d 

I CIIIIS (ZIICIUCIIII~ the .411ne~cs hcietc-i) :mi! the 1-erier i'igxe~~lent (~i~cliiding tile Sclled~lu~ 

~hcretu) ai-e ~~getil~r rtfe~red iO as ihls ",\greerneni' ,111 rcfctenccs ID this Sccur ities f ~~rcl~d\t: 

,\grter~~ent - Stanuarci Perms to -'ScEiedulcs~' arc to rhc Schedules ,ittached to the I.elic! 

.A, "f cc111c11t 

NO'sV, TI-$EREFORE, in consideration oi'the premises. and of the representations. 

ivarratitics. Coi!L1lants ;irld agi.eei~lel~is set fort11 I~creii~. ihe parlies t:gree as Ibllo\~~: 

Article I 

Purchase; Closing 

1 I i'rtrchasc Or! \lie terms and siibjeci ro ihc co~ld~r~ons set forth in fils ,?igreeine:lt. 

rhe C ompail! agree., ro sell to the Investoi. and tile Irlt cstol agrees to purci~ase from ihc 

Conqxlnj. at thc Ci0~11lg ja\ l~c~~inafecr defined), t!~c I~urchascd Securities for the price her i.iiseh 

oil Schedali. 4 (the "ll~ii.~ hnse /-'rice") 
!a) Cfn rhe ierlt?.; :inti suh.ji.ct to it~c ciiniiition.; set ii>rtl~ in this !,grctnie;;i, tiic cli!sing 

31 ihi. Purchzse (rhc "i'iij.s;!rg") \\ill iakc placi. a1 tl~e locat icjn specified ir? Schcdillc :i, 21 iiic. 

1i111t aild t~n :lie ~i~11e set /'or111 i~i Scl>e~i~~le -- - .. . i>r :is soo11 :is prac~ie&je ii~i.r~iil'~er. 01- SL SLICII 0il1~>1- 

piacc. tin:^ ar~d dale as sl~all be qreed bei\seen 111e COIII~~II~ a~id the I:l\.e~ioi-. The tj1-11~' aild Ciati" 

on \\.hich the Closing occurs is referred ro in rhis .3\gsec1nent as rhc "( 'iti.~ii?g Ij(i/i~". 

(bj Sub.jecr to t11e f~llfill!1l~ilt or\.vai\'c:. itf the conditions to thc ('iosing in rhis Scciion 

I .?- cii il~ Closir~g the Corrlparly \$ill ~!cli\,cr the Pref>rrc(i Sl- ares ;IIIC~ ~IIC \T';II-~;I~IL. in e:icj~ ca~e 

as e\;icii.nced by one or more ceriilic:~~es datc'ii 111~ Cli)si~:g Date and bearing approprlare 1i.genils 

as hereinaiter pro\.idecl titr. in tsclia~lgc Sot. pYnli.!it iti fiili oi'ihc i'urchasit Price by wire 

rralisfer ofi~~ii-~~cdiatcl?; a\:ailable t.!llited Stares h~nds to a bank account dcsigiintcii b! i11e 

Cornpan!, or1 Schcci~~lc A.

(,c) *!'hc I-especti\,c obligations of each of thi: In\,cstor rind [lie C:o11lpa11>. 10 

cc-111surnmatc thc I'urchasc arc subjcct to the fillfillmcrlt (or it-aivcr by the In\.estc;r anti ihc 

C'o~npa~iy. asapplicable) privr to the C:losing oi'tllc condilions tlut ii) an) appso\.nl.: or 

autltnrizc~tio~is of aii I!rlitcci Statcs md other go\~crnme~~tsI~ regu:ato~~; or judicial ailr11uriiii.s 

(colIecri~ eiy. '-(;OI'C:I.~~~~~C~I/L// Enii[ie.s'') required lbl- the consummazion of [hi. Purcl~asc sl~till 

luve been obtained or lxade in l'orm and substance reasonably sarisfactory 10 each parit. and sllai! 

he in frill hrce and cf-t'cct and all ivaiting periods rccluircci by I iniicd States a~lii. other ;ipplic;tl?le 

la\i;, ifa~i!:. sllall haye cspircd and (,ii) 110 pro~risicn of any applicable i.!nited States or c)tl;~r Iii~t. 

;tnd I!<> ,jt~dgi~ler?t. ir~.ji.lnction. ortier or decree ul'aay (.io\:i.mmentnl 1knlir~- shall pr-oiiibii rhr 

purchase and sale ol'ilie Pill-chased Securities as co:lteinplaicd by tl~is i\grermcnr. 

(ii j 'l'hc obligation of rIie I~>vi.sti)r to ci>nsiinlrn;lre rllt l'urchasi. is a!so si~bj~s~ 10 rile 

t'l~lfilli~~enr (<,i. uaivci- rlic 1;lvestor) at or- prior ro the C'losirtg cl'eai.11 ofthi: hIlo\t~irig 

conititions: 

(i) (A) rht: representatio~~s 2nd warsaltties of t11e C'C)IIII?~!~!: SC'! lbrth in (s) 

Scclion ?.3(g) ofzhis Agreen-ieilt shall be irue and correct in all respcitts as thollgi? 11ladi. 

on a~id ;IS ofihe Closing I1at.e. (y) Sections 2.2(aj througli if) shail bc tl-ue and ci~rrccl in 

all material respects tis il~ough nlade on and as of t11c C:iosing Date (oiher rhlin 

rcprcsentaiious anif ~varrailties that b! rlleir terms speak as of another darc. i\-hich 

representations al:d warranties shall be true and correct in all inarcrial respects as oi'such 

othcr d2:te) ilzd (7) Sections ?.2(h) t1:rougi-i (v) (iiisregardir~g a!] clualiiicatioiis or 1 ' i~mitaticns se! fi~rril in siich represe~itaiions and \varraniiss as to "!n;iierialir~.". --Co!npan)g 

hlatcl-in1 :ljdi.ersc j~ffect" 2nd 1%-or& of si~ililar it;lposi) sital! be inie and CC,lTi'Ci as ilioilyi? 

maiic on and as ~t'thc Closing Da:e (other than ri.presi.ntatio~.ls and \vt.ar-ranties that b!- 

their rerrlls speak as of'anothcr date. 51:hicli rcprcsentations and warranties shall be rruc 

imd COI-rcct as of such ot11t;"r date). exci'pi to the extent that the hilure of sucll 

reprcssntaiions arid \\.arrarliies ref?rreci to i11 tiis Section i .?(djii)(Rjizj 10 he SO tn;c and 

correct, individually or in the aggrcgaie, does rloi have and \voitld iloi reasonab!y hi: 

especred to have a Company Material rZdverse ESTect and (B) the Company s!zall have 
peri'ormed iii all materiai respects all obligations rcrjuircd ti; bc pcrfoi-mcd 12~. ir uniicr this 

ilgreemeni :ii iir prior to rhc i:losing: 

iiii) Ilit COII.I~;III>, ~l~iill !i;i\c d~11y aiic~ptecl :111d iiled \.\.ith the Sccreiilry of State 

of its.jurisdictior~ of or~aniirriiion or oti1e:- applicublc C;overnl!ien~al 1:iitity fhc 

anleiliiilii.nts ro its ccrtilicatc or a~?icIes of'incorpctr~irian. articles oi'assc'rciiltion. or sin~iialcirganizaticlnal dociirnen; (;-(:?;lri!ei.'') iri substaririal1~- the hrrris attached iirrilro as !i:ines 

- .;I 2nd .4nixs~ 13 ( I!IC .-(.'t~i.r(jic~~:~e.s t!f L)(J,S~~~ILI:~(JI?Y'*) an(i s~~ch liling slh:ill 11aj c heexl 

accep~ed: 

v) (3 the C'ompa~:y shall have effected such cliaiiges to its con?pe--!~salio~:. 

bonus. i~ict~iliive a11d other brnctlit pla~is. arrangements ~tilii agreements (inclttding golden 

parachiae. sc:.crancc a11ii emplo\,mcnt cgl-ccmcnrsj {coliccrii~ely. "Rc!z~:fii I'/LII?.s") ~vilh 

respwct ro its Senior Esttctlti\re Oilicers (and to thc esteilt necessary for such clianges lo 

be fegally ali'orceable. each oi' its Senior F~sccutivc 0f'fTcc.rs shall have duly cor~sented in 

writing to silch ~11rl1:gcs). cs III;L~ t7e nccessury. ciur-ing the period that the Investor owns 

any debt or equity sccuriiies of the ('ompany acqrtired pursi~lini to this .:lgri.emsr!t or the 

%:arrant, in order io cornpl\- \\:iil? Sec~iit~i I 1 1 (b) of the t.'~nrrgsnc>. iiconumic 

S~abilizatiorl Act of 2008 ("EE,i'..J") as i~nplemcnrcd by guidance or rcgularior~ thcrcundc~- 

ihaz has hem iss~~ed ancl is in c~ti'ct as of i!le Closing Ilaie. and (3) thc 1nvesit)r shall 

recei\,ed a czrtific;~(r sigrlecl oil beilail'oi' r'i-le C'i)mpiu-!): by ;i scnic~r csccutivc cofiicc: 

cc'rtifying to ihe effect rl~athe conili~ion sct forrh in Sscrion 1.2(cI )( iv!(.4) has been 

s:~iislicd: 

(vj each of 111s Cornpaily's Seiliur Iisecuiive Officers shall have dciivered to 

ihe Investor a wrirrsii waiver in the ii-)l-rn ;~itacI~cC: hcrc~to 21s :Iilni:~ C.' relcasing the 

Investor linru anj. ciailns that sucIi Senior I~rccirtivc Officcrs mrly ~ihe~-\vise have as a 

result ofrkie issuance. on or prior ro the Closing [late. t)f ari\. repularions which require 

thc modifica~inn of and titc agrcclncnr ofrlic Company heretinder to n~odif):. rhe teriiis of 

any Ucnciit Plans will] rcspcct to its Scnictr l:recu~i\.c Oilicers to eliminat? an!. 

pro\.isions nf such t3sr:cfit Plans th;li \\oulJ not be in citmpliance ii:itl~ rhe rcquiremc!:ts 

of Sccrioi: 1 I ! ( b) 01' rhc l<I:SA as implei~~cnred byguitianci. or reg~~lazion thcrci~niier that 

iias been issue:! ant1 is iri cff-kct as oi'thc Closing Ilaitt: 

(vi) the Coii:pan]li shall have i!clivcrecl to the 1ni.estor a c\-rittcli opinion ko:n 

co~insei to the C'ornp:iny (\;\.hich ma]. bc irlterrial counsel I. addressed to the Investor and 

dated as ot'thc Cliisi~ig Dale. in subst:~iitiail!: the fbm? at:acl~eci hereto as ASIIICX D: 

jvii) tile C'ninpar~y sliall havc deiivered certiiicates in proper form or. \vitil thc 

prior consent of the Invcsror, cvicicnce of sharcs in book-entry fbr~n. evicic!iciilg ihe 

Preferred Shares ro Iilvestor or its designee(s); and 
(I die ('ompan> shall ha\.e duly csecuced the \I';.in.ailt in siibstaniiall\~ rhc 

hr1i1 ;iit;i~I:eii. herelo :is r\!ili<& ~ind cleli\.crcci such csecuti.ci b'arrant ti) the in~'i's!ar or 

its d~~ig!?i.t.js). 

i .? Intcri?rerarion. Mjl~ct? iircit.rei!cc is n~ailc in ii~~s .,'\gree~~!ei% to "Iizcitais," 

"Ai?icli.s." "Scctions." or ".-\ntie?;c.s" sucli rcfcrcnce shall hi? to a Rscitai. ,:'i:-fic!c cir Scctior? ot: 

or :l\nnc:\: to, tliis Secur-iiics P~irchasc :.?igreernent -- St31!3il~d i-c1:ns, and a rc?:~rencc TO 

"Schcdltlc." s11a!l bi, to a Scl~cciulc io ihc i-crtcr i2grecn:citt. in eac11 caw. rinlcss otl~erit.ise 

indicated. The icrnis iieiincif it) the sitlgular have ;L coi-i~parable meailing u,!1ei1 iistd in the plur~il. . . aiiii \'ice i'i,r->a, Keli.ri.nci.s io -'hi.:-ein". -'hereof", '-herctlnder :iiid tbc like rci:,'r to tl~is 

i'igrei.tl?cnt as a whole :lnd iloi to an!; particlriar section or pro\-isian. unless the coi-lresr req~iircs 

rt[l!cr\\ ise. I'btt iahfc of'con~cii{s and ilcacli~:gs coi~tained in tl~is iigrce;nei?i arc hr rcTescncc 

pi~rpoxs onl!. and arc not part of this Agrzetnenr. Whenever ihe ~vords '-include." "incIudcs" or 

.+~IIc~~Ic~~II~" ax 11si.d in illis Agreement, tlley shall be dsenled Sollo\ved b!, the u.ords "iviti:out . .. it. 1x0 r~ile i)i'~~~i~tl-~~~ti(f~f ;ig;iinst the drafisperson shall be applied in connection with 

the in~crprerarion or cnforccmcnt of this .4grecment, as rhis Agrcemcnt is ihc prodi.lct of 

ncgotiaiion bet\veen sopllisricaied parries advised by counsel. ,411 rcf'crerices iu "$" or "dollars" 

lncan rhc liiwliil current?, of rhc Ilnited States ~f.~!nerica. liscept as cspressl!, stared in this 

i4grcc;nei?r, till SC~L'TC~~CCS 10 any S~BILIIC. rule or regiilation are lo the statute. sulc or regulrt~ion as 

amencled. rnodifiecl, supplemeilted or rep1:lced horn time to time (and. in the case of statutes. 

inclu~li' ;an) rulcs anti rc:?ulario~~s promulgated under the stati~te) and to a11). seciio:l ol'any 

sta!r!tc. I-i~le or rtgultltioil inc!ude any successor to the section. Iirferc~ices to a '*bi!.~iilc.s.r. ~!ii~." 

sl~all mcan any day except Saturday. Sunday anit any day on ~.hich banking institutions ~II ihc 

State of Neii Yorl; generally are authorized or required by lati; or oiiler govcr~~me~~tal actions to 

close. 

Articlc I1 

liepresentations atnd Warrantics 

(a) On or prior to the Signing Date. thc Company delivcrcd to thc Investor a schedule 

("l)i.si./i?.\lii-ic .\'~'I?c'~jil/~-') se!ii~ig fo~-tll. among othcr things. irc111s tile ~~~~~~~~~~e ofv,~hich is 

nccess;try or approixiiitc eirhcr in response to an csprcss disc1osui.e requirement containeci in a 

prosision hcrc01' or 3s an csceptiun to one or more reprcsentazion cir ~varraiities contained i11 

Scctic!~~ 3.2. 

(b) '-C oiilpcrirj ,Iliri;.i,ltil ,I~~JCI.>,> E]/L>C!" 171eanh 2 ill;tterlal ad\ else effect 011 (i) the 

bi~s~:iijs>. ~tsaits oi'opera~ion or ljnanciai condition of thc Co~mlpan! :~nd ~ts consolrJarcd 

siit7';1d1ar1e\ i:ij\cr~ ah ;I LZ hole, pr-ol~iiic.il, I~O~VC~~L>I-. tliat Co111pan~ Material .4dt crse kffect shall 

not be deetned to incli~de the cl'tc~s of j.4) changzs aficr the date of~lit' Lettcr Agreement (rhs 

"Siguri7g l)(t[i>''l In gcnelal bi~ctnuss. ectinornlc or illrirhet conditions li~cluding changes 

~rcncrall) In prexailing interesi rates. credit atailabilit! and liqi~idir). cusrcnc! c.ichange ralcs .+ 

and price !e~e!s or rrriciiilg vcriumes in zlle IJni~ed Srates or fbrcign secunttes or credl~ marheti) 

or an\ outbreak or escalazion of hostilities. declared or ~mdeclared acts of war oi terrorisi~~. 111 
each casc ~c!icscl!iy afkcriilg [lie inilustsies irr \.thicil ~hc C'o~npan!. 2nd i~s s;ibsii!iarics operate. 

11-31 changes or proposed ct~angcs aiicr ihe Signing Ihii: in generail\. acccpt~ii :icc:)\i~r:ing 

princip!~~ in the I:iii~eii Swks (-'(I;. i..ij''.j OF 1-c~t!l;ilory ;tccou~~~jng reijliiremi~nts. or ai!rhori~ari\,e 

inicl-prcraiions th~rc~~f. or (C') chan~cs :IS proposed ciiangi:~ af er the Signing Date in sccu!-ixiss. 

brinkir-tg and other Itis;s of g.eni.ra! appt icabilit~, or scl:i;cii pn!icies ctr i11terpre1nrio11~ o t' 

Go\-crnmcntnl iSrttiiies (in ihr case oi'eiich of'rhcse slai~scs (i-\j, (I-3 and (C), other thai? citanycs 

or t)eci!sre~:~es lo the csten: that such changes or oCcanences ha1.e or \vor!lti reasonaD!\. be 

cspectcd ici have I! :na!eriall~ tlisproportionatc adI~cl-scffcct or1 tile Uc)ni~a~~). and its 

cv~isolida~cd siibsidiiiries Isken as a ~vitolc relative to comparabli. G.S. bariking iinancinl 

scrviecs ~?ryxiizalioi;s): or (ill the ability of tllc C'i,lnpa~iy to consur:lmate rhc Purch:isc and oil~er 

rr::nsactions contcmpiatcci by this Agrccmenr and ;he \Vsrrant and perfonn irs ob1igatic)ils 

11i.ri.tiildes or LI~SSCLI~~CICI. <>Ti ;i tiniely basis. 

ic) -'Pi.e~.iozi.i(l~ L>i.scici.~ri?' means inionniition set fosttl on ihe Disclosiirc Scl~edule. 

f:.ro\,i;lcd. ho\vcver. that disclosure in any secrion of such [)isclosure Schcduls shall appl~. only to 

tile inc!ic:itcd section ofthis ."\~CL"IIICII~ csccpt to 1i1e esterlt that it is reasonabl? i~pparctt fi-om 

tllc I:;Lce (;t'si~ch cfisulus~rr that such disctosnrc is rcicvanr to ailorher section ofthis Agrecmcnl. 

2 2 Represent:~~_igns and Warrantics&tlle Companj'. I:sccpt as Prc~.iousl~ i3iscloscd. 

tltc C~>i~lpa~lj represents and narrallts to the Investor ihar ns ofthe Signing Datc and as of rl-te 

Closing Datc (or such o~her dare speciced herein): 

!a) C)rgatlizaiion. ikuihoritv and Signii?caz Subsidiaries, l'hc Compa~ly Itas been 

d~rl!. incor~?oratcd 2nd is validly existing and in good slanding nnder the jaws oi'itsjurisdjction of 

c>rganiz;ttion, with t11c ncccssar). power and arirhuriiy to own its properties and coniiuct iis 

bl~sinrss in al! material rcspccis as curren~ly conducteil. and esccyx as has not. individuall!,: or in 

thc nggrcgiiri.. hud anti ~vould not rertson:ibly be rxpecieii lo have a Company Material Ad\,erse 

lil'fect, has been duly qualified as a fbreign coq~orarion for the irxils:iction of btisiness and is in 

good standing iirlder il;e la\i,s oi'eac1.1 other jur-isdiction in ~vhicb it owns or leases properties or 

condiists atit busiriess so as to 1-ecluire such clualiiicarion: each subsidiary of the Company that 

-c\;nuIii he cc_insidsrcd 3 "sig~lificant siihsictia~~." \\.irhin the mcaniilg of iir~ls 1-02(w) of 

iicgulation S-X ur~dcr tile Securities :ilct of 1953 (tilt "Secltri~ics ilc.l"). has heen duly orgiinized 

and is ~,iilidly existing in good standing t~ndrr the laws oP its jurisdiction of organization. 'i'he 

C.'l~arter aid hylri\\;s c;Erl?c Coi-upar~\:. copics of \i,hjch f?u\:c hecn pro\:icier! lo the investor prior to 

illr Signing Dale. tire tn.te. corr~plcic rind correct copies of stich documents as in full force 11nd 

cft'c~i as 01'the Signing Dale. 

(b) Capi~tiliz:itioi~. 'I'he i~~~rhorized capital stock of the Compai~y. and ihe ourstancfir~g 

capital stock ctf the Compar:y (iiicluding secwitics convertible into. or exercisable or 

exchangeable tits. capital stock of the Conlpany) as of the most recent fiscal month-end 

preceding rllr Signing Daic (thu *'C'c~iirrliz~liiiit~7 Dtrle'') is set furth on Schedule 8. The 

oritsia~~tiir~g shrtres of capital stock ofthe Co~npaily have beel? duly autilorizeil and ar-e validly 

issuecl and oiitstanding. fillly paid and nonnssessable, and sitbject ro no preemptive rights (and 

wcrc not issried ill violatiori uj'a11y preenlptjve rigtiis). As of'ilie Signing Date, [lie Company 

does not havc outstanding any securities or isther obligatioits prol~iding tlx holder the rig111 ro 
:ICL]LI~~? itb C'~IIIIZI~C?I~ S~ck (.'( '(ji?1/~0/1 ,Yio(.k'.) tixt is I><)[ r~>scr~.?cj l\>riss~i~ii~ce ;is 5pcciiie~! L~I; 

Schi.dalc U. arid the C'olnpan!. has iiut maiie ail!, other corl111iiin:cilt to 3ut1io.rj?c, issiic fir scli an), 

C:oinmar~ SIiici<. Sili~c i11~ Ciipiiiili~iiti~n Dzic. [IT Cii)~lij~:ii~>. has IIO~ iss~ird it!?>. SII:~I.L'S <>I' . . Comn-~oi~ Stock, drkrr 11l;:1i (i) sh;ircs iss~lcd !ipo;i the ~~ercisc OI s~ocli ~ii)~ii)~~s 01. dcji\cii.ti iinilc! 

vlher i.qtiit!;-bascd ;aivnrils or other co~~\;i.riibii. securities or ivarrarirs i\.hicl? ivcre iss:!cd and 

out~taitdii~g oil the C'api~a1iz:iiion Daic a~id discloscd on Schitdaie 13 2nd (iij siiares dlsciitscd or1 

Schcdulc 13. klacii lioider of 5% or no re of any class ol'ciipital S~OCI; of he Cornpail>, ri:ld such . 

!io!dcr's primary adiircss iirc set hrth OII Scheduli. 13. 

(i:) !+:f'e~-rccl Shares. '1-hc. Prcl'crrcci S1.arus have 1;ec11 dul!, ani! \ r~ii:!l! aiiri~ori-/~,.;-'!. 

~inii. \\.Iicr~ issileil :!ird ilc'Ii\eri.ii p~trsr~a~ir LO this :\grceinc~?t. s~1ci.1 i'rzf;:rrcil Shares \+.ill t)c d~il!' 

;:nd \-slid/! iss~~cii r.;i;il frill!. psici ~ii;ct iwn-lisscss~bl.~. , v.,! s:gt bi. iss~id i1-i I i~l~~tic~i: IJ!':II-I;, ., pi-ecrnpiii i. rignrs, and it ill r.:{nk ,~~ii~.i;,tr.s.vri xvith or senior tc) all or1li.r ~c'ri::s cii- CI~SSC~ of 

I'rcfcrrcd Srock. izl~cthcr. i>r not issucd or outstanding, tviih ~-es]>itcl 10 the pa! riicnt of'di\,iiii.nds 

anti the iiisii-ibiliio11 of assers in iile e\.eni of arty dissolution. liclnidtition or ivindins LIP oi'11l.i. 

C'oillpany. 

(i1) Tl~e Wai-rant and Warranr Shares. 'I'l-te \V~rrant has been duly :it~thoiizcii arid. 

when ~~~~iltt'd a~ld dcliifcrcd as conten~platcd hereby. ~viii constitute a \ralid and Icgall~~ bii.~dii~g 

obiigrttivn of d~e C'ompai~y enfi~rceable against ihc Company in accordance \\:it11 its terms. except 

as the samc ma!; be lirnitcd by applicable bankruptcy, insolvency. reorganization. morazorl~im :>r 

sirniit~i- Ia\~.s a!'lkcting the enf'urcemcnt ofcreditors' righis generally and general cilui~~bic 

priiiciplcs. rcgnrdless of \\.hetiler st~ch entbrceubility is considereii in a ~~roczecling a! la\\- or in 

ciltiil). (-.Ij(ii?ki'li]~i(?. I~.TL.C;II~~~~S"). 'rile shares al'Warr:ir~t Pi.ci>ncd Stock issiiabl~ LI~CI? crcrcisc 

itf t11z \V3rrani (rh~~ -'if'c:i.i.rri?i ,Y!zur-c~,s") 11ai.c bccn duly at~tl~orizeci ancl resert,ed !itr issuance LI~OII 

cscrcic c~Sii-ic \I':II-rant itnit \t.!-ien so issucd in accordance with the terms of' [he Wal-rrint \\,ili be 

\,:;ilidIy issueci. !':111!, paid aid non-assessable. and uriii rat& pn-ip~r.\..sli ~vitli or senior ro ;ill other 

series or cl:isses ol.I're!~-red Siocl;. \vhether or rxot isstled or. o:ltsr:lnding, wirh respcc~ to the 

paymal~ o!'i!ivi~Iencls and the distribtition of assets in the cvcnt of an!, dissolution. liquicirltion or 

I\ inding LI~ of' ~hc Company. 

ti:) Tile Company has xhe corporate po\.vcr and atiihnriry io cscctllr ar!d 

dcli\.i.r tllis .4greeineiit and the Warrant anct to carry out its i:bligations heret111dc.r liriii 

 heret tinder (\i*i~ich includrs the issuance o!' the Preferred Silares. Wan-ant xici ljra:railt 

Shares,). TIie esi.curion. dcli\~ery and peri'orn~ancc by the Company of this .4g1-ecn~i?i and 

thi: Warrani 2nd the consun1mation oS the ircinsactions contempIr.i~ccl hereby and !iiercbq 

hare been ciirly authorized by a11 nccessarJr corporate actiali on tile pari oi'i1.1~ Com~?ain;. 

nnc! its stockholders. cind no f~rther approl'ai or au~horization is rcijuircil ctn thi- par! i>f 

illc Coii:psny. .i'his Agrcemcnt is a valid anci binding obiigarioll of~he Clompan! 

eni'orceable aguinst the Company in accordance with its terms. sub.ject lo ti~s H:tnkri~ptcy 

I,sccptio~is. 
(ii) '1'i:c cscctision. iieliverj. al:.ii pc':.!iin;i,:~~ctl b:\; ltie t'(,~inj?;i~~> oi'tiiis 

.~~I-CCI?ICI~L t111d the !X':~I-I-:XI( ;~:d tlzc eo~~si-i:~~~~li:tioi~ of I~C tr~~~;sactio~:s C(I~II<~II~IS~C~ 

hereby aid ~iie~-cby anti ci?mpliirncc I>> tllc C'o!npan:\. !vit!i tl~ ~~i-o\.isioi~s iicrcc~i'ai::! . . tli~~i.~i: ivil ilot (Xi :.inlare, col~llic; with. o;- res~ili 111 a ~rcac'i~ 0f31;y proi.isioi-~ of. 

cctnsiit~itc a cichalt (or an even1 ivhich. \\.irl.i itorici. or lapse oi'lirnc or both. \\-orrid 

consziiutc a iiitF~~li) ~indi.r. or rrsnlt in the tcni>iriation oi: or :iccelcrarc tile pcrfi?rn~aiicc 

rec1i:ircd bt-, or result ii: 3 righr ofier-minxlion or acci.ieration of. or rcs~;lt ill t11c C~C:~I~OII . . oi; an!. lien. securit\ !ntcresi. ch:irgr oi cilcui:~!~~-aiicc ~ipo~i any ol'the properties or assets 

cji-i!~~ Cc>i~~pai~! or SII!. s~jhsidi;ir>, uf I!I~ C'olz:p:~:>. (c::c!: ;i *L~.~'O~;~/l~li?~~~ ,$~//~,i~ic/jio.~\~-' 3i:~l. .. . coliec~i\c!!.. ihi. "( 'i?~!~j~~ri~:~.';~~h\itii~~t~ic~"~ :il?:lcl. an) oi'i]?t Ii.rl+ns. coiiii~tic!r~j or.

pro\.isiuns oi'il j irs oissr~i~aiioi~il C~OCLI~II~I~~S o: (ii) an!. noie. biiild. i;~ortgagz, iniicrlturs. 

~i~ed ilf XilSt. I~CCIISC. 1~~1s~. tLgS~C111~11t Or Gth~r ~~~~~~~llll~llt Or 0b1ig2;i~)ll 10 \h.'hi~kl 

C'ompctny or any Company Sitbsiiiiaq. is li: party or kt!. nliich it or any f oiiil~an!. 

S~lhsidiai?; ma! i?c bc71tnd. or LU \vhicIi !lie C'c)iilpar~! or any ('omp:lny Subsidiary or any 

ofthe properties or assets ofrhe C'onzpan!. or any Cornpan!' Subsidial-y may bi. suhjcct. or 

(B) sukject ro conq>liancc \l;itii the srariltcs ancl rcguiarions rci;.ncd 10 in lie next 

paragraph. 1-iolate any stattite, rule or regulation or any Judgment. ruling. order. \i:ril, 

i~ij~inction oriiecrec ~ipplicablc io tl-~c Compan! or ail!. Cornpn~iy Subsidialy or an). of 

their. respective PI-vperties or assets esccpi. in tile cab? oi'clau~ts (h)(ii) artci (B). fbr 

rhos2 occurrer~ces that. indi~~iditiilly or in the aggregaie. l1:11'e noi had arid 1vot11d nor 

reasonably bc zxpcctcii to ha\,e li: Ci>n~panq. 34:itc.ri:iI Ad\,crse I?fkct. 

(iii) Other rha11 rhe tiling ofthc Ccrtiticarcs of I>csignatioi-15 ivith thu Secrczriry 

of Statc of'irs j~irisdiciion oi'organizatioil or other tipplicable C~o\~crnmci~ial Entily. sricii 

iilings aid approvals as are reqi~irrcl to be maiic tlr obiaineci under any state -'blue sk!." 

?aii's and such :is ha\-e been made or obtaii~eii. 11ct nolice to. filing% \vith. esc'111ption or 

revietv by. or ai~tlioriza[ion, consent or app~.o.i,al oi: an\. Co~~t.riime~itiiI rI:il~ity is required 

to bc mads or ohtairieti b!. rile ('c\rnpa~i>' iri conn~.ction ~vith tizc consun?nlntion b!. the 

Uoln~~any oj'ihr Piucl~ase except for any such noticcs, lTlii:gs, crcmptions. rei.ie~.vs. 

nuihorizations, conscnrs 2nd approvn'is ihe i'ailure of ~%llich ron~ake or c~braiil LVOLIIC! not, 

inciivitiually or ir: thi. aggregate. z-cas~xxibl~. Ins e>:i-iecicd to 1lai.e n Company hlarcriai 

Ad\,el.se Ei'Seet. 

(f) &~ti-iakco\~cr I'r(~visi~>ns c11icI Ri~l~ts PInii. 'i'l~c I3oard of I3irecto1-s of tlic 

Comp;iriy (11-lc '-Harii.~i'i!f'Dii.~~i~to~..s*') has takcn all ncccssar? acticiii to cnsurc that tile transactions 

coiiteri1platt.6 5). this hgrern~enl and tlic Warrailt ancl 117e coi?summatioii of the tr:~nsactions 

coi11enlpI3ccci hercby r:nd thercl?i>.. iizclncling the exercise of TIIC ?Yr:rrant in accordcincc a.itll its 

terms, will be exempi fi.0111 ai1; ariti-takeover. or s~tvilar provisiorls uf thr Company' CJilarier ar~d 

byiav;s. arid any othcr provisions of any applicnhlr "r17oraiori~111.., "coi~trol share", "fair price". 

"inrerested s~ockhctlder" or ot!ler anti-zakeo\;er lab-. anii regul;~tions of an>; jurisi!iction. 

(8) No C'on:pan\ Lki~~criai Adlcrsc 1zJLc~ S:ncc the last dd! oC!hz last cnlnplcted 

flsc'ii per104 i;~- .ri h~ct: linar~ci~il strltements a-e inclilcicd 111 the Companq Financ~a! Statements 

(as dcrined beIoi\ ). no fiici. circumstance, a i'nl, change. occurrcnci.. co;!di:ion or de\felopme~~! 
hiis (~ec~i~~sed tllzt. inciii'idi~:ili~~ orin rile aggregarc. iias had or \i.t>n!d ~-easonabl\, be cspccted to 

have n C'a~?p;';~y h,lnicri;ll X~I~crse El'lkct. 

. ~. ill) C'oi1ipiit3\, 1. iilaiicial Sratcilicnts. 'i'1.i. Company ];as i)i.e~:iousIj. l>isclt!scii c~icii oi' 

thc cor!sciiici;iteii 1iiia1ici:iI sr;itei~len!s oi'thc C-oinpan! an3 its consoiidateil subsidiaries k)r cacli 

o!'ii1i. last three co!npie~cii iisc;iI !,T;II-S ~li'tl~e COII-I~;?~~? (i'i liic1-i sliall hc :iltdireci rcl the csicilt 

iiuJiieJ financinl ~i;ii~il~~iit~ iii-e a\,ailiiblc prior 1.0 tI1c Signi12g Date) and t~ich coinplc~cil 

qil:irterl]. pcriod since the las( completeci fisct?! year (collecti\.el!. thc "i 'OII~~LU~.!. f:ii?:iili,i:i/ . ~ 

,Si~rii~ij1~71.\~-'j, '!'i~e Cornpi'inj I'iilanciai S~arcments prcscnt, i;~irl>, in all n:::tcr;ai respecis rhc 

con:olidilired finar~cizl posiiioii of'11ic ('(iil~i?an> ;""I its cc?nsolitiated subsidiaries as oftl~c iiatcs 

iniiicaicci therein anci rile co~?solidatrti rtsalts cjf'tl~eir operations for tlie pcriods specified ti~ercin: 

;M(! csccjl; us st;ifetl :l>eii.in, such financial sraittmeilts (A) \15,t.ri. prepnred in conforinit>. \i.ith 

GAAP applicd t? consiste~i~ basis (csccp: as ma?; be ~ioted thereirl) and f:B) ilavr been prepared 

iiorn. and are in occi:rdnnci. with. the books and recorils ofchc Con~pan?. arid the Company 

Subsiiliaries. 

(i) Sir~cc 13cctmber 2 1, 2006, he Cornpany and each Cornpay Stibsidirzrl. 

I~is iiicd all reports. regiskations, documeiltsl filings. s:atemrnrs aild suhinissions, 

~gtiher ~,iiil an!, aniendr~ie~its tl~ereto. that it was required to i?le with any Governmental 

fi'!itit! (tile Ibi-egoiitg. co!iectivcl!~. the "C'c.jit?pzi)?? I<c;!,ori.r") and has paid all fees and 

rt..;sessmenis due aild payablr iil connection rhere~v-i~ll. csccpt. in each case, as ~vould !lot. 

ii~cli\.iduaii\, or in 11-1~ aggrcgaic. rcasonabiy be cspectcd to !lave a f omparty h41~crial 

:\tii\,rrse l-:fl-ei.cr. 11s of liieir I-espcctivc datss of iil in?, the C'c.)inpa~iy fieports con.ipiicd in 

;ill rnaterial wspccis wit11 all szatutcs and applicab!e rules and regi~litions i:f the 

:~pplicnl?Ic. (;o\.crrrn~ent:il t:.:nli ties. 

iiili L ILLOTIIS. -. .sj sterns. controls. data and information of thc Coi~ipany and 

titi. l.$on-ij-ian\ Subsiiiiarics arc rccol-cicd. stored, inainraineci :ind operated uniicr inearis 

(iilcluding L~IIJ. ciectronic, riiccha~iical or phorograpliic process, \t.hetlier compurerizcd or 

noti tlini are 11nifer tile esclusis'e o~\.nership and ciirec: co;ltrol of !he C'ompclny or rhe 

Coinpang. Yubsiciiarics vr their accountants (inc!uding all lneaiis of acccss thcrcio and 

thercirom). except for any non-exclusive o~vncrsllip and 11011-diie~t c~liltr~l thal n-odd riot 

rt.:lsoi~ab!;y be espcctcd to have a material ad\:crse ei'i'ect 011 tiis systci~l of irllrrilal 

accounting controls: iiescribe~i beIo\v in tliis Section 2.2(i)(ii). The Company (:I) has 

implerncntcri ;inii !niiintains adec1u:ite iiisclosiire contrtlls and j,~~ooedures to cns~~re that 

malerin! ii~lbri~:atioi~ relating to the Compa~iy. incliiding the coilsoiidatrd f ompang. 

Sribsidiaries. is: inadc 1~110~ 11 !O tlic cliicfe~ccuiive oficer and :he chiei' 5naiicial officer 

of thc Co~npan). b~, others viithin those entities. and (I31 l~rrs disclosed. based on its niost 

rcccl?t c"\'alua~ion prior to the Signir:g IJate, tc: the Compc?ny1s outside auditors and the 

audit cornn?it:ee of the 1303rd of Directors (s) any sigt~ificant deficiencies and inaterial 

\t.eaknesses in illc design or opcratio11 of' internal contrnis that are reasonably likel!: to 

ad~crsel:~~ ai'fecl. [he Cc~~nl:a;ig,'s ability to record, pmcess. surnniarize and report finizncial 

inlorillation and (,y) ariy fraud, whether or not material. that involves management or 
ij ! To i.'iliiisclosc~i 1-iahili~ies. Nzithcr ~lic C'c.iri~pan> ~ior an\ iti'the C'oiliptin!' , . .,. . ... ~i1l3sld13sics has an?, l~::bil~i~cs or obiigations ol'an! nature !nbsc?!u~e. accrueci, ci~ntingcn~. or 

othi.rn.ise) \~Iiicli 31-c' 1101 PI-O~L'I-~~ ~rcilcctcci or rcs~.r\.c'd against in tire C'on-ipiin;,, 1;ina;lcial 

Siatc.mel?i.s to the rstenr req~iireci to bc so rc.ilcctcii or rcscr\.ccl against in ciccordancr: wi~h 

b;.?\Al'. cxccinl for (A) liabiliii~s that have ariscn since thc liist tisca! yeas end in tile orciinix!' 2nd .... usual cniirse ofbusini.ss and ci~i~sis~eni ivilh prist practicc and (13) liabrlii~cs illat. i;ldi\'iiixiiil> or 

in ihc aFgregatc, have nor hati anti \vc)iild nor reasonribly bc c'spccred TO hn\.c a Comp:~n!. 

kIaic.ri:~l ;Ziis:crsc f.Xcct. 

i k) OSfel-!nc gi' Sec~~riti<s. ;Urtitller tllc Cor~lp;~ny nor an\, person sciiz-ig or1 its behali' 

has taken any riction (including ail\. ol'fei-ing of'any secur-ities of tlie Company ui1di.r 

cii-ci!instanct.s which xvo~!ld reilriil-e [hi. integration of such of'i-ering with the oi'f'ering of any of 

the 1'ur.chasc.d Securities u11de1- the Securiries Act. and tile ruics and regu!ations of the Securities 

anti E:.rchangc Cornniission (tI1c '-SEC"') prornulgsried ilzeretini-ler). ~vhizh mighz sub-iect tile 

ol'lring. issuance or siilc of an?; oi'tlit: Purchrisetl Sectrriries to Investor pnrsc;tnl to ihis 

Agrcemeni to 1111' registration requiremzrzts of the Securities Act. 

(1, 1'' ~t~~arion ar~ci Other f'roceeciinsts. iSxcept ii as ssr f'orth on Sched~lIt' t' ~r (iij ;IS 

\i,ouid nor, individually or in the aggregate. reasonably be cx~~ec~cd iO have a Company "\/iat~.rial 

;'id\:elsc ll'fect. there is no (A) pending or. to the kno\vlsdgc oi'tlle Colnpal?y, [hrcatcned. claim, 

action. suit. invesrigaiion or proceeding. against ~hs Con~pail?; or any Cornpan\- Subsidiriry or to 

\vhich any i\i'tilrir rissets are stlbjsci nor is ihc Cornpan!, or ~III~ Company S~lbsidia~y su:sji.ci to 

any orilcr. judgment or decree or (B) unresolved \.io!ation. criticism or exception by any 

C;cnJ~el-nrncntal Eiltiry with respect to any report or relasing to any examinations or inspecrions of 

t!ir Company or any Cornpan!; S~~bsidiaries. 

(111) Cornpiiancc .ivith t.au.s. Excepr as would not, iniii\.id:lall). or in ihe aggregritr. 

rrasor~iibl!, bc tspcctcci to i?ai.e a C'ornpany >Iatcrilil :4d\:ersc t:ffect. the ('on~pany and tile 

C'omp;in~ Stibsidiaries have all permits. licenses, ti.ai-ichises, authorizations, orders and appro\.als 

of. and 11a\.i. rnnile all iili~lgs. app1ic;itions 2nd registl.atIons \-ii!i. Cict\;emme~lid Enritirs thar are 

req~~ireii in order lo ixrinit the111 to oxt'n or Icase their propertics and assets and to carry on their 

hiisincss as presenrly conducted and ihnr are nlateriai to the business ofthe Clompany or such 

Cornpan>' Subsidiar!.. f3xcept as se~ forth on Schedule IT). tlie Company and ihe Company 

St~bsiciiaries have comp!ied in all respects and arc not in ~ieG~uli or i.io!ation oi: and none c!ftl~i?~n 

is, to the kriov;ledgc ofthi: Company. uiider invesrigation with respect to or. to the kr;o:tIedge ol' 

rlte I:omlttiny. have been iilreatencd to be charged with or givcil notice of any violation of. ar:y 

applicable domcstic (federal, state or local) ot foreign la\\:, statule. ordinance. license, rule. 

regulation, policy or guiiirline. order. iien~and, writ, iiljuncrion, decree or judgmcnt of any 

Gctvrrnmental Entity, other than such no~~compliancc, defaults or violations that ~vonld not. 

individ~~a1iy orin the aggregate, rcasonabiy be expected to have a Company Marerial Adverse - j3fYcct. tjrccpt for statutory or regulator)- resiriciions oi'gcncrcii applicatiorj or as set forth on 

Schedule 13, no Cjo~ernmental Entity Iias placed any restriction on the business or properties of 
rile Cornpan\ or LII~? C'~;lil~sr~> Subsiciiai-\ tiiai \\ciuiii. iniiividuall! or in thc aggregate. .. , . . . icasonab!! be e\;pccted 10 l;a\,i" 3 C:OIII~:II>~ IIalc"1.ia1 ..'1c1\'erse Effcci. 

;I?) Ernplo~.cc Benefit Matters. Ex~~i>i as \voilld no! rzasi~~iabl\ bc: expcc:~cc! ic: i-iri\.c. 

cil11i"r iniiiviiiua1I.i. or in rhc aygrcg:-ite. a Con-ipan;; klateriril ;ici\,erse Iiffi.c.2: (.I\) cncli *'i.!n~io!.cc . . L7cnefit plan (~vithin ;he ineailiiig oi'Sccrion ?[3) (jf'the tin-~!:ioyce Reiirernrnt Income Seciiriry 

.4cl of 197-i, as nmeniied ("L'RI.S+.i")) pro\.icii~lg bcnriits to an), current or li>rmtr i.mpio).at.. 

oi'ijccr or direcior of the C'~inlpany or an!; menibcr of' its "C'c)ni:-oli~ti (:i'vlq?" (ifeiii~eii iix any 

organi~nti~~n \\,llicl: is a member of3 controlled group of corp01-ztions \+ithi11 thc I!I~.~II~~IZ of' 

Scciior~ 41 4 01'thi. 11~ie1~;11 Ite:'en:,it Code oi' 1086. ;is ;in~i.ndei.i (tlic "(.'ctii.")) rl~ais sponsored, r .- m:iifiiriined or conirib~iicd to b!. the CJoi~ipan> 01- iiil)' member of' its C'onrrolieii Cjrorip ant1 lor 

ivhich the C'oi-i:pan!. or any iliember of its Controited Groi~p .i.o~~ld il:ii.e any liabi!ir:+;, \vl?i.thtr 

actuai or contingent (~3~11. n '.l'lil~~") 112s bcen maintained i11 compliance with its terms and \vitl? 

the rcc)uircnlcnts c,fall nppiicable statutes. rules imd regi~lations~ incliliiing ERIS.4 and the Code: 

(U) \\:itji repeci to each Plan sub-ject to I'itle IV ol'FRISA (inciuding. for purposes oI.rhis clause 

(13). any plan sub,jecr to 'l'itlc IV of EIiISA ihat the Company or an): inember oi'its Cc~ntroilcd 

(STOUP j~revi~~~sly ~lliiiniai~le~i or contributed ro in ille six ycal-s prior to tlie Signing llatc), i 1 ) 110 

.~report;iblc' i;\.i'~lf'' ('ivitliiil tile nieanillg of Secii~n 4013(c) of'EIIlS.4). other !h:111 :i rcporiabli' 

e\,ent Ibr \\..liicl1 the ~loiice period referred to in Scc-tiori 4043(c) ot'EKIS.4 lias hccn \iii.ivcd. has 

occiirsed in tlic [lx-er years prior to the Signing Lkte or is reasonabiy expected LO occur. (.2 1 no 

-'ncci.imulaicd fi~ndirig cicticicncy" (\s.ithir> rhc meaning of Sccrion 302 of I<RIS.;'i or Scciion 112 

ol'ihe Ciiil~). \vilctiicr or n~)t ivaived, has occurred in thc tl~ret years j3rior to tllc Signing Dztc or 

is reasonably cxpcc~cd to occur, (,3) the fair market value of the assets uncicr- each I'lail excceds 

rlie presen~ C'~~LIL' oriill l>cncfils ;~ecr~!ed under s110h Plan (iiekcrmirted based on (lie assi~rnp~ioils 

used to fund sucli I'llnn) anci (4) nciihct- thc Cornpan!; nor any rncmbcr ot'its Conirolied Group 

has incui~eil in iht six years prior to the Signing Date. or rcasonabi>z cspccls lo i~lcur. any 

liability undcr Title IV of ERISA (other than contribulions to the Plan or ~~resniiims to 111e PECic' 

in the ordin;~ry course and without ~IefauIt) in respect of a I'!an (incli~ding an!.: Plan rllri? is ri 

"m~i!lie!lrp!o)~rr j?lan". within lhc meaning of Scclion 4001 (c)(;i ofb;RIS.?if: and iC?i each r'ian 

that is intcncicd to be cjilalified ~1niic.r Section IO! (a) ot'thc Code has rcccivcd a ti~i.c)r::i>le 

drrcrr~-tinatic,n Ie~ter from ihe lnteniai Revenue Se:\:ice \vitl.i respect (r) its yulii1iiiecl status til~tt 1~3~ 

not bccn re\.ol<~ii. or ~11~11 :I de:ert~lination Icrter has been timely applied for but 11i)I rccci\.cd h>, 

the Sigring ilate. 2nd nori~ing hzs occtirred, wl~ether by action or by l'ailurs to act. ~vhich co~ilc! 

reasi>nabi!~ be cspccted io ca~tse tile loss, ~evc>ca~ii?l? or cienial of stich qualiiietl starils 01. 

i:a\;ilrabie clzkcrminaricm letter. 

r 

(o) 1 axes. Except as t\:oiild not, indi\;idually or in rhe aggregate, reasonably be 

L'SPCCIC~~ 10 11~ive a Cornpan!; Material Adverse EfPect, (i) the Compriny and 11~ Company 

St~bsidial-ies have filed all federal. state. local and foreign income and ijanchisc 'I'as retrirns 

triji~ircti to be iilcd through ihc Signing Datc. sub,jcct to ~sci~nittcd eslensions. ilnd have paid all 

lases due thereon. anci (ii) no Tax deficiency has beerr iierermined acli,erseiy to tl1e Company 01- 

any of the f ompany Subsidiaries. nor docs thc Companlr have any kno\vlrdge of any ?'as 

deiiciencies. "7'irs'' or '-l;~.vr.s" means an!; Sederai. state. local or foreign income, gross receipts, 

psopcr-ty. sales, use, license. excise, i'ranchise. employment. payroll. tvithholdii~g. alternative or 

add on minimum. ad vaiorem. transkr or excise tax. or an!' otl~cr tax. custom. duty. 
governinzntal lie or other like asscssmrrit or charge oi'm!. kind \: hatsoever. togzL11i.r \\ it? at]! 

iritcrcsr or penall>. imposed by an!. G~vernniciil;11 E11tiry. 

. . (p) l'ropertics and I.-eases. L:<ccpt :is v:o~~Id IIOI. i~ic!i\ icli~;illy or !:I ihc aggrqatc. 

reasonai~i~ be cspzcred io ha\ c a C'c?mpii:1\ h,laieri;~l ~-'ii!\.erse I3Y~ct. the C'iirnpaii iilld illc 

Company Subsidi;irics lla-\.c good and rnarl~e::~ble title [to :tl! real p~.itpertics atlit ali c~ri~et. 

prupcni~'~; iinii assets ou.ncii by ihein. in cach case 1st~ liom liens. encumbrances. claims and 

cieikcts ihiii t\nuld afkci the \due ~l~ersitl'c-~s interfzre \i-iril tile use nude or ro hi. m;iiic ti-icreoi' 

by il-rei~. Erccpt as i\.~t~li: 1101. il-r~!i\~idi~aIl~- or i11 tilt' iiggi.Cgi\[c. reasonabl!. be cxpecrei! to hi11.e a 

i'oi~ipan~. h,laiei.ial Adverse Illlict. the C'on~pan! ~ind rllc C'umpany Subsidiaries holcl a!! leased 

rcnl or perm~~al propa'^^, under \;;xiid and cni;,rccable leases ivit1-1 110 ~xctpiiit!is 1h3t 'ivot!ld 

iriterScrc ivil!~ khc LLYS made or to be mnde t11crcoS13> thcni. 

(ci) Environrncntal 1.iabiiIrv. Except as il-otilii not. inilividualb- (3:. in il~e aggregate. 

ri;.asonabl~r be cxpccteci ro 11a1.c rt Cun-rpan! I\.l:iteriul !\ii\.c"rse Elict: 

(i j tl~crc is no icg31. iidlililii~~ril~i\.i.. or i~ih~r proceeding. claim or ac~ioi; oi' 

itn\ iiatLire seeking tit ililpose. or rliat \\.wid r-easotlab!~, be expecti-ti io resillt in iitc 

irnpositioil of. on [he Cornpan>. or any Company Subsidiary, any liabili~y relariilg to tile 

release ofl~azar~!ctls siibsiai~ces as iic;'i?iicii i~siilcr any local. state or i'ciierai cn\ironn~ental 

statute. regulation or ordii-iance. iilcludirtg the Comprehensive E~~r~ironrnenral IZesponse. 

Con~pensation and i.iabiiit>. Acr of' 1980. pcnciing or. to tile C'omp3n>.'s knov,.lcdgi., 

ilireatsned a~ainst rho Connpany or an), C'z~nlpauy St~hsidiar),: 

(ii! so thc Company's I;~~o\ileii~e. thre is 110 rcasofiabIc t):~sis for i?ny s~~h 

procczilil?g. claim or action: and 

(iii) neither rhc C'01~1~>:3n).' nilr3!1!' C{?i!lp:tiiy Sllbsiiiiary is :;ill~ject 10 1111). 

agrccnlcnt. order, jndgmeni 01. decree b ar \i-i'il.i :In) colirt. Go\-ernmental I';.:ntity or third 

park!. imposing any ~iich en\.irol?mcntal liabilir>,. 

{r) Risk hlanagemenr Instn~n~c~lts. !I:iccpt as iiciuld not. individual!} or i1-1 the 

aggrcgatc. reasoriai?ly be expected to have a Cornpar~y ;2~laccrial ;2d\,crse Effkct. all deri~~ativi. 

instrumen~s, iiicluding, swaps. caps, floors and option agreenlcilts. :\.hethcr ci~tcrcd iato for the 

C'ompanl\.'s ow nccouni. i;r for tile accnulx of'oiie or moi~ of rltc Crtmpan~. Subsiiiiaries or its or 

111eir cuslomcrs, were cutered into fi) c~nl~' in tile oriiinnry co~lrse ol'busii~ess. (ii) in accorciai1ce 

\,vith pri~deni praciices al~d in all nlatcrial respcccs \i:iti; 211 applicable la.ivsl I-uirs, regulations and 

regularcil? policies :i~id iiii;! ivit11 counterpartics believed to be iinancialiy responsible at the rime; 

arid CBCII of s~1cl-1 ii~sirtfnlell~s constitu~es thc \,slid and lcgally binding obligation oi'thc Cornpan!. 

01. om of the Cumpiin!; Subsidiaries, enibrccabli. i11 nccorda1;ce .cviili its ier-ms. csccpt as may be 

liillitecl by the Gankruptc:~ Esceprions. Ncitiier the Companj or the Company S~~bsidiaries. i~or. 

to t11e kno\~;ledge oi' the Cornpatly, :?ny othcr parry ihereto, is iii brzaci~ of any ol'iis obiigations 

under any such agrecnlent or arrangement othcr thari si~cil breaches that \vo:iici not, iiidi~~idualiy 

or ir~ the aggregate. reasonably be esprctcd TO ha\~e aC'ompanp hlaterial Acivcrse Ef'kci. 
(s) .%crcen:i.iits \i.i:h Iteculaton. ~.\~encii.s. lisczpr as si.~ fi'i,rrh on Sciledriit. ij. neilher 

:11c Coinp;iri>. !lor an> Comyari~ Subzidiary is s1ibjci.i to an!, material ceasc-and-desist :!I- ot!:cr -. sii1:iiar o~tii.~. or. enfo;7rci.mi.n1 acrion issueil by. or is a pn1-r). ti3 any m;ttcrial \\.rittcn agrecmci?t. 

corisenl a~rci'n1cr1i or n?cniora!>ciii~?i of underslanciiii~g u-itI1. or is a party ro ail! coi-il~~>iim?fi; letii"~. 3. i?r similrir unclcria~lnq to. or is subject to any capiial dircc~i~,e by.or since Di.cenlber >I. 2006. 

has ail~pieil an!. h<?~r.i! rzsoiutioiis ar 11:e request oil ail>; Go~,ernmentai I.:n~it~ (o111er lli31: ihi' 

Ap11~opriaI.i. Fede:-ti1 3anEring Xgencics ti.il1-1 jurisdiction o\!er thc Company and ?he (.'o!npsn!. 

Siibsidiaricsi tIlal c;lni.nti>. r.ch(ricts in an!, rnatcri;il respcet [he coi:duci i)f its tliisi!lcss ih;ir ill 

an! mais-id rnanni.1. sciates to its capital adequ:icl., i;s liquidit). and fu~itfing policies :lnd 

p~-;lc~ices. itsrihilii!: io pa?. di\.idencis. ii.i credit. ~i~li managcrncnt !>r ct>inpiiance policies (1:. 

proczduri-s. iis i~li~r:iai ~oi~ircils. itsmanagelncni or is opcrntions ill- business (rach iten-1 i!? his 

scrrlenci.. :I "'Ki-)gi;.lr/c;iq. :I?i.~?!~iiii?i..'). 110r has :he Ci)~l>p;lii>. 111. ;illy C(>nl~;lli>' Subsidii:r> been 

a~lviseii since l:)rce..iliber 3 1. ?OQ6 by an?' stich Governmcntril Entity that it is considering issuing, . .. . <. ii~ilititlng. iirdcri~lg. or rcc!ilesti~lg any sac11 Regulatory .4grecmefii. I he (_'ompan!. 211~3 each 

Cornpriny Siibsidiar!. are in compliance ir: all rnatcrial respects ~irith sac11 Regularosy Agreenent 

to ivhicii it is part!. or. subject. and neither tile Companj~ nor any Conlpany Subsidiarq. has 

received ;\Iiy 170ticc ii-om :111]*' (io\~ernn~entai Entity indicating that either tile C:'ompany or any 

C'omp;iri! Subsidiary is ilc~t in con?pliaiice in all material respects cvith any such Regul~~toi?. 

ilgreemc~lr. ".:~~I~I;'O~Y~~IIL~ F~dt-rtrl Btmkiqq :Igenc:)~" means rhc "appropriate Federal bankins 

agency" ~vitli respect to the Cornpan::, or such Company Subsidiaries, as applicable, as defined in 

Seztio~i 3(q) oi'tlle Federal Deposit Iilsurance Act (13 I1.S.C. Section 1 X13iq)j. 

I) liis~i~~i~ei'. 'l'he C'ompan!; :ind the Conlpany S~lbsidiaries arc insurcd with 

rep~nablc ii~s~ucrs agailist such risks atici in si~ch amounrs as ll~c xnaniigerneiir oi'thc c'ijnipany 

r-easonabl!. 1l:is cieierii-iii~i.il to be pr~iden; and consistent n.ith iridiistry practice. l'hc Company 

anti t17c C0111j3ai1). Subsidiaries are in material compliance v,;itli their insurancs policies :ind are 

not in t.lcliiuli ~i~l~it'l- ;my ol'tliz inaterial rernls thercof, each such poiicy is oiltstanding and in h~li 

force anti ci'kct. ill! preiiiitlrns and itthc.r payments due under any maierial policy have been paid. 

at~d all ~liiims thereunder have been li!ed in due and titnely fashion, except, in each casc. as 

ivouid noi. indi\.idilaily or in tile aggrcgare, reasonably be expected to have a Company blarerial 

Aci\:crse Ei'kct. 

I &c.!lcclual i)ropc.rt\.. Escepl as \vould not. individually or in the aggpegatc. 

i-cason;tbl?, be cxpccrcii io have a C'ompa~z!; Atlaterial i2d\:erse EIYkct. (i) the f'or~ipm'; :inti each 

f'oi-tipan~ S~ib5idi;li.) O\VIIS oi- ~tl-~cr\\.ist has the right to iise. all intelicztaai property rights. 

inclriding all iradc~~arks. xaile dress. rracie i?amcs, service marks. domain iiames. ptttcnts. 

iilven:io!ls. t~.aiic' secrets. kno\$--1lo.i~. works of authorship and copj;rigllts rhel-cin. [hat 31-e ii~~i: ill 

rhc conduc: oftheir csisting bilsinesses and a!t rights relatii~g to the plans, design and 

specificatiitns of' an!' of its branch faciiiiies ("1'iupt.ietiny Righis") free and clear of all liens slid 

:tny cl:iims oi'o~t-~icrsliip b\. current or forisler emplo!~ees. contractors. designers or 0th~~~ 2nd (ii) 

neither tht Company nor an!; of'the Oor-r~panx Subsidiaries is materiaiIy infringing. diluting. 

misappropriating or :;iolaiing. nor has tl~e Company or any or the Company Subsiifiarics rcccived 

any i~riiten (or. to he knowledge of the Company. oral) colnnlunications alleging that any of 

rhem has ~nateriail;: inikinged. diiutcd. misappropriated or violated. any of the Proprietary Righis 

ouncd by any other pcrson. Excepr as wo~~ld not. individually or ira :he aggregate. reasonably be 
cxpci~cd to 113~~ 3 Cornpan>. I.latc~-ia1 .\ill erse Et"ict, to ~lic Co~npan>,'s kili~~~li'iigt'. IIO orhcr 

person is inlli~?gin:<. iiiliiiing. r-tlisappropria~ing or violaring. nor has the Con~pany or any or the 

Coinpan!. Subsidiaries scnt ;In\; \$ritten communicn'iio~~s siilcz January 1: 2006 aliegiilg tb:it an:; 

persoil has iiiii-ingcii. diliitcd. misappropriated or \.ioiatcd, aiiy oi'the I'roprietiiry iiigiit~ on.nt.d 

by the coin par^). anii rhc C'ompaiy SuhsircIiar.ies. 

ji.1 Broki'rs i~nd I..i~~iic'rs. No brokcr, lindci- or in\ cstmcn: banker is cntiricd to an! 

financial ~?di,isor\.. brokerage. finder's 01. other iie :)r ~0rl:inissii311 ii~~ii:li)ctiO~l \iit!l this 

Agrccmciir oi. rhc %'arrar:t or the transairinns cot~icmplaicci !:crcby or tl~creby based iip~ii-t 

srrangemcnrs 111;ircIs by or C>I: h~iliilf of thc Cornpaliy or :in> C'or~ipar~y Suhsidiur! [or 1% hich 111e 

111\,i's(c>r coiild 11ai'c an)' liabili~~~. 

3 1 Comliielci~il~ fierlsonable t:ftitns Subject lo thc tcr-1x1s and conditions of Lhls 

"igreement. each of~hc pattics \\ill use ~ts cornrncrcia!l! reaanable efforts lil gooti i'dith io take, 

or c~l~isc ;o he tab-en. :ill actions, and to do. or caube [o be dor~c, 311 th~ngs nccess;trq. proper or 

desirah!e. or advrsabli. 11ndi.r applicable l;ii+s. SO as to pt'rnlit consummation of the l+xdmse as 

p~-oi~lptl:, a> piaitlcahlr .u~d other\$ Ise to enable coi~sut~uriatior~f ~hc transactions cor-itumplatctl 

he~cb~ and \hall us? co!iimi.rcialI\ reasoirahlc sfforti to cooperdre ~iitil the other pari? to tila: 

rnci. 

? 2 Eypc'nscs. Unless othi'f li ise pro! iJed 111 t111s Agrecinent or the tf'arrailt. each of 

~iic partics hereto \& 111 bear aid pal all costs anii expenses incur?-cd bq it or on its bchali'in 

conricctic,rl \+ith the tiansactlons conic~nplatcd under tills Agiecinz~ll and the U'jr~ant. ~r~ciutiln? 

fees itiici II\PCIIS~S of its OL\TI linancial or otllcr consultants. In\ estrncnt bankers. accoantanis anti 

ci)ullscl. 

{a) During file perioci from the Oit~sing Date until the dare CIII ~vhich llle Warrani has 

bee11 li~lly c~ercist~tl. Il~e C'OIII~L~IIJ, siii11I III 1111 :ifnes have rcscrvcd "ior iss11ance. free of 

~.x-we"~pti\-r or similar rights. a sufi'iciel-tr nurnber oi'at~thorizrd rird ilnissucd Warrant Sharcs to 

effcciuare silt h esi.rcisc. 

!bl If the Cornpan:, lists its C'cimmon Srod or1 a:?! nat~onai securities c~change. the 

C'itmpai?! shall. ii'rcqucsted by the 1;i~cstor. prortiptl:, use 1;s reasonable best efforts to ca:w thc 

P:rft.rred Shares ad U'ai~rint Shares to be approxed ii,~ lisirns on a nattonal sectirities e\cIiangr 

as pro~~~ptl) as praciic~~bl~ foIlov%ring such rcqLicst 

3 4 Cert~in Yot~tka~ons iJntil Closirg. krom the Signing Date until the t'ios~ng, the 

Cornp:irty shall j2romptl\ 11ot1T) the In~eslor of (i) an\ fact, c-irent or citcwnstance ol'cti-tich i~ is 

aware and ~irhich \to>ld reasonably be e~pectcd to cause an) representario~~ or warrant) of the 

Co~np:t~q contalncci 11; this .Agreement to t7c untruc or ~nacc~~rate in an) material respect or to 
caust: an!' covtilaiii or ~igi-ec112eili of tli~ C~i-iipai~y e~tiilairieil i11 []?is A~TC~I~~~III not ti) bi' 

ccln~piirii ii:itll or satisfied in :In!. ~nateriai rcspeci and (ii) csccpl its Pre\.iousi~, Disc!osc.d. an!. 

fact. circurnsrc~ncc, c\;cnt. changc. occurrence. cai1ditio1-I 01- tic\?clopini-ni of'~.,vhicIi tile i'on~patlq. 

is ;ii:art ;iil;i \i.ilicil. indi\~idually or iri the aggrc,g;itz. 11~s hiid or \t:~i~!d re3s0113bl>' i>c SU~CCI;.~ 10 

 ha:^ a Con~pn~iy Jtl;r.icria! Ad\.erse Effcct: liro~.iiic~ti. l?int~ct~t., that di.ii\.ery of an norice 

piirs~mto tiiis Sciii011 .:.A sh;lil 1101 Ii~x-Iii or affect an>, righls of' or ri-medics a\>ail;ihic ri: iiic 

Ii~~estor: /;i.o\~iiii~ti.~f;ii.~i~oi~. tl::i~ a hiliirc to ~om~il!' \\.it11 ihi~ Section 3.4 shali no1 co~~stit~i~i' 2 

breach oi'ihis :2grci.men! or !!lr f~iilurs of any citniliiion SCI fortti in Se~~ii~n I .Z ic: be iiiisifcci 

~111iess t1.i.i. i~ndcriying Coinpan>. hlatcriiil :idverse Effect or rnatcrial breach .i\;oulci inc!;.!?cnci;.i;ti. 

1.csti1t in rhe fiiiltirc of a conciition yst hl~h in Seetioil 1.2 io be satisi7cd. 

? - 3 _s '?cccis, lnI',trn~aiion and I'onfidc~~rialln 

(a) From thc Signing Date until the ilatc whcn the In\.esior ltolds an a~noui-ii oi' 

Preiirred Shares liavii~g aii aggregate licjuidation value of lcss than 100/6 of the Purchase 13ricc, 

the C'ompany \vill pcrntit tile In\!rstor arlii its agents, cons~iltants. coiltractors arid ;~~l\~isor.c (XI 

acting thro~~gil tlii. Appropriate I-cdcral Uankiiig Agericj.. or othcr\vise to rile cstcilt ncccssal.\. ii-, 

evaluaie. Inanagc. 01. t~xnsfer its in\;estment in the Company. to examine ihe corporare books ar!d 

1n:lks copies tIlt.reof:inii 10 disc~~ss the :iEairs. ficances anci accounts of the Company nncl the 

Coml-7any Subsidiaries with rhc principal officers ol'rhe Company, all Lipon rcasoliabie noiice anci 

at stlcl? reasonable rin:es and as often as t11c Inve~wr may reasonabl!. request and 0.) to review 

any inhr11ia1ion marerial to (hi. In~~estor's inves!rnent in tl~c Co~npa~i~z provided b!, the C:on~pail!z 

to its Appropriate FecieraI Ranking Agency. Any investigation pursuant to Illis Seciio11 3.5 shall 

be concl~ictc.ii tlurin!.; rlorrlxd business iloitrs ;u?d in sucll manner as nor to inwricri' unrcitst:nr:bi!; 

~vitli the conduct oi'~1ie btlsincss of t11c Company. ancl nothing herein si~ciii reqili~-e iiie t:orr~piiny 

or any Cornpan?. Subsidiary io disclose any information to the Investor to tht extent ii j 

prohibited by applicable la\\.- or reguiation, or (ii) that sucll disciosure would rcason3bi)s hi. 

cspitcted to cause a ~.ioi:i~ior: i)f any rtgrecmeni ti? i\:hich tile (.'ompan? or ai1y C'oi.tipan!~ 

St~bsidiary is a pal-rc or nould cause a risk of a iors oi'privilzge lo the C'omp:tn! or any C'c~~l~pany 

Snbsidia~y (j)i,u\,iticjd'thai the Con~pany shall rise co~nmcrcia!l\: reasunablc cfi~rts to rnakc 

~tppritpriate substitute Jlsclosilrs arrangements under circutnstancei; \viicre il~c rcsirictions in ;his 

c1a:lse i ii j apply,). 

(b) i'.~nrll 111~ Signing I)az itntll he dais on ithich all ot'thc Prckrred Sh,iri.i ailu 

\;Lrarrarit Shiires ha\ e been redeerlied in ~bhoit.. Ihr Comp;ui) \$ill di.li\ci. or nili c:irtsc tu br 

deli\ erzd. 10 t!~c In\ cslor. 

(i) 35 soon u\ rii ail~tbic sficr the end uf each fiscal ? czi- of thc Conlpany. di~! 

111 all arnt i\ !tIliin 90 d,t> thereafter. a consolidated balance s112izt of';l?e Cornpar:! as of 

tile end ol such iiscal >ear, and consol~dateci statements of incorne. rcra~iied e~irningi and 

cab11 fIoi$s oi' the C'on~panq for such j ear. in each cast prcparcd in accordance i\ tt1-1 

GArll' and scitins forth in each case in conlparatttt hrm the figures for the pw\ 1011.. 

iisc;~i 4c":tr ofthe Companq. ant-i uhich sliali be audited to thc c?it~~~i audit& fi~~aiictal 

st~teintlnts are axallable. and 
(ii) as soct11 as ar ailabie ;il';cr li'ic ellii 01'ihc li~~i. S~COII~ ;lild ihird iji!ar-ici.l\ 

periu~is in each iiscai !.car oi'!hc C'ontpan!,., a cop!. oi'anj- qt~:ii-~crl!. I-<:ports proi-idcil ro 

olher siock110iiii.rs 01' ~ilr C'omj~:ir?~ :)rC'i)mpai~\ n::~:~rigi'mc'ni. 

.", (c) i i?c l~i\.~~ti)r \\.ll iise reasonable bcst cl't't>:.-is to holci, and \t.ili i~sc I-easoriai7ii. btsi 

ei'ii)t-ts 10 caiisc its agents, ciinstiltani~. i'on1ractol.s ;rnd aiii.isors to l.10lti. i~i confidt.nci: ;ti! i-ionpublic recoriis. hooks. coi>tr:icts. iilstr-ni~rcnrs. com17utcr datli anti other data and info[-mation 

(collecri\.e!y. --liyjO/.fi~t.rt!lo~i~~f conceining the Con1p:u;y St~:nisl?e~i or made al;:ii lnhic to ii 'n!. tile 

Coinpany or its representatives pursuani ro tllis Agret.men: (except to ~iie c'stent ikiat such 

inih:rn:~tion czn he SIIO\VII 10 ha:re heci; (i] prc\'ii?usl!- kno~vil h~ such party on a nnn-cont!dci~tiai 

bi~sis. (ii) ill ili~ p~iblic cioi~xiin tl~r~x~gl~ 110 fi~iilt of sxicii ~z~IT>- 01. (iii) I~3rei:?\vS~!Ily :i~~jiiir~~i fo131 

otlies SOL~I-CCS b:\, !he pari! ro \:,l;ich ir as iiirl;ishc.d (rlr~d li.ii11oxtt i,ioIarion :,i'ar?>- o11:c.r 

oonfidcntiaiity ohiigation)); pi-r;l,iiii~tl that nothing hcrcin 511:iIl prm cnt the II~VL'SIO~ froin 

ilisclosing ali). Informa~ion to the cstcnt rcquircci k,. nppiicsblc !a\vs or regulations or by aii!.' 

subpoena or sirililar legal prc,cess. 

(dl The Inies[or 's ~nii)rn>di~on rl_ul:l> purs~:dfit to SL'L~IL)~ 3 3(l)j nldq h3 ci~signc.d bq 

the !n\estur to a I;rar~~ii.rec or dshig11e~ of the I'ii~cIi;i~t.d SCUIII 111~5 or the \,f arrr-li3t Shares (>I \\lli~ 

:i llqu~datioi~ prcfcrencr: or. In ihc casc oi'ihe 'l\'z,rrant, thc Irqurdation prefcrenci. ofthe 

underl). lng shares of Lf'drrant PreSened Sroch, 110 less than an ,iInounL eilual tu ?'YO <ofthe initial 

aggregate Ilq~iiddiio~: prciL're~~cc ofti~e E'rcfc~red Share\ 

4. I I'urcllase ii~r III\:~'~LIII~I~~. ?'he In\.csior. ackrli.!\vledges [hat the I'iirchased Securities 

ziilil rile LVai~anr Shares have not been regisrereci iirlder the Sccusilics Act or 11nde1. an>. siak 

sccuri:ics la\\ps. l'hc investor (a) is ;icclui~-in? the 1)~irciiased Sccuritics p~irsu:ini t0 ;in c:<c"ilipii~i? 

fi-om rt~istrati~>11 ~lndcr the Securities Act solei> for iii\~esrnli.nt \\:it11 no present inre~~tion to 

c!isiribtrtc them lo any person in \~iolation ol'the S~cttriti~s .Ac: or ally :ippiicilbi!i? 1.i.S. state 

sccttri:ies la\vs, (b) will not st11 or other~vis~ ciisp~sc ~i'iiil? 0fi11e f'ii~-c!iilseci Sec~i~iti~s or tl~ 

Wan-ant Si~ares. csccpt in compliance wirh the rcgistrii!ion rccluiri'm~nis or escmptior~ provisioils 

oi'tl:~ Securities Act and any applicable I'.S. state seci~ritit.~ ia\i:s. 2nd (c'! has such knowiedgz 

and experience in fii~a~lciai and busincss nlslrcrs and in ini~cstmcnts of this r:\-pc thar it is capable 

ot'eval~latii~g the merits and risks (jf'tlic Purchnsc and of rn:il<ii~g an informed in\restme~lr 

decision. 

!a) 'fhe Investor agrccs ihat all ccrtilicatos or dther li;strirmeills represe~lling 111e 

IVan-211t :+ill Deal- a legend subsia~tiali~ lo the li)lluu~ng rfi>ct. 

-'I Iit. SFCIITII I IFS RF1311F'SL-\ 133 HJ I IIIS l\S SIil hli'N I 14-%Vt. \01 t3tt.U 

REGISTERED ITYDCR 1 HE SECURITIES ACT Of- 1933. IS /'\X1CUDED, OR TI-!C 

SECiJRITIES 1.4VI'S OF ,4KY ST ITE Ah11 M-IY NOT BE TRrZKSFEIIRED. SOLD 
Oii (1, rf;Eiiii iSt Dl\POSt il (11 I_\C 1 P I \Z I III>I 4 R1 (115 i R ; I'IO\ 

5: 11 l t11 'Y r 111-1. 1rIYc1 TjlE RETO iS t FkkC I \ \1)1-1< St C11 '-41 I -1YD 

4IVl 11 4131 I 4 i \TI- SF( 11R17iF's I 1% 5 OR Pi-RSI; 2x7 I0 ,I\ 1- YI VI'l iO\ 

1 ii.O'\I Iii (;IS I I? \ I IOY L'cUIITR St CIE ICT OR SUC 'tl !- 4U'h 

lIE\ l!i511<1 Vk\ I 15 lss[ bLj S!JI~JFC I 10 lllr RLSl liI<'lIO\~ (I\ 

II-c-~"\s~'E'R nn o rr-itii. rrio.\rrsiou 01- 51 cc RI-r 11:s i'~,~ix~i I-ISI. 

4(iIi.I i tfl \! 131 r\\ 1:l U TIHI- iS\l'fR C)F 1 Hf2il- St.< I li.lltl-5 \hi) 1 Illi\!'I S I OR Ri-i YRRLD 10 I IICREIN. ,\ COPY Of 'itII!Cfl ILs O\ 1711,F it*i? Ii 7111 

/\\I. I-ii. 1 l!k 51 ('I. It1 Ill 9 Rl-PlU Sl-\ l!J) 13)' 1 HI5 1hSlI;l LlL\ ! 14 \Ol 

131 501 13 (1 I I II,IILZ ISI I I;-I\S~ L RIU-I) ~YL-LP I I\ c ()\.$PI vmcr nii 1-1 1 

I 111 V 1 Ah\'?-21 f OR 01 ill'li I LPXNSfI-I? '40-1 I\ ('C)XIPI I.?\'!(_'! 

iZ I 111 s2-\113 ~\c~i:bI:hll>i'" I !\/I1 1 Bl- i/OII>..' 

I b) In dddl~ion. the in\ ~~i07 ;igrces ihdt ai! ccrtiiicales or otilcr instr:lmcnts 

rq71-went1iig tllc Prci;:nc.ci Sha1c.s and the \i'arrdnz Shares \\ill bear cl Ie2ei:ci subs ran ti all^ lo rlle 

ioli~>i\ i12g c~~L'cI 

" 1-1 II. SEC i 1RiTlCS RT PRES1,NTED 13Y TI115 1KSTRLhII:YT ARL hOT Sr\I7!\C;S 

JICC'OI N I S. 1LL;POSI 1 S OK O1'Iif:R ORI.IC;A I IOhS 01' A 1311hP; AhIl ,\RI. 'do i 

1hS1 1iI 1) 13)' l iif i't'f)f:R,41, DfPOSI i' IYSUIlANClJ COIlF)ORI-\ 1 IOY 01: AS!' 

0 1 i 11 It (:C)\ll:lth%lYY I ,-\I, r'iG1:VCY 

TI 11- St.UL1liI J 11-5 lit I'Kt SkR' I t:D I<\,' 1 I-IIS IKSTRO\/lI'KrP f--i,.iVF, LOT fiEr,h 

K1 iii5 1 LliTD I NDER I HI- SFC'1,KI1112S ACT Of 1933, '\S /IXIi-hI)l (PIE 

-SI CI PI I 11 s 4c 1- 1, o~i I I 11 SI,CLII~I IL'S I,A\I!'S oi ,IVY s I A [ 1. Ahi) hi-11 

hO1 131: I I< l\~l~LRltk~J SOL.1) OR 0 i likI?LbISE DISPOSEIJ OF ikCI:!'T '~i 1111 L 

A It1 GIs i l? 4 1 IOh S I .'! I l:b1l7'i I- RLI,.:, I I\G 11 ILRI 10 IS I\ L 1-1 I C I t '4111;R 

SIlCi-1 'LC I .ibJl) "I'I'LIC~413Ll; ST,Zlk SECI'III 1!ES L.ILI'S OR PI IRS1- .\ST TC) 

4V I X1 hI13 i IOi\ f,.RO"L I1:C;IC'I R*\T IOh lJ\I)k I), S1 C!-l 4C I OR S1'C'I I I 2lZ S 

1 \Cl i 1'1 Ki I i ASLIi Oi I IIF SLCURI 1 IF5 l<FI'Rl'SL-'4 FED r31 3IIS 

IK~TRITklEh 1 IS \(I 111 11-D THJ4xT TI-IF ?Lt-I-TR A1 11 BE RFIdJ7!VG (I\ I1 11 

1 \;I ~11' I I(>\ I R~IM SLC'I IO\ 5 01 I I~I SLCL RI'I'ILC JIG- I- I~ROVIIII r) 13\17 ix11i IiJ-41 ~IILI?L~I'~L)LI< AYY IK\~slEIII-~C)F IIIk SI~~l~~~lIll:~~~~~~~R1~

\ll:l) 

L3)' I liI? ibiS PICIL7A/1I_U I BY I I S AUC'!:t-' i 4VC'l.: 1 I1 KI3OI: I 1 ) I?I,I311I:S13h' I'S : 11 2'1' 

! ! I\ '-1 -*<lL -11 11 I1,D IKS I1 1.L J IO\>II- BU\,'I2R" (4s 131~FIh1<13 1'41ii lldE 1-44 4 

u\~t R I lit* SI-X~ TI i IF^ 4~ I ). (2) IGR~ES IIIA I I 1 11 Ir i \CI 1 owtri. SELL 

02 C!TIIL RY\'ISE SR~I'U'Sl-ER TI-IE SCCLIRITICS IGPRFSEKTCD 13Y TFlIS 

IYS I ii.l.J\ILN 1 kACkl'1 (+I) k't1RS11 1'4 I -1 0 $1 l<E,GlS 1 I<<\ IlO\ S 1 l:Mk\ I 

iir1IfCii IS ?ITLN EfI-CC'TIVE LiKDER TIIT: SECLRITif S ACT. (B) FOR SO LO~G 

.'\S I Elk. SIT( I Rl i 1f.S Rl:PRI,SI'h I l,lJ i3Y I I iIS IUS? KCltl1:N'I t\KF EL1C;IHI.IFOIt 1QPSAI.I: PUf?SllAY? 10 RY1 i: i43A. TO t?, I'I3IISC)N l'l IIk/\SON 213.1 'iSt1 IkVk'S IS 4 .-Qt' \L If-It11 I\S'l I1 1J 1 IOhi11. BL YER" .AS DtI'hLD Ih KI. I E 

I44 \ I-NDER THC SECLRTTIfS 'lrUT TIiAT PI,IRZHtlSrS FOR 11 S OR N 

IC'COI KT OR I CiIi TIIE 4CC'ClI Y I- OF 4 Qi '.AI.IFIkI) INS'lyIT1_ 1'lOY 21. HC1'FII 
I IiIh IFUS t XI ZILh i IS IS\[ I TS 5III3JTCT i 0 i 1lL IiLS7RICI 1f)Ui O\ 

G?,ITSFbi?. '4hJI Ol-Flrl? l~I~O\rI~lO\~ Oi I \!-( L'RI I /I*\ PI ll<<'i [-IS1 

IC;KLELI~-U I BI- I \'i EL\ 'i lit IS~~L.R or 'Ti 11 SL SI C'~~~%TIES 4hD I i II 

I\\'i S 1 OIi Ilkl'lRKi I3 TO 7 ti1 RI I'k ,\ C'OPJ 01- \i I IIC !I IS 0'; T1Lk \'& I I I I I1 I li' 

ISSlll-I? !-IIE SI C:lRI?II.S RTPIiI SI N 1-1 I> I3Y -I HIS IUS I Kt l'LI1-V r 41 21' '40 I 

131: SOLD OK 07 1-lilRMTSt.l I li,lYSl I-RE11 I?\('! P 1 IY C'OZ.IP141hUC!, \if! !'I I 

SAID AGRl-kh!ENT r2YY Stl1.t Of? 0 I IIER 1RAIVSf I:R hoT Ih CO'cliY IAhCI: 

'A'l I ! i S,\ID IIC~IIl:L~R~I U T ?'ilII 1, HI- '1 OIL3 " 

(c) Ir , i h- i. LT .a .-. L~I that m).: Purchased Securities 01- \+"'rrai~t SIlares (i) beconle r-egisiered 

undcr the Sc.ciirirics Act or (ii) tire eligible ro be transkrrzd :: irhout restriction in accordat~cc 

Lvitfi Itulc 144 or anozi~cr exemption from registration ~rrlder tlie Sccurities Act (other illan KaIc 

143h). the C'ciml-tany sliall issuc nen- certilicatcs or othcr ins!rurnents representing such 

Purchased Seci~rities 01- !%'arrant Shares. \vI-~ich stlclll t?or conlain the applicable lcgcnds in , , secCio~is 4.2(a) and (b) above: p~.o>:iiii.ii that the Invcsror surrenders to the Company ttic 

pre\,iousiy issued certificates nr otllcr instruntent:;. 

4.3 (Ir~.~1~i'ransacrio17s. 'I'hc Company \rill nor merge or consoiidatc with, or sell. 

transfer or least ;ill or substantially all of irs propc.~-ti; or assets to, an:; other party rlnless tlie 

siiccessnr. transf'crcic or lessee p:~rt).: (or its ultirnare parelir entiry). as the case may be iif not the 

Company). expressly assumcs the due and punctual perform:tncc and obseniancc oi'eacl~ and 

cirer): covenant, agrccmcn? ;:nd coi~diiio~? ofthis ~Igreel?lent to be pc~.fitril~cd and obse:!-ed by the 

~,'<>111pallj~. 

?. . 4.4 [ ransi2r oi' Purchased Sccu~'iiirs l~i~ii Warsant Shares; Restx-ictions on Excrcise oi' 

-- tlie M;ai-rant. Sul?.jcc! lo comp!iance with applicablci secilrities la\~s. the Investor slmI1 be 

per~nit~cd to tmnsikr. sell. assign or otherwise dispose of ("Trirr1.pfl.i-*.) rill or a poriiol; of the 

l'uscliaseci Securiiics or \'l!arranl SIiares at an! tirne. ruld the Compa~~y shall rake aIi steps as Inay 

bc rcnsonably reil~izsted by the In\lcstor to facilitate rhe 'I'sansfcr- ot'tlie Purchased Sccirrities ar~d 

the \;\'ar.rant Shares; ,ni-ovitkcil that tl?e Investor shall not Transfcr any I'urcl;asei3 Securities or 

Warrant SI~ares if' such transfer \\oulii require the Company to he silh,ject to rhe periociic 

reporting reil~iircinents of Sectio11 13 or 1 Sic!) oi'the Securities 1;schangt. ;\c; of 1934 r the 

'-Ex~,hlci7ge ,4cr"). 111 furrhcrancc ul'it~e lixcgoing, [he Corn1mr-i~- shall pro\.iclt reasoi~able 

coi~~eration to facilitate any 'l'ransfers oi'tlte Pilrchased Securities or 'It'arram Shares. including. 

as is rcasonablc iindcr the circunlstances, by f~ir;lisili~lg such informarion concerning the 

Company and iis business as a propossd triinsikree may reasonably request (incirttiing such 

inlormaricii~ as is required by Section 4.5(k)) and making mar-tagcmcnt of the Companq. 
rcasoinabl;,- ii\,ail;iblc io ri-spo~id to ili~esiiorrs c)!';: proposed transkree in accord:incc \\.it11 

cusiotzar\. pmcrize. s\illj~'~i in iill c3ses i;Iir pr~71)(1scd tra!isferei' ;igrccirig IO ii ci!sti)ill:ii.) 

co~~iiilrniiaiit:, ag:-ee~:ii.~it. 

(Cij I.~nless and unril 111~' CI)III~;~II\, be~~~i~ii's s~ibject 10 the rcp~r~i~ig rc'qi:ir~!iiei;i~ of 

Sccrion i 3 or I j(i1) ol'rhe :kt. the C.'~?III~Z~>' sllall have no ohligaiic>n io ~i)i!t~i! xib ith 

illc pro\-isions i)i'ti~is Section 4.5 ({~eber thsn Section 4.S(b)(ii,)-(vi?j: jjro~'i~I:'i! I!I~I~ tile Ci?~il;)all> 

COVI'IIZIIIS ;illif ~IZSCCS that it ~ll;\Il c~i~ipl) \\i~h this Sc"ctior1 4.5 ~0011 :IS ~>~-ii~ti~;ihl~' i:!'ti'i. ihi" . . t1r;it it l~cc~~~nes s~~:).jcct io SLICII rtporting reqi~iren~enis. 

(bj &eisir:itiori. 

(i) Sli!>je~t ti) :he tzrrns and conditio!ls ofthis Agri.i.i~ni?ni. [lie C'onipatiy 

co\.cnsnrs anci agrccs tha! as pro:nptly as practicable aiiei- tlni: date tlxii the Cornpan): 

beconxs siibjrcr to tl~c reporting recit~irernents of Scction 13 or 15tcl) ofthe Exci~arigc Aci 

jaiicl in any even! no later tllan 30 days thereaf er), the Company shail preparc und rile 

\\ it11 111e SEC.: 3 Sheli'liegisiration Stateme111 co\.ering all Iicgistrable Secnritics (or 

oih~r\~isc d~~ig~liite ;irixistiilg SIirll'Registratior~ Statemrn~ Iiied \:.iih tbe SEC 10 cover 

tlie Registrable Securiiizs). and. to the cs~eiit the SIrc!f Iicgistralion S~atcrnsnt has not 

ih- .~~.rcii'ore ., been cleclared effective or is 1101 :tutonnarically cfit.cti\.c upon s~rc!l filing. the 

C'ornpn~i): sh:ill iibe reasonable best efl'orts to causc such S1.ieli'Iiegistratiun Statct?lcnr ro 

be declared or btcome effective and to kozp such Si~i"lt'Rcgistrati(.)n St;t!enneni 

con~iniiousl~- cfkcrive and in co;l.ipiiaiice \\-it11 rile Secilrities Act and usable for rt':<;i!c of' 

silch Kcgistrablc Scci~rities for n period fi-om the dare of its inirial tiT<~ii\*2i.!~~~ iln~ii sucll 

rime as rhcrc arc I-LC~ Rt'gistrablc Sccuri:ies rrrnaini~~g (ir~cltliiing b\. relliit~g .;~ici-~ Si~eii' 

Registration Siareti~tnl (or a ilc\\. Shelf Registmiion Staienle~it) if the ini~iril Shelf' 

liegistration S:,a:ement expires). Sot\vitIis~a~idir:g the ibregoing. if tli~ C'onlpat~y is ilot 

eligiblc iO fiic 2 r~gisii-atio~lt;itcr~~ent o 1301111 S-3. t!iell tile Cn~iip:i;~y shall Iloi be 

obligaiecl LO li!e a Shelf Iiegisiration Si:~temcnr LIIIICS~ and u11tiI rccluesrcd to do so in 

ivriting by rhs Investor. 

(ii) Any registrmioil pursuailt to Sec~io~i 4.5(b)(,ij shall bc elkcte~i by ~;ie;ins 

of'a shrli'regis~ration on an ~~ppropriatc ibrtn ~iniicr Ru!e 41 5 under the Securities !let (a 

''Sl~i~/jRi~gi.r~i-iiiiii?i .';ia/etl:c-.n;"'). If il-ie 1nves:or or any other tiolder inicnds lo ciisrribute 

any Rcgisrrable Securities by means ol.an unrisr~\:~-iiten off'cring it shall promptly sit 

aiivise tire f'ol~ipany and rhe Company shall lakc all reasoi~ahle steps to hziiitate siich 

Jisrriburictn, iiicliiding the aciio~ls requireci piirs11;int :v Section 4.5(13): pro~rill<ci ihnt rht 

Compwny sl~uli not be rccjuireci to fhcilitatc an undern.rittcn offering of Registmbie 

Sccuritics unless iile expected gt-clss prdcecds frorn such ofiring exceed (i) 3% oi'il~c 

inilia1 aggregate liquidatio~i preference ofrhe Preferred Shares if such initial aggregate 

iiil\~idation prei:~.ence is less than $2 billion and jii) $200 million if the iniiiai aggi-cgate 

liy~~idarion pr~fcrciici. of the Prcftrrcct Shares is equal to or greater than $2 birlion. 'I'he 

Icad andcrwriters in any such dislribiition shalt be selected by the !-IoIders ofa n;ajo~-ity 
nl'tlle KI'IJ:SIS:~~~C 5 Seei:ri~ics 1~ be disti.ibiitcil: /ii.<)\.ir/~><i that to rhc esreni appi-opriare ;IJIL~ 

pern~iitcii ur!cii.r ;:ppiicabic !a\\.. st~i!i I ioldci-s s1?311 coi-]sides- the quslif~c:irii-,ns o!';iii> 

t?rokzr..dc:ilcr ,~'iil!iure oi'ihc (.'ornl~an>. iin ielccting thc icati ~ildej.~~rite~-s in ;ljil s~lcll 

dis~rib~l:i~>r:. 

(iii) I'l~i: C'ompi~iiy shall ilot be rcciuirc<i efkct ii r~.gisl:atioil (inciiliiirlg r! 

resale ofli~~glsti-:iblc SccuritiL's i?om rui ci'fccti\.c Shtll'Iiegis!rarioi: Srarc.nly;?i) ctr ;iii 

~~i~tkri\-ri:ien ofj>i.i~ig ptirwsnr 1~) Sectioi~ 4.5(h,i: (;I) l.i'it11 respcct to seci~ritics t11i:i as-t 

1101 Regist]-able Sectiri~ies: oi (13) if- tht. Coi:~pai-i!. ii~is noiiiieii he Ii:\ ~'SIOI- 2nd ;ill otlier 

1li1Idi.r~ rhai is: ~lic good ilii~ll jl1dgni;':ll of i!ic I3oar.d of Llircitor-. it \\c)iii(.i be ma~c!-i;~ll> 

dctrimcnial to the Company or its se~urityhoIci~i.s iitr sucii registratioti or tinci~r\\riitrn 

oi'kring to bt ei'ii.cti.ii ar such rime. in \-\:?!io!? c\.i'n! rhtr C'c>i!ipai~;; shl.;Il !la\:? the riglit !c! 

defer such registrarion for. a pcriud of rloi niorc rhan 45 iitt>.s after ~cccipt of rile ri.qucsi ofthe Investoi or ail>- orher I Iolder: prfii'i~/~>l-/ t!~at SLICI? 1.igi'it IO delay a rcgisu-ation or 

under-\triitrtn offering sha!l be exercised by iirc ('ompan!- [, i j only ii'rhi. Cornparry has 

generalig. exercised (or is concurrently exercisii~g) sinliliir black-out rights against iloltlers 

ofsimiiar sccuri~ics that luivc rcgistnitiun rigiits and (2j nor rnorc {!tan tlirec rimes ir? an): 

12-n1onrh period and not r~~ori' L!I~II 1)0 days in tl~e ag,g:egatc in any 12-snontli period. 

(iv) Ildurins xiy period whe:~ an efi?c:i\,c Sheii'Resis~ration Staicment is not 

ai,ailabli.. tile Company proposes to register 3ngr of' its eiltiit!. securities. othcr tlla~i : 

registration Ixlrsuant to Section -!.5\b)(i) or a Special liegistration. ar~d the i-egisiraiion 

Sonn to be ii!ed may be used for he registration ur qaalilication for distrihurion oi' 

ftcgistrablc Seci~rities. the Company \\:ill give prc.111pi urit~en notice 10 thc lilvt.stor and 

a11 otlier i-folders of' its intention to cffcct such a registration (but ir: 110 event iess rhan tcn 

iiaj.s prior ro the anticipated filing date) and .ivill inclitdc in such registration ,?!I 

Rcgisrntblc Securities with respect to whitl~ the C'ompang has received i\~ilten requests 

for inclrlsion tlicrein \\.ithi11 ten business days aiier tile date of the Company 's notice (a 

"f igg~~~b~rck iicglrrt~rrtini~"). rltly sue11 person that 113s iniidc. such a \~'ritten rccjucst ma): 

withdraw its Rtgisrrabie Securities fron: such Piggyback Rcgistraiion by gi\,ing \\-r-it;en 

notice to the Conipany and the ~nanaging undi.r\\~-irt.r. if an.'. on or bcfbrc. he iilih 

btisiness day prior to :he planned efftctix-c. iiaic of such Pigg~.back Iiegistrarioi; '1'11~ 

C:ompar~y mag. tcrmir!nte or ivithclra\\. any ~cgistriition i111cier this Section .i.._i(bI(ii.j prior 

to ihe tf'ec~i\.eness of sticii registratior?, ~i-hethcr or 11or In\;cstor or an>. orhe; I-iolcicri-s 

h2x.e clccrcd to insl~idc Registrable Securitics in SLICII registration. 

v li'tl~e registratioii rekrred to in S<~:ii)ii -I-.S!b)jiv) is propose:I 10 bt" 

i.indcr\vrirren. the Company 'ivill so ad~ise Iri\.cstor and all other 1 ioldcrs as a par1 of ilie 

~critten iiotice given pursuant to Section 4.5(b)iit.f. In stlcl? event. the right oi'Invest(~r 

mci ali other I-Iolders to registration pursi~anto Seciion 4.5ibj \vill bc conditiorml Lipon 

such persons' participation in such unc1crv;riiiny ancl the incltlsion of such person's 

Registrable Securities in the undenvriting if' such securities are of the sarrle class of 

securi-ties ;s lhi: securities to be offered in the under\i.riiten offering. and each such 

person 11-ill i tugeihizr \\,itI? the Cornpan!. and the oilier persons disrrihilting their sectiritics 

rhrough such [inderwriting) enrcr into rln under\\~riting agreement in customai-y form \.~iih 
tlic ui1cii.i-;\-riictr or iir~cler\i.riters ~eIcctcc1 iOr SIICI~ iinJcrivriliilg 13) the C:01~lpiii-1> : ,~~roi,iikti 

:hat the ln\.cszor (as ~>p1?oseCi t) ctthc'r I-loldersj ha!! not be required to iniicrnni5. :ii:). 

p~rsij11 in conilcc'iion ivith an!' rzgisllxriun. li'ailx pariicipaiing P~SSOII iIis;i~~i.i)\.~S ;ji'd?~ t ,A? - . . ins ol Ihc undcl-\-;.~.iting. sacli pcrsc)n ma) elect to \t.ijil~ira\\, ~hereloirl b> \';i-iliei: ix:!tii'e 

10 111~ i'i>illpi<~i\.. 111t' mannginp andel-u-riters and ziic In\,i.szor (ii'ihi. 111i csor is 

p;ti-ticip;.;ting ii? the uniizi-\i,ritii~gj. 

I) 1i'citIi~'r (1) the C'ompa~?);. grants "piggj,b:ick" registration rights lo one or 

iliorc iilirri partics 1:) inclucle [heir stc~~ri~ics in 31: u~~derll-riiten offcrillg under the Slic!f 

Rzgijtraiivn Sie~c!l~ent pilrsLiant to Section -1.5ih)tii) or (~$1 a Piggyback Iicgistrstion 

andcr Scc1io11 4.5( b )(ii, j relarrs to an i~nder\l,-i-iiter~ olt::ing ()i> behalf i>i' ihc C.'(~III~?:~I:>-. . . cir~d 111 e~thcr case rhc maria gin^ iii~der~i'rit~rs ad\,ise the Clon~pany rhai in their rcaso~lable 

opiriion the IIU~~I'~~CI. (ifsecusitics rrcluested to bc included in such ot'fl.1-ing exceeds tllc 

ntinibcr \\I!icii C:iii be soid \.i.itilout ad;.crscly afkcting the i-narkctabili-ry oi'silch offtring 

(iilc1:tding 311 adverse effecl on the per sital-s ofkring priccj. 111e Cornpa~t!. will i!~clilclc in 

such offering 0il1). s~ii.11 ~:umlter oi'si-cilrities ihat iii he reasonable opi1i;ion of s~ii.11 

illanaging unde~-~\.riters can be so!J \I i~holii ad\~crseI~ alli'c~illg [he ~rlarE;eL;lhilii> ofthi: 

ofkrir-ig (including rill iliiversc efkct on the ptr share off'sing price), \vliicl~ sscuritics 

will be so i!zciudc;l in tile ibilot\:ing order- ~fpriorit~,: (i'.) first. in thc case of:: ii'igg!,brtck 

Kegistrrrtion ~iniier Section 4.5(b)(i-\.). the securities the CIo~npail proposes to scil. (B) 

ihejl thc Rcgis~rablix Securities ofthe Invsslor and all o!ller Holcicrs \~.ho ha\e reclucsieti 

incliisio~~ i>i'Rcgistrable Srcurities plirsi1an-r to Sectiorl -:1.5( b)(ii) or Section 3.5(b)(i.i.). as 

applicable. pro i.ri:r~ on ~1.1~ basis of thc rtggrcgntc nunibcr of such sccuritics or sharps 

vu.ired bq tach stlc1-1 pi.rsctn and (C') iastly. an!r otllel- seci~rities of the Conipailq. ll-int ltn~~r 

becli r~~j~iestc~i to he SO included. sui?jcct to t1:e ierms of'tllis Agreemi-nl: PI-olvitii.ti 

i'~r)~r-t~vi~i.. that if iht. Compn~i!~ has. prior to the Signing Date. entered inro an agreement 

\i.iih respect tu irs sscuri~ies ~har is incc)nsisrcnt \vit11 the order of priority cot~tc~.r;p!::rsd 

!-icri.b!' then it sh:ill appl!. the order oi'prioriiy in sucli conilicting agseen~eni to the csiel~t 

tiiat ir \toitli! r~tlii::.~vii;e resuit in a breach uililzr such agrecnrcnt. 

!el F-?;~~~l~<~~~-~~t'~i~tritti~tn. .41l Kcgistrntic~n I!spcnses incurred in conni.ction wit11 

ali t-esisL~-riiii,~i. cju:~lificr~tinl~ or cumpli:iricc I~creuncier shall be borne b! the Compai~y. 1211 

Selling I"spcns~s incui~eii in cvni~ection will1 any registrations hcreunclcr shall be borne b~ rhc 

ho1tli.r~ oi'tl.ie securities SO i.ep~isicred j~~o i'illi~ 011 the b;isis of the aggregate ofkring or salc price . . of thc sccur-liies SO rtgistcrcd. 

{d) OJ~IIL',~IIOI:S oi'1l1e Corligan\. JS'henc': er icqui;cd to effect the rcg~stratian of 311) 

Reglstrabic Yectint~c\ or ijc~litn?c the dls~nbution of Kegisnablc Scciirirics pursuenl to aIi 

cjfecti~c Shelf Kegistrat~on Starcmcnt. the Coinpcinq shall, as c~pcd~~iousi~ as recjson:lbl! 

pract~cable 

i I) I'rcparc ailti iile 1r1i tlic St, C' a prospecitis s~ipplement or posi-eilici~r e

.imeniirnrlnt \r !~h iespect ro ;i proposed ofiriiig of ICegrstniblz Securities ptirsaant to an 

ciiccii\c rcgi-,tr;:tioi~ itatemcnt, suh,ecl to Socrlon 4 5iii1, heep s:ich registiation 
(ii 1 Pi.ep"r"i~i! iiic c'i~h the SLlC snc11 :iincncilnents arid suppicmc!:ts io li;c 

:ipp!ic;~l;lc ~qiszrarion sL:itemenr alxi the prosprtc;irs or prospectus stipplemeni used iil 

c.onl?rction \i.irh such regisn-atic>n StiIiclneilt as may be nc.cessal?r io c0111piq. \viih rl?e 

pr-oI:isic!ns oi'tiie Sc.c:~i-itics :?c! with respi'cr io the dis~~osiiioi~ of all securilies co\.escd bj, 

sucli registritlioli statement. 

(iii) I;urr:islr 10 rhe i h)iders and nny u~?di.rn-ritcrs such niirnbcr of'copics oi'rhe 

appliciihlc registratioil statement and each such amendment and s~ppie~~~ux thereto 

(inzlitding in each casc all csl?i'nits) and oi'a pri)spi.ctiis. i~lciuding a pi-elinriilar~. 

pl-ospcctus. in conhrmiiy nit11 the r~y~~irenl~i~ts of rile Securities ACI. and such orI?er 

doculnents as tlze? ma;, rcason:~hI!. reqilesi in oriicr to facilitate the dispctsition ol' 

liegistrabie Securities oivn~ii or to be ifistribiited bq 1hc.m. 

(iv) lise its rear;oliabIe bcst eff01-t~ 10 1.egister iand qualii;?, the scc~iri~ies COVCTCC~ 

by such 1.rtgisiraiivrl sl;ltemtnr iirlder such urher securities or Blue Sky laws of such 

.jtlrisciictions as shaii be reasonably requested by the f-folders or aily manayirry 

under~vriter(s), to 1;eep such registrtitiotl or qunliiicutiorl in effect for so Io~g as such 

rugisiration statcmcnr remains in cflkc~. and to take any o~her ~CI~OJI wl-iich may be 

rcasonabl:,. necessar-y to enable such seller to consummate the disposition in sucl~ 

jurisdictions oi'tile securities 0~17ed by mc11 1 lolder: t')roviif?~~'that tl~c Colnpany shali not 

be required in connection therelvith or as n condirion thertto to qualify to iio bitsir~ess or 

ro lilc ;i gci?eral consent to scr;.ice uSproczss in ally SUCII slates orjti~-isiiictio~~s. 

( Kotify caoh f ioider of fiegistrablc Securilics st 31:). tin~c n:hc:~ a 

prixq~cctfus relitting rhzl-cto is rril11iri.d tct be drli\~creci liizdri- tile Securiries :'lei of the 

happening of any ci.ent as a result ol'\vhich ti~c applicabie prospectus. as rlleri in effect, 

inclucics a11 urltrue statement oi'a rt?aleriaI fact or omi~s to siaie a material fiici rt-quit-ecl to 

13(: stated thercii~ or necessary to make the statements t11ereir.i nc~t rnisIeading in light 01' 

ih~ circc~mstanccs then esisrirlg. 

i~ i) Cji\re ivrltrcn ~~oricc to the 1 loldcrs: 

(1) \ihcll an! Icgistratiol~ ~t3tei1ie1~1 fi1e:l pur~ri,int to Sect~or~ I 538) or 

any amendii~cnthereto has been filed ulrh tile S1'C (except for an> amendment 

ci'iecrcd h~ ihc' lillng of3 document nlth the SkC pursuant to the kuchangrt ~Ici) 

cinJ tt11e11 such reg~sti~ltloil st~itrtrncn: or 311;~ post-el'f:i'cti\ e ~mend~nei~t rheretn Ilas 

become eikcti\'e: 

(B) of any recluest b:, the SSI:C for amendments or snpplemrnts to an) 

rcgrsrrarion statement or zlle prospectus iricl~lded tirerein 01. for additiuilal 

inforri~ation; 
(I)) of ri?c receipt hy the Con~pany or- its !?gal counsi.1 o!' ;in:\. . " noiliication \vith respect to !lie s~~spe~~siorl of 'ihe ij~laliiicaiiiiil of tile :ippiic;ihlc 

Rtgis~bie Sccurirics for salt iin any jurisdictic-i1 or tile ini:iation or tllreareniI:g oi' 

any pri'cesdll~g for such purpose: 

(ill of'il~e happening of an!. i.\.enr that rccluircs ihc Cornpan>. to r;;akc 

chanscs in ail:: et'kctive I-egistrarioil sta1eInsrlt or 15;. prnspccrus related to iiii. 

registraiio~~ statement in order to make 11.11. statemcnis thcrci!~ nor i:lis]e:liiins 

j\v!iich notice shali be iicco~~ipanied byan insrruciion to suspc:nif ~hc use oi'il~e 

prospectus until the requisite changcs havz been made): and 

(1:) if' at any time the represerttatio;is and \van-anries ofthi. C'ollipaii>~ 

contained in an>- underwriting ~.;greenlent co~~tcmpiated by Scciion 4.5(d)(x) ccnsc 

?o bc true and correct. 

iv.i) I. se its iea~onable bcst cffc~rts to pre\.ei?t rhc Ibsuancc or obtain iht. 

ii ithdra~\,ii of an! orJer suspzilding the cffcctix ciiess of a11 regist1 stdLernent 

rricr~ed io in Section 1 5(il !t lrl)(C) at the earitest pract~cclhlc time 

i\,iii ) I.'pon t!le occun-ence of'nny event contemplaicii by Scctioil -!.5(df(i,i or4.5ici)(\:i)(Ej. pr0111~11y pi-c'p;iri' a post-efti:cti\!c amcnclmrnt to s~tcll r;,i- pa(y strt111ot1 ' SI;III‘IIIC~~ 

or ;: supplsmcnt to the i.elateii prospectLIs oi- lilt art>- other rccjnired ciocainen~ sc) rha~. as 

rhcrenlicr deli\.ered ro tl?c I-!oldcss 2nd any undcrtvri~ers. the prospfctus n.ill ni:1 cor11zirl 

an il~itruc siatemclil ot'a n-raterial !'act or ortiit to slate an). mnti"r.ia! t'acl neccssar! to njake 

tile s~aien~eilrs rhercin. in light of the circumstances uilder ~vhicli they \vcrc made. not 

mislcaiiiiig. if the Company ~lotifies the finlders in riccordance wiih Section 3.5(cij(\4)if-: j 

lo susperid rile iise of the prospectirs until he requisite cilanges to the prospzctus Ila\,c 

been made. then the I-folders and any uiider~v~iters sliail suspend use of such prOSpecit1S 

311ci LISC rheir rexxtnabie bzst efforts to return to the Cornjtany ail copies al'siici~ 

]3n~spec~us (21 tilc C'8nlpally's expense) other than psrnlaileni file copies tiler? in s1ii.h 

1-loiiie1-s' 01. i~iider\ti~itcl.s' possessio~i. 'l'i~e 10131 number oi'days that an2 silch suspe~;sion 

niay be i11 effect in any 12-month period shali not exceed 90 days. 

(is) lise reasonable best efforts to procure [he cooperation oi'the C'ompan!-'s 

tral~sfer. agent In scttiing ail). itffcring or sale of' Iicgisirable Securities. ii~cludi~~g \r-it11 

respect rn the rrrinslr of ph1,sical stock certificarcs into book-entry hi-111 in accordance 

;vith any procedures reasonably requested by the f iolders or any r~ianaging 

~~i;der\vriicr(s). 

(N) If an undei7tri;tcn oi'l'cring is requested pursuant to Section 4.5(h)(11i. 

cncer into an il~lder\tr~tlng arec~ncnt in customary i;>rrn. scope and substance and iahc all 
si.;c!? i)ii~if~. iic:io!?s reasonabl> reijiiested b!; the I-iit1dt.i-s oi'a majorit>' oi'the Iiegisirabie 

Seci~i-iiics bcii;g sold in conr~cc~ion thcrc~.: iih or IF: the ]?:anaging uncirr\zritc.r: si. ii';in!-. 

ro cxpeiiiic or il~cilitate tllr undcr\i,ritteil dispo'stion of such Regisrrnblc Securities. 3rd in 

i.o~:ncciiol~ iiicrc\viii~ in 3Ify iitlde~ivritit'ti (il'i'~~ili9 i in~iuiliiig making meii-hers oi' 

r~-i:rnagcrnei~t nnii e:iilcutit.ils ni'ilic C'o~npany avail~lblc tc, particip:~tc it! "mad sixuti-s". 

si~-l;ilar sales e\.eiIrs i~nd oll~er markciing 3ifti\.i1ics). j.;Q ~:-i;ijie si~cli rrp~esi'111;iiio11s zii~ii . . war~-;i~;ries to !he 1Iolde1.s ;ha: are selli~?~ ~~j~kholder~ a~id ih~ m:~i-uagii-ig ~!ndcr~vrirer(si. 11 

an!.. \\-it11 i-i'spcxi 10 the 1>~1si?li'ss of t1:c C'oi~tpart!. ar?d irs sr:,hsiclial-ics. aiiii ihe Shell' 

Registr:iiio~i Srarcinc~ll. pros]-tccti~s ;:ild docuri1if1it:. if an!.. ii:c:)i-pcratci! or dcemcd io be . . i~l(:~rgo~-:~tc~i k~), rclL*t-cl:ce d~erci~i. IF) c:x:ii cilsc. ii~ c:is~orii::t-! hr1i7. SL!~~SI;IIICY: a~~ci 5copc. 

and. i!'trlie. ~oniiriii rile snmc ii'and i?.Iici~ rcqucs~cii. (13) ~ise its I.c~~sc>I~L~~~c cffo~-ts ti) 

furnish lh;. tiiic!erv.riters \\-it11 opir:ii?ns oi'cot!nsc.l to the C.'ornp;in;,'. ailcirc.ssed :o the 

managing undcr\vriter(s). il'm:,., coi;ering the matxers ci~stomriril>' co\,ered in s~icii 

cjtinions reqilesred in undcrn.ritten ofi'crings. (C') tist its rcasonabic best efforts ro obtain 

"cold co!niiti-!.' le2c:-s from the indcpertdent cerriticci puhlic accountants of rile C?oinpa~~\. 

(uild. ii'I1cccssaqc. any other indcpeiicicrit ccrtificii public r~ccourtiarits oftin>. business 

acquired by ihe Company fbr \vllich i'inancial statements and iinancial datn arc includeci 

in the SIiell'Registrnriori Statenirr~tj who have certified the fi~:ancial ,irate:-ilertis iilcluded 

in srtch Shslf 1Cegistration Slats~~ent. addressed to each oi'tlle mat?agi~;g under.ivriter(,s). il' 

an;\., such li'tters to be in custorllan f'c)rrn and cc~\.ci.ing matters of-the rypc custc>maril!, . . CO\:C~CC! ill .'coI~i comfort'' lerrcrs. (1)) if':lri uiidcr\~:r~t;tlg agreemen; is entered inio. rile 

same shall contain indcinniiicaiiuri provisions a~:;l proccdul-cs cilstornary in undi.r\ii,rirte~i 

off;-]-ings (provided tl.lai the In\resl.or shall not bc ctbiigateci to pro\.idr :in). indenlnir! ). and 

(E) ilelivcr such docuinenis and ce~-jilicafes a5 ma> be reasonably re~~iics~eJ b\. the 

I-Inldcrs of a majority of the t<;.gistrablc Securities king sold in conneetior? thcre\.vii!?. 

tlleir counsel aid the managii~g under\vriter(s). ii'an:,.. io c\.idcncc tile conrinucii v:tiidity 

oirhit rcpresentalions and \va!~antizs made pursuant to clause (i) abo\,e and 10 evidence 

con1piia;xco \vitli any cilstomay conditions contairici;i in thc unclcriz.riri~?g agrccinent or 

orhcr agreement entered into by ihc Cornpan\-.. 

(xi ) hkiki. a\:ail:iblc lbr inspection b?. 3 reprcsen~ati.i,c oi'i-iolriers that 31-C: 

selling siockholdcrs. the iiiani~ging ~~i-iiier\+~-iter(s). ii'i:n\'. and ail! arrori1ej.s c>r 

accorlntanrs retained h:; sl.icli 1-1oIdc:rs or n~anaging u~.ider\i.ritcr(sj. ar rhe or'ficcs ivhere 

ni>rmall kept. during reasonable 5usiness liours, finailcis1 and otiier records, pcrrii~ent 

ci~ri)ora~c docuri~cnts and pro~iexies of the COI?:~II);. :liici C~LISC the oilicers, illrectcrrs and 

emplo!-ces ofrhc Company ro supply all infnr~~laiion in each case rcasnnribly requested 

(,ancl ofthe type cusro11-iariiy provicicd in con~iection u;ith iit~e diligence cclnilucted in 

connection with a regis~rreci public ofiring oi'securities) by any such represenlati\-e. 

managing under\\riter(sj. attorne). 01- accoitntailt in corulsction ~vitli siicl-i Sl~eli' 

Regisirarior~ Statement. 

jsii) I..rsc reasonable best efforts to causc all such 1iegistrabIe Secr:ririrs to be 

listctl on each natiolial sec~rrilies exchange 012 ivhich similar securities isstiec! by the 

coin par;^ are then listed or. ii'no sinlilar securi!ies issued by the Company arc illen iisrec! 

01.1 an;\, rxatiorlal securities exchange, use its reasonable bet efforts to caiise all stlch 
I<cgisrrahie Securities Ii.1 be iisted on silcl:. securirics crchangc as ~ile In\.csior- inki! 

d~sigilatc. 

. . (siii'! ii'rcijuesteil by l!cildcrs of a majol-i:y of thc Regii.ir;iblc Sccuriires hciijg . . rcgis~cl-cd ;ii:ii:or sold in i.oni1i.crion 11:rrs\j-ith, iir ii:? iz3artagirzg iindenvriier~si. i! an!,. 

pi-on~ptiy inclu~ic in a pri:ispectus s~ipl?lemrni 01- anzeniinies~t such iilSo:n?aiion as the 

I-iolders oi'a ~;~a.jorit!,- oi'ihi. iiegisirablc Seclirirics being rcgis!c~.cci anci,'ol- sciid in 

c~~iz~~cction t!ic'~?~:v~lh 01- ~~~al?:~zii?g ~!zdcr\~,.ritc~-(s). if my. inay r~as<lr!ahl>. KC~LIC~~ L)s<~~Y 

;~r!~~it ~ite inieziied ~~~tih~ii ofdis:ributic~~: c~l's~lcl~ sec~lrities ar~d ~iiake [III seq~iiscd 4- ' i~l~iigs oi'sacl~ ;~rospectus supplcn~ent 01- such irrnc.niinicl~r as soon as practicahii. aftcr ~hti 

('oinpa;iy htis recel~~etl such rcqaest. 

(sii3 Ti~i~c'ly pro\.iile to its ~~'~~ii-ity holders earning statc~izcnls;itisf\~in~ rhr . . j7i-o\, islons oi" .5i'ctii)ri 1 1 (a) oi't1:e Sccuritic~ Act and Xiulti 58 thereunder. 

(c./ f;;'i~s~i'l:sii?n ~f'SaIcs. L!por~ receipt ~Sivrjtleri notice fio~n the Company ililil a 

scgistration sla!enicnt, prospectus or l?rospcctus supplement contains or may contain ai? untrac 

stsltrncnt oi'a rtztl~crial Licr or o~itils or ins;, o~r~it to state a material fact r-ccluircd iit be stattiif 

rhcrcin or neccssai-y io rn~tlic the statements therein not misleading or 11?:tr ci rcumstailccs csisr 

lhat makc inaci\,is;ibie use oi'sucii registration statement. prospccttis or prcqcctus siippiement. 

tht Invosior 2nd each I-lolc!er of Iicgisirablc Securities shall f-hi-tlti~ith discontini~e ciisposition rji~ 

Registrable Securities i;iliil lilt lnvcsior ant1:'or I.loldcr has rcceivcd copies of a suppiemr11ii.d or 

amenciod prospi.cius or prospectus supplen?ent: or until tile I ix\,estor a;:d:'or siic11 FIolder is 

advised ill ixriting 1y ilic Company that the use oi'the prctspectus ;mi. if applicable. prospectus 

supplcnzc~lt in:i\- be resumed. ar?d, if so iiiructeii by the Co~npany, the Ili\'i's~or ;i~iii!oi. SLIC~ 

Iioldcr sir:lll cieli~.cr to rile Co~npai~y (at the Colzlp:~n~~'s esprnsi.) all copies. oti~erh:ln 

1x1-mane~it I'ilc copies lheii in the Investor and/or such klolder's possession. ofrhe prospectus 

and. ii'applicahlc.. i-iri>$pcctlls suppicmcizt coveri~ig sucl> Registrable Sw~irirics current ar the time 

of receipt of such oric ice. 'I'11e tot;tl nurnber of ila>rs that nn). such suspil.rision niay be in effect in 

:iny 12-11t~i:ih period ~ilail 11ot exceed 90 days. 

... (Ij i crminarioij of Ke~istration lii~1~ts. A Holdcr's regisirarion rights 3s 10 ;illy 

seciir-iiies 13elci t)!. SLICII I Ioider [and its Affiliates. partllers? ms~nbcl-s ancf i'omer rncnrbcrs) shaI1 

not be a-\,aii:ihic uii1t.s s~ich securities are Iiegistrabic Securirics. 

[i) %either- the Investor nor any Holder shall Lise any free \vriting prospectus 

ins citiiincd in Riilc 4115) in connectio~z \\,it11 the sale of Kegisti-able Securities itilliout the 

prior kvritlen consent of' rhc Company. 

(11) It sliall br a cc:nd~tioi: preccdcnt to the obl~gotions ni'the Connpanl io :ahu 

:ill> xtion pursuant IG Scction 4 5(d) tltd lniesior and/or iht. selling k1older.s and the 

under\\ iltt'rs. 11 anj. shall fiirii~sit to the Company siic1-i information segarti~ng 

thcmbeivcs. the Reg~~t~abie Securities hel~i b! them an3 tic intended mr:hod of 
! i) '17hi. f.'~i~;pai~? qrccs to indzrnnii). each I Ioiiicr 2nd. if2 H01di.i. is a 

~xr~~rl <>;her ri.!tai? ;in individ;i;li. sticil I folder's oificess, directors, t.mplo\-et.5. agerlts, 

re;~restnt:iriws and .4ffili;itrs. and each 1)erson. if'iii~y, that controls 3 f-io1de1- \-t-it!li!l tl~c 

~-i:cnniny of t11c Securiiics Acr (each, an "117ri~ii?i~i;i~?.-I. ~~gainsr an). and :ti! losses. claims. 

darn~igcs. acrioils. liilt?ilities. costs and cspenscs [including reasoi~abic fees, rsper1si.s an~i 

disbi!rscrnc~:is ofauorne>.s and oihu p1^oikssion3ls ir~cilrrscl in conilccsion ~i'ith . . iit~.cstig~it~i;g. iicll~lciiilg. scr:lii~g. compioniising or paying any SL~CII losses. ciainls. 

dsinagcs. actioiis. iiabiliiies, costs and expenses), joinr or se~-era], arising aut of or- bzscii 

tij3oi: an), untrue sti!tcrncrit alisgcci unlrve statc111t'nl of inareriaj fiicl conlaincc! in any 

rcgisrration stritemz1:i. inclullirlg all\ preliminar?, prospcctiis or Iil~al prospectus cvntaineii 

thcreiit ilIIy ;ti~~tnd~?lcnls or SL~~~ITIIICI~IS thel-eto or any ilocu~?it'nt~ incorporarcd tl?crcin 

h). rzf5rence or contained in any free v;riting prospectus (as such tcnn is defined ii; ilui~. 

405) prepared by the Company or au!horized bj. it ir-I writing for use by such I Ioldcr (or 

[in! anlendrnent or supplement thereto); or any omission to sme therein a illairrial f~ict 

rcqiiired io be stared therein or necessary ro make tile statements thcrcin. in iigllt of the 

circumstances liilder 1vhic11 tlzry were n~aile, iloi nlisleading; pi.ox.ideie:i. that the Company 

sl.la!! not be liable to snch Inderr-lnitee in any sucll case 10 thc sstent that any stici~ loss. 

claim. iiamilge, liability (or action oi procscili~-ig in respect thereof) or czpcnsc arises cur 

of or is based upon (A) rt:~ untrue statemeill or omission mad? in such iegisirntion 

stateincnt. il~lt~di~ig any such preliminary prospectus or iinal prospectiis contai~led 

thcrcin or {in:; such amendmcrrts or supplcincnts thereto or coneained in an) fice writing 

prospecitis ii!s ~1icf.1 term is deiinecl in Rule 105) prepiired by ihc Connpay or authorized 

by it in \+I-iring fi~r ilsc b) such 1-lclldcr (or any arncr~drnsnt or suppIeincnt thereto), in 

rciiancc upor, and in eol1fi)rrrlity with info~~ilation regarding such Incicmnixes or its plan 

of'distl.ib~itio11 or o\\!!~crsl~ip in~erests tvhich ivas li~rnisilcd i:l tvritirry ti: thc tonlpany by 

sue11 incfcmnitee fhr 1-ise in connection \>;it11 silcl: regis~ratio!~ starernont. including ;lily 

siich prclirnina~;; prospectus or final prospectus conmirleil thereir~ or an), such 

aniendrne~lrs or sitppien~snts 111erero. or (13) offers or sales ell'cctcd hgr or itr; bcholi'oi' 

SL:C~I Inciemniiez +'by means (of'' (as defined in Kulc 15!)-!\) ;I '.free ii,riting prospectus" (as 

drfincd in RLI!~ 105) that was nor au~horizcd in \r.~.iii~~g by the Co~np;in\-. 

(iii lfthc indtnmificarion provided ti3r in Sectiori 3.5(h)(,i) is unai.ailabie to :in 

Indelnniicc \i.ilh rrspcct ro an); losses, claims. dan~agcs, actions. liabilities. costs or 

espznses referred to therein or is ilisuilicienr to hcjld the indrmnitee har-n~less as 

conicmplatetl i t~crein. ihril the Cornpimy. in licu of i11dcmniij;ing sucls indcmnitee, shall 

contribure to tile amo~illt paid or- payable by sricl~ Indcrnnitec as a result of such losses, 

claims. ciamages. actions, liabilities, costs or expenses in silch proporrion as is appropritlte 

to rcflcct the relative tactlt of thc Indsmnirce. or1 tl-ic one hand. and the Company, on the 

other !?and. in connrctioil with the siaiements or olnissions iihich resulted in sue11 !osscs, 

claim. damages. aciions. liabilities. costs or cspcnses as u.i.11 as any othcr rclc\,ani 
cquirablc co~-isi:ii.rsrio:ts. l'ftc rciaii:,e i'liiili nl'the i.'anip:tny. iin t11c t?ne !1311i!. and oi'thc 

1iliii.mni:ec. 02 i!~ i)111i'1- h~inii, ~htill be de~erii:i~icci by ~-~i'crci~ce r:,. LiiTrctng uii?i.r i;ict~~.s. . , ckic~iii.~ ihc ui;lr-ue s~it~ciiicrtt oi'a rn::~crrli.i laci or oizlissior: to stare :I n?aicria! ijcr rel:iics . . . . In ii~li~rlnario:; s~ippiied by ihi' Con?pany or b!. the lndcntnitee anti rhc pariles i-i.ia~ii,c 

inlcrii. knc?\?.Itdgc. access to ii~iitr~nario!i ancl oppor-tunir! ro ci;rl-cci or prc\.<:1t suci? 

stali'rnent or omissiitn: thc C'o~~tp~iny ad each I-Lolber agree iiiar il \~ouiii nor he Jasr nnci 

cLjLlic..+i >ii !G li'c~~~~il.ibi~~iol~ PU~SLI~I~~ 10 this Sc'clioll -4.5(, h)(iif T+vcr~ dit~em~incci byjll-ii i-iiiii 

ailoc:iiictn 01- b). an:' otl:cr ~nctlioii ofallocatio~i that does nrrt ta'nc accotirll oi-rli~ it:ji~i!~hli. 

considrraticx? ri.i;.n.i.:i :o iri Secrion 4,5(hj(ii. No Indemnitec giiil!~. of l'r'raucluicnr 

misri.p~;.sciit~iti(~11 !\vithi~; ih~ mezning of'Scctictr1 I 1 ii) oi't1.1~ Securiiies -4cti ~1~~~13 be 

e~~ti~letl to ccintribuiior~ fiom the Co~?ipan\' if'thc i'iinipany xvas ;lor gttilt): 0i~cI1 

l'rnuiluler~i?iisr.cg:rrsentazjon. 

!i) tlssienrncitt of'lielrisrration Kim. The riglits oi'l1.1e In\,esror ru rcgisiraiioi-I oi' 

licgisirable Securities pursurtiit to Section -1.S(b) may be assigneci by the in\.cs~or to a ira!?sf'eree 

or assignee oI'I.lcgisimhle Securities \i.irh a liquidatiort preference or. in thc ciise of tile \'i'ai~iiiit, 

rhc liil~~idation preSercnce oftlte anderlyii~g s1:ari-s of %'arrant Preferred Stock. iio lcss ?ha11 an 

amount eyti;il to (i) /Y/h of thc initial aggregate liquidation preference of the Preferrcc': Shares ii' 

such initial sggrcgatc licl~lidatiori prekrertcc is less than S3 billio~i and (ii) S2OO miilioi? iI'rhi. 

initial aggregate iiqiiictation prckrsnce of the Preferred Shares is eqiial to or greater than S7 

billion: l?i.c~\>iiit~~!. iio\\ eibci.. the ~ranskror shitli. \vithin ti.11 c!:lys af cr such tr~insfcr. furnish ~o 111e 

Con~pany :iri?ten noiici. ofiiie name and address of sucli transScrec or assignee nrld Ihc. nriinbcr 

and t\ye ot'iiegisrr-able Sccuriiies thai a!-e being assigned. 

(j) Clcx I,larket. With respect to an! iindcr\vriiicn of'fzring of Rtigisrrahic Sccur-iiies 

b!. the Investor or or1li.r I-Ioldel-s pursuani lo this Scctiori 4.5. tile Company agrees not io i'ii:,'~i 

(othcr ~ilat; pui-suaiii ir? slich ~egistratioli or ~LITSLI~I.IC 10 ;i Slit'ciltl R.cpis~rati~nj any psblic saic or 

ciistribution. or to file 2111 Shelf Registrarion Statement (other hai it suclt regisrmliitn 01- ;i Spcc.i:il 

Regis1r:ition) coxring any preferred stock of tile Conipank or nnj' securities con\.c~-tiblc. into or 

cxc1i:rngeabic or c?:crcist:blc for prckrred stock OSS~C flc)lnpa~~>.. during the per-ioil nor LO i'~cei"ct 

ten days prior ~ir~ci $1 dabs ii11lo~l;irig tlte elt;'cti\;z. date of' such oi'hring or such Iong~.i period up 

ti) 90 iiaj s as may be rcc~uescd b>: !he rnanagiilg underwriter hr ~iniicr\~ritien offL'].i~~g. '1-11c 

C'c.nlpan1 ~ilso 3:recs it; C;ILI~C S:IC~ 0i.i~~ directors and scnior csecuti\;e itfiiccrs to execute ai~d 

ijelivcr ~~isi011ii11~ It!ck-i~? agreeitlents in such f rlx and for sucii time pcrictil lip to Oil da! s :is 

inrig' bc ri.ijciesicci bj ihr ~ilat~aging ~~nder\~~riter. .'S!xi.iL~l liegisirci~ioi?" ntcaits the registratio~l of 

(A) cqt!ity scciiritics and/or options (jr other rights in respect thel-col'snlel~~ rcgisicred on !-'orit1 S4 or- Foi-m S-8 (or .:uccessor hrl) or (Bj shares of equity szcurities i~ifdl~r optioi~s ol. 01111'1- righis 

in respect t1:creol'to be offereci 10 directors, mernbers ol~manageme~i~. emplo>-ees. corisulia~its. 

cuslonlers. Icnciers or \.endors of the Cornpan!; or Clon;panl. Sui?siclial.ies or in con~~ec~io~i ivith 

dividend rein\.cstment plans. 

(k) J<LII~ 1-43: 1<~11e 144A. \Vi~li a vie\\: to making a\.aiiable to the Investor a~lii 

I Iolders the benefits of certain rules artd regrllations oi'the SliC ~vhicli 111;3y jjcrlnii ihe s31e 0ft11i' 

Reglstrahlc Sect~riries io tile public withotit registration, the Company agrees to usc i~s 

reasonabtc best ei'f'ores lo: 
ii :I in:ike rincf keep pi~blic ii11;trmcirioit a\.;iilabl.c'. :IS tllosc re:-111s ;ire i~iiilcrsti~oil ' '> and iieined in Rule I44(c)( 1 ail!. sin:riar 01. anaiogoiis r:11e :,romulgared lindcr ihc 

Sccuritics Act. a1 all iimes ~ificr tlic Signir~g Datc: 

(ii j i.4; iilc \~;itli the SEC. in :i tiinely in:l1>ilCs, ;ill I-C~OI-~S ixix.1 mhcr dc>c~irrier~ts 

rec1~1i:ed i>f:i?e ~:o!II~:II:;$ uncier I?XC~LLII~;L* Act. ;111ij (BJ ifal :%I?>' lii~?~ th~ ~'i>!~?p:tl~)~ is 

1101 rcclii.ircci to file sire11 rcporis. ii~aki: available. lipon [!lc rcq1ici;t of ii11~. Iloldcr-. such 

inibrmaiio~; iieci'ss;ir:r to per~iiit sales ptir>uant to Ktil~. I -id;\ (incliriiing 111~ ii:!i~i-m:ltian 

~ii~iitd b? Ruic 113t?\(ci )j4) i111Jcr the $cciirities i4~i): 

(iii) so ioilg ;i.< the 1n;~csio:- (71. ;i 1ictiiii.r c,\sil:, ;111! Itr;gislr;i!?li. Scc~iriiies. 

i-i~~.iiish io ihc 11>vcstor c)r SLIC!~ f Eolcicr foril~~,i;iti~ LIOII reqi~cs~: 3 ivriiteii st~itcnie~~i b! the 

f:oml3an\ as io iis cc~mpliarice n.irh the rcpo~-tirlg rcqt~ireii oi' Kiiie 144 iini!es ihc 

Sccuriiics Acr. and oi'ihc Exchange Act: 2; cc!p;; of tile 11:osi 1.2~~ilt ;:ii.i1~1ai i)r (.]~~ai-teri!. 

report oi'thct Cornpan! : ;ind siich other reports a~iil dvc~lniz~~~s as the ii>\.~sii)r or I foidcr 

may reasoi~ably request in ai'ailing itself of an), rule or regi.ilarioi3 of~iitl SEC' aiiiin-in2 it 

to sell ;111y such szcriri~ics tit the public \sitliout registtarion; arid 

ti\.) take si~ch fiirther actioil as ;111> Iloldcr may rcaso~~abiy reclucsi. a11 to tiic 

extcrli reiluit-ed from iimc to iirne ro enabie sirch Holder ro si.11 Kegisir:tble Sccriritics 

\~irho~ir registration rrnder thc Securities .Act. 

(I j .)Is used i11 tllis Section 4.5. tile folioivil~g ter~rls siiiiil ha\e tlic Sbll~\~~~ing 

respccri t,e mear?iilgs: 

(i) '~iio1Oi.i~" Inealls tlir Invzsior atlil ilil>, other 11olJi.r of i?cgistrablc 

Sec:~rities ro 7vti:on~ the rcgisrrati::~~ rights co~i!l.~-rcii by ihis .?gi.ccrne:~t ha:,e been 

rmnsikrreci in coml>liai-icr \\..irh Section 4.5ih) liereoi'. 

(iii) "i'~egi.rici..'' '*i.t-'gi.\.le~.e~i" ard "rr<gix11-iiti(,17" sl~all rrikr lo a rcgiscraiion 

cffecre~i by preparing imci (A! Li1ii:g :I regisiralion statenlenl or arne~lc'imci~i thereto i11 

compliance wiih the Securities Act ailci app1ic:lble 1-i.11~~ and scgulations iheretirdei-. and 

tllr declaration or ordering oScft:cri\~i.ncss of such regis~ra!ian sta~emenr or ::ini"iicil:~zilt 

111crcro (3s !B; f;liry a 1.xospeciu: ar~d/or prclspectus supplcmet~t in icspecr of :in 

appropriate effcctivc registration statement on For-rn S-3. 

(iv) "iic~isir~ihie .S<;.Z!/-:I~L-'.).'' IlicitiIS (A) 31 I Prcfcrscd Shni-c s. (I3 j the U'arrar~t 

(silh.jrct lo Sectioi: 4.5(cl)) and (C'j any eqtiity securirirs issueii or issuahlz ciirecily or 

indirucrly tvith respect to the securities rckrrcd to in 11:c foregoing clauses (A) or (i3) by 

;vay of conversion. exercise or exchange tllereof. including tie Warrani Sharcs, or share 

divicienci or share split or in connection ivith a cort-rbination of shares. recapitalization. 

reciassification. i~~erger, ama!g~mation. arrangemeni. consolidaiion or other 
. .. reorgc~niznrion. /~!*cji,i&:i 111at. OIICC ~SSLIC~. SUCII se~~irities \t.ili 1101 be iii'~lsir;ii?ic 

Sccarilizs ishc.~? i ! [hi.\- arc. s01d pi;rsua:~t a11 i'fj;'cti\.i' regis1r;itioii St;iicnli'ili :indcr flic . . Scci~ritics Acr. (2; tzctpt as ~XO~;IL~W! beli?\i ili Seerion .4.'(p), il!~). iiia! hc sold p:irsanr>t 

it] I<L!Ic 144 L~, i~hu~it Ii~??ikai~~n il~crc;~~~dcr oi; \.OILI~IC or inanrler of' sale. i .3 ) :!ic;: sl:dl >. hi~i-t ct:isi.d r:? 1:c oursrandii?g or (4) 1112). h;iyir bi.e:l solit i:! a pri\,t:tc rrans:iction in ~t-nich 

il-ic. rrar~sfcror's righis ~~liiic~. !his :lgrcen~ent ar? 1101 assigned to [hi: rrtinsfk!.cc o;'iiii. 

src~rrirics. No lirgistr-abii. Sec~il-ities Inay hi: rcgiskercci ~ii?iii.r more ii;an i?r~i. registration 

sl;~!ziilc'nt at SII~ 0111' lime. 

(1 *'R~;g~li.si).:;!icji~ Ei:pcii.i.t'.~" trier-in iili cspcnscs incurred t>>, the C'011:p3ii> i~i 

rsl'l2ciiiig an!. rcgistra~ion pursuan~ lit rhis ."i~rccmi.nt {it-hcth~r o- rloi an) regisiration or 

prospectus bi).co~:ics ef'fciii\,e or I;nal) c.)r otl-ier\visc complying ii.ir11 irs cjbligations i1i1iit.r 

this Scsriol; 4.5. inc1tldil;g all rtgistration, filing and listing fces. printing zxpenses. it-es 

anti itisbursc'n~rnrs oi'co~insel br the Coll~pi~r;y. bliti: sk!' fees and cspci~ses. cspcnses 

incurrect in conl.iection n.itli any -'road shot\.". the rerisonablc fees and disbtirsemcnrs ol' 

Hoidcrs' Co~tnscl. a~?d espcnses ofthe C'ornptin!.'~ indepei~dcnr ;iccountanis in 

connection ;:,iih ail!- regiilar or special rcvie~vs or 2.ilciirs incidi.:it to or r;lquir-ed 1=. any 

SLICII 1.i.pistratii;n. bill s11;~Il ilot include Selling Expenses. 

(\ I j "iZuit. ii 4". "Xltle 124.1". "Rrtit. iS9,d". "Rlrie 105" anti '*Rz//e 41.7" mean. 

in each cnsc, such rrlle prom~.ilg~~d uner rhc Scci~sit~c~ Act (or an! srlccessor pro\ ision). 

as the s2111e shall he ameniieci fioin tirnc to tirnc 

(i ".S~~/iiii~~ :Ii-'~]~rnses'' mcan ;dl Jisciiii~~lrs.elling con~missio:~~ and stocli 

rr;insl>r taxes appiicabic io ~hc saic of Rcgistrablc Securities and ikcs and disbarscr?icnts 

oi'zoi1nsi.1 Sor ~1115, Holder (orI1i.r than rile ikes a1:d disburscmenrs off-4oolds1-s' Counsel 

incli~dciin Rcgistratii~n I'xpc~~scs]. 

(i~i) Ar 311). iilllc, iiny i~oldcr of Se~ui-itics ji11~1~di1ig 311y f iold~s) 111ay elect ro l'orkil 

its I-igl~is sc; fi11~i-i iilihis Section 4.5 fton~ tl~ar date jbr\~':ird: pro:'i~!~(i. i.1131 a tiolder fbrfeiiing 

si~ch rights shall r-i;onrtl:eless be cntiticd to participate tlrlder Si'ctio~i 4..S(b)(i\.) - (vi) in any 

I'cnding t'ndcr\:rirrer: Cii'i'rriilg io [he same esieni tilat such I-loldcr M-OLI~~ ha\:c been eririticd to 

if tile l~olclcr had not \\:itliiira\\;n: 2nd pi.o~.ic!~:d.,fl~~.[i~~.,~., tllitt 110 siicll fi,rf>iture sha!I ~enniriate a

1 iolcfer's rights or obiigations ilndcr Scctio!? 3.5(,g) ~,i:irh respect to r!!ly prior registration or 

Pe~lding [..'~Ic~~s\\:u~I~cI~ (jffcril~g. ..Pki~di~?g ?.,'i?~/e~-it~~~ii~e~7 <?$ir!izg " means, jvi111 respect 10 any 

i Iolilcr ii~rf.eiting its rights pLirSLi:iiiI li> this Section 4.5irn). arty iindcll;\ritten offering of 

Kegistrsl~lc Scciir-itics in which siich I loldcl. 112s ad\.iscd the Clon~pany of ils inie111 lo regisrer its 

Rczisrri~bli. Securities eithcr pursuant to Seelion J.S(h)(ii jor 1.5(b)(ivj prior to the date of such 

I-loliicr's lbr-ikirai-e. 

(I) Succiiic Pcrl'ormancc I he partics hcrcto cicknonizdgz that tkcte \\ouIc! be no 

adrqu,ite ~urllcdj nr !a\\ 1rtile Contpdn) fails to perform ail) of irs ob!lg;~tlons urliler lhts Scctlon 

4 5 atxi that the In\cstor and the Ilolders +om tirue to time maj be irrepala'ntq harmed bq an: 

~IIL~ f:l~!ure. :Inti ~ccorciinglj ;igrrc: that the In~,cst,~r ar?d such I Ioldcrs, iii rtdcli~lon to an oii1i.r 

rcmed~ to \iliich the) ma? be entitled at la\\ o~ In cqalt). to the fullest evccilt prrmittzd and 
i.~il'o!-ceahlc il~iiic'r applicable laxi- sliail bc. i"~?~iticd ti? con;pi.l spcci5c i?cl-i'ctn:~ancc of rhe 

oi?ligations c.if'~hc (:or-rtpun-y i~~~der this Scctioii 4.5 in accordance \viib 1!12 resins :i~;d oitnditinns 

ui.tliis S~.ctiofi 4.5. 

, . . (oj KC) I~ico~~sistcnr !2crret:i:1i'i1t'i. I'hc (.'itn?pau;: shall no:. on or ai'icr the h~gr~ing 

1 ~IIL;. cnxr IIIW 21r1)' ;~gyc~:?lc~?i L$ it11 respect to its scci~rities tl3at III~I!, iii1pai1- :lie rigl~[s -1 ~1 .8zr <,,~~e<i 1i1 

iki~ 1111 cstor a~iii the j-it)!~le~-s tirider tliis Secti~~ii 4.5 or t11ai ot11crvx.i~~ ccmllicts ~~.i:t: d?e provisi(111s 

hcrc~i'ili an!. n?anncr that may impair the rights granted iil [hi. In~.i)sror :mil ihc f iolcfcrs iii1iii.r 

tliis Sccticir: -4.5. Iii the e\,ent ihc Ciir?ipzi1!, h;is. prior IG the Sig11iiig Flare. entered ir1i.o ail). 

agrcc~~-icIlt 11, iili respect 10 its securities tlxi~ is i~lco~;sis~i.n~ \\it11 {he rishts gr:~~~icd 112 tl~c i~?i,cstor 

;!lid rile I-lol~1i.r~ :indci his Scction 4.5 (includiilg a~i-eei~~cnts chat :ire illcoil~i:ii'~lt \+ iih il~r orticr 

of priorit!. conrernpiaieii b!. Secrion 4,5(b)i vi)) 01- thai 111a!- otIics\~:is~ ~~>lifli~i \L it11 tilt ?rg~,.i~i~ii~ 

h~rc~i'. theCompany sha!! use its reason~ible best effo'orts to anlend such agreements to ensar-c 

thr!. ;KC COIIS~S~C'I~~ \~ii!l the provisions of this Section 4.5. 

(p) Qrtain Oi3erirxs hv the Inveslor. In the case of an!; sccaritics heid by tile 

Investor tlxt cease io bc Iizgisirable Securities solely bq, ~.casc;i: of clause (21 in the definition of 

"Registrable Seciiri~ics." the provisiorls of Scctions 4.5ib)(ii ). ciai~scs (i\.). iis) arid (XI-isii j oi' 

5cctioii 4.5id). Section 4.5(h) and Scciin;~ 4.50) shall conriiiur ro apply 111.rti1 such sectlrities 

o~iicr~visc i'c'asc iO be Rcgistral~le Securities. In an!< such case. an "underwritten" ol'ibri~xg or 

ariier dispctsition shall include any disrribntion of'si~ch secusities on belialfoi" the I~~\.cstor byone 

or n~orc brokcr-dcaicrs. ;in "underv~~riting agreement" siiail incliiric any purchase agreclnent 

entered into hy sucl~ brokier-dei!lers, ad an?, --registrarion S~~IZIT~L"I~(" or "JT)~OS~CC~IIS" shal! 

inclutii. any offering docil~nel?t apl?l-o~:ed b!.the C'ompan! and used in coil~ieczict~i wit11 sucli 

iiisiriburion. 

icl j Iiec-listcre~~rs of ihe iV;tl~:111. 'l'iie IH~ldcrs agrec io scli the Warrani or any 

~:or-~ion rhi.st.oi'~iniicr tli~ Shelf itcgistration Starclnenr only beginning ii) da;, s 31':;~: notiij:il~g the 

Citmpan?; oi'a~iy such s~ile, during \vhich ?C)-dn?. period tfic Investor and all I-Ioldcrs of thc 

Wnrrant shall take rrasorlablc steps to agri'c to revisions to tllr lVarrarit lo !~c'rmit a p~~bli~ 

distrib~ition oi'thi. St'iirranl. including i.nteri~:g into a warrant agi.ccnicnr artd ;~ppoii~ting a Lvarrani 

agcnt. 

6 J>cpositarv Sh~~rcs. L:por: reqiiest by the Investor a1 any tii~ie i'ollowing thc 

(:losing Ilate. illc Conipai~y sllall prornptiy enter inio a depc)sitar!. arr:inge~neni. pursuant to 

ciistomiiry agreements rcnsonably satisfactor) io ;hi. Ii~vcstor and \\:irll a dcposita~y reasonablj. 

:icccprabii. to the ln~~estor. p~irsua~ii io ~hich the Preferred Shares or the L-c'srrant Shares may be 

depcxi~ed aiici depositary shares, tach represcrtti~ig a fraction of a !"rcfer~-td Share or Warrarlr 

Share. as applizahie. as specifieii by the ln\~estor. may bc iss~icd. Fro11 and after rhe csecu~ion of' 

an! such iiepositiil? ci~-rangemer~r. and t1x cieposit i;f any PI-eiirred Shares or W~IT~III Share:. :js 

:tpplicablc. pi1rsualit ihc~to. the dzposiiar): shares issued pursilani 111cri.iu sliall be deci~~cd ".I>. ,:-., ~ci~rreii Shares". *'U'arrar?i Shares" and. iis rippiicable, "Rcgistrabl Securities" fix purposes of 

i!lis !'rgrccmel?t. 

ihan (ij rcdcrnprions. purchases or other acqiiisiricii~s oi'ti~c i'rei>rrcii S11arc.s ar:ci Il':ir:-mi Shares, 

(iil ill coni?ecriitn \iiili the ;iii~i:irlistr:i;io!? t)i';in~. CII?~JC)).ZC t7cil~51 plan in [he c~!.iiiixir\ course vi' 

b~isiilcss 2nd consistent \i.ith p:st praclic:. (iii) the ncqi~isi~iiin b> the C'oi~ipcin! LII- an>. ili'tlli. 

Coinpan!. Siibsijiiii-ics ol'rccord on.~~i;.rship in J~rniot- Stc>cl\ oi. T'ai-it). Sr~tcl; ibr [hi. bei!i:tizia! 

o\\-!icrshii~ of 3:1>' other ~~XSOTIS (i>ilier ~l?;ir~lie (.'c~mprtng or 2ny o~hcr C'ornp;ll~> S~.!bsidiary:!. 

incluc~iiy as tri!siccs or ~~i~t~~iii~il~~ (,i\ j tile :xch~lii.ge or co:i\i'r-~ioi! i)f J~iliiir Si~ck hi- i!lm 

o!iltr Junior Stock or ol' Parity S~c!ck or trust preki-red sect1ri:ies fix isr into oih~;. Par-i~;,- Swck 

(~i.ith tlic sair:cb or !t'sser aggregate liqtlida~icln smotii~i) or Jwicjr Siock. ill each case set ibl-111 ir: 

this clause (ii-1. sii!el? :i) th~ exrcni required pursua!~t tci bindin: coniraclli~i agreeinenis enierec! 

inlo xio or to ~hc Signing Ilare or any s~ibsec~uent :$k!rceIileni iiv 111~ accclcr3tt':i exercise. 

settlcnicnr or cschangc thereof ii~r Common Siock (clau~es iii) a11J (iii). collci.~i~s!!~. rhe 

"feri~~iiietiK(ip~i~~:~l~il.sr.fl. I c'i t.edi.n?p!ioris oi'sec:iriiics hclti h, rl;~ C.'cinlpany nr rrn)- :t.ho!l> - 

o\i,tleci C;on~pan!. Snbsidia~y i\r (1.i) redcniptions. l~.irch:ises ~r OI~CI- ;icq~ii~i~i~)i)~ (:ifc;ipil;il iwck 

or other equity securities of an!. kiilii of on! (~'ornpai~!, Suhsidiar~. rrcluii-cd pursuant to i>i~?ding 

i'011~ractiiill agreemenis eiitcred into prior LO No\.rmber 17. 200%. 

(d) Liniil sucli timi. as tile Investor CC~SCS Ir) o\~ii any I'ickr;-cii Slirircs oi- Ii'ai-rant 

Shares. the i'onlp;my sil;iii not rcpurchasc any Prckr-red Sharcs or II'al-rant Shares fi-r;ni a:i!.' 

holder thcreoi: tvhcrher by means of oprrl nlarhe: purchase. iicgotin~cd transaction. or othcrtiise. 

otilc~ than Permitted Rcpurohascs, iiniess it otll.rs ia I-cpurchasc. a ratable portion oi'tl?c i'rcfcrred 

Sharcs or Warrank Shares. as ilic case may be. ihcn held by the Investor 011 thc same iel-ms and 

contiitions. 

(e) Iluring tile pcrioc! beginning on ihc teilih aiini\;erssr>- (IS tltc Closirlg and enciiiig 

i>r> ;he itate oil \i.hich aIi of ihc Preferred SI~ares iillii iV;trrnnr Sliares ha\;c bccn reiieerncd in 

~vhole or the Invrs~or has transfkrrecl ;.,I1 of the I)r~lGi-reci Shares and M.'arran~ Slmr-cs ro third 

lx~~ies which arc nor At'fiiiaics of rhc il~t~est~r. 11i'iihcr :I-I~ C'or~ipan) not. all! Cctl;ip~n). 

Stibsiiiiarj sllali. \:,iihoi~t ii?e co~~sclit oi'tllc Tn~~"sior, (Ij cicc1;irc' or pay 3r1y iliviiic~i:i or ~iiak~ a~i~. 

distribuiior~ on capital stock or o1he1. cquiil. si'curitlrs of any kin(! of the C'ompan>. ill. an. 

Cor~lpany Subsiciiar)': or {ii) redeem. purciiasu or acquire an!. s11arc.s. o!'i:ornmon Stock oi- t)thcr 

capital ~stocli or othcr cquily securiiics of an!. kind :jf' the Company or any Co~npany Subsidiary. 

or an). trlist prekrrcd securiiios issued by the Cornpan! or 311). Afiiiia~t' i>I'ihi' C(1111piiily. u!h~r 

than (.:'t) re~icn~pii~~is. ptirchiises or other acquisitions of the Prci;ti-reci Shares and Warrani 

Sharts. (L3) regular cii\-idends on shal-es ~rfprefirrccl stock ill aci:orciance ic'ith ti~e ti.rn?s :hcri.c~i' 

and \ihich arc pem~itted under rhc ~crtns of the Prcfei-rcd Shares an3 tl~e Wan-a11t Sliii!~~. or(C') 

cliciilrntls or ilistrib~itions by ii1.1). 1i;hol1y-oi\.ncd C'on~pang. Suhsitiiar).. 

(I) '..J1it7j0i. Sio(.l( '' nlcalis Coi~imon Sioi'li il~i~i i"iily i>tlic'r class 01- SCI-~ZS ~f ~10i.k i)i' ~IIZ 

Coilipany !he LC~II~S oi'\vhicI~ expressly pro\*jde tllai it ranks jurlior lo the Preferred Sliares as to 

dii-itiend riglits and/or as to riglits on liquidation. dissolution or \si~:Jii;g LIP oi'ihe C'ompany. 

"P~n.lly ST#&" mczns ally class or series of siock of rile Coinpany the ternis of~vkich do not 

expressly provicie that sucli class or series will rank senior orI~inior to the 1'refcrri.d Shares as io 

diviiiend rigi~rs andior as io riglirs or1 liquiciation. dissolutio~i or ~vinding up oftlie Clon~parly (in 

each case ~vitl~oili regard to ~vhelf~cr divideilds ~CCI-~e curnulari\;eiy or !i~>~~-~~li~~~l~~it~~l\'j. 
4.8 EX.CCU~~.\,C C<)i;1\>~i1~~itic>1;, L.;il~ii SUCII :iii~< :IS the 11l~~sior ccitscj ti) c;\\ 11 ~ii;j debt 

os cqlrir\. sectiritics of'the C'r?nll?an!' ;icqiiired p~i:siia-;t i(? illis .L,grri'~llc~i~ or IIX \'\'arr-:in~. :hi. 

C'nmj?an) shall 1341. dl ncccs.;ar> actioil ti! ellsure :)iiil its L3encfir Plans \\.it11 respcci lo it> Scr~ioi. 

I-;?; ~~~iii~:c . -. Oi'iYcers i:o!:,ipi~ il; 211 respecis it.i~i1 Sxii011 1 I I (b) ot.t!~c EES:i as ~~~~pIcri~cn::~i ,. b>, 

<~~:-,j ilii:i..~c I,-..> rcgt~ii~(ini~ iI~csei~i?dc~- ll-:ii[ /l;is been issued 2nd is in el'kcl :is oi'tllr Closing, Ilaic. 

2nd shall noi :ii!op: :in\. ric\i Dcncfii I'la11 i.\..itii rcsi?ecI ti) irs Sri1ik)r l<xi'curivc (jilizc!-s thrii 402s 

iiot conlplj rlirr.e\i-irli. -'Sc;i?irii. /..':-t~i:ii~ii.~' O.$;L~~I.,\,'' nlcans tile C'ompan>'s "senior cs~~~itii.? . - ofriceis" r!s Jc.iincd in suhscc:iijn 1 I I (b!i 3 ) oj*iiic IjF-S.4 ;iiilci r.cgt11alioil< issricd ~l~~.rcur:di.r. 

i!~cli~~ii:~g tt~c r~lles se~ forth ill 1 C. !:.I<. Pari 30. 

7. ' 'i iZCiatrfti 1'91.i\ l~r:!~~s;~ction~. Li'nlil such ti~nr ;is the In\.i'stor' ci':iscs to o\in ail). 

i'iirchrisei! Sccuritics iv M'arrn~rr Shares. ill~ Cor-i~pan: and the C'ompanj Su5sidiar.i~~ 5iiaii ni>? 

cnzcr. illto transao~ions \.\.it11 :ii'iiliatcs or ~.~'la~cii persons (L: ifi~ir;: !he mea~ling of Itern 404 i111dcr 

~iic Si-:C"s Rcguiation 5°K) ~~iliess (i) s~1cI-1 ~ra11sxlii)ils arc (-111 1er111s 110 less fi~vorablz to I!I~ 

C'itlfip;iny and rl?c Company Silhsiiliarii-s than coilld be obrained from an unaffj!iiated third part?.. 

anti (ii) ha\,e hceii appro\,cJ b), the audir cornmince ofthe Board of I>irectors or comparab!c 

bod!. of iriiicpei~dci;~ iiircctors ofthi. Cornpan\.. 

4.10 HanI< lirlci 'i'l~riii 1-loldin~,Cc~n~inan\: Slatus. if rhe Cottlpaiiy i:; a f3ank i lotding 

i'ornp:i:lny or a S;i;.ings anci Loan I-loiding Company on thc Signing lJate, then the Company shall 

maintain iis sta~us :is :) ikinl; l iiflilil~g Company or Sa\!ings and I.oan I-lolding C:otilp,~i~>. txs rhc 

casc may bc. l-?>r. as iorig 2s llle 11-!\.csior c?wns :in. I%ircltascii Securities or %;an-ant Sl~al-cs. ?lie 

C'o111!,:111j s11;lil rccici.1;; ail I'iirci~ascit Secul-iiies and Wurrai~t Shares hcid by the Itivesro; prior to 

ti-rminnting its s1;irus as a I3anl; t i~l~ii~lg C'ompaily or Su\.il:igs anti I.oan Ilolding C,'ompar:).. as 

3pplicabii.. -'i!ciii/; llri/r!'iii;< C'ci~ii/jrrt<\, " slirans a conlpany rcgis~ered as such \virh thc 13oar~l oi' ..~ Cio\.er-nors 01' ihc I:eiir:,ai i<i~sci-\.e System (the *-l,i.{/i./.iii Rc.cc7i.i.r ) pursuant to 11 1.I.S.C'. $1842 

:init ihe regi~l;ltio~ls uf the E-edcrai Rcser\lc PI.OIIILII~;IIL'C~ thereiiniicr. "Sln-ing.c ii,~c! Loi:i: I!o!c!ii~g 

C:'c)!ilpl/i~" metins a conlpitny registcrcd as suc11 rvith the Ofice of'l'hrift Supei-vjsioi! pLlrsl.:ar>t to 

12 I1.S.C. 3 146713) 2nd tlii: regi~lations (il'ttie Ofiicc oSThrift Superi!ision piomuigatcd 

t!~i"reuniicr. 

4.1 ! &::~ji>~l~i;~a~;tl\; i.'iiinnc&. For as iong as ihc In\:csior- owns ail) 1~~1sci-1asi"d 

Scctrrities or. \Vnrr;~ni Siales. the Coinpan\:. io the cs~enr it is !lot itseli'an insi~red depoiror?, 

it~siitution. agrecs to remain pt-eiio~ni~lantl! cngnged in !inailcia! aclivities. A company is 

~.?r~'doilli::~~>ii>, ei~gascd iil linancial acti\.ities if the ani~ual gtnss I-L'VC1711eS derived bq the 

cor1:p:tii). and 311 subsiiiiaries oi'lilc comI-ia!ly (escludiitg scvenues derived fl-0111 s\lhsidia~:>, 

iicposirory institurioiis). 011 a co~isolidatcd basis. fro13 cilgagiilg in acti\.itics tllat arc financial in 

nature or tire ii~cidtiiraic a financiiii :ictiviiy undcr subseo~ion (k) of Section 4 of the 13anic 

I loldii~g Cornpan!. .4ct oi' 1956 ( 12 i.1.S.C'. 1843(kj j represeni :it least 85 perccnt of the 

con;olidatcd annual gi-i)ss rc\~e~~ues i?f'xhe compai~y. 

5 ! ! crn;lnJiior1 ?'Ilis Agrcemcnt inaj be rern:;~r!airif ai an) rime pr:os to rlrc Closing: 
iai b! cirl~cr the Ini~iss:(~i- or i1:e Coinpan! if tiiz C'Io~iri~ siiali nctl ha\-c occurrcii - ,,I- the -?()' ' c;I/c!~~~I: d::> fi>1lc)\i iag the sig!~i~~g [LIIC: /?I.OV;~~(/'. ~'?OII.<J\,CJ/.. ti~;it ill ~1~2 c\.cIiT il:~ 

Closit~g 1x1s r:ot occurr~ii by stlcll 30''' calcndar iizy. the parries \:ill consr!lt i!l goo:i i:itilij 

dt.ti~~:lir;e \xiielilel- ~i> ~~teiid rht. trrii; oiihis /\grcerncnt, it being a11derstoc)ti rha~ the pariic.: shaii . . be rccluireci it) corisuit mi!. until the iilili day aiiei such 30": c;ilenilr:r ck:? :!nd not he ii~~cier aI;!.

c?biigariioi: to cxti'i:d the wr:n of this :lgrec!~ient thcrcalier; (~i-o\.iii~d, jitrihcr.. that the right t~: 

lcrmi;latc lliis .4grccnicnt i~ncicr this 5zctiori 5. I (:I shall ria: be ~i\~ailnl?lc ro itii! par-I:, i\.ii.osr 

i,ri.acll 0!'2iiy ~.~prt.~e:?ii:lirjn or \i.ai~~iitq or- Sail~~rc lo perfor-111 rin> oh1ig:ition uniic~ this 

i"igrecmi.11: sI>aiI iiri\,c causeci or resuited i11 ttic i;iili~~-c ofthe CIIOSII!~ 10 OCCLI~ i)ri or prior to such 

ciatc; 

(b) h- t.itIlei. thc in\.cstor os t11~ Company ill tlic e\.t'~lt thii~ ;+TI>. G0\1;~11illt.i1iiii jliltiiy 

si>;ill hi:\;e issiied an ordcr. decree or ri~ling or taken any otlier action res?rairiing, enjoining or 

ottlcr\\.isc prohibitiiig ~Lze ira!isactions coi~remplateti by this Xgrecment and such ctrder-. decree. 

ruling or other aclion sin11 11;ii.e become iinal and nonappealai>Ic: 01- 

(c) 11~ the muti!;il written consttr~t of'the in\~esrol. a!ld 1!1e C'ornpany 

111 ihc evcilt ~f'ic~-rliiilatioii of ibis Agrccitient as ~;ro\.icied in this Section 5.1. this Agrsen?enr 

shall ii)rth\viil~ bccoinc voici arlcl there shaii be rio 1iabilii.i. on tile pit^-t of cither ];arty hereto 

tszcpr rii:11 iiorhiiig hcrciit shall relieve either par^! from liability ibr- any breach ofthis 

(?grcei-ilen!. 

-, 2.1 Survivai of Reprcsenla~ions and Ll'arranties. .r\ll covenants and agreements, other 

than those \,vhici'i by [heir terrns apply in v,,holc or in part ~~fier the C'iosing. sh:ill tei-rninarz as of 

the Closing. 'I'hc rcj~r~sc~i~iitio~~~ and ~varranlies of thc Contpany niaciz herein or in an!, 

ccrriiicates dr!i\-ered in conr~cction n-ith rhs Closir~g sl~a!! ~tlr\:i~ii' t!~ C'losing \,x2itiml!! 1iniirarioi-i. 

5.3 ilnicr~drnent. No a~nendinent ot'a11y ~?rovisioii ofiilis Agreeii~eii? n,ill bc effective 

un1c.s~ ili:itic iir ti-riiing and sig.nect b>, 311 of'iicer- or n duly au~horizcd represi.1:tative ol'cnch party: 

j:ru\.itiuc! that the Irivestor may itniluterailq amcnci any pro\.ision i;f this .-2grecment to thc cxtcrlt 

recjui~.eci ro coin pi^‘ \i.iih an>, chnr1ges alter ih~ Signing Date iri applicable fi-deral statures. So 

fai!ure or delay 17~. an>- 1;srty in erer-cising any rigl~r. poiva- or privilege hereunder sh;iII oper-atr 

as a \~-ai\vr thcrcofnor sltall any si~iglc or parti31 escrcise thereof'prcciudc any otller or iiil-ther 

escr-cise of any otlicr right. poii'i'r 01- privilege. '1'11~ rigli~s ancl i-enlctlics herein provideci silall he 

camt~la!ivc of say rights or rcmcdies pro\:iiiccl b>r I:>\\:. 

5.4 L$'ai\,cr cti'C'o~iditii?t~s, The coilciitioi~s to ttacii p:ir-t\r's obligation to cc,iisun.lmaic 

ekc I'tl~-cha.sc: arc fc)r tile solc bcncfir oi'siicl~ party aid may bc ivniveti b>- sucil p3r~ in v:l.ioic or 

ill par1 to the es~rlii ~~errliilii'ci bj, applicable law. No i\-ai\w n ill be el'fcczi\-e i~nless ii is in ii 

i~ritirig signed by a dul~. authorized oficcr of'ihe \vai~.ing party tlia: makes express ri_.ference to 

rhc procision 01- provisions subject 10 such ii.ai\.cr. 

5.5 Goverrmi~tf: L,aw: Subnaissisn to ,Furisdiction, Etc. This iagrcenlerlt nil! be 

go.i'er-ned Lta and cornstrktecf in accordance with the federal law of the Gaited States if and to 
the extent such ia.p.i is :appIicahiie, armd otlrer-vftsisc in accosd;tilcc ~ittl nltt. Ialis of the Statc ttf 

hcw h ork appiicabic to crtratrrlctr nlade :tnd to be performed entircl! britlzir~ ruch State. 

Fact1 of the parties Bmereto agrees (s) to suhrnit to tltc cxclusit e juristlietion :~nd ier-nur ibf the 

t nitecii St;tter Ilistr-ice C'ourt f(3r tt~e District of tolumt>ia and the Ci~itc'd States e'our% of 

Fdcral CIaiiajs for :ln> and all ci\ il actiomr, suits or proceedings arising oui of or rciuting 

80 this .Agreement or the i\17asr.arat or the transactio~ls contemplated hereby os- thcrcbj, and 

(b) that notice ma) be sened upon fi) the Compitnj at the address and in the manner tct 

forth for notices to the Cornpan? in Section 5.6 arid (ii) the 1nr.i cstor in accordance .r~ Bfil 

fedcr:il hi. 'k'o BIae extent pcrn2if Ceci by tapplicabfe law, each of the parties hereto hereha 

unconcfilic;n:ill? vaives trial h) juf-j, in an! ci\ E! Sega? action 01- proceeding reEating to ttri.; 

.-igrcemcmt or- the $%'arrant (43. the transac?ions cuntempliitec$ iaerebj or thereb?. 

-. 5 6 Noiices. ..\II!, ilolice. request. instruc~ion or otliei- docut~ici~t lo 1-w given I?cri~ur~cier 

tty arry party to tlic o111cr ill bc in v-riling and ~r'ill he ciecmcd to hct\,c bccn dul). gi\:cn i;i) on the 

date ctf'iieli\.erq- il'deiivereti persoii::Ily. or by facsiniiie, upon conilrmatiori oi'receipr. or (bl on 

the seconii hr~siness day f~il~~~ing thc date of dispatch iScleli\.cri.d by a rccognizcd next da!, 

colnicr scrizice. Ali no-rices to rhe Company shall be delivcrcd as set f01-ti1 in Sc1:cdulc A. or 

pursuar~t to such other i~~srrucrion ns 11iay hc clesignatild in a-riling by the Company to the 

T~luzstor. Ali notices to tile Ir~vcstor. st~all bz tleli~ ered as set l;)~-th belou.. or pursuanr to such 

other instructions 3s 11:ay be dcsignarcd in writing by the Invesior to [lie Compnrl~.. 

I.irliteil States I>t.partmcnt ol'thc pfr-easa!-!* 

15T)C! f'ennsylvania il~~entic. NU'. Ruon! 13 12 

~~'ashington. D.C. 20220 

h:t~n:ic;i~: Assislan: Ger~cnil C.'~ii!isci (kii~liifig :ind I-'i~aiici) 

I;'acsirniie: (202) 622-1 974 

ja.) LY'ilcn a refl.icr:ce is made in this ilgreement to :i subsidialy ofa person, rhc rtrin 

"suh.sitiicri:i." n~cans any corporation. pnrtnership. jctirlt vtti1ttlr.e: iiniited liabilit? con~paii\, (71- other 

entity (1) ol'wliicl~ such person or a subsiciiar>, of stlch person is a geilaal partner 01. i\.j of' which 

3 i~~zijt\r-ity oi'tlie :.oring sccui-ilics or oliier voting interests. or. a inajori~y oi'tl~c sitcririiics u:. otI:c,iinterests of\?-llich ha\,ing b!, rheir lerms orciinar? \.:oting poii:cr to ciect a ~xiajority of t11c bcia~d of 

ciirectors or persons performing sinii!ar iilnctions with rcspcct to si~ch el~ri-i\*. is dirccti!' or 

iiiciirrct!y (31-ne3 11y such person ai~dior one or niol-c subsiiliarics thereof., 

i b,) 'I'l~c rcrm '-.-(Oi/;i~ir'' i-r;cans. uith respect ~o any person. any person dircciiy or 

indirecti)i controlling, controilctd by or under conimon control with, such other person. For 

purposes of tlris definition, "cuH~I.~~" (inclutiing, with correia~i\:e meanings, the terlns "'ccii?!~tiiieri 

Ig'" :lnd "1ii7(i'o~- c'o/~I~Iu~~ ~01711.0i il'jill") \vflen used with respect to any person, means the 

posst.ssion. direct!? or ii~(lirecfIq:, of tile po\vcr to cause the direclion of mar~agcmunt and.'or 
policii's ~I'LLIZII person. \vhcthsr ~i~rougli 1l?c o\? i~ership ~i'\~c,iirlg bi'ci~riiii..; hy i:jnir:ici or 

ol~ler\visc. 

, ? ic) Ihc ri'r!ns "ki70i!,/ccige c<j'iht. i'o??~pini.\". or "(.'ii,vij~u~;;~ .T .~~:i!,!';d!r;.~," ixtail; tile 

iic1iiai ki?o\t.l~iige aiier r-c,iisonabic ani! due inii~iir~. of 11?i. '+r![ii~,tci.x'. ias siic1-1 ~CI-I-II is iic1ini.d in 

lit~ii. 3b-2 under tlii. Ilscl~angc !Scl. ~LII i"<i:lt~di:lg all\' \{ice Pri.sicic'~tt i)r Scc'rctar~.) i!'~!i~ 

C'ctri~p;:~~>'. 

5. Assic1~111i.nt. Ncithcr this !Sgr.ccnlcnt nor an) riyii~. rcl>litiiy. obiig:itiin~ nor 

li2t3iIily :iijsi1-12 ]IL?S~LIII~~I~ or b! rcil~>!l 112r~i)I' s!I~~I b? i:ss~gil:~hl~ b) tit11 j?;lri> ~I~I-C~G ix, ~I/I<>L!~ tlii' 

prior \\rit~etl cu11ssni ol'rhs orher parti. anci an!. attempt IO assigri nil! righi. rcn,c'~i!. c)blig:itioi? 

(11- Liabiiil~ 1lcrctlncii.r \\itilour such coilscnr sha!l be void. c:<ccpi (,:I) an assignmelit. ii~ thc case of 

a iilcrgcr, ci'01isolidatior1. stzituror?. stia!-i. i.rchangs oi- si~niliir ir:ii-isaction r!lar rcquii-cs rhc ;ippro\,n! 

(if the C'o~npany's stoci;holcicrs (a "Urcsii?r.s.s (:'oii1:':iiiriii0;7~~) u.hcrc. such party is not ;he sur~;iving 

entity, i7r ;i sale oi'subsian~ially all of iis ;issets, ro chi: entit? whicll is thi' s~ir\~i\.~r oi'such 

Busincss Combination or the purci?aser in si~ch sale and (h? 21s jx-i!\.iileci in Scctioi~s 3.5 and 4.5. 

5.9 Scverabiliic.. 11' any pro\.ision of this :I\gri.crncilr os rhe li!arr;~n\, or rhc appiica~ion 

thi'recti'to any person or circumsrailce. is ~ietei-mincii by a court ~Ci~illp~~~ili ,j~~risiii~tii)ti 10 be 

i~~valicl. void or- urlrrli;~rct.ab!c. ihc renliliili~lg provisions hi'ri'oi; 01- the applicari:)n oi's~tcll 

pro\,ision to persons or circumsianccs other than those ;is ti) \vhicil it has \-1ee11 !~~ld i~\';tlid or 

~~nciiiorcrrihlc., ti-ill rc:~nai11 in ii~ll force and ef'f'eci allif sllail in no \?a!. be uS~~cti'd. ilnpaircd or 

in\,aiic!alcd ihc.r~b>.. so long as [hi. ~COIIOI~~~C or 1sg;iI s~~bst;ilice oi'thc trni~sacti~ns c(~i~tt~~;i)l~ttiliI 

liei-ch!- is 11~t al'tkcied iri ;in?. maruler mattriali!. ad\.i.rsc to any parr!,. I.ipon sach iiei~rr;lin:tti~n. 

?hi. psrries sh.I! t~cgotiatc ill good i'tlitl: in nl; e1'ic.irt li, zi2,rcc Lipoii a siliirihic :iiid t':jliiial>lt: 

substirnri. provisio~l lo efkcr thi. original in~enr ~li'the ~.)artics. 

5.10 Yo 7'hil-d 1'31-1~- Bencticiaries. Xotllir~g uonu:incd in [his i\gree!l~i~r. exprrsseii. or 

ii-r-iplied. is ir~re~lded toconfer upc)n any person or rntily othcr t!-~:ti! ri~e Compa~~! ::11d ~!IC 1111:estor 

any herielit. right ctr rornedies. eycrpt rhat tllc proirisions of Secrion 4.5 siiall iilui-i. ti] ihc bi'licfit 

 oft!;^ persons reikrrrci ir:, ill zhal Scction. 
,%$$EX .A 

FOIS3l OF ('EtPTlIiBb' 8'FK Oii; DI?Sf<;\:L'TIO?;.C, FOR PKEFEIaKEIP STOC E.; 
%;INEX) K.-ITE C'%;4ILi%,l'll'lVE: B'E:RI'IYI'1'.ZI, I'IIEFEKKEI) STOCK, SERIES I@] 

.!'11c board ol'dircctors oi't11c Issiitr he "!3oaril.~:,i'I>irectors") or an applicaillc comi~iittec 

of 1.12~ 13oarcl oi'Dirc.c~~?rs. in riccordancc with thc [[certificate of incorpori:tion!articlcs of 

associ3tionf 311~1 i)),la\vs] of the Iss~lrir ant1 applicable la\$.. adopted the hlloiving resolution an 

[el creatir?g a series oi'laj shares of I't-ekrred Siocli c~i'llle Issi~el- designated as --Fixed [{ate 

C~1it~~~l~?ti\~c'i'~~p~'t1ii11 1'1-~1-~&Sto~k. Series f el". 

KESOII,%/EI), that pursuanr lo the pro\.ision: ol'ihi. [[ccrtillcare ofincorporatio~~!srticIes 

;:I':tssociation] arltl the bylaws] oi'the Issuer arlci sppiicable !nw. a scrirs of Preft1-i-ed Stock. par 

\.31ue 5(e] per share. of lhc Issuer be and hercby is created. and that the designation and number 

of'sliares ol's~icli series. :inii tile voti11g and otl~t'r po\yers. preferences and relative. pr~rricipating, 

option~ii or otl~erighis. anii il-rc qualifications. linli~ations iuid restrictions rhcreof. oi'thc shares 

of sucli scriL,s. arc 21s f~~ll~~~ss: 

ikr I. flcsicnaiio~~ - and Nu111bcr of Shares. '~hcre is hcrcl-1~. crc:~ietf out of rhe :iuthorized 

mil ~II~~SSIIL'(! s11;ires i>f preiirred stock oi'the Issuer a series cti'prvfcrred slocli dcsignaied as thti 

-'S..iscci Rate C'tin~tt!~iii\'e PcrpetitaI Psefen~d Stock. Series [el" (the '-Desi2natt.d I'referred 

Stock"). 'l'!~ authol-ized number of shares of Dcsignnted Pscf;l~-re:i SIOCI~ silall be I*]. 

I'c~rt 2. S~_il~icl:irii !'rovisioi~s. 'The Staniiard Pro\:isic)ns containcci in S~iit?d:iti~ .A aitachcci 

liere~i~ ::re iili'i~rj)~~~ied herein by i-ekrerlce in rhcli- entirep. ;ind sh;ill be deemed lo be ii part oc 

this [C'cl-tificate of ilcsignc-itioi~s] to the same esIer11 as if such provisions had been set forth in 

li~ll herein. 

i)31-~. 3. Deiirliti~~q. '1'11~ follinvi~~g tcrms are used in ifiis [Certificate of Designations] 

(including ihc Standard I'ro\.isions in Sclieciille herc-io) as Jcfincd below: 

(a) y.Coii~~>2~n Sioch" means ~lle comt~ion sioch. par \'ali~e S[@f per sharc. of tile 

l~silcl 

ib) "111i iil,-nd Pn\rnt.nt Date" means I'ebrua~y i5. &la\ 15. August 15 and November 

15 of udch 1 car 
(cj "Ji~~lic~ Sti~ck" means rile t'omnto~t Sti?ck. IPtzserl" rifles cU7cpisj. c~sisrirrg ,irrifioi. 

- 9' Stuck] :ir?ti any orl?cr c1i;ss oi- sti-ics ijf stock oi'tlic Issuer 'illr rtrjns oi ::n!ch crpriiss!\ pro\,icli . . rixtt it rmks jtinior ti; Ilcsig!l:~iccl F)i.cfkr-ri.d S~och. as ti? di;,i(icntl rigltls aiiil.'or as to r~rrhts on . .. Iiiliiii~iirio~, di~sctluiitiil 3;. :\.iiiiliilg tip ofthe 1.ss~ii.r. 

ii') "2iiilirnum - -- I:nc,ir!~t'' nlcails B[l~rert 5 nmoicilr rqrii~l fu -7S':i; uffitr nggregi~fr 

~lrrlsre of riir Dpsig~~afed Prejkrred Sfocli issii(?d oil the Originnf &stre Drrtel. 

(0 "Pitrirv Stocl;" 111c;iiis ail). class or- series olstock oi' th;. Issiicr {other i.h:~n 

Ucsignrireil I'rei2rrrd Stocl.;) tlnr ienns ot'\\~liicIi cio nor expressly pro\.idr drat SLICII cixs or serics 

\v\-iii rank sei:ios or junior :o !_>csigna~ed I3refcrrecl Stock as lo dividc~~d rigliis and,'or as to sigiiis 

i?!i liquidation. riisso!~irion or ~viilding LIP of tl~c Issiier (in each case \+.itl-roirrcgnrti to i~'heihricii\,iiienils accr-ai: curnul:itiveIy or lion-cul;.iulativciy), LI,'ithout linniting ttii: fbrcgoing. I'arii:!, 

Srock shall i~icluilc thc Issuer's jfjrsert title($ of rxisfiir,,o cinsses NP serlt'~ (?~b'clritj' ,Ytoch.i. 

Past. 4. Certain Votin~! ici4arters. [To be ilzst~rfeci iffhe Cltcrr-ter pro~~iile.~fnr rlofiitg if2 

propa~tior~ m liqni{itrfioir preferwrces: Whether !h-. vote or conscnt of'tl-tc kloldcrs oTa plur;ility, 

miijusity or otlicr pol-iiijn of the shares 01'Uesigriated Preit-rrcd Stock and any Voiing Parit!. 

Stock has i?i:cn c:~si or gil~en oil any inaticy on wl:icii the holcicrs of sl~ares of Dcsignatcii 

Prelkrred Stock arc cntitlcci io vote silall be determil~ed by the Issiler by reference to tlie speciticil 

licli~idaiiun an~o~ini o ithe sl~ares \~ott'ci or covered by the coil sen^ as if the ISSUL'~ \v~re licl~~idatcci 

o11 tllc ruool-ii date iilr such isoie or consent. ilvany. or, ill the r;,bsence of a reci)~.ii date, OII the ii31e 

ti,r such vote 01. Ci>LIScnt. 1'01- PLI!-PC)CS ~i'd~'te~-i~~illi!lg t!:e ?.otjilg rights of the ilo!dcrs of 

Drsignntrcf I'i-ckn-ed Srock uridcr Scciiori 7 of the Standard Provisions ibrmiirg part of this 

[Cc'l.tilicatc oI'l)csig,~iatiorxs], e;icIi ll~)lil~~. \\:ill be cntitied io orrc vole for each $1.00(i of 

1iquici:itic.n prcfc~snce to ii'hicii such ilolder's shares arc cntiticd.] To be if~.srrteri ig'fhr Chtirfer 

dues fzof pi.ovirtrfor vofirlg it? proporriort ro liqzrirfi~fiofl prefereir.cc.s: I--1oldc:-s of siiilres of 

Designated Prei'trrcd Stock \\ill bc ciliilled to one vote I'or each such share on any niat~er or1 

tvhich lictlders of Dcsignatcd I'refi~-red Stock are rniitled to i70tc, including any action by ~riit~n 

~on~~rli.] 

I If'isstier dssiri-s io ~ssur: sllares I\ ith a l1ight.i. dol!ar an~oitnt liqaidation preF2rcnce. liqi~idatioti preferencr 

scftrcnces will be rl?odified accordingly. In such case (irl accoriinncr: with Section -1.6 o!'the Securiiit~ 

f'ur-clrasi. .Agt~t.cn:cnr). [lie issuer will be required to cnier i!ilo a deposit agreement. 

Seciion 1. <k~ieral I\,l;ilte~-s. I<acil silare 01' !Icsigi?aied ISrefcl-I-ed Stock s11all he idtnricai 

iil all I-csp~cts to e\:cp other sllal-c ofI)c~Ig~lated Prcjlcrrcd Stcck. -1-h~ Desig~aled Preikrreii 

S~ck silali he pel-pciuai. s~~l?jrcr la ihi. provision. of Scctioi~ 5ofrl~csc 5ranti:irii Pro\:isio~;s t11;ii 

fi1l-m 3 p3rI ~t'r'i~c Certiilc~lie c?l'I3csi~nalic)ns. Ihe Designated f"rci;.rrcd Stack shail sank cqu;ili~ 

N i:li I?irirj. Si:)ck r311d si?nll !.:i~ih. senior- io Junior Stocli with respecr io ihe I:a!.mi.nr ol'rii\~idrniis 

mci [lie di~t~.ii:~~ii~~: oi':~sstts ill the eve11ifa^;! dissol~~tii)~~. liq~iidr~tic,~l or \\ii~cii~?g ~IJI oIs;he 

iss~ier. 

Section 3. Standiird !)cii1li11~!11. :!is iis~tl hereill ivifh respect to Dc~ig~lai~ii F'rcf;Llrr~il 

Si0t:k: 

in) "ilpplicabie Ili\,ide~id Rake" ineans (i) d~lring rile period ii-om ihc: (Iriginai Issue 

Lhte to. bt~i excIt~di!>g. tile iirst day ofihe lirst Ui\.idend Period commencing or? or- aiirr tile iEfih 

a~uliversary of tile Original Issilr Date. 5% per ~I~IILIIII and (ii) from and aiier the first day oi'the 

first 13ii.iclc11ii Period CO~~~IIIL'I~C~I>~ oil or ;tlier the tiiih artni\*crsary of rhc Origir-i~xl Issue Date, 

935 Per 3111?11111. 

(b) pi~-'~ii~'~-~iI ULII~~;;I~!IL' il~i.11~y~' means ihe "r!ppropriatc Fcilcrai bankir~g 

;:genc~." \.\,ith respect to the Issuei- as defi~?ed in Section 3(q) of the Federal Ilcposit Insurance 

Act { i 2 1 ;.S.C. Section 18 1 :iiq )I. or an!. successor provisioil. 

ic) -.Uusi~iiss C'ombinatic!~~" rneans a incrgcr. consolidation. stattitor! s!lai-r '. c?tcj';.a~lgi' or siir~~liir !!.111~~;1ctii)ti !!la! rt?q~!ires the npprova! c>iS!!1e !ssuer's s~ockholders. 

( ..Tj~!siness 13al:" intiins an!, day csccpt Saturiia~.. Sunday 2nd any diljr :jil ~i-hich 

banking institutions ill the State of Nei\. York ge~;er:illy arc a1.1thorizeii or rcijuil-ed i7) law iir 

other governmenial actions to ciosc. 

!?]cans the bylav>ss of the Issilcr. as iht!. rriay he arneniled 1i.on) rime to 

ti;~~. 

(0 '-Cer-tificnte of' Ilcsirnntions" means the Ceriiilcate 01' Desig~latioiis or compar-able 

i~~s~rtlmerit relaring iu [he Designateti Preferred Stock, oI'\vhich tilest Standard Pro-~.isions fbrm a 

part. as it may be ainendeci iic~m time to time. 

(6) "C113i-tcr" i~iczns thi' lssucr's ccrtiikatc i>r zriiclcs oTincorpuraiion. ariicics of' 

associarion. or sinliiar or~:tniza~ional docu~-ne~:l. 

(h) "13: ~dcl;i! I'eriod" 11as the rncanlns set forth in Section 3ia) 

(i) "Di\,idenci RCC~I~ Ilate" has the 111caning set fc?i-th in Section 3(a). 

C.i j "I -- icrr!iri~rio!?.Preference" has rhe meaning set fort!.i in Section I(a) 
(1;) *'~jriei:.iili J~sii~ Ilatc" means tilt date on \vi~icl~ shares 01' Utsigilalzci i'rcil-i-red 

Stuck nrc 6;-sr issuc.ci. 

(ril) "kk!~-cd St(,&" meatis an!, liild 1111 ser-ies of' pr-cii't-rcci stock ol'che Issi~r.r. 

incI:~cIii~g 111~ [lcsignzted Preferrcci Si<>~k. 

(n! "Oi~:illi'icc:-~!i~\, Of'fcri~i~" mea~~:; ihe sale and issu~incc ibr cf;sIi hy iiie Issuer tc) 

pc"'%c"s cithe~ ri.inn rhc issuer or any of its subsidiaries aftcr rile Original Issue 13~~. of shirts ti!' 

j?~'i-j:~it~d I'reSerreci Stock. Comn;c?n Sii~ck or an\ co~~lhi~i;+li~ii oI's~Ic!~ stock, ihai. JI; e;icil CiiSe. 

ili~:~!ifi, as ;lnd 131;iy be i;Icludcd in Tier 1 capital oi'tlie Issuer a! the rime oi' issuance unde~ the 

:1j2plicable I-isk-based capita! giiiiielitles of ilie ISSLI~T'S Appropri:ltc Federal Banking :Zgency 

ii.iihei- than any such sales arid issuances mxie pursliant to ;igrccmertts or arrangements enti"red 

iiitu. or pursuani ro fir-iai?cing j~lans which were publicl>, annorinccd, or1 or prior to Nove~~~bcr 17, 

2008). 

(01 "S(,ind,i~-ct I'roL i\~ons" me;~r. these Standard Pro\ islons th::t fom a part of' the 

Cc~-~~iicdte ~i'L)~~lgi::iti~il~ relatiiig 10 tile Desigilatcd I'rcferred Stock 

(17) '.~~~CSSOI PrefeireJ StocL" has tile rncanlilg sei lortlrl 111 Secrion 5(a). 

'-'l'otirii! Parity SM' mcans. wit11 regal4 to r?ny niziti'r as to \vIlicil thc i~olders of (ci) -- 

I>zsigl~ntecf i'rclkrrcii Stock are entitied to ~.OIL' asspeciiizd ill SOCI~OIIS ?(a) rlrlci 7(bf oi'tllcse 

Stanilar-cl i'ro\:isions that for111 a part of [lie Certificate of ljesignations. ans and all series oi' 

p : alIq, Stock LIPOII \\.l~icI~ like votirig rigiits ha1.e been conl'cn-ed anti arc csercisahlr. ~vith rcspecl 

lo such maticr 

(3) &xs, tiolciers ofI)esigl~arcd Preferred Stock sha!! be entitled to receive, on each 

shnri. of Desi~nated Preferred Stock if, as arid when declared by illc Board oi'Dil-zctors or my 

ciuly aut1torizi.d c~mi~liltet: ~Siht. Board of Directors. but o~lly OLI~ oi'assrts legally available 

thcrcfor, cilrnulati-\:c cash dividends with respect lo each Di\ idend f cried (as deli~lcd bcla\\*j al a 

rate per annun1 ~'ilti31 10 I~L" "ipplic~blc Ijiviilend Kate ctn (ij the I.,iquidation An-~o~inr pCi share of 

iSesignalzd I'rekneci Srctck ancl (ii) rhc anioilnt ol'accrucd and unpaici diviiicnds for any prier 

f)ii~iilt_.nd Periotl on srlc!~ share of Designated Preferred Stocli. if any. ii;l~ch ili\/icientls sllall begiii 

to :iccrLie arid be ct1in~1:itjve frc~t~i thc Originill Issue Ilate, shall conipo~~ild oneach sribscquent 

lli\.idcnd Pnymi.~:t U;irr ji.e., no di\:idends shall accruc on orher. dividsnds tinless 2nd uriril tfic 

iir-st I)i\.idcnii I;ay:nent Date for sucli other dividends has p:lssed si.ithot~t such otilcr ciividznds 

ha~rit~g bceri paid on such darc) and shail he pa)sable quarrcrly iii arrears on tach Ilivideild 

Pqincnt Ifate. cummencirig \4 it1.i the first s~ich fliviciend Payment Ilaie to occur at leest 20 

c:lli.iiiiar days aii-cr the Original Issue Date. In the evenr :Itat any 13i\.idznci !'ayrne!it Date \\:auld 

othcr~visc i'ail on a day that is rlot a Business L>ay, the cli\lidentl paylnent due on tllal date will be 

postponed to the nest day z11at is a Business Day a13d 1x1 additional dividzi~ds will accruc as a 

result of tlirit postpo;lt.i;~eni. l'he period from and irlcliiding any Dividend I-'aymeiit Dale to, but 

cscli~iling. tile next ili~.idend Payn~enr Date is a "Dividend Period", pmvided that the ii:itial 
Ijividcllii I'itrioii sIxii1 he tile period iiu111 and inciudi1:g the Original Issue l'/uie to, btii c'xcitiding. 

the I:C>XI 11i\.ide11d i>;~>.mc~?t !-)LIP. 

13i.i.iJsncis tl:at arc paya'uic ttn l?csignated Prckl-ri.d S~ock iii respect of an! Ili\~ici~.ili! 

!'~ri<>ii shali hi. con~puted oil the basis of:$ 3hO-d:q. year cc:~:sistiilg ~i'i\v~!\.;r 10-3at. 111onrIis. I'ile 

amouni ol'iii~-ic!en<ls payable on f)i.signari.:i i'ri:f rrcd Stuck on an:,. iiaie prior io rhc cilil oi's 

Di\.idcliii Pcrioii. and for the initial Di~ridend Period, shail be coniptiteci on [hi. basis oi'a 360-driy 

!car consisling of !\vei\:c .1,0-(!ai. I~:OI.I~~IS. ;in(i :~ct:i;il clays e!;:psed o\.ei. a .1,O-day rnontl;. 

l>ii,idcl:cis !ha1 iiS.2 pa!-able on i)csigr~atcd !:referred Srock GI-I any iji\:icler.id /'a?.menr Ilatc 

\viil hc pa!.;lblc IO I~olders oi'~.ecor~i of1)csigna~e~i Prefei-reti Swk as the:;. appcar on the stock 

rcgistcr ctfrhe Issue: 011 lilt. applicable record datc. \vhicb shall bi: the 15th c;~lcntl:lr dalirnmediatel) prcccciirig siicll i)i\:idenc! Pa).rnenl Date or such other record datc iixed bl, [hi. 

13oarcl of Directo~s or an). duly authorizccl committee of the Borird of Directors that is riot more 

than 60 r;or less rhan 10 days prior to such I3ii.iiicnd Payment Date (each. a '+IIividcnd Rqg:crcJ 

A I j ..*- ). AIIJ. siich day t1:at is a 1)iviiie:ld Record Date ssltiall be a Dividend Record Ilari. v;l-ietlter 

or not such day is a Z3usi11ess Dill-. 

I tolders oi'Desigiiaiec3 l'rcStr~-cci Stock sllall not be entitled to a11)- dividends. whctljer 

payable in cash. securities or orher property, other than clividends (if any) cleclarec! and pa!,able 

on Ilcsignateii. Prekrl-xl Stock 3s specified in this Src~ion 3 {sut?jec~ to ~hc other provisions of 

the Ccnificatc of Designations). 

(h) l~riorit"oil>i\,ideniIs. So long as any share of Designated PI-efer-reil Sroch 

rcn:ajns outsii~rlding. no di~.~iilend ordisrributisn sl~all be clcclrired or paid (?:I thc C:c.n?rnor! Stock 

or :111!. otiicr shiircs oS.Iilllior StocI< jc)thcr than ciii.idcl:ds pa\,able solel>, in sharcs ofC:itrnmon 

Stocl;) (31- f)iiritj, Stock. subject it3 tile iinincdiatclq. following paragraph in thc case of Parilg. 

Slocl;. a~ici no C'on:inon Sloe!;. .'unior Stock or P~irit!; Stock s1:aIl be. dirccrl> or i~directl!;. 

purchnscci. rc.dccn1ed or orticrcvise acquired fix consideration by the Issuer or any of its 

si~bsidiarics unless ail accrued and unpaid dividelliis for all past Dividend Periods. including the 

latest con~plcteii Diiliiiend Ibriod (including. ifappiicahle as pro1,ided ir? Section 3(af nbove. 

di\~idCncis on sucli amouilt). on all outstandirig s1i:irt.s of Designated Prekr-red Siock h:i~.i: becn or 

are conternpora!~i.c)~isl~. declared and paid in Still (or have beer: deciared anti a sum sirl'icii.i:t i?)r 

tile payment tllcrc~i'iias been set asiiic fo!- tlx benefit ofthc holders c!fshares of Dcsignateii 

lJreli.rrcti Stock on thc applicable record date). 'The Ibregoi~lg lili~itation shail nor appik (i) 

rcdemptioils. pill-chases or other acquisitions of sllares of CJommon Stock or 911-~er Juiiioi. Sroch iil 

conr~ection \.\rith rhc adrninisrration of any c.mpIo!~ec benefit p1a1-i irl tile orclinar!. coilrsc of' 

business aiid consiste~:i I$-it11 past practice: (ii) the accluisiiion b~ ~hc Issiicr or Ltny of its 

subsidiaries ni'rccorcl o\i,liersl~ip in Junior Stocl; or i'ariry Stock i'or tht bcncficial o\v;lcrshili of 

311) o!hel- pcrs(.)ns (other tila11 tl;c Issuer or any of'its siibsidiaries). inc!rtding as trustees or 

custodians: iind (iii) thc cschangc or conversior~ of Junior Stock ibr or into olhsr Junior Stock or 

of f'arit!; Ll;i~cI( ibr or into other Parity Stock (~vith the sar;ii. or lesser aggregate liquitlaiioi: 

aixount) or Junior Stock. in each case: solely to the extent rcytlirrd pursuant to bincling 

contractiia1 agreen:ents ei~tcrcd illto prior to the Signing Date or an), subsecjuent agreerneni for 

the accelerated exercise. serilement or excha~~ge thereof for Common Stock. 
M'he!: ciividcnds are iioi piif (or iitc1::rcd 2nd a surn sufi1cient ;;7r p;>!-!i1c!ii :I:~.-ciji' 

aidc :by :he benefit oi'l!:c holti~rs tl~er.ofon ihc npp1icr:bIt. i.i.co~-~i tiziti.! <;I; ail). [)i..idi.:lci 

P:j> IT>CIII I~I~C (or. ~II ill? (~i'j'arit~ St(jck 1iti::ing Ji\,idt:fid ;>:i;;l11c:1[ d;l[cj cjij.ikr~ili jit~rj; t!lc 

Ifividei~J I'ay~rls:it 1);iti.s. an a ili~1Jcnd pziymer.11 dntr C;i!!ing \t-ir'iiil; a l>I\.icIi.nd i?i.rioc! ~-c];~cs~i LO 

s11ci-r Ili\.idenci Pa\,ti?cnr Date) ii~ fill1 tipon Ucsignateii Prcfcn-ci! Stock arid ;lrl! xi?;ii-cs oi'Pa:irv 

Stock. 311 i.ii\~i~ie~icis cicc!arcd on Dcsiyn::trJ Prefkrri.il S~ocii anii ail ~ii~li l';i;-it!. Stock nllii 

pa\abbli. un suc11 Di~~idend Pn!.ment Date (or. in [he cnsc iii' I'arity S!ctck ha\.ing iii\~iiIcnii 

p;i!.ment dnri.s difi;.ri.nl from the I)i~.idend Pa),menr ilates. c)n a cii\ idcnd pa>.i~~il.n: iiaic f<~!ling 

tvirt~in the flit iiicnci Period rciatcd lo sack Di\,idend 1'3incnt l>alr] sl~ali bc i!~ci;~ri-ii p!-(i :.illti so 

thai rhi. rcspzcii~c amounts ofsi1c11 c1i~iiiei.iti.c; c~~c'I;I:ccI shall txrir tile s;ir~lc r~iiic, it) i.:icli iir\l:'~. ;is 

a11 acci-i~ed axid iil~pniil diviiicnds per share on ihc s11zrc.s ~l'I)csigr~i?~cii I'rcl2i-rrd Stock 

(incliidin~. ii'applicdblc as prok.Icicci i~? Sec!ion ?!:E) aho\.e. c!i:,icli.i:ds (In sui.1-I ar~~ountj ;iiid nil 

l'arity Siocl.; payable on si1ci1 1Iit:idcnd Pa~x~cl-it Dale (01-. in thz ciisc oi' ['asit). Stock !:a\ ilig 

divide~-id p;l!,nient (iatcs iiii'it'rc'nr fio~n the Di\-idcnci Pay~llenr Dates. con ii di~.idzi-ld pay111e1-11 tiatc 

falling \\ ilhi~; the Diviiicnd Period rc1:trt.d to s~lch I>i\.icicnii i>;i!-merlt 11a1c':i isill?jc~i to ~hcir 

hnviny bccii declared by the Roard of Directors or a duly auil~oriircd coii.iinittee ~ti'thc ljoiirci of 

i>irectors olli of legally auaila'bltl funcis and including. in tile case 01' Parity Sti:)ck that bears 

cumulsri\,e di\.ic!ends. all accrueii but unpaid di\:iciencis) bear lo i.ac1.i ol1-i~'~. Ii'thc T30i1rtI 01' 

llircctors or a duly autiiorizcd comn~irrec ol'thc Board of Direcross i!etemincs not ti! pi?y an!; 

dividenci or a Siili di\:idend on a Dividend Payment Ilate, ~t;c Issusr n'ill pro\.idc \\:rirrsil iwtice zo 

t11c hc~ldcrs of Designa~ctl Prcfcrred Stock prior io s~ich Di\.idcnd Paj.il-ient 11~1~~. 

Si!!?ject 113 ti?? fcorcgoing. and not o~llt.r\i-ire. such iiii,idenils (pnyabl? in cash. secti!-itics or 

othcr property ) as inaJ- he iictcn~ii~~cd b~. the Bc.tarii of Directors ill. any ii ii!!. auil~orizeil 

cornmince ol'ri-ic Roard oi'il)irecrors inaq be dcclared anci pniii on :in)- sccilritii.~. incliiiiiny 

C'ornn-ion Stock nriii orlier Junior Stock. from tiinc to time oul i)i'a~i! iulicls icgally F~l~:iiiai:!ic iiir . . such paj.lnenr. ~lrlii holders of Dcsignateil I-'reikrrcd Stock shall no? be eniiilcd to parlic~paic. in 

any S~ICII ili\~iiieiliis. 

(3) Voluilzar\~ or I~ivc>Iut~rai-v Lic1~1idllli-t. 111 tllc i.\.r!ii of ail), iiipliciativn. dissoiuiion 

ol- uiit;ding LIP of the affairs oft11r lssucr. wilcthcr t.olunla!-!; or in'i.oluntaq,. hciicicrs of' 

Ucsigiiatcti Prciirred Slack shall be entirlcd to r~i.ci\.e ii)r each snare of 1)esignntcd !'r-e!?~-:-etl 

Stock, olti of thc assets of'tl~c 1sstit.r or proceeds tl-ii'i.~~l(\~l~~ih~~ capital or su'i.plus) ;~~.ail;?bic fo1. 

distribution to siockhctldt'rs of rile Issuzr, ~i~bject ti) the 1.ig11is 01- ;in\r. CI-C~~~OI-S ~I'ihi? TSSLI~I-. 

before any disti-ibii~ion ofsi~cl~ assets (jr prom~dsis l-ncid~ tc! or sct asicli: hr tile tio!di.~-s iii' 

C;omn:on Stock and any other stock of the Issucr. railking junior to ilcsignaied Pri-Serrcci S!ock as 

to such distribution. payment i1-1 ii1l1 in an amour-it eil~~al ro the SLIII: of(,;,! the 1-iiluidaiiori ./?lrnount 

per share anti (ii) tile nmount of an): accrticd and impaid di\,idcnds i inciuding. ii'appiicable as 

pro1;ided in Section j(a) abovc. dividends 011 such amount). \vheihcr or not cicciarcd- to [he date 

ofpaymcns (such amounts coliecti~el,;~ the "h~yidaiion I'rekrence"). 

(bf i'a1~i~i1 Pa ment If in any dislribijtion dtlscribcd 1.1: Sect~nn -$(a) iybo.~ zIhc risscts 

of the Issuer- or procceds ihcrcoiare not s~rffic1ent to pny in full rhc arnotints paqabli: v?ith respect 

to all ourstaitldir~g share? of Designated Preferred Stock r,~;d the corresponding &mounts pa)able 

it11 respcct of an? oiilcr ~toch ol'ihe Issuer ranking eqtlall> ixith P)csignfi!cd Prelcrred S~ock cis 
tci such dis~rihurien. iic;ltlilrs oJ'i~i'sig;l~~tz~i I1r,-fcl-red Srock an11 [hi. holders ol.'silc\l c)rher srock 

shall sha-z I-atabi!. iii ;in:, SLIL'~? i!isirih~itiorl in j~ropoi-[ion ti' :hi' frill r~.spccti~,e tii.;iribi!tioi~s ti; 

ivhic1-r t!~! arc eixiricil. 

(C j Iiesiciiizii I~~sI~~~ILI~~<)II?. if~ltc 1-iil~iiciniion I)rctl.renci. ];as been p;~iJ ii! hill ii, :I!] 

holders oi' Tlesigi~ntibii I'rc,t;;.rrcd Stock iuni! thc i.c~trrcspc?ntiiii~ a~~ioiiii~s p:l;abIc ivitl? i.~.spscz cii' 

211:- orller stock ui'ti-~i. 1ssiic.r rzilhillg cilt!nii\ \+.ilh Ilcsigriawd I';?S~ri.eii Slocl; as ro siich 

ciisiril>t~tio~ has @eel1 p~~i:! i~i S~ill. 111e iwldtrs oiott~cr siock 01. the Iss~~cr sll;!il he cr~:iile<l KG 

rccci\-c ali reniniiiing as.i;sts i>l'il;~ lis~itr (01. pri>ct.ctis ti~erroi'! accorL1ilig ro iheir I-cspecri\.c ri9hts 

aild prei'crc:ices. 

((i) h4erxr. C~;!isc!iid;~~iot~ ~IPJ Saje :l.sscts &GI !K~$j~iidixiioi:. Fiir ;ILI~?USCS c~r~his 

Section 1, tile l:ilcrsel- or i~~:s~!id;~ii~i! OS the lss~ier i~itli a!:!,o~hei- cotpor3iion or (~iher elitit).. 

incluiiing a merger itr consoliciatioi~ in <v;.hicl~ tlic holiiers of Dzsignated :'I-rferrccl Stock rczci\'e 

cash. securities or oi11i.r propci-i!, li~r their si-iiir~~. or :!-I? sais. le3se or exchange (ii~- cash. 

sccuriries or other prupcrly) ~f'i?ll 01- s~it~:at~tiall;; aii ofthe ~SSCI.S <)!'the Issiier. shall not 

constiruti. a iii1uit~atii;n. ciissoiuticiil or \\-inding up oi:!ic Issucr. 

(nj Optic111;iI iZcdci~~i~ti(g.-:scepi 35 provided bclon.. the Designated Prei-::rred Stock 

maj, not be rs~~eerricii pi-ior to ihc lirsi Dividend I'aymcni Llate falling on or alier the third -.. anni\.ersary of ths 0rigii1:il issue !)arc. 011 ol- aiicr the lirst Di\.idend i'a;nlcni Date i'alling on or 

~ifici. the Iliirci a~~iii\.ersrir>. oi'thc 01-iginal issue Date. tile Issiicr-. at its option. slibiect io ?he 

app~!\:d 1i!f'tI1~ il~?prop!-i:~tc I:edei-;~I 13:ii1kiilg I?gc~?c>.. r??:i;, i.cdcrn:. in vchole Or in jiziii. ;il 31-I! 

timc a~icl ti-on1 tinlc io ~ilili.. ~iit offiillJs l~pii\. ri\.nil;iltle 11lerefi)r. the silarcs oi'r)c.;ignatcd 

I)!-cfi'i-red S~ck at tilt. tii?:c' i:titstctnili:~g. :ij>i>iI notice gi;.en as pr-ovidcd ir-t Srciion 5(c) brio\\, at a 

r:clc.~-npiinii price equal ro the suin of ji j the I,iquid;~tioii Ainount pcr shari. and (iij except ns 

oiiicrtiisi: p~o;.iilt.ii 'helo\\. an!; accrued and unpaid tii~:iiieniis r ii!cluding. ii'applicnbie as 

providecl in Section 3~1') al>o\:e, di\.idc.ncis 011 such aniournt) (rsgardless ol'\i-ho;hc~- any dividci:ds 

are :ici~iali;: ciccl:trcci) to. but excl~iding. rile dart. fixed for redemption. 

Noi~viillstaiiiiin~g [hi. foregoirig. pi-ior to the first Di\.irlcrld Pa! II-I~III Date Cilliilg on or 

aiicr i!ic third ailnii-ersr~r, oi'tilc Original lss~le Ilati.. tllc Issaer. at irs optio11. snbjec: to thi. 

sipp1'0\.;11 ()Tihe ilppropriaie I-'~ii~iai Ha:li;irtg !\gencq,, ma. redccin, in \\:hole or in part. at any 

time and i'roni rinlc io iii?~. 111e S!~~~SCS 01'Designatccl I'rrfcrrcii St(>ck at tllc time outstiti-idilig. 

tip011 noticc 2ix.c.n 35 i)l.i~\ idc~1 in Section 5jc) helo\\.. at a rc.tieinl~rion price equal to tile sum ol'(i) 

tile I.iclliiilarioi~ Amouni pe!- shr:re iind (iij except :is oli.\srivise provided below. ar?y accrued and 

unpaid di\*idrniis (iiicl;~tlii~g ii'nppiicablc as provided i1.1 Seciion 3(a) abo\,c, dividci-tcis on srrch 

~tmount) (rcgar~iicss ai'-,vhsihe~- any di~idends are ;tctuully declared) tol but escladi~ig. the date 

tixed for rccfcr?zpiian: ;~l.ol'ii/eil th~it (x) ih~ Issucr (or any successor bq R~!si!less Con~binaiion) 

has reccivcii aggregaie ..- irross proceeds oi'not less illall the I\.iinii;~ur:l i'irnctunt (pius the 

"?vli~iin~i~ii^i .4mouni" as defined in the rele\.ant certificntc ofdesig~iarions ti)r each other 

outstanding scries of prekl.red st<!ck oI'suc'n successctr that was originally issued to tile \,fi?iied 

States Deparlmrni of rile 'I'rcasurj. (the "Si:ccessoQreiL.~-rcd Stock") in connection with tile 

Troubled .Asset liclief I'rogmn~ C'apiral I'iircl~ase Program) SI-om one or more Quai i fied Eqtii t} 

OftL.rings (iricludiiig Qtialiiicd IIquity Ofi'erings of sucl~ si~ccessor). alld (y) the aggrcgair 
~.ciicrnprion pi-ice di'lii~i 11isig1t;iicd Prck~.red Sii)~k {iiriii any SIICCCSSI)~ I)~ilf~i-~tii Stock) 

i-.- LC j ii~lic~i -> I j>tlrsil;i~:t ti) tlii~ prirngrapl; ma\- not cscc.cJ tllc aggregate ~?er ciisii pr-c)~,eecis secci\,cd by -3 mi. 1ssuc.l- (or ni;~. successor by 13usir:css Coi~.ibin;ttic~n) :I.oII? such Qualifieii Lquit. Of'!'trings 

(incliiciing iJg;iiil?i:ci t,:qi.iiiy; 0fl;rings <if siich s:iccsssor). 

'1.11~ 1-c~jeitiptioi1 p~-ice for ail;; sl~:?rcs c)i'Dcsiyxiieci I)I-cfcrre~i Stock s11dI be p;iysbk oii 

ihc l-ccie~l~pii~liiatc tii iiie holdilr of sucl> shares against sui-1-encicr o!'the cer-tificaiejs) e\.iilcnciilg 

sticll s11arcs IO il:e Issrler or its aserlt. ."\!I>- dcclnscti L7.u~ ilitpaid di~.idcnds paj.:~hic on 

reiicnlptii>it iia~i. Il:ai occurs siibsi.il~~cnt tothe Dii ideltd Recod 113ze Sol- a l)ii,iciend Pi.!-ioci sl?all 

ilcii t?c priid to ihr. holdt.1- c~iriilcd lo recci\.e tllc reiicnlption ;]rice on [he rcdcnjp~iil!i datc. bill 

I-riilicr siiail he puid ri:. ilie i~i:lcicr of recc-rrci of the rrdei'~itcd sharcs LII? s~icl? Ili~,.ieli.~::i Rccl:rii I):iie 

rclatir-q io tile ili\.icicnd P:lyincr~\ IlaLe as pro\~ided in Section 2 abo:~c. 

(hi No Sinkin5 Fuitd. 'I'he Uesignnrcd I'reierrcd Stock xi11 iloi be srlbieci io any 

manciatory rcdemp:ion. sinkiilg furl~ or oli;ter similar provisioiis. 1 lolders of Designaied I+cil.rrcd 

Stock n-ill has^ ilo righi to require redemption i>r repurchase or nny shares of Designated 

I'rclitr~ed Siock. 

Ni~ti~c oi'12cdemption. Notice oi's\.~r>~ I-edemptiort ol'shares oi'Desigilared ._ 

I~rcl'trrcd Stock shall bc gi\.rn hy tirst class mail. posiagc prepaid. addressed to lhc hldcrs oS 

record of' tile shares to be rcdee111ed tit their l-espcctixe 1:ist :icidrcsses appearing 011 [he books 01' 

rhe Iss~lcr. Such miiiliiig sliall bit at ieast 30 days anti ]tot mnr-e ~hcilt 60 dqs befirre the iiale fixed 

i;~. reiie~nprion. i'ir~y noiicr mailcd as prc!\.idcd in this Stlbscclion shall be conclusi~:cly pr-.si~mzd 

to hn\e hecn du!y given, \\,ht.rl~i.r or rlol ~lic holder receives such notice. but failw-r duiy lo gi\,c 

s:icl: no:ice b!, in:iii. GI- any dcfkc~ iii si1~1i 11oiicc iir iri ihu ~naiiing thereoi: to any lioldcr of shar6s 

ol' Uesigrlarcci T'rcferred Stock designated for redemption sh;llI not ai'Sect the valicliry of'the 

proceedings fur ri-ie i-c:cienlplioii oi'~11iy other shares ~Snesignated I'rel-erred Stock. 

Nr)ti~itllutanding the Su~cgning. if shares oi'Designatcd Preikrreii Srctck arc issued in book-el?try 

11)rin rlirough 'I'he Ilepository Trilsl Company or any other silnilar facility. notice of reclcnlptior; 

ma?. be given to the lioldcrs oi'Desig~;aicii Prekncd Slock at such time anci in an!?; manncr 

prr~r~itted bysuch faeilily. Each notice of redc~~~ption giwn to a liolder sl~al! state: !I :) the 

rei!ei~-tp~ion ciare: (2) [hi. riur11t-w- of'sharzs oi'Ursignarcci Prcfcrrod Stoc1.r to bc rccicc~?~ed and. if 

less iliiin all Ihc. shi'ises Ileld b!. snch holiler are ro he reiicci~?cd. rlle 11i1111ber oCslici1 sliares iO be 

rcdccmed ii-ilm slrch i~oliier: (i) the redc.mpiion price: anti 131 rllc place or places where 

eel-tilicates 1-0; site11 siiarcs arc to bc sun-endel-ed for- pa>.ment of thc r.i.Je~npiion pricc. 

(~i &ti,:I R~'citft?iDll()g 111 case o1 an) redemlxlon of parl of the shares of' Des~gilatcd 

i1rcferred Stock st ibt iilric outslai~d~ng, thc shar~, to bc rzdeel~icd sl~ail be sclected clther]tr.o 

i (:fir or ~ii SLLCII otlicr manner as the Board of 13ire;tors or a clul) auiho~ i;.ed comlnlitee thereoi' 

ma\ deter~xine to be i;:lr ,~iid eclurtsbie Subject 10 the pro\ !?ions I?crzof, the Boa-d of D~rectors 

us a Jul) diit~l~~.l/r~d co~~l~ll~ttce hereof shall hd! s {t~ll poiLer and author it). LO prescrthe tllc ternls 

anci cond~tions upon \\ h~ch share5 of Desipnatcd Preferreil Stocl, shaii be redeemed fro112 time to 

I~II-.~. Ifk\:e; than all the shares re?rescnred b! ;in>. ccfllficate arc icdeernsd. a rlcc cerilfica~c 

sh;111 bil ~ssucd 1:prer\cntl;-ig the u~~~eilee~ned sharcs nithout cilargc to the holder fhcrec;f 

(e) I:ft''ciiyc1112 c-tf Redcm~lioil. If toti ice oi'redznlptron har t?cen dull, $1 t11 and ii' 

on or bchri. tile ~cdcmpt~c~n datespsc~ried In the notice dl1 f'unds necessdrq ibr tile r-sdcmp~ion 
ha\,t been <icposiicci h>. the Issuer, in tr~sl fill- [he pi,() /.grit benefii of I!.;c hojdc;-r; of [j~e sjlar-s 

caileci h~ rctlcrnptioli. \\.i:li a ks;inh: or irus'i cor?-lp;ln\. doing husil!ess in Ijje fi~r~>~igll of 

h:la:lilri~lnii. -i'l~e Cily c>i'Kc;i j'ork. ai~d ilaving :i capital and siirplrrs c>f'a~ jeasi S5j)i) :nill:~>rl 3:icl 

'jc1y.7 ' . ' b! ~!le Boa:.J iii' I)irectors. SO ;is ti) be aid cn~~~iri~ic ti-) be a\~riiIabIc s01i.i~. tji~r~ji>~. tjle11. 

r?oi\$.ithsiandii:g rllnt ;in\- ccriiiica:e fi)r :!r!J- share so cailcd i;jr r<d<~~lpti~ii Iliis I];,[ ilrc~i 

siirrcndered for c;ir-iceii:ition. 311 ar-iii alizr the reciemprion iiart. di\,icicnds sil;ili ce:isr ii, accrue oil 

iili sheri-s so iallsd i;); redsrnlxion. ti11 s1~ares SO caileci for redetnption s1.1rilI r.io long~r. be ;ii.ci?~cd 

i)~ii~t:?iliiii~s iinci :ill rig11:s ;\-iih i-cspt.ci to such sl?ares shall f(>rthv, ill: oil such rsilemptioi: &ti. 

cease rirlcl Irrminaxe. except on]! the right oftlx holders thcrcol'io rcccii,r the ninoilni pa~~abli. oil

such rcdsn?ption fr01~1 SL!C~ L>;?ilk 0;. 1~~1~1 cump:m).. \~ith~ut iilteres~. ?'ii?\. l!~ij~ ~~!~c!;iii!!e:l ;ii lli~ 

end ~i'tiii-cc ?;cars i'ro!li [he ~.~i!~i~~!)lit)i~ date sI~ilIl. tct ll~c?:tcill pcn-iiitied 17~; i;iiv. tic rele~sed to 

tl?e Issuer. after \i.llicIl timr the holciers oi'rhe .;l?nrcs so called !Or recic.!:ip!io~i sh:;ll i:~k olily to 

ihe Issucr Sor pii!mcni of~he rcdcmpiion price oi'sucl~ shares. 

(f) $talus of Redeemed Shares. Shares of Desigriated Preferred Slack rhat are 

i-edecnrecl. ~~epurchascd orothcr\visc nccjuired by the Issucr shall rever? to i~nrho-rizcd b~it ~11iis.sui.d 

s1l:trcs oi'Pi.cfcrred Stock (yi.u~:iiii.ii iimr any sucll c;incellecl sl~ares of Designated Preitrrcd Stock 

111:1!~ he reissued cjr~i!. as si~ares of ar:~, series of Preikrred Srock otlier than Dcsignatcd 1'1-ehr-rcc! 

Siock). 

Scbcrion 6. Q!'oygr.gsii!~. Tloliicrs (if I1esic;til:tteci Prc.!itrrcd Srock slir.~rcshall h;i.i.c i~ii risk1 

to exch;:i.;gc or ~011.i.c1-t siicll sh;tres i~ito ari); other securities. 

jaj General. 'i'lic 1;olilers trf 13esisnatcd Prelt'rred Stock shall 11or have any voting 

rig,lits esccp! as sct hrth bclo\v or ns otl;cr\vise fi-cjin tiniz iij tirne required by tavl-. 

('b) Prefer-I-ed Sack Directors. LVhencver, at any time or times, ~ii\~iciends pa!;ablc on 

:he shares oi'I3esignareci i3rckrred Stocl; ha\:c not been paid for an cigg:-cgnie of six c!\:artcriy 

Di.i,idcnd i3crioiis or more. ~vlie!i~ci- ctr noi consecuti~:;., !he auihorizc.ti nnnber of directors oi':hz 

1ssllc.r shal! ~iutoinnticaily be increased by I\VC! ancl tlic licjlders of il~c' Uesignafi'(i PrcI;'~rei! Stock 

shall 11:ii.e tile rigil'i. \4,iili holders oi'sh:ircs ol'iin:,. one or more other classrs or series of' L'uting 

I'ul-it! Siock ciutsranding ar rllc time. \;o[iiig iogetiler ;is a ciasr, lo elcci r\vo Jirecrors jhercinar[cr 

the "l>~.ciL-~-re(i l>rcc~ors" an3 each :i "Prcirred l.)irector '') t,o fill such riewly cretueti 

dirc~torsliips ar rhc Issuer's i~exi annual ril~~'ti11g of srockh~ldcrs (or a! ;i spcciai meeting callcii 

Ibr lhat purpose prior to such next anliuai meeting) and at c:tch srtbsecluent annr~ai meeti~~g of 

stockho!dcrs uiitii ail accrued xnii unpaid ciividcnds for all past Di\-iderid Periods. inciutling \he 

latest COIII~IL'I~~~ Di\.idcnd Period (inclitding. if applicable as provided in Scctiorl 3(a) above. 

dividends on such amour it^. on all outsta~?ding shares of Designated Preferred Sccrck l?ave been 

Jeclarcd uilii paid in full at which tirne such right shall terrninlite with respect to the D~sigrlaicd 

l'rcfcn-cd Stock, except as irerein or by law expressly pro\:ided. subject to re\.esting in the evcnr 

ofcacl~ and e\'ery subscqucnt defaulr of the character above mentioned: pt.o~,icft.d thal it shall bc 

a clua!ifica~ioi! for election f;)r any Preferred Director rhat tile ciectlon of sue11 Prrikrred Director 

shall not cause tlic Issuer to violate an; corporate governance requlrenienis of'any securities 

cscllange or other trading facility on whicl~ sccurities ofthe Issuer may thcn be listed or traded 

that listed ar ~radcd companies m1.ist [lave a mi!jorit>; of independcnl directors. Upon any 
terrniii:~tion ~l'ilii. rigilr ui'ihe holders oi'shai-cs oI'1)esignated i)rcfl-rri.cl Stock u;:~! i'i-tiing Parit! 

is;iozk ;:s ;I class to \.oic: fo;?i. iiirccron ;is prc~i.ided ribii\ tt. [hi: I'ri.i>r-red I)ircct~t?-.; s11:1!l ce;isc iij 

qiialifieil as tiirecii-trs. rhc I,L.~I?I of office of'ali Prekrred IIireciors ;!~eri <~i'ijcz i.j~:iii rerrl~i!-::i:c 

irnmciii~ireiy and 111z aiitl?o~.iic.d nilli1bi.r of t:iir~cti)rs .;]ll!Il be r~iji!cc( h\ !!':c ~?:in;[>i.r i>f' i'~.i.i'!y~cii 

Direcrgrs eiccleii j?tirsr!iaii Iiereto. ."in!, I'ii,J>i-rcci Dil-CCIO~ 1113~ j7c rciliot cd ;I[ ::il!, ii~nc. ts*.i!!l or . - ;\iil~i)~ii cause. and ;in4 \.acaiic!; crcatcd ~!ici-ebj. LII;I\. bc jill~?~l. i>!il\, b!. {hi' ;i?j!rir~uii\.i.,Oi.s oi'thc 

l~11ifel.s ai~iq;orii> oi'~l~i. shares oi'r'1ctsignati.d Prcfcrrrii Srock ;it r!lc tilnc ou~si:i:>dii:g \-c!iirig 

,it.ixiraicl~ as a cinss ti,gctther \~'irh tile Jioliiers oi's!i::res oi'Voring Parit!. Srock. to iiii. i.sicilI the. 

iroliilg rigllts c?i'siich llolii~.rs iiescribed above 3:s- then rsercisablc. if'tlic ofiicc i~i';iii> Prttkrrccl 

ilirzctiir l?ccornes i.ac;lr-ii for any rs'zson otl-icl- tlim rcrno\.n: fi-orn ctf'fiuc as ah]-?said. rile 

r.einaining Prcfe~cci Director illli? c1ic)osc ii succ~s~or \vho shaiI holci office Ibr liic uni-spired 

12:.113 i~: Yi'sjii'Ct 01'\t-hi~i1 SUC~ \.aesncy GCCL~I-WC~. 

(c) CCCIass 'Ifotii~e Rie11ti :1s to Pi'ifli~t~lar hiliiticr~. So 101:g as ai:y shares i~f i~sis!~a~cc! 

1)rrSerrcd Stock arc niltsranding. ir! aclciition ro an!, ctfhcr votc or coilsent ol'srocl.;hoiiiers requireti 

by !:i~ or I)! ~hc Cilarrer. the \;ow or conseni oStlw liolders of'nl ii'nst GO ?.".;'?'o o!'tl~e sliarcs of' 

Designaii'd F'i.crcrred Srock at rhc ti^:.^ ori~stani!ing. \.oti;lg as 2 sepx'.i!i~' class. gii,ei! in person ortl!' prox!,. cither in n,ritirlg will~out arncetil~g or b?; volt at an). r~l;'i>ting c:illeil ~C>S the purpose. 

shali he ricccssary fix eff'ecting or \;alidatiny: 

(ii I*i~:~l-lorizati_c~~lll_of Se~iior S10cl;. Any ;imer:dmcnz c;r ztitcrarion oi'ihe 

Ccrriiicatc o-I'Designutiol:s ibr the Dcsigslatcd l'sekrrcd Stock or [hi. Charter to iiutllorizz 

:?r creairr. or ir~crease thi. authorized aniount of. or any issuanct. ot: :in> shares of; o: nn) 

sccaritics col~\.enihli: info or cxch;ingcabic or cxcrcisnbls !;)I- shares 171: an!. C~~SS or. series 

cti'c:tpital siocl; nt'lhc issuer ranking senior to Desigrlated Prciirrcd Stock ~\,irh rcspcci to 

ei:liel- or bot1-i the payrtlenl oi'dividcnds nr!d/or the ciistrihutioil of assets or! any 

licjiiidatio~~. ciissoluiit>n or \z;illiiing up ofthe Issuer: 

! ii) Amei~dment oi' i>i:sig~~ilI~~i fJi-d'crri'd Stock. :In> amcndr~~cnr. alteration 

or rzptt:~t of any provision oflhs (.'ertificale of 1)esignations ibr shi. i)csigi:atcd I'rcknrJ . . Stock c)r the Clharter (includirl~. unless no \.ore oi? such nicrger- or conso!idat!o~l 1.; 

reclnircd by Sectiorl 7(c)(iii) helo\,\,. nn!; amendment. altui.;iiion or. rcpcai i?!. nli.;~iis oi'a 

mcrger. corisolidarion or othcr\visc) so as 10 aciversci!, afkci the I-ighrs. preI>~-e~ici's. 

pri.i.ilegcs or voting potvers ol'rhc Desigl:aicd Preferred Stock: (21. 

(iii) Sl~are Exchanges, Reclassifications. i~li'rzers iind Co11so1idi'iti1~iis. r\ny 

consulnrnation of a biding share cscllarzgc or rccIassii?catioi-~ in\.,olvii:g 'ihe Designated 

Preferred Stock, or nf n merger or consolicialio~i of the 1ssuc.r \s.ith r-incjth~r cor-poraiion or 

cxher ~niir>;, nnicss in each case (XI the shares ol'Designalcd I'refen-eci Stock rtmail? 

ouislanding or. in the case of ally mch merger or consolitlation \virh respcci to which the 

1ssi1c.r is not the sur\ii\ring or rcsultir-ig sntily. are converreci inro or exchanged for 

prt'ference securizics of'the surviving or resulting entity or its u1:im;its parcnt. 3rd (,!.) 

SLICII sI-i;ises rt~ilai~~ing outstarmding or. such preference sccrtrirics, :is the case inay he. lial:iSLIC~ righ~s. pseferclnces: privileges and voting po\vers. ancl limitarioiis and rtstrictions 

thereof. taken as a ivhoic. as arc nor rnaterinl!y less fi~\;orablc to ihe holders thereof than 

the rights, preferences, privileges ancl ~oting powers. ar?d limi~atiol~s lirid rcslrictions 
. , j?i.o~.iric,:i. i~!/\l,c'~';ji-. ti~::r hi. ail piir.po:i.s i~i'this .i;.~c~ic)ii 7(c j, :1!1> incrrasi. in rile ilril0i!ni c.>i'ihc% 

:i~~[l:ui-i~~i.l i'rck~.rc~i S~(IC~, iilcl~icfii~g 311~ 1nc!-czi5e in the ;;~~tl~ori~c~i :~IT~L>~II;~ ~[~ijcsip~z~y<J . , !>i.ci>rrc.J Srock ni.c?s';;ii-! to .;o~;si~- j~l-eeu:p\i-vfior sin~iiarighrs granccii b\. *i:c Issuer i<> i>t!;i.r 

persttns prior- to ii~~ Sigtiills Il;!te. or the ci.caiiiln 2nd iss1i:;nci'. cir an, increase in ~Ile ai!~I~orii-.eii or 

i~s:li.ii 2131oiil?L. n.ilei!~er plii.Siia!li 10 pi~eil~pii\.e C~S sin~iiarighrs or other~visc. of an!; oliler series 

of Z'rel;.ircil Siocl;. or an;. sccuritit.~ cnn\.ei-iibic inlo or eschangcablc or cscscisabie for a;Iy other 

series i7f'I're~:;lrrcd StocI\. i.ankii:g ciluall~, with ai~ci'or Jiir:iiir to 13esignared Prci'errei! Srock \\-iih 

xspc'c~ iro ti:c paj..li:en~ iti'di\:ici~i~iIs (\i.heilli'r SIICII i!ii.ic!cnd~ tire cumu!arite or nil!l-c~1rt?ul3ti\~c) 

and rhe distri?iil~io!l ol';isseis ilpon iiquid;iiioi-i. disso!utinn or \i.i~ltii~lz upof'~I1e ISSIICI. \\-ill iioi be 

cici'rneii; tit nci\.crsci> aifkcl ill? righis. ~rcii'rri~cc's. pi-ivilcg~'~ or voti!ig pc)\vers, ai~d shaii !?or 

requiril' l!?e iii'lir~ila~i\.e L (-)re or consent 01: i!ie 11oidcrs ol'oulstiii~ciing sbarrss oi'r!?e r)csignnrsd 

F're I2rri.d Siocl.;. 

(ii C'liaig~b afier f'r-cl\ iuon for Rt'di.1~~110ii '\To i O~C or COIIS~I~I oftlzc noiilerq of 

l)es~gnati.ci P~cl'erlcd Stock sl;dl bi. rt-iluircd pursuai~t ro Scctlo~t 3(c) alto\e if, at or piior io the 

iil~lt: \\IIcI~ an! su;'~ \ow ~tr consent \\vuld o~hi.r\i.~ic he teqr~itcld piirsu~lnt tc) sucl: Szction. all 

otitstandlrlg sharci of:he IIc.s~g~i,.red IJrcfcrrcci Stoch shall ha\ c lxen rcdecmed. or sliall haxrc 

bcc'ti cr:!lcd fot icdc!nption upon proper notrcc and sufficient filnds sllall 11aie been deposlr2d ln 

trusl for si1cI1 ~edimp~~on. in r,lch casc pur~ii:i~~t to Scciioti 5 abo\e 

iej Pr(>cediircs ibr Vc>ti1111 C.'OIISCI~LS. The nrlzs 2nd pi-ocrdures Ib: cal!ing ai~d 

conduiting. :in\: meeting of ~l?e hi.,!dcrs of r)esigilatcd I'refzi-sed Sloci; (inciuding. \t.ilhoiit 

lirnitmion. tlie 1isins of;: rczord Jntc' ir; corlncctian rherctvith). il?e solicita~ion 2nd L~SC 01'pritsics 

at such a n~ecting, tilt t!l?~ainin% vSi\ririen coriseilrs and any other aspect or matter tvirh regard io 

such ;I inrcring or such consetxs shall bc g~i.erile~i by nil? ruics OI'LIIL' Board oi' Ilirrsctoi-s or ;ti:!' 

duly ai;thosizcci corninittee c~frhc Ho:ird o1.L)irecrnrs. in its discretion, may adopt i'rorn iimt. to 

timi.. \vhich sulcs :ind proceiiurrs s11ciIl cctn~itr~l~ tct the i-eclui~.zmer?ts ofihe Charier, rhc Ryians. 

and nppiic:ihlc. lrs5 and tIic ri~les ol'rin!, narionai secul-itics exchange ,-or other tradinp facilit~, on 

ti.hic11 Ilesignateii I'relL-rrecl Siocl; is Iistcci 01- 1r;:cied :it lhc iimc. 

Sccrictn 8. 1t~ci)i-il 1101cfcrs. '1'0 ~lic tiillcst cstcnt pilnnitti.d b\: applicable Ian,. ~!?c Issi~rr 

anii the tnuislr agcw hr Ilesigi~ated Prckrrcil Stock. may deeirl and tre:ir the record holder of 

sh:isc c:)i'LIi.siyrlaled Preferrrsd Stocl; as rhi: trike and lawi'ui o\Viicr thereof fix ail purposes. 

and neithcr- the Issucr- :lor such transfer agcnr shtilt be affected by ariy ilotice to thi: contrary. 

Section 9. Koticcs. ;\I1 i~otiscs or conlinunications iii rcspeci i>i'lfesignalcd Preferred 

Stock shall be sufficient!;\' given if given in \.b,.riting and delivcreii in person ur by first class mciil. 

postage prepaid. or if given in such orher m;iniicr as may he periniitcd in this Ccr-tificatc of 

13esigncitions. in the Charter or Bylaws or by applicable la\v. ?Jotwithstanding the hrcgoing. if 

shares of Dcsigria~ed 1)reft:n-cd Stock are issued in bonk-entry form tl~rouglz 'The Dcposirorq- 

'I'rust f'ompan)~ or any sirni!ar facility, sue11 notices rllay be given 1.0 E~L" holders of r1c.signarc.d 

Prefcrrcd Stc?ck in an) rnailzxr pzrrnirteci bl; such i'llciiity. 
Sccrior! 1 I. !?~ulnct.mei~i Cerrilicat~. 'I'hi. !usuer. sllall rrpl-- .:LC L~II\., 11-iurilated c~r~il'ic;itr: a1 i I LI?C linliier-s ~S!?L'I~SC :~l.?on sur-render of~hai ci.rlilicntc io the Issuer. The Issuer shall replacc 

ccrtii-icatcs that I~C~OIIIC ~cs~~oJ'c~. SI('IICI~ or lost ar ti?c troldci-'s cspejlsc upoil dclii cr! to thc 

1ss:icr c.ii'~-c;isoi~ahi>. ~i?tl~fa~i~~>. ti.id~ncc hat tile ccl?ificatc fiias bc~ii destroycii. stoiei~ (21. losr. 

toye!i~er t\,irIi iiii!. i~ldc~.i.iiiii!- rl-inl ilia!. he reownabl~. re~lt~i~-eij hh. the is.-;l.~cr. 

Section i 2. Otixr Ri~hi..;. 'T1:c shares of Dcsigi~citcd I?rlk~-rcii Stock sliall ijor i~ai,c 211) 

rights. prei2rrnci.s. pri\ ilcgcs i)i- \;utir.~g po1iess or rclari\,c. ;?;i~-ticip;iti~~g. oprionai or otlier special 

righ\s. or qi~;:lil;catii~ils. 1irnii;tticrns or rzstl.ic~ions thereof. other than as set ii)rtil i~crcin or iii rhc 

t'hai-tcr i.;r ;is pro\ icld h! applicable laic.. 
FOlill 08: CLR %'IFIC.%'rE Oi.' DESIGS.4'I'IONS 

F031 V XKlZt-tYT PREFERRED STOC'K 
[lftsrri tzuirzr qfP.i.srierjl a [corporatioil/"ba11k~baiikiiig asscciationj <irganizcd and crstitig 

uniicr rile !:t~t;s of tile [l~z'ilserf j~irisi~ictia~z c~jorgcliaiziiiiotzJ (the "lss~~er"). i!~ accordance ~vith the 

p-oi,isions ijf Sectionjs] [rf ofthi. [dr~sert rrpioficahfe stnfiitej thcrroi.. ttocs ilcrci7;; ci'riiij : 

? * I he boiird of ciirectors oftllc 1ssiii.r (the .'BO~IKL~ 01 Di1-cctors"') vr a1.1 applicable conlrniircc 

of thc Board oi' Direcioi-, in accordance \viii? the [/certific;lt;' o!' i!i~~)r~0r;ltioi1'3Ttic1es of 

associa~ionl and b~.ln\\.s] of'the Issucr and nppiicablc law. adopted 11-ie hll~\s.ii~g ~~csolr!iic-,i; 017

f creating 3 scri~:s oi' I@] st la re^ ofPrei2rred Stocl; ot'thc ISSLLCS dcsigr~ated as .-I:ixed fia~ 

('~~rn~ilativi. l3crpc~A I~reli'r~ed Stock. Series 1 el". 

. , IIESO1,ICrED. ihat piirsuan~ to the provisioils of the [cerrificu~c of incol-pora~ioi~!:~rL~~ics 

i?!'associaric~i~j 31lii ti-lc' b~,la\vs] oi tile Issuer and appiicabli. 1a:v. a series oi'1'referrctl Stock. pnr 

value $laj pcr sltare, of rile Issuer bc and hereby is creaicd. :;nd that tile designation ~inc! ii~i~ilbcr 

of shares of such series. an6 iiie voting and olllcr po\.t.ers, prtsittrznces anci rciaiive. participating. 

c7piionali or c)tflcr rigilts\ and the q~i3lifi~atior~s. linli~atio~~s and rcstriciions ihcritof. ol'lllc shares 

oI'si~ch scrirs. are 3s I'c~lIo~~s: 

Jkrr I. ucsiili~:ition and X~inlbei- oSShares. Tilere is t~crtsb?. creaicd out ofthi' ti~lthorizeci 

iind iiriissued shares of preferred stuck of tile Issuer a series of prcferrcd srock desigrlarcii as the 

--Fixed Rate Cumi!lr:ti\.:e i'erpctual I'referrcd Stock. Scrics [el" ilix '-Ekr;ig~i~~~! l'rcl~~-rcd 

-- Sti>ck"). 'I'he aulhori-lcd numhci- oi' sliares oi' Ilesigrlatzri Prrferrcd Stock shall bc @ 1. 

1'31-1 3. Standard Provisioi~s. The Stnnd;ird I'ro\*isiui~s cont:line;-ii in Schedi~ii. .-? :irtachci! 

11cre10 31.e ~IICU~POI-ated herein by reference in their eritir<t> and shdl bi. deemed to bi: a p;irt iif 

this [Ccrliiicatc of Designations] to the s;-intc cxtent as if such pro\.isinns hail been set for111 il? 

Si~ll herein. 

Part. ? Ilefiniriorrs I'he ioi1ou;ng terms are used 1n this [C'crtliicate ot'1)esigi;;ttiol:~~ 

(t~~clud:l~g the Standxd Pro1 islons in Schedule A hereto) n> dcfir~ed beI~)ii 

(ti) "C'ornfilon Stock" Ineans the corninon stock. par value S[e] per sllare. of tile 

Issuer 

(b) -.i)i\ idenci Pa\lmeilt Date" ~ncrins I'ehmar-j 15. May i 5, A~igus! 15 ;:11ci Noic111bc~ 3 - I 3 ol'cdch 4edr 
jc) ".I11!1ii1r Stock" n~e;iits itle i:on~~t~on Stock. f1trsea.f fifies qJ-cr~jt e-~isfirzg J~ulriur . .. ~t;'fof*h.] arlci an!: otilcr ~~ZISS os scr-ies oi'stocli oi'thc Issi~i'r ihi. ic:-ms of \vk~c!l e..;pi-c~sl\- pri?~ iiie 

hli ii I-~xI~:; jii~?ior [<I iksi211itic<l I>~-efcr~-ccl S~ock its io dividci;d rights ii11d;c)r ;IS TC) rights 

! iq i~idati~)~:. Jissc~li1ii~~11 or ii-illiilg iip o: the lss~ies. 

ic') '.\1:11imii11: -- Amoi~nt ' mi.,iil\ S[lfr.rert S rri~rorrtrt erlrriri to 25'6 of the (~ggregc~f~ 

ifca./itz cg the Be~igjinfer!' i.Prrferrrri Sf'toch i,~~lt'ti oil alrr Origitrnl Bsszir Dmiel 

jF) "Parit!, Stock" IIIC~I~S ;i11!. clas.'; or series i)i' JIOCI\: ofttic ISSLLL"~ (01110r t1131? 

I.>tsigi~a:c.il Prckircd Slack) the tcrins cti'\\Iiici~ iio IIC:~ e~pi-e~ji~. proi.ide iIl;li s~lch C~L~SS or scrics 

lvill r311k serli~r 01- j~iilior ti) 1)esignatcd Prefci-sccl Stock as ro di~iiier;ci rights and.or as 10 rigl~ts 

L~KI liiluidari(in, dissoli~iinn or :\.i~riling iip oi'illr lssiicr (in eacil case ~vithoui segarii io \i:l~elher 

dil'iiicnds accr-~!i. ctiinuiaii\:cI\. or non-cumal3ti\ ei-). M'ithoui liltliting rlic fortgoing. l'ai-it), 

Stock shall inclacie tile Issutr's t.lS.1' I)ri.lL.~-rcci Stock [~tnci] [ii~serf fir/e{s) uj'afrj: orher cci~s.~t~s or 

srriss Pc~rig, ,6dtockj. 

(h) -'I.S I' Prrkrrcd Stock" mi.ati, 1h2 Issiier's J;l\eii Rate C'rimiil~~ti\~e I'zrpctuai 

13ri.fcr!i.ci Stocl;. Series [a] 

Part. 4. C'errain \:otiilg ?\/j;littr?. [To br irtsertetl iftlre C/tcerterpr.oiliriesfir vafitzg iir 

proportion to /iqiii~ir~.tiotr prc.fL.r.e~tces: L'hether the \.otc or ci111szrli of rhe holders ol' a plui-aliiy, 

m;ijorii!; or otllc'r 1)orti011 ()i'tllc slia!.~s 01'L)rsignareil Prefe~~ed Strjck a~id any Voting Pzi-ity 

Stock has been cast or give17 <)I? a:?!. ltxlicr O!I \\:i?ic!~ !11c !?~liI~r': ol sh;:s~s of Designa!ec! 

Prefkrrcci Stock art3 eiliitled to \.ole shali bt iietr~-nti~-led by ihe Iss~tcr by rcfereilcc to the specified 

Iiiiiiidation amoiini o!'ille sl~ares voted 01- co\.zred by elic consen[ as if' the ~SSLI~~ WL'SC liq~idiit~d 

oil tllc rcc~)rd c1ate Ibi- such \.oic or consent. il'an)', or, in rhc absence o1.a record dale, on the dare 

for such vote or conscni. i-c?r prisposcs oi'cietermining rlte voting rights oi'rhc Itoldcts of 

llcsigtlatcd t-'rc!i.rreil Slocl; ~111cit.r Section 7 of tlie Stai~iI~il~-ci i'ro~isioiis li)~-~i~i~ig par1 of Illis 

[C'er~ifjcatr oi'ilrsign;~tioils]. each lioider \\:ill be enriiicii to c?nc \loti' ibr zach $1.000 of 

iiquidaiiolt prcll.rcnce io \~hicli such lloidcr's shai-zs arc e~ititiei-l.] (7b be iizser&~J ifflie flzrirtei 

thr5 rlnf grriivide for liotiug ill lrjr(q)orfiotr fo iiqt~id(itioil ~1rL7jLIrrtzce.s: Hc)l(iers oi'sl~arc~ of 

Ilcsignritcci I'rckrrcd Stock !vill be i'nlitli'ci io OW :;ate fbr each si~ch s11a1.c 017 an)' rilattci on 

xi~hiclt holdci-s ol'tjesignated I'rel>n.ed Stock arc criti~lsd to \.oti.. inciuding ail!. action bt i:'i.itrc;l 

conscnl. 1 

- -- - - . .

' It' Issue: desires ro isskit siial-cs iviili a !.iiglic: iiollas ainounr liquidarion pseiki-silts. licjuiiiaiion psefert-nce 

references u.ili be rnodilicd accordiilgly. iil such case (ill accordance with Secrioli 4.6 ofrhe Srcuriries 

1) ;ii~llrse -- Agr,-eiricr~i). the issues will hi: reqtiired io enier ii?io a deposit agrsri.ri,-i~t, 
BY: 

Name: 

'l~itlz: 
Sccric!~? i. -- <;i.ni.rcil Martcrs. Each s11:irt ol' Dt'sjgnatcd P~-eft~-i~d S~irch. sl?nll br iijcj~iicai 

in rill respects to CVC'~;: (-)I!ICT .~hiii.~ ~f llc~igxlatc~f Pi-ckrrcd Sic?ci;. The Dc.sigr;arcd Prcfkrrcd 

S~ock shall be j)i'l.j~i'~t~al. s\II~Jcc~ t11 !hi' j)ro\ isiolis of' Se~iioll 5 of these S1and~1.L Pi-ovisions ti231 

li~111 3 pa-I oi' the Ceriiiic;i~i. o!' Design:irioi~s. The Iksigna~cii F)reSen-cd Stock sha! I rank cilazlly 

.. . ~vili? l'iirit! SIC:^^ 3fiii shali raiil; srilior to .lilnior Stock wirh iespcxi ro tilt pclynicllt c,i^:fi!..iiic"ird..: 

::nii the idi.;rrihiitian oi'assrts in ihc c\,enl oi' an). dissolulion. iiqt.~iciatiitn or tvinciirig "11 ~t'1iic 

Issacr. 

(a) ".Lznr/rto~~ri;i~g, i:ecitral Bitnkiile .iieenc\." mcans ~IIL' ";ippr-opriaie Feiii.1-a1 banking 

agency" \iiti~ rcspecr lo rhc lysticr as clrfiiled in Secrion 3(q) of the I2eder;!i !>eltosir 1i~sul.crnci: 

Act (1 2 U.S.c'. Section 1x1 3(cli), or 3" s~~cccssso [i-'rm'ision. 

ib) "Hnsiness -- . I.'ombi:lation" mi.a~ls a r:?i:rger: coilsolidtiti<tn. ~iariitor)~ ,share 

cschangc c?r sirnilai- trrinsaclion ~liar rziliiircs the appr~\~al of the Issuer's stockholders. 

c "13~1si1icss - -- Ilu~(" mzcins an?. day csccpt Salurtlay. Sunciay arid any day oil \illi~li 

banking ixisritutioris in the Slate ~1'Ki.s~ York ge~ierally are author-i~ed ox- rcqt.iired by ialv or 

i3thcr go\'crrinli.!1t3i actions 10 close. 

(d) "I??-!;!\?-s" means L!IC Ib;:!a~vs of !hi. !ssut:r. as [!ley may hc amencied iiom iimc io 

~~JIIC. 

jci "['crtiticatc oi'Ilesi~!x!tioils" 1:icanr; the Ccnilicatc of Dcsig~~atioi~s or- comparable 

ix1stl.timent rciati~lg ti) tile !.>tlsignaici! 1':-cferreci SLacli. oi'wi~ich ihcsc Starldrird i'ro\:isions tbrrn a 

PSI. as i: mci! bc anii.~~ili.c! kon~ time ro rlr:lc. 

(i) --('l-ia!-~e~-" -- iiiuan?: tilt Issuer's ceniticatc or a~-ticlcs of'incorporarion. articics of 

association. 01- siiiiiinr i)rganizaiiuiial documeilt. 

(2) *'Xli\ ~ij~x~ii I~erioCiii 11;is the inc2nlng sct ii)rth in Sectioli 3(a). 

"lli: idt!lcl Record --- Dare" has the ~ncanlng set forth in Secliun ;(a). 

!i --ldiqiiic!riticji; Pi'cfi~rc~~ce~~ has tile meaning set forth in Section 4(a). 

(.i 1 .Y_)hjzi~i;>! ~SSLIC !larc" means i!lc ciaie on ivllich sllarcs of Dcsignr~rccl Prefix-red 

Stock arc fir~t is~lli'ii. 

(k) '-j:hglZn:ed Directof' ha.; the mcani!ig se'i forth in Section 7(b). 
~III j ..<>iialjdcd i.:ii~iit\. Ot'fcrii~i?" i:~c;~n~l": s:i1c anti isxi~ance ii)~ cash 17) [hi. iss~ic~ :(I 

lxrsolis o11:i.r than ihi. 1ssni.r or arl!, of its subsidiaries niic~. tllc Origilial ISPLI~ Dare <)1'si?ares 01' 

ix~-pcii~;~l !-'l.ciL.rr-i.d Stt~ck. C'ozi~rion Slock or ;II?! coinbiitlitii?~; i)I'such si<i~I;. rh:~r. ii~ cricil cii~i.. 

ij~~aliij, :is anci im\- hc incl~icicd in 'l'ier 1 capiial of tile Tssi~er ai the rimc of'isst!ai~cc i~it~icr :hi. s. ;tpplicable risk-hriseii cai:it:i! giiiiictiinzs oftl~c ISSLI~S'S i'ipgropriarc I-'cticr;li iiai-ii;i~~g .:'igrr?:'\ . . (o~ilrrhan an\ siici? sdes 2nd issuances n~acit' pursixmt ti) iigrceInel?is or ai.r:in:'-'; -b .11211iS Cl:tCrC<l 

illlo. r>i. pi.1fiil;l!ii to ':'i~;i:llci!l? plans ~vhic-11 ivel.~ p~ihlicl\. anilounc~~ti. onvr prior ic~ Xoi ~iiibi'r 17. 

20!1Si. 

(ni " Sranciarii I3r-ovisio~~s" n?c:ili !hcse Star~dard I1ro\'isioi~s tliiii ii~rnl 1;1'2r1 o!'tIli‘ 

("c~.iilicarc of I)csig~.iciiions iclating LO rile Ilrsignated I'refcrrcd Stock. 

((1) *'Sgxcs-sor i'_reSened Stock-" has tbc rlleaning ii.1 lijrril in Sect1017 S('ii 

(17) .,Voti~l~Pc?ri~v St(~ck" means. with t-cgarci tc~ any niattcr ns to t\.l~icl~ tile lioldi'rs 01' 

Ilcsign:~red Preferred Stock are entitleii to vote as speciGcd iil Sectiolls ?(,a) and 7(bi oi'ihese 

Stnndar-d I1n!\.isiolis that fnnn a pa-t oftl~e CIertificate of Llesignations. aii\, and all scrics 01' 

I';irit!. Si~cj; lipon 1,vhich like \*oting rights h:tvc been conSer?-ed anci nrc osci-cisable ~vitli resI't'ci 

to sucl-I rniiitcr. 

(a) m. I-iold~rs of Ilssigilated Preferred Stock shall bc i.ntii1i.J ict I-cccivc. on e:tch 

sharc ol'I)~si~i:ared I1ri.i;.r-red Stock if: as ar~cl when declareti b> ihe 13oard oi'1)irrctor.; or a;?!: 

dul! authorized comii1it.ti.e ofrhc 13o;li-d of Ilirectors. but oi-11~. oui of assets legall?. ai,silab!i. 

ti~ereibr. cill~~uJaiiye c;isii ~livici~nds \+:it11 respcct to each I>i\.iilrnd f'cr-ioil (11.; dciillcd bclo\i zt a 

per anni.rm rare ot'9.O% on ji) the L-iqtiidation Amotinl pel- sharc of Ilcsigi1:iteii I'reitned Stock 

2nd (ii! 111c aillOuJlt of. zccri~ed and unpaid dividends iijr an!. prior Diviciei~il !'trio4 oil si~ch sh:i~-c 

of Ucsignntctl Preiki-red Stock. if zn!.. Sucki dit icltnci.: shall begii-I ro accrue anti be crimiil:iii;.e 

tiun~ il?~ 0rigii;al iss~ic !hie. sliall compoiund 011 cacl: subscq;ient rli~.iclcr?~i I'a!.~-nirr:: Dale (i.c~. . 

110 ciiviilcr-ids .;I1311 ;iccriic on other dividends tlr~lcss a~~ti until the i:ii.st Dividend I'a\.n~eri! I);itc ihr 

such :,ther ili\~iili.~lcis 113s passed \vithout SLICII other iiividends: i-ia',.iiig beeri paid on such iiatc) arici 

shall be pa!.ablc qiiancrls~ iii arrears on each Divicii.~-id IPri!-mcnt Ilati.. comnlcncing n,irh tllc iirst 

such l>i\.idcnd l-'a\:iner~t Oole lo occur at least ZU calrriiiar days alicl. ihc Originr-11 Issiiz Ilati.. !11 

the ;.\eni iha: an\: Dii~idcnd Pciymcl~t Date isould otlicri\;ise fall on a day that is 1101 3 Busincss 

Llity. the iiii!iiicnil piiymenr due on tijar dax \.\.ill be postpoiied LO tl?c next Jay tflal is li Rusint:ss 

ila) and no additional di-k~iclcncis will accrue as a resirit ofihat posiponemcnr. l'he period f:-o;il 

and incliiciing any Di;.iiienii Pa\,rilzi;t Daic to. bu! csci[.iciing. the nest I>i\.idrnd I'al-nicilt Diitc is 

:I "Llividcixi iferiod". pro\:ided ihat the initial Dividend Period shalI be ihi. pcrioci ii-c?m and 

inclrtding tlic Original issue Date to. but excluding.. the nest Di\,iJi.nd Payment llate. 

1)ividcilJs tliat :ire payable 011 Designaxed I'~-ekr~-ed Stmk ill rcspeci of ail)- Dii.iifeild 

I'criod shall be cornpureti on thc basis of a 360-day year consisting ot'txvclvi: ;()-day months. 3'hc 

al?iount ctf'di\.idends pa>.able on Designaxed 1'1-ckr1-eii Stock on any date prior- to [hi: r;~d oi'a 
i3ii,icic11ci~ i]:;;~ ;3;!! s!>lc (111 I]L~sigll~~cLi f>j-cf~yjyd St(,,cl< <>;; Zrl! [ji\,iLjcile {';;>.ii1~!:! I):j?c 

\z.iI! be pa-\.a!7li. 10 iloldcrs of record or I)csigfialcd J'l-clcr-rcd Stoclc 2.: lllcy :t;l7pi.ar oil ihc s~ck 

rc"sirr ol'ihr isslier 017 iIic iij>pli~:ihlt: rccoi-i! iiatc. ii,hii.li s!lc~!i bc thi. 1 Sill c~~icnciar ih!. 

imn?cdii:i~i:, prcccdii~g siiuh Di\,ic!c~~ci Pa!,nlc~ir tlarc or suck otlxcr record d~lc fix~ci i7~ lhe 

Hoaril r)i' Ilirectors or riiil iit~lj. :i~:~lioi.i~ecil commit~ee of the Board oi'Ilii-~~i~~.s tli;tt is noi nlore 

t11ar.1 69 nor less th3n !(I iiri!~ prior. to such Di\,iilc.iid l'ay~nent I>a;c icach. ii "Dii~icicnd Rccc>rd m'.). :iny sii~!~ tlti> tl~iit is a Ilividr!ld Kecoril Ifntc shall bc 21 Eli\ iiicnci. I.(ccord i1:llr ti:'!~c~hcr 

or ntlr sucii ii:~~. is a R:~siiic.ss 13;iy. 

Holders oi'Lfesig~?;it?ci PrciL-rrcci Siock sliall not br eniitieci to an!. iii\'icieniis. i\'li~~/lCr 

pv!;"bli. in cnsll, ~eci.lri~ies cir oiher pri)pe~-t~., i)tll~'~- il1:iil ciiviclri~ds (il'aiiy) deciared and pa>,:xble 

011 I)i.signated I+c.fc~-red Stock us spcciijcd in illis Section -< (subjeer rc? [be othei- pro\.isions o!' 

tlic Csi-til<catc oi' 1lesig:i:iticins). 

(b) ~~<~~&~~..I>i~@<jjii.~. Solo~~ga~an~~shareo~l)c_.signaiedIri.fL.rrcciStock 

rcrnaiils outstanding. ;li> tiividend oi- ctis:rit~~iii~fi: ~h;lIi be declared or pliid on the C'O~~TIOII Stock 

or any othcr sliarcs of Sanior Stocl; (olher than iiiiv:iIzilds pajrable solel>, in shares of C'on;lno~! 

Stock) or Pal-ity S!ock. subject :o the immediatel!; folloiving paragraph in rhe case of Parity 

Stock. 2nd no C'cin~mon Stock, Jt.~nior Srock cts Parit!; Stock shall be. directly or iniiirectil~.. 

purehas~'d. rcdee~ncil 01- otlier\visc acclt~ircd fr11- coi~sidrraiic~ii by [hi. Issucr or ally of'iis 

subsidiaries 11nless 2111 accrued and ur?paid diviiiznds lor a11 past Ili\-idenii Periods. inclucli11y the 

latest compirrcd Di\ idcnd i'~i.ic)ci (including. ii'applicabic :-IS pi-o\,iiirii in Si.~tioii ;(a) iibo\'~. 

ifi\,icirntis on sucli a;lmliiltj. on rill outstanding sl-rtii-cs of IIi.~ig~i;iteii 1'reii.n-cd Stock h2i.r bcen or 

are contempora~:ei,usi~. Jcciared and paid in full (\or i.~a\,e bwn dcc!ared anci a sum suil'iicitlnr i;tr 

ihc paj.mr.nL !hrreofI?as been sei asicic lit;. tlic bcnillit oi'tl:~ 1l0lde1.s t3fsha1-es oi'De~ignat~d 

j>I-cfcl-red ot :I. i)n !.!~i: applicable ~.ecord i$:irc]. 'l'he hrcgctilig limitation sha!l nor apply T.O (i 1 

rcden~prions. pi~rchnscs iir othcr acq~~isitiorii; ofs!;ares oi'Con1111i?11 Siocl; i)r othcr .7u!1io1- Stock in 

conneciio;: iiill~ tiic ;icin:iilistrstion ol'an!) enlpjo>~t:c berlefit plan in the ordinar-! course 01' 

hu~i~i~ss r:ili! co~isistenr :j.itil past pr:icticc: (ii) the acc~~~isiiioii b> tile Issues oi. arry of ils 

subsidiaric.~ ofl;ecosci oil nership ii1 Sunior Stock 0:. Pasit!. Srock fol- the brrieficial o\~,.il~r-ship of 

any othcr- psrso1is iother than the Issuer or a!ly of its s~~bsidi:a.iesi. incliidirlg as trustees or 

cusiocfian.;: and (iii) riic cschar:gc or corlver-sic111 of Juiiio~. S~ocl; for or into other .T~i~ii?! Stock or 

oSI':irity Stock lor or inti: ciillcr Pi~rir~. Stock jiviih the sanle or icssci- aggregate liqiiidatictn 

amount) 01- .lunior Stc>ck. in c;ich case. snirl); to the extent ril'quirecl pursuail: to binding 

concractucll agsccrni'nks enitred into prior to thc Signing 1):tte or :In); s~tbscqueur agree~i~ent k?r 

!lie :iccclcratcci escrcise. settli.ment or exchange rhcreoi' fijr iTo~.nmon Stock. 

Wilcn di\!idsr?cis are I-lor paid (or declared and a sum sul'ficienr i'or piiymcnt thereoi'set 

aside for the bcnciit of the l~cllclers thereof on fhc applicable ~ccord date) on any Ilivide!~d 

Pqment Date (or. i!i rllc case of Parity Stock i.la\-iii~ iiividcrid payment dates different fro111 the 

Ljividcnd 13ayn~ciir Ilares. on a dividend pa);n!cilt date falling within a Dividerid Pcriod relriicii io 

such Dividend Payment i:Iate) in fi.!li upon Uesignated Prel;-n-ecl Stock and any shares of Pariiy 

Stock. all dividends dcclal-cd on Ilcsignated I'rcfcrrcd Stocli md a11 such I'arity Stock and 

payable on such I.>ividend Paymeilt Date (or. in the case of Par-it!. Stock havirlg di7:idend 
p;1! il~ei.iiiiiti'~ (!iii'iL'rc~ii i'i.of21 1112 l)i\ iiicnil I'a:, 111~1it fIii{cs. on a ti;\-idciiti p;i:cnlcnt iiaic i',iIiing 

1: ii!iin !hi: Di\.iiieilii l'cri~d rci:iteti to sucl: Di:.idcild i)aj mcnt L1;iii.) :iiaii be deciarcci pi'o ~L:!LC so 

tk:t ilic rcspccri\ i. umoiints of siici~ iii\,idends :ic~ciarcd shall bear t!:c sa11ic r:il!c) h.1 c;icil (>ili~,'i 25 

P. ;ill ;iccr:ica :;ln~i u~:pnii'; dii icicnds per shar-t. oi: the slrsrcs of Ilcsigna~cil I'i-cfcrrcd Srock 3 ~ {iilcl~iding. il':ipplic:ihlc r!s pro\,iiicii ill Section ahoi,e. ili\ ic!ends 01: si,1c11 niilot1i2i) :ij! 

l3a!-il!, Sicich pa!,;:hIe on siicli I)i\ iiicnil Pa!.liicli~ Date (01.. iii tile c;isc' of Pririi;v Sroch l~a\,i!-iz 

di\,i~icnd payincnt iiaics diii>rcnr isom the i)i\,idcnd Pavincnr Ilatc.s, on a di\.idcnd prt>rri-xn; dae 

I;.] .. 1 : !!IILJ ' ii iillin ilic Ui\ idc11c1 ?ei.lod ~-i.i;ltcd to siicli I)it:ideiiii i'avn:cr:i t'>atc) isr:b,jccr io t!ii'ir 

1. r,t\'iilg .- i?ccn Ji.clii~.cc! i~> ill~ Board (:I!' i)iri.ct.ors oi. a dulj. arithorizcii corni~iirtec oi'lhc Boarci of 

iIi:-ecrol-s oiit oi'I?cy11~ ,,:,ii;ibic iiinds and including. ir? the cast. (?i' Pariry Stock ihilt hears 

ciln?uia~i~.c cii;,idciids. ail nc~ructi but unpaid di:iiientis) bear to each oilier. Ii'thc Doarc! or 

!)ircc~iirs or :I dai:, :xi:horij.cd ci>minirtci. c,ftl:i: Ronrd of 1)irccio:s cieter~?li:~es not ;o p;iy :111!, 

iii\:iiit:~:d 01- a fi11i dividelid on ;? i'>i~~.icictnii I%>-iilcnt Ihtc, the 1ssiii.r n,ill pro\.iiie :s.iitrtii ~~oricc to 

the holders of I>esig:lstcd I)rei?rred Srctck prior to such Di\,iilenit I'a),i~~~.nr IJac. 

S~tbiccr to ihc f'orcgoiilg. ~nd riotot!;cr\visc. such cii\,Itisncis [pu~rtbli. i11 cash. sect:r-iiies i>r 

oilier ~roperi~\. ;as miit. be cieterlnined by the Rotlrd of Direclot-s cir an!, duly riuthorizeci 

co111mit~i.e iil'ihe Board 01' Direcinrs ma), be dcclarcsi and l~id 011any s~c~iritii's. iil~l~dilig 

Co~nrnc-)~; Stock and orhcr Junior Stock. ii-om rime io time out of any filncis legally available Li.tr 

s~~cll paynlenr. and llolders of Desig~~ated Prekrred Stock sball not bc entitleci tct parlicipare in 

an!. such di\:ideniis. 

i:?j Voii1111:iry or I~~~oli~r~i~~r~~ Licji~ida~i~n. 11-1 the C\XI>I c)~-;IYI~ iiij~iidaiii)~l. ciibsoi~itioi? 

or ri,inc!i1-19 ii!? ol'rlic :ii'fhil-s ol'tlle Iss~icr. \i.ltctl~cr voiuntnr~. or involuntar~.. holders oi' 

Dcsigi~;~tcd Prcfcrrcci Si~ck shall be en~itied to recci\tc iitr ezch sh;ire of Ilcsignnrcd i3rei2rreii 

Stoci,. o~ir 01' ihe assets 01'liie issucr or proceeds thcrcof (~\,\-licthcs cilpital or surpius) at'ailab!c hr 

ciistrih~!tion to stc)cl;hoIders i?Pthc Issuer. st?E?jecr to 111e rights of :in? creditors oi'rl:e Issi~er. 

heli~i-e tii~y disiril>ution t~l'silch assers or proceeils is nladc 10 or st.! asiilc ijlr tlic hoiiicrs of 

C'ommon Stn~k ailti any other stock of'the 1ss:lcr ranking junior to Ilcsigliaieii I)relkrred Stock 3s 

to such tiisti-ibt~rion. p;l!,mcnr in fill1 ir; an amount equal to the st~r!i oi'iij the 1-icjuidation Amoi~il? 

1x1. s1;;11-c and iii) tile al~lount of any riccrued 2nd :~npaid dividelds (incltiding. if applicr~blc as 

pro! itlcd irl Scclii?~? ;(:I) :ibovc. di\;idcriiIs on such a~noiu~t). ~vhe~!?cr or 1101 dcciareil. to rile dale 

(~I~~~I~;III~:I~~ (s~ich ;?r~iot~iits c<il!ecti\!ely. ~lle .-I,iii~~iilaii~>~l P:-e~kre~icc.-). 

IJ:irtial P~vII~~I:~. IS iii 211). distt.ibuiiori described in Section i(a) above il~e assets ( b) 

of thc issuer ur pn?cccds tlii.rcof3re iloi ~~~l'fi~i~ii! iO pi13 iil ii~ll tile al~~otiii~~ payable \i.i:l? rcspcci 

;ill ~~iits~andir~g shares of Designated Prc!i'~~ed Stock and the ccin.espo~?ding anlotints pa>,able 

\\,it11 respect of any otfler stijck of' 111e Issller rariking ei~ti;ill~. iititli I Ii'sigil;i~e~i Prei'trrzti Stock as 

to SLICII ilist~-ibutio~i. holclers o:'Desigrxited I'rei'erred Stock and tile Ilolders of sucii otiier stock 

s11:1ll sl-r::rc r:ilablj iii any silcli i'iistribtltion in proporiioi-i I(> the fi~il respective dis!ribuiions io 

which the) arc eniitled. 

(c) ltesiciual L)is:nbutlons If the Llqu!d:~t~on Preirence has been 1md ~n full io all 

holder, of Dcsignateci Prekrred Stock 311d tlie correspo~iding d1ilOUntS p'lyablc nith respec: of 

;in? uthel stock ol the Ibs~ierar;h~ng ecluall> t51t11 Designarzd Ijreferreil Stock as to such 
clis~rii~~iriur~ 11;ls L~CCII piid i!; r~i11;. the j)Old~r.s ofoil2cr st~>cIi of~hc Ixsiivr sIIAI ~JC ci~ri~led 10 . . rccei\.e ail rci?i2~n~ng asscls ol'rilc lssucr. (or proccciis tl~c.i-col'i according to their i;.ipccr.i:,c. riylxs 

ailri J;:'L'~I.~~ICC~. 

, t 

. .'vfi'rci'r. Coi;soiid:1ii(>11 aizd 5;~l&ils~cts Yo( iaictuidation. For prirposcs o1';hl.s 

Seclio11 4, (l:c 12-~crgci- c>r ci.?~si.~lic!~itic~~~ of tiit lssi.ier with any c>tticr co~-por:iiior~ ciro~t~cr c~lti~~.. 

inclriding a nicrgcr or cousoliclarion in i\.hich rile holders of 1)csignare~i Pi-ckrred Stock rt.cei\.e 

c;lsll. securltics or oiiicr j~ropci-I). ii~rheir sl~ares. or 11:e s~.,lc, Ieits~ or sschangc (for cash. 

securiries (sr orl.lcr pri>pcri!() oi'aii or siiibst;ii-iriaii. al! of'rl~c asscrs c~f'the Issuer. shall no1 

coiistituti. a liijiiiiinriiin. i-iissoiution or \i,inciins ol'ri~c' Iss~ii'r. 

(3) 00ti0n;ti Rcdc.i~~~?tici~. i:sccpr as provided belo\\., the IIlesignaicii I'rcikrreci Smck 

ma). not be redee~~~e~i lxior to [he l3tes of'( ii first !Ji~.idciid L);IYI?ICII~ llate faliing or after [he 

rhirtl ;tnni\,crs:iry of the Origiilal Isst;c Llatci: and (ii) tlie ciare 011 \i.hich all outsrantiing shnres 01' 

!..iS?' Prri'trred Src?ck !la\,e been redeemec!. repurchased or- otiicrwise acyuircd by the ESSLIS~. 011 

or afrer rile lirst Dis.idend Pa)..mc.nr Ilaie faL!iiig 011 or nlier the thircl anni\:c:sar.l; ofthe Original 

issuc Date. the Issiler. rii irs i)lttic>~~. subject to llle ap],rov~tl oi'tl~c 3.1:propriate Fddcral Raiikiiig 

Agency, may reclcen?, iil ~vhoie or in part. at an!. tirne and front timc to iimc, our ofSiincis iegallj, 

:i\,ailah!e thcrcSor. the sharcs ol'13csigt1ateti l'referrzti S~ocli at the tilac outsianding. upon notice 

given as pro\,i:leii in Secrioi; Sic) beioiv. at a redcn~ption price ecltial to ills suin of (i j rlic. 

i.iiluiilatioi~ An~ount pcr sli~irc ;inti iii) except as ot!icr\t.isi. provided brlo~v. ;lily accrc~til anti 

tinpciid di\~idi.nds i incl tiding. il';ipplicnhlc as pro.i:idc.if irl Scc~iori 3(a) :~ho\.~. i!i~.iiiends on si~cl? 

a!~iuiint) (rcgardlcss of i~l~citi~~~ ail! dividends ai-t. ncluall:,. declareii) to. but <~cliidir;g. rhc. da:c 

5scd iici- reCIc111pti~j11. 

lu'ot\i.illisranc-iiilg fllc forcgoii~g. prior to ths first Di~,idcnd Payment Dste 1':iIling on or 

after tile third an~:i\,crsar). of the 0rigin;il Issuc Ilare. the lss~!er. ai its optio11. siibject to tlle 

approviii oi'rl?e ,4ppropriate I:cdcrd llaiiliing i\gt.nc!: and s~:bject to tlic rcquirernenr that aii 

:,utsianding shares o!'ilSl' I'refkrred SrocIi shall previously ha\,c bceii rcdeerileil. repiirchascd 01- 

otf1cr.i~-isc acquireil by the Issue:, [nay redeem. in \vhoie or in part. at any riinc and from time tit 

iime. ~hr shari.:; of Designaieii I'rcf'crrcd Slozk :it rl~c iii-iic. ouistcinding, upon norice giveil as 

prctviiied iii Scction 5(c,1 heloiir. at n rcdcmprio~t. price equal ro the sum of (ij rhc 1.iyuidation n .. .-,i~~ouiii pcr share 2nd (ii) except as otller\.a,ise pro\.itied belo\,v. atiy accl-ired and unpaid 

di\.idei~ds (including. iI3pplicabli. as provided iii Scctioil ;(a) 3hoi.c. di\:idrrids on such a:iioilnl) 

(rcgardlcss iif~vl~et11i.r :';n>' di\.idencis art- ac;~.lallj. cisciared) ro. hui escliiding. rhe dare fixed tor 

redemption: prrtvii/e,ti ~iiat (x) ilic Issuer ((or anlr successor by Business Combination) ltas 

recei\,ed ag$rcgaie gross prttcccds ~~'IIUI less than the h~[i~li~?:unl Arnounr (plus the --l"vlinir;ium 

A!nount" ns dcfincd in rhe relevant cei-tificatc of designations i;)r each other outstanding series of' 

preferred stock of siich successor that was origirlally issued to the t'nirecl States !>epartrncnt of 

rhe 'I'reasury (the '.Sii~~ggs~r&~[~rreci Si~>ck"? ir! conneclion with the '1-I-oubled Asset Relic.!' 

Progi-am CapikiI I't~c11ast' Pi'ogr;lnl) i?om one or niol-e Qualified Equi t!; Offerings {i:lci tiding 

(I)t~aliiied Ecj~:iry Oi'icrings of such successor). a~ld (?j rhc aggregate retIernptio~i price of tlic 

Ilrsigriated Preferred Stock iaxcl any Successor I'refcrrcd Stock) redeemed pursuant lo this 

paragraph may nor exceed the aggregate net cash proceeds reccivecl by the Issaer (or any 
. . Tli~ r-eiicmptiiln prtce ior ail sl~iu-es c)i'I>esigilaieil P~-ekrr-e~i Stock sl~all I:e p~) :l'nic oil . * tile rildenlpiii?~~ dale t~t 11:e l~oldzr oi'stlcl~ sham iigainst sinl-ender oi'thc: ci'rti!ic3ie!', t\'jiicnci~g 

SULII s1;:ircs io the issiicr or iis :;gei!t. Any declai-cd h~it iinpaid iii\.iiii.i~ii~ pa>,:ibic i?ii a 

rccien~piion date ih3i occurs .subsccll:cni to ihc 13ividerid 1iccol.d Date for. n I>i\-idcr~d 1)ti.i-ioJ sii;i!l 

~?c>t he ['aid It? the l~older ~i?tiii~'i3 10 r:t:i:ivc the rei!er;lpric?i> prici- oil rl?r !-ecieinptioi! ilrite. biit 

icr hall be paid ic, ti-is hnidcr oi'rccc!~d oi'ilic redcemeii si1;ires on such L)i\.i:lenci 1icci:rd I>ntc 

reiating. to tlic J.li\.idcilc! l':iy~nc!-it llarc as pro\.ided it1 Sccric~rl 3 abo\,c. 

(b! KO Sii~kiilr! l'uncl. T!lc Dcsigr~atcd PreiL-;-i-ccl Stock \\,ill 1;ot t~ sul~ji'c; 10 an! 

i-i~~ndaror;~,cciemptioil. sinking ilind or otlier si~niiar pr-l?;.isions. I Ioiiicrs i!i'I.>c.sigr:ait.ii i're!crrcci; 

Stock \%.ill il;i\'i. lji> righr ro rei]uire redcmptictr~ or repurchase of any shares :,l'Dt.sigrtiitt.il 

Ijrcikrrecl %lock. 

(c) Norice oSRrlderni~iioi;. Nozice of es.ery sedclnptioil ni'sl?ares vi' Designi~zed 

Prel'erred Stack shall be given by tirst class mail. posiase prepaid. addressed io tilt hoicicrs of 

rccorci or the shai-cs to be re(ieei11eii at their sespectivt la~i addresses appciiring on rhe books at' 

ihi. Issuer. .Such rnililiilg shail be at leasi 30 dctys and not more ihai~ 60 days bclbrc rhc cintc liscil 

!i)r reiie~nptioi~. Any notice mailed 35 provided in this Subsection shail be concliisii.cl? presrii~~ed 

1. I. 1,4\i' .- bw~: duly gi\.cn. u.l?sii~er or noi tile holcier recti~fcs such notice, but t'liilal-i. dul>, ic) 2ii.c 

SLIC~ notice 'n!. mail. 01. a!;!. dcfcci in siicl; noricc or ill the r:laili;ig tiler-zol: [(I ;II?> I;o!der c!i'sllarcs 

of J3csignati.d Prckr-red Stock iitlsignateti ibr rcdcrnption shli [lor ~ii'lt-ci :hi' inliciit!, ni'tlle 

prowedii~gs for ;lie ri-iici~~piiiiixjfal1j ot1ii.r siiares of Dcsigila~eij Prcfci-red Siocli. 

Noti\~iii-israncIir~g the iilregoing, if shares of Oesi~ilatcii l'referreti Srock arc issued ii~ book-enii.!' 

ti~nu ti-lroiigh The Depository Tr1.1st Compc:t~y or any orlilcr simiiar hciiit!., rloiici. oi'~-cdci-l-q~lior~ 

rx:i). be givcn to d~i. holdtss of Designarscl PrclL.rrcc1 Slack c:i stich iinie and iii ;111y innnncr 

lxsnlittei! b!. such f;icility. Eacl~ notice of rcdcnlptiotl gi1.t.n to a holii~.r shail state: (1 ) rhc 

rciien~ption date: (3) the number of shares of Dcsignateii I'rei:rred Stock 10 bc rciiccn~cii :ind. il' 

less tllarl all the shares heid by such holdcr arc to be redee~iled. ihc nun?bcr ofs~~ch ~hiii.~": it: 17c 

rcdccn~cci horn such '!:oldcl-: (2) the rcdc~nption pricc; and (4) the piacc or placcs \vhcrc 

ccrti ficiii~s ii)r SLJC!~ si~iir-es 31-e LO be SLII-I-TI~~~~~~ for pa!.n-ieii~ of'ihe rcdernption pricc. 

(d) &r&i lie:ie~?~aiiol~. In case of an>. rccten~ption oi'parr ctfi1:c shares uf i)rfsiyiaie:l 

PI-ci>rrcd Stock at tile iilnc ~)uistailiiiilg. the si~ares to be rciicemed shall be selected cii.'is! pro 

!.ii!ri or in such i)thrr 1tl;iililzr as the Board of Directors or n ciuiy aat1101-izeci cornrnirtee rhcr~ol' 

rnily tieresinice 10 be his and ec;uitable. Sub.ject io ili~ provisii?ns hcrcoi: tilt. f3oar-d c;i I>irecto!.s 

or n dulj :tutho!-ired co~-ilmirtee tl~ereofsi~all liave iilii power and authoiil? to prescribe rhc rcrms 

and ciinciirions up011 Ivhicl; shares of Dcsignareii Przfi-rred Siock sliail be rcdccnic~i fro!?? time to 

fiinrl. if lZ\vtt- illall all ihe shares represented by any ccrlificate are redeemed. a ne\v ccrtiiicate 

shall he issueci repl-cscnting the nnredeemed shares witt-tont charge tu rt~e holder il1ere0f: 

(c) Ei'F;ctivcncss of I?cdcinption. ISi-lo~icc of redrnlptiac 112s bci'n dul:. gi~~cn al;dif 

on or betbre the redemption date spccilieii in the lloriee ail iiintis nectlssarj- hr Ihe redrmptior; 

have been deposited by ihc Iss~ies, in rriisi fbr rhe pro r.ci/cl benefit o!'the 11oldi.i-s of thc si~arcs 

cailcct fos rede:nption. vvirh a bark or trusi cornpaw doing business !I; the i3oroagh of 
(i'j --- Sr;jius ~j' Rc~ii'el-ned Siic~res. S1iarc.s of 1)esigna:ed Prcfcrred Sioch r hai ass 

rcdccmcd. rcptircilascd or oiherwise acqaircci b!. 11-i~ issuer sliall ~s1.e1-1 io ~lilihori~cd b~ii !iilis~iicd 

s1;:ires of Prcki-red Sti3ck (p)-o\'/~/ed t11ili ;in>- slicli ea!iccllcd sliares oi' Designa~ed Prekned Stocli 

ma;. be reissited i111Iy as si?ares of ariy scrics oST'rciL.rrcd Siock other rlian Dcsignatcci Preferred 

SIOC~~). 

Section 6. fi>1i~crsii311. I-loiiicrs c~i'I>csigiiaiect 1)rei':rrcrd Stock shares hail haire nit righi 

i~? eschangc or coil\ ci.1 SLJC~I s11ii1-es inio ;irv. oii~ei- secu~.ilii's. 

(3) (iejlcr8j. 'I'jle holtittrs i:filcsign:ltcii PreiLrrcii Sroch shall not havc nil)- voting 

rights csccpr as :;el Sol-il; !,elo~:. or as oti:en~;ise lyr?rri timc io tiinc rcclajrcd b!; !nis,. 

(b,) iJs{cr:ed Slcick D::i.ctors. \J,']?i.nc.\.cr. ai ;;j?\i ti1112 i>r ti!li~, i!i\ri&niis pii>.il\bli) 011 

ihi: shzr-cs (11' Dcsignalcd Preferred Stock ha\:? not beer-, paid for an ngsrsgnte ofsi.\: qua]-teriy 

Ili\.idcnd Pcrioiis or inorc. \vhcilrer nut conseci~iivc, ?he authoriied number ofdirccto~-s of tile 

Issiicr shall ii~itomritic:i!!y bs incrtased by tv,~ 2nd the holiicrs of tlic Dcsignatcd I'rci-itrreif Siock 

shall ha\c rhc rig1-t';. \virh holders of slinsts of any onc or inoi-c other c1assi.s or scsirs of Votiilg 

Parit). Stock o~itstanciirlg ai [he iiii~~. \,oiing togcij~~~. 3s a cia:;s. to elect tis/c; ciir-i'ciors (~cI-i'inafier 

thc "f'ref.~l-rcd ili~-ecti~ss " and ~~icli 3 "I'rei;.rreii Ilir<c@!. "j !o till sucll ne\i-ly created 

iiirccto!.ships ai r!lc Issi~er's ixli airr~~lal i~lcetii~g ofsrc~ckholders (or a! a s1:ccial mcciing cr:!iec! 

ibr that pi~rpose pi-ia1- ii? slicl~ 11~x1 aiinuai ince~ing! and at each suhsequcnt anr~k~al met.ii~lg of' 

stocl;holdrrs tiiitii 2311 :iccri!ed :inti unpaid di\.idcnJs 5)r all past Ijii'iii~~~d I-'eriocis. inciudinf ii~c 

I;~~csI con.ij7!ctcd Di\ idmd Prrioci (includiilg. ii"a:lplicsble as pi-o\.idcd in Sccrion ;(a) abo\'i.. 

divicienik on suci-i a;lioi~ni). on all outstandiiig shares of i)esignateci Preli'rrcd Stock ha\^ becii 

declared and paid ii: iiiii a: ii.hich ti1112 such right silall tcriliii~ate xsith rcspcci .io ;he Designated 

Preferred Stock, escept as herein or by laiv espi-cssly provicieii, sitl?.jecl to revi.sting in the c-\.ent 

ol'eacll and every sr~bseqncnt dchult of tlic characier above rnentio11t.d: ivt~~.io'eti that it shall bc 

a qualification for cicctioil Ibr any I-'ret:erred ljisecior illat ihr clection of such Prcfcrred rlircct~tr 

shall not calrsc rhc Issrier ro \:iolaic any coryomie governancil requirzments of any secririties 

exci~ange or ot1it.r rradillg ?xilit>. (ti? which securi~ies ot'rhe Issuer Inn? tlicn be lisrcd or traded 

that listed or rradcd companies Inus1 Iia\;c a mztjori!y of indept.ntic~:.t directors. Ilpon any 

tcr~ninatiiin of tile right of tl.1~ iiolc!rrs of'shal-zs of Desigr;ated Prcferreci Stock and Voting Parity 

Srock as a class ro \i:rt. ibr dirscrors as provided aho~#c. rtlc t'refi'rred Di~zctorshall cease io he 
ciu~lli~jc(j .lq . .. ,cio:.s. ii;? ier11-I c)i'oi'iice ol'all Pi-el>r:cii I)i!. , t~iors ,,. thi.11 ~II i?i'licc sh:ill tci-iniiittic 

i !;~~~l<:dii~ti.l> ;ind the 2lithorizc.d nii~nher of iiirecu)~: shali be rctciuccd h!, tile ilu~-;~iw- pi' ih-eikrrcii 

ilir-i.ctol-s clect~~j piti-s~iiirlt l>cicti>. ,:\I?;\, Preibrrci'; Ilii-i.~io~ m:ty be remo\,e;i rir ally ri:ne. v.-irh or . - \\iihui~i ciiusi.. a:)<! all!. \.acailc!: crcatcd tilspeb!. 11124. be fi1li.d. i;i?l> b\ ttlc aiiir:natt\,i: \ oic vi'~!-i~ . . i?oltii~rs a ~;i;gc~!.ii>' LI~':~IC' sll;ires i>i'L~esignateil I'relkrreii Stoc!.: iii the 11mc r)utstan:iiiig t.c?ti~:;g 

sc]?i~rij:ci! :is it ckss IO~CI~ICI- \vith the ~~o~~iers i)f S~;ZSCS <>f l';)ti~ig !';ii-it> sK~k. 10 rile <XtC~it ih~ 

i i!~itlg righls il's~ii~h l~o!d~r~i ~Iescr-ibeci nho\.e tire [hen eser-cisri!?li.. ll'thr of'iice c)1';\11>, iJr-cic'i-red 

!lirccioi. hccorncs 1-acani i;jr ail!. rcasorl other than rc~~lo\al fi-on? oi'ficc ;ls ah?l-~58iii. [hi. . - ' 1 rcnjaini~lg I'r~.t:i.rrcd i)i:.-cror n?a;\. elloose 2 successor ivh:, slirill h01:i ot !ice ior :hi. une?;pirca 

tci-in in ri.Spi.ci of :\hie11 such \.rtc;inc\ c~ccurrcd. 

! c ) <li a~s..\~L~r~~~~~jg.&ss;~ss. ~.~~..~~~gii-<t~i.as- Llri~ic:ps. So long 2s an 1. shares o i' i>i. si g aaicd 

I'rci'crruci S:vck :irih oiltstaniiing, in ddiiion to iiii:, otllet- i,i,te rtr citnseilt ol'stockhc>ldc!-s rcquirc;! 

13 In;%- or by rllc C'iial-tcr. ihe \-ore or consent of'the holi!ers of at ieast 66 3!3":.; of tllc ~11ar.i'~ of

1)esigilart.d i)reit.!-rcti Srock ar the time o!ils!anding. voting as a sepal-ate c!ass. $\;en in person or 

hj. j>rox>-. eillier iil 14 ri~iilg \i!iiii~~l~ a mccting or hy \'ore nt any meeting trilled for the ~:til-pc>sc. 

shali be ni.ccssnl-!. ii!r ci'fecring or 1.nlidaring: 

(i ) &4u~liorizatiori oi' Senior Stock. ;Zi-ij. arnendrncnt or alti.raiion of':hr 

C:crtiiiczire 01' Designarions for the I.>esignaieil Prckrred Stock or the ('har~er to autl-iori~c 

or crcate oi incre;lse the nuthot-izcd nrnouni oC or an!. issu:iilcc of, an!. shar-es of. or any 

sccuriricr co:lt.ci-tihlc into or exchangeable or exercisable f,r shlires of, :in> cliiss or series 

of capital ~tcliili of !he Issuer rai;king sel~ior to Designated i'refcri-cd Stock i$.irii ;.cspect ro 

eitlici- or- borl~ il;~ pay1nei;t of Jivide~ids a~idjor the disrriburion oi'nsscis on an!: 

Iiipidritioil, dissoliirion or winding lip of rhc Issuer: 

i~ii ) ~~IIICI-I~IIICII~ of i.3csirr11rtti.d Preferreii Stock. .:in!. an?cniime~li. alteraiiol~ 

or i.cpcal ol'::,~i! pro\!isioii ofthe Certiiicatr of Designations for tile Dssigniited Pr~i'ei-~ed 

Stock or ihi. C'hartcr (including. !inless no vote on such merger or consoliclation is 

rc_.iluirc~d b!, Seclioi? ?(c)(iii) belo\v. ;lily a~neildln?nt. al~er;ilion or rzpeal by means of a 

illi.i.2i.i.. consvlidatioil or othc.r\i.isei so as to advcrssi\: nlit'ct ihe righis, prefcrcnccs. 

171-i\.iIi.gcs or 1-oting i?i>\vt.rs cri'thc Dcsigilated Prclkn-cii Stock; or 

i iii) Shal-c !~~xcl~:inges. i3cclassiiicath1s. iclerecrs qfi&~c)~is~li(!a:it>~~s. il-11). 

c~nsurn~ila:ioii of a binciiiig share exchange or reclassilicatic~rr ir:vi,!viilg the Desig~iated 

I'rcl>rred Siijck. or oi'a merger or consolidation oi'thc Issties u.itll :inolher c0rpc)r:itio~i or 

other entit!,. iinlcss in cach caso (s) the shares of I1esigna~c.d Preferred Srock remairi 

c?ti~staniiing or. ii; tile c;lsc of tin\: SLICI~ ~~UI-~CI- 01- c011solidatii~1? with resj~cct 10 .it;I~ich lite 

Issuer is not tilt ~iir\.i\;ing 01- resulting cr~tily, arc converted into cti. cxchar~ged fctr 

prekrcnce si'ci~ri~ies oi'll;e surviving or resulting entity or ils iillimate parcnr. an(! [)'I 

s~icli s'i~srrs rtmaining ou~standing or such preft.1-ence sccuriiics. as the case may be. ha\,c 

such righr:. prefcrcnces. privileges ancl voring powers, and !intirations and restrictions 

ti~crcof: taken 3s a \vhole. as ;i~c not t?~aterirlll>- less fn~:oi.a'nlc to tile holders ihercoi'than 

rile righis. ~rekre~lces. privileges and voting powers. alid lirni~aticlns and restrictions 

111~1-eof. itf Dcsigila~cd Prei:;rrsd Siock irnmcdiately prior to s~lcil COIISLIIII~I~~~OI~, iiik~11 iis 

a ~t,hoie: 
/~rc\*i(!od. ~70~,t,c\-~~r. il~rit !b: ali p~~rp~se~ 01. this Section '7(c). ili~;,, increase in thc 2!12cl~ink ci" ~hc 

;~~iti~ori~cd l~reibrrcd Stock. i~?cit;dir?~ XI;,, inc~.c:>,sc ill 111c ~?:~tl?ori?.cd zrxi(3:111~ ~i. Ilesigriatxi -. . - . . !'r::;erreci Sroch nece5s:ii-?- ro sai~sil pi-eernpti~e c,r similar rights granteil bj. il'ct Issi~tr !it itii~t'r . . . , persons prior "::) tl;c Slg~~illg r);ltle, 01- 11ie crc;iti~n ;11lil i~~iial~~c'. iir ~111 ~IIC~-C~SL' iii iiic ~~!IT~IO:~LCC~ i):. 

isstied ;~i;~nii~?[. ~i-l~eihcr p~:rsii;?:lt to prec~~~p~i\,c 01- siixilal- rishts or other~vise. c>f:li?~- c>ih~~ s<rits 

f',. .'" . - . . . ,ii~lr;d Stock, or 211). sti.i~rl;lcs i.oili~cniblc irlfio or cxcl~angcnblc cir c>:c:-cisabie fir:. ;iil> oi1;i.iseries of Prckr-red Stock. railking eclilaii! niih anci!'~r junior io Ilcsignateii l'rcCe!.i-i.d Sr~k \\-itl..: 

resj~cct t~ !he p;:j.;11e1:1 of diviiitilil~ (~vheiher siich di~rideizds are cuinulaiivc or ili?.n-cci71u!a1i~~.t'j 

am! thc disiribu~ion oi':isscts i~pc;n liij~iiciatioii. dissolution or iii~lding up of the Issuifr !"r.ili :IO; be 

i!~t.n~cii to::Jvc'rsel!. ;!i'iicl tllc i-iglits. i>;.efl'ri'nccs. pri:.ilcgcs or voiing !,oix;ers. aid sl~al!IPI 

reciuire ttie aii'irrr~aii~.e vote or coi?sci~r cjf: tile koiiicrs ofautstailding s11ari.s of the Tlcsigilaicl! 

Prcfcrred Stock. 

id) ~11ntlzcs aficr I3rrc!\.isioi1 for Rcdenl~tioi~. Ko LOR or cit~~sei~t ofthi: i-ioldcrs oi' 

1lcsignate:j PrckrreJ Srocl; hall hc required purserin1 to Section 7icj ai7o1.c il: at or pric?: ti\ the 

rin~c n-hen 2:iiy sr~cll \.oic or consent ~i.oulc1 orher\~;isc bi. required pt!rsuant to such Section. a!l 

outsrancling shares ofrIle Desig~inieii PreSerril-ci Stock :liaIl h;t\:c been redeeilird, or shiil! liave 

hCc!1 c;IIIc~ ibr reiiempiion upon propi.r notice and sufficien~ fi~nds shall I~ave been dcpositcd in 

trusl for such ~.eciempiion, in eacl~ case pursuant to Scction 5 abovi.. 

(e) i'rocedyres fi2r Voiini,! and Cons~w~,~. 7he ri~les and procedures ibr calii~~g and 

conducting any ~necring 01' ths holiiers ill' Ifesignrirccf Prckrred Sti.tcli (including. ~vithou! 

liinitatioil. the fixing ofa record diit~ in c~nllecti~>i~ ilicre~vithj. tllc solicitarion 2nd use of proxies 

at such a meeting. thc obtaining itS\irit:en consents :tnd any other aspect or matter ivith rzgarci to 

s~rc!i a ir~reting or sucli consents s!~all be sover~led by a~.i\~ rules of ~lle I3oarii of Directors or ail!' 

ciuly autliorized comri;itrec ofthi: 13o:ii-;.i of I>irc.ckors. in its ciiscrcrinn, ]nay :!dopi lkom time to 

riine. ivltich stiles a:~! p~)ceciurc.sii;tll conli~rm to the l.i?iluircn~cn:s of'the Charier. the B!;i:i\vs. 

:tnd applicabie !a~v 2nd the I-tiles of a11:; n;.i:ionai securities exchange or oi!ler trading i>ci!ity on 

ivi~iclx Dcsigi-iateii I'rckrreil Stock is listcd or traded at the tinie. 

Seerion S. &ccor.d I-lolcl_iti:s. 'i'it ihe filllest csrcnt permitted by applicable Iai~, rile issricr 

rind the transi'tr agi-"~li i')i. Ilcsiynaled 13rei?rrcci Stocli nm4; iit:i.rn anci ileal ihe record iroldcr i?i' 

ail\- sharc of Designated Prrfcn.eii Stock 3s :he true and Iatvfill oi\-ner thereof for 311 purpt)si.s. 

ar-ici ni'ither [he 1ss11er nor si~ch transfer agent shall be aflecti'ii by any notice to thc contr;lr~.. 

Seciictn 9. Yc)tices. Ail notices or coi~ul:~~ilie~tio~s In respect of Dcsig11ati.d 13reiL.rrcci 

Stock sl~ail be ~\.ifficicl?ii>- gi\.en if gi\.ei~ iii wriiiog and dcli.:e:-ed ir~ person or bj. iirst ciass n~:i,ii. 

::ostage prepaid. or if gi\]ell in such other nianner as ma\i. br pernlitted in this Ccrri5catc of 

Ilesignarions. in tl;c Charter or Byla\i.s or by applicable law. Koti~:i'lhstanding thc fbregoiilg. ii' 

shares ofI)esigl?ateii i'refirred S~nck are issued in book-ciltry l'orm tlvough The Dcpasitc;r\. 

'I'rust Conlpariy or ail\. siraiiar facility. such notices may be given to the holders oSDesign~l~ed 

I'l-rferred Siock in an? manner permitted by such faciiit).. 

Seciion 10. s,l+ee~~~p~iire Rizhts. No share of Ilcsignri~cii i'rel-erred Stock shall huvc 

any rigills of preemptioii ~vl.latsoever as to any securities of the Issuer. or an. warrants, rigins or 

options issued or granted ti.it11 respect thereto, regardless of how such securities. or sucii 

wanants, rights or opri~ns. may bc designated. issued or granted. 

In considcraiic:~~ 1'0s ihe i:ei-leiits i scicivc as a riisuli ~I'iil!. c~npiri\.ctr'~ par~icipaticjr, in ihi: 

z ~;i,~ttii i ,; ., Scatcs ilcpartn~cint oi ili~ 'I'I.C?;ISLII?.'S 'I':-?iil) C':~pitril !)i~l.chasc I)i-ogr:~i;~. I hereby 

i-c?luritarily \\-:live an), claim agaii~st!~ I'i~itcJ Strircs or in). c.mplo\.cs for ar?y cil~i1gt.s ii) n:\- . . con?l~ei!st~!ioi i;r i~ei;i'i<ts tha! are required rn com~;l~- .itit!] rile r-cgulat~i~n isstici! b> the 

Ucy?artn~erit of ~hc '!'~-c;~sLII.\. ;is j311l~li.il1eii irl the k'eiii~r-a1 i<cgisrcr i:i; (9c!:.;!7e1- 20. 2008. 

. . i aci~:nc?-cC 11<21 !!)is i-cg~iI;!t!o;~ mrii. ~-cijilirc inodiiic:ltion oi'rhr: coiltptrisslioii. bonlrs, 

inceniive am! o~lizr briiziii plai?s. ;lrr;iil~enlerliS. policies ant1 ;igrcei~lei~:s !ii?cl\~iii;i~ so-called 

"gi>iiii.n parachiltc" iigrce~~~rl?L~) ihiii 1 ha\.? ~(ith IT?! eriipI~! L'S or ill \i.f~jcIl 1p;:i-ticijxile lhtj' . > I-clate to the period tlit i!nitcJ Stiites hn!ds ariy eq~~i:~. c;r debt sccuritics ctf my employer acij;l;i.ca 

tliri>ug'!l the l'.r\KI' Cspiial P\irchasct l'rogrnnl. 

I'his \vai\.cr includes all cl;iin>s 1 may !la\,< ~indcr 111e la\\,$ ol':he I-7nitctci Stntci; or any sratc 

rel3ieii 10 tlx rc.quirenlenis iinposed by the aforenlcntioned ~i.gi,tlatioil. inclu~iing \,-ithour 

limitation a claim for any compensatior; or other paJrnients I ~~oulci otherwise sccci\:c. any 

cl.~alle~i~i. to tile proccss b\; \~.inici~ tl~is rcgii]ti[ic!i? \vas :idop:eif and 21%. torl or co~~sliiiiliunal 

claim about the cf'!L'it oi'tl1csc reg~i1;iitii)iis i>ti my ~"i1lpiii)y111~i11 reia!ionship. 
. . ! '1'11~ C'~l~~ji;lil\. has been iiuli. ii:co!-poratcci and js \.nlidi~ cxistlng r+s a corporarion - * 

iil ~OO:! bi:+~~d!~ig i:Id~r [he h\\,s (11 k!lc sZitc ul* iih i11cor{2o1-iili(>1i. 

. . 

! b) 'I'hc !'ri.fcrw~i Shares iia\.i. bce11 :iul>- anti \,alidl! 3tiihi>i.1~~c':. zntl.\$!;en i~sii~i";:~~iI 

iiciii ti-i'i! i)til~Ytl;iill 10 ihL' ,!~g!~C~ll;~lli. the I'fckfl.~il S~IB~~?S \%'ill hi' dlil). ;filii \'iiiiifj!' i~sli~d 311d,, liilli' i>:Ii:I :inti nc?!-I-nssess:li>ic'. \\ill he is~icd in \,i~l:~tioi~ oi'~11i~ prcc111pti\ i' I-igl~is. ili~ii :?.iil 

r-~lnh ;:cii,i ,rii!.\ \fi \\ i'ii itr seilioi. ii) all oiIiei. series or classes of Pi-e'i:,-i.red Siozk isslicri on rile 

C'losing I-lari. \i ill1 rcs!3ccz io tile pa! n;eni of cli\.iiii?nds and the disiributii~n ct'r':isscts in [lie .;)\,ell[ 

oi'rin!. iiis~(~li~:ioii. liqtiitiaiion or I?-inciirtg up oi'iile Cc!mpn~l\.. 

icj 'I~Ic: W;:r.rant has been dul~. authorized and. when cxecutcd and deii\.e!-ed as 

contcrnpia[cci b t11e .Agri'ei-rrr~it. wiil CL>~S~~~LIIC a valid and legally binciiilg obligation of tlir 

Connl:m-i!, cnI'urce;iblr ag;lii:st the C'ornlianj' in accordancs \-\-it12 its terms, csccpr as the same may 

he limiieii h>, :ippiicablc bani;ruplc!.. insolvency. reorganization. inomtorilim or sirnilas laii s 

ai'lkcring tile ci~fi~rcemcnr of'crcititors' sigllts generally and general cquiiiibl;: priticiples. 

scgar-diess ai'~~~lic~her such ent'osccabilir). is consicleretl in a ~~toceediilg :kt iau or in equiry. 

(ii) 'lhc s1iast.s of Wasrant J3rcii"rrc~i Stock iss~iablr upon esercisc ol'ti~~ M'ar-rarx llsvc 

hccn iiilly auti~~~rizsd and sese~-vcd fbr isst~a~.ics upon exercise ol' j!lc l\i:lrr;~~li ~11:ci \$,IICI! SO isstied 

in ~~~c<)rdiit~<e i\ irli ~lle ieI1-ils ot'~he \&'asran1 v;ill be validly issued. ft!11!. il~tid :.mil non-:issi?ssable. 

;111ii ii ill r~ini; jiii;.i fj:/j.yii fi iih or sei~ior LO ::]I c)iher scrics GS classss 111' 1'rcI;trrcd Sti~k. \\-hci11i.r 

or rioi iss~ieJ or c>uistaili!i~~g. ?\:ill1 respect io the paymel1t of'di\.idrnds and :he distiibutictn oi' 

assets i1-i ihi. el-cnr of:iil\. iiissoiution. iiiluid:itio~~ or \\iniiil~g up ct!'tilr C'o~np:al~. 

(c) .l'ilc (?oII~~;II~\. liii~ t!ie CO~-puskite IN\VC'I and ai~~i~o~-itj. to execute and deliver. 111c 

,~\grcc.lncni 2nd i11c \Ya~siiilt 2nd to cerl-:,. OLI~ its obligations thercundcr (\::lit!-I inclutles illc 

issuance ufrhc i'srctl-I-rcii Shiil-cs, \\:arrant 2nd Warrani Sl~ar-cs). 

7 .. (1 l he csccuiion. iicli~.~esy n116 performance b~r 111c Cornpan!. oi'rhc !i~i-eci~ii.i~~ and 

IIIC LVasi.t1111 ;:nd ihc consi~n:,nia~io~l 01' the iransnctioi~s conte~.r>platcd il~esebj 11;ii.e bceil c~L!!!, 

;i~iit~orized b! ;iil ilrcessa:-:\ ctirporatc action c;n thc part of tl-ic Company 111id irs stockholcicss, and 

nii iii:rl?i.r ripprovnl or ai~tl-iorii.ation is i-cqt~ired 011 the part oi'rhc C'onipany. 

(g j '1'11~ .-'igrccincnt is a ~,:ilid and binding obligatiitn cll'thc Comparlj. ei~ibi-c~abi~ . - ;ig;~i~l..;i Ihr !.'oiiljia:~q in :iccorJance \i it11 its terms. erxccpt as the same ma! ite limiteci b). 

iippiicablr banhriiprc!. ir~sol\,ency. reorganizatii21i. moralori:an or siii~ilnr Isi\.s at'kcriilg the 

~.nibrcen~rnt ~)i'crei!itors' rights gc~lcrali): and general equitable principles. rcgardiess oi'\~hethtr 

such er~fbrccability is c~o~!side~-cd ill a proceeding at law or in cquit)?: p~w\'i:/i?ti. iru:i,t.\ri?i-. such 

counsci ncscl csprcss no c)jiili(>i~ 11:ith scspect 10 Section 4.5(h) or the sevcrabiliij. psoi,i.;ions of 

thc :l~~~ccmci~r i!isol;:r ns Scctiort 4.5jh) is co~icerned. 

IJ IL 51 L tll?j J 1; b 21 ?Q! 51 Y 1 i ;I 131. I1 IK 1KS'l 17tT/11 hT 13 il 1: \OT BLLY 

fil (:I\ l! Rl 11 I 2111 Ii lilt. SE-C'L R11 I1 S \C I Ot :923. I\, I\IL\LlL I1 OK ! IIL 

5CCI3RITILS t Ili S OF IY1'5r \TI: 'iVU A1 \J \OT BE TR-\Ub17PRRPD. \CII 1) OIi 

OTI-I1 Rii 15C DISPObLD 01 IlYCLPT !i'HILC .I. PLCIIS? R'i? lo\ S I i1 I \If \ ! 

RI 1 12 l\<-r TfITI?FTO 13 l\ FFFFCT YDrR ql (,kl "ic 1 \\D IPP1 I(' 1131 I \I I 

5LC t KI 1 ii-S I 1% 5 011 PiTRSLI IN?' f0 22' PhLh1P I I(-)\ I'RCIli Ri OJS ! Ri i :O\ 

I hDLK \I CII tC 1 OK bl (-'lI L/\\j 5 ! 1 1 h l 1 1 1 I I I- ! t * 

l l ii It1 S 1 Rlc 1 iOhS UA I R-AKSI l i? 43.1) 0 1 ill-I< ?I<( J\'IS~OV~ 01 5CC t Ill ! 11 

I)\ 1tL.I 1-45] A<iRkI-lj! '4 I HI21 \\ bl-\ [ 111 [SSL kl-?. (If lHi-\E 5L C L Ril 11 1\11 

I\\~~~sIoI< IXH+I?I<FII 10 IIIMU rh. I corjl or ~J~IIICII IS OK 1 ILL Y\ 11 I! 1 III 

iSS1 1-li 1 i Il- Stf C,Iil i 11-5 Kf.l'IlFSE~TED BY I HIS IhSrRL "Ll ;\: I 214k YO I t3k 

$01-D OK 01 HI RR IST 'TK~WYCT'FRRTT) I YCI P r 1'4 I'OZIPI !AhC'F \!'I 11 1 5 iIU 

>I(;RLI ~/IIUI ,~~~~s~~~.~:~~ixor~i~,r~ II~I~V~~-~RVC)I fi CO~~PLII\CF- \IIIII SA~ 

\(;K~-I-~II-'\I I \"I] I ~f LOID 

Sh:tres of Pt-~fcrrctd Stock 

of' .- 

Issue Oati.: p.._-p_.__ 

1. - 3.5, I!I?~CSS 111e conicxs otl~eruise reciuj~.cs, I\-hcn u~d hercin dli. 

hi!o~:,ing lei-ins shall have ti?^ li~canings i~lclicatcd. 

..~I~~,Y/I~C'.Y.Y ili~i'" inealis an!, d~y except Saturdriy. Suncia! anci any da?, 011 u hich i;:i~?E\i~:g 

iilstirutions in thc Stai~ i)rfie\\; York gen~.rally :i~-c authorized or required by Ia\v ni- other 

govertlmcni:ij aciiur~s ICY close. 

..,,' 

t.. liuriet." incnns. \x.ilf~ respeci lo any Pcrsc-rn, its ccflificate or articles oi. in~oi.,;\~~-atio~~. 

rtriiclcs c?i'associaiio~~, 131. si~liilar ~7rgani~.atio1ial documi.nt. 

' ('ot?ipiii?~" means rile Person nhose name, corporate rlr o:her o1-giinl/3tiunaI ii~rln anci 

jurisdiction of orgzni;.ation is set fi>rth in 1tcin 1 of Schcdulc '1 hereto. 
'-i<.i.:.i!(orgc .-li.i" incans the Secu~.itiss I!sc!~::~lgc cZi1 vf 1934. ;IS ameildeii. or an!- 

stiscsssor sl:i:iiti'. 2nd ihc n~ics 2nd rc.gi!latio~is psomulgn~cd rhct-c::ntfcr. 

'i.~.~i!c l,)c;ii> " niea1-i~ tile dare sci [oi-ti: in Itcl~i 3 of' Sci?ciiule :I hei-e'.ro. 

"0r;g:'ii~ii IISi/-i.c/izti?(~iti~~i.~~ mc:tils tile I'niled Stiitcs 13cp:1rtnlent oi'riie -1're:isul-! . AI!~ 

acrions specific<! ti.? bc iakcii i,. iitr Oi-igin;i! ii'3!-!.::1r:i:oliicr iic1.zu11di.r ma! or?ly 'r,c iakeil b>. ~iii.11 

l'ersol? aiid not b!. any othcr \k~nssanii~olcicr. 

. . ,.~'c~:.,YoI?'. !;;IS ~hs I-II~~II~~I~ gi~,c~~ tc; 11 11; Seciio~i 3(2)(9) oi'tlle I~scliatigc Act and used 

in Sccticti1s 1 ii,dj(j) and 14(113(,2) oi'the tixchangc Act. 

'.P:!t.i.l~ii.~~' .,!g,'j.t'~j!i~i~i" ~?.i~;ills theSecul-iiics P~~rclinsi. Agrccincnt -- St:lndai-d 'l'crr~ls 

iilcorpora(eii i!lio ihe I,ctier .;fgree11iz11:. dated as of'tl~s dare set forth ill liein 6 oi'Sch~d~11c :4 

h~rctit. as amencicii i'roin rime ti) lin~c. I?~t\i.~eii rhc C'onlpan! :iiiil t11z Lirlitcd Starcs I)ej,arln?cr!l 

of tile 'f'r.e;is~lry ([hc "/<ct[cl- ..ig;.ecnrc~r?i"), incliidiiig ail aill:zses aild sclzcciules thc~t'tif. 

..licgic!aro?;1% ..lppi.cjr*~r:,s" wirh respect ia tl?c \A;;ir-ranr11olilt.r. rneatis. to the estcnr 

;ippiicab!r 1.ty~i1ii.cd to permit the Wasranthc>lJer to erercisc this Warrant for sh31-2s of 

Psefer~.:cl Stock :lnJ to OIV-n such Prelt.r.rcci Stock \virhout the M'arranrholdcr i~eii~g in violatioil of 

applizabji. /a\\.. rglc or r.zgu!arictil. t]te receipt of an). necessary approva!~ arid autllorizations of.. 

filings arlii r-egistrations ~vitl~. notifications lo. or. espii-ation or terminarion oral-iy applic~iblc . . \vatlr?g p~rioif uniier. tilt i Ian-Sco~t-Iicti.iiilo Antit!-ust lii~p~<i\~~~~l~i~~ ikr 01' ! 976. as amcncicci. 

arid thc I-tilt's aiid regula~iiii~s tiicrcuniier. 

.'Tb7I'" ..,.- meai:s the i i.5. Sixurities and J??;cl~ailgc Commission 

'-.S/~cli.~i" has the metin!ng sei hrili in Section 2 

*'fJ.cr/ i.~l',lrizol~i~r'' has the incaning sct fhrth iii Secti~n 3. 

2. Ntlllli>cr ~f‘Shal-ts: Exercise I>&. 'I'his certifies thar. for ~aluc rectived. the 

Liniied Statzs IIeparimcnt ofihc .I'rcasi!sy or its pernlittcti assigns (the -.T!~?zrr-iri?iho!~i~I"I') is 

entitltcl. upon the tt1.1113 arid subjecl to the conditicns hcrrinrifter set fijrth. to acquirc horn the 
C'ornp::,~i) . ii; \i.!~o!c (11. iri pr~~-i. after- thc rcccipi <:!'all :ippli~:iblc Itcguiaior!- :'ipi!~ot 21s. if ai:;,.. up 

!o ;in aggrcsatc oi';ilc ~?:ir??bcr of fillly paid nl~ii nitnasscssnbic sharzs of I'rei-errcii Srocl; set ib:-lll 

in Ire111 :! t~1'i;cl1il.i1~1ii. ,? iierer~l (rile '-.~iiccre..s"). ;it 2 !~urcllusc. price prr sIlar2 t)!'T'rri;'r~-i'i! SI:)C~ 

'ilLiii! tc? [!it ]S.yi.rcisc i'rii.c. 

. . I:Srcr-cisc . - -- of - \I.;ii-rani: l'erm. - Subjctct io Sc~ii~~i 2. ro !he cstc11[ ~?i'n;:i*ircd b! 

r;pl?Iic;,l?ic~ l:i\t~ nliti l~cguiations. :hi. ri&! ro purc!~ase rlic Sharcs rep!-cseiltc.d b\. [his 'ii'i~r-ra:~i is 

CS L~L:..~ - ...,S?, i 1 . in \<hi>!c or p:;r-t by tilt \Y'ar-~-:xi~[lx)idcr. at iimt c>r ~I-cI?~ :iixr: !c, ii~nc i:ficr ~llc 

esecuriun ilnil di'ii~ er! oi't!;is 52'arrarir by tile C:onipany on ihc Jn!c I~creo!: b~it i11 1-10 C\,ci!t I;ttei. 

111t111 5:iIO p.111.. Ye\\ 1-$.)1-k C'i11. til~~ GII tllc ter1t11 i~~ltli\;c~-s;~ry GLIIC Isslle 1j:ite (l!~ --L~:~;~~I-~;~~(;II ?.-. 

! !1171~''). h, I!~C stirrender oi'this Yfiarrani and Yoricc o~li~i'rcise a~l~lexc"ii i2tret0. c!ul? . . compleicd and crccurcd on lsehaifoi'rhe Warrailiho1cii.r. rtt the pr~~~clpai e?;eci~ti\ r: ofijcc iti'thc 

['c!lnl);i.n> locatc<i at ad&-css scr forth in Itzm S of SchetiuIr -4 hereto (or such other officc or 

;igenc> oi'iilc <.7~)~~:pa11!. in the i,i~iited Siatr:~ as it inay desigrmtc b). ttoticct III 11-riting to ihr 

~Varra;~tl~oIil~r iit t1:e ~iiiiiress oi't11e Wai-i-;lntl~o!der appearing on ~hc books oi'rhe C'oll~pal?y:. mil 

in') paq'mc;ir oi' the I3szrcise Pricc ibr rhc Shar-cr; thcrchy piirchascti. b), ha\.in? the Cornpal?). 

\t iti~holi?. from rhe silarcs oT 1':-cl-l.rrci1 Siock that \tould othcr~vise be de!i.i;crcd to rhe 

\V:lrrantlioidci- upo!~ sucli exercise. sllarrs oiPrefemed Stock isstiahlc upor; exercise oi'rI;c 

. - %jar-ra;~t ~~ith :\TI agsjrcgare I,iq;iiiintion hmc)uiii equal in -1,;iI~ic to tile aggregate I.:sei-iisc i'sici. as 

to \vhich this M!al-r;tnt is so eserciseil. 

I!. the L$~~~rr-t~~~tkiol~ler <lots ilot cxcrcise illis \Yarrant in its cntil-cty. the 

\\'a[-r;~nt!loidt~- \I i!l he ei~jitieci 50 ri'ceir.~ Sroru the Company ~~:itl~ir; a reasonable tin~c. ailti ili a!]? 

cv~rit nor cscccciing three business days. a neu- Lvarrant in subs~:ti~ti;tli>- idci~ticnl fiirni !.:]I- tile 

purci~nsi~ oSi1in1 ni>r~~hcr :)fSi~;jr-cs ey ilal 10 ilii. d: iti~i~ilii "' .- ','" L >L~\'.*ccII .'' :11~ ~t~:i~lb~':. i:f Sllares s~ib.joct 

ti7 this M'~i'!.3il! anti ll:c numbe~ of Shares as :o ~vliich [his \4:;irrar!r is so esel-ciseci. . . Ki)i\~~t!~~tii~id!~~s a11>{1;ing in ~111s 1Varfi:nt io il~r corlIr-iiry. thi; \V~tr~~i~~~ili~>l~ie:- lxrcb!, 

:icknc~n.ledgcs nnii 3grei.s ihar its sxcrcisc. o1'1his Vlar-rant for Sharcs is siibjecr ti? tl~ c~ildiii~i~ 

that rhc \4'arra-trii!1oldci- \i-ill kr~\,r first receivccl any applicable I2cg1ilatar-> .+\pprovais. 

Issuailci. of Shares: ,:\ii~l.~orizata~. C'crtilicates ti7r S!larcs issi~ed tipon cscrcis~ i)f -1 . - .. . . rfli..: \'i::iri.nr~i it.il! ??c i.;.;ii~il in such rlxnc 01- nnrncs as 11:r \\';lt-1-rintljoi jc!. ma). :icsign:?le anti \\.ill 

be i!cIi\ ercd IC) sl~iii r1;1111zd t'crsi)~~ or1)crsoiis \viil;ln a reasonable tiine. 1101 IO rsccid (171-cibtisiness ila\'s iii~crhc tiarc. on .~,llich this Warrant has been 3111!~ exercised ir! accordance \vith 

ihr ierms oflllis Yv'ar~iin~. 'T!?c Company Ilcreb!, I-cpresc~~ts zinc1 \varrants that :in!, Shnros issuccl 

iipiEi the c.sercisi. oI.rilis M'arrunt i11 accortlar~ce with the ~~tnvisio~:~f Seciiorl 3 isill be dui) 3ild 

sealidly aurhorizsd anii issaecl, f~iIIy paid ar~d r?onassessahlc arld ficc from all taxes. liens and 

charges (olhcr ll)an iieiis or charges created by the \Varrat~tholifzr. iricome and franchise [ayes 

inciil-red in cctnnccrior~ \i.itjl 11le exercise oi'ti~e Warrani or taxes in respect (ofany transkr 

occiirring i.:)ntc.~~~pora~~eoi!si;, tl?crc~viil?). 'I'hc Conlpany agrccs illat tile Shares so issr~eci \I ill he 

~Iecr~ic~i lo 1i;ivc beer1 issued io tI1c Li~arra~ltlioldrr :is of :he close of business 011 iile date on \vhicil 

rhis \\!i:rr:ini and pi?!.mi.nt ot'tht Exercisc Price are dcli\Ierrd to 111z Cot-ilpany in accordance lvitli 

ihe IL'J-I~~S oi'rllis War-raiit, nc,r\\ithstandi~is thfil the srock t~.ansfcr books of ;lie Company nlay 

then bt closed or cer-tifica:cs !.~prcscr?ting sv:cki Shares may 1101 bc act~ially delivered ctn si~eh 

c1:ltc. TI-ie COII:P;I~L. ivili at all rirncs resene and keep :ivailable. out of its authorized but 

rinissucd preferred stock. sillcl~. lilr tlie purpose ctf'providing for thi. exercise of this \Varra~it. ihe 

aggi-egate rii~rnber ol'sharss oi'l'ref'erred Stock hen issuahie upoil cxcrcise of this LVai-rant ai an), 
-7 pi> 2 r, '< 0 

F. 2 3 CI "s - - 4 C; z: 4 5. 

c, C" 0 .J P-. 

x /?' 

' [I. 

-2 g -. 2 3 

-. V; 

C < 2 

-7 Ct -, 2 2 r> a ... 5 i 3 zi r, r; 

c <; ?' 2, - P+ 3' , 

f-3 

c C, - s b..... 

i u =.T" 

,: 

I" ' 

U 

ir: 5 

T, % 

g 5 [I, r2 C 2 

1 - d c: T5 

fJ.2. g w, 

n 'c: 

-5 '" y 

5 

7 - 0- 

r; 3 

,-. ,.-."- - 

ro G - 3 
l0. Si1i11~da~;s. SLIIX~~~S. I-ltoIici::~~~. e~c. Ifihe last ~JS :~pp~~i~lied [or ih ti:Ling. clj' . . ~II:!. iicrio~? or tlis cspirntion ni'ni~j righi 1-cquirc:i or grt~nrcd herein slir:ll 13i:t b;: a busini-ss iil;,?.. 

i11c1-i s~ici~ ~K!~L)II i~-i:lj, be t~iii?~ crsticli right I~I?, bc esci-cised 011 t!ic ricsi si~cccsdi~ig ~iii!. ti~~it is 

;i basini.ss da!. 

1 1 . RuiC I44 1nii11-inaiion. 'The Co~npai-1) ccr\ '~lanis tixi it wii! iisc its ~.c;isoii;:bit' bi'si. 

ci'i'orts to ~irnci! file nil scpc3rts and ilti1t.r iiocurncnrs rt.q~~i~~ii lo he ilied b!. it under ri-i. 

Scc~irities :kt ;IIIC~ tile E>:ciia~igi' Act aild the riiics ::nd regulatic>l?s prc~~r:.il!y:iizti by rile SIICthe~:~~i;der (or. if tile <~OIII;X~II!~ is lloi reqi~ireii t~) I<!< s~ic!~ repoi-is. it v~~ill. t~p<>i-i 1!1e rc:j~ie~t OI':I!I). 

\4'a~~:11itl1olrier. ~tiitkt. p~iblicly ix\,ailab!e such iiliiirl~~iiii~~l as iicccssar!: ro pcr-nlit s;?ies pill-sira~lio 

Tiuic i 14 u~:dcr ihc Securities ilct,). a11d ir \vill iisc reasonabic best cffc71-rs ti3 i:iki. such i'i!t-~l:.ei. 

tiction as sillr \b.arraniho!dc.r rcasonabiy rcyues~. iri each case to the cstcnt rccjuircti ii-r:rx 

ti111e !o time to cilahle such holder to. if' pertnitred b!. thc terr~ls of this U'ari-ant ailci liic Ptii-cI1ase 

Agreernei-it. seII tl.iis Uinrrani wiiliour registration under thc Securities Act \~iillii~ tilt iii-i1iraiic)ii 

oi LIIC e~c1ii!3~io11s 13ro;'i~icd by (.A) Itiile 1.44 i11ldcr the Sccnritics .~?ct. as such raic ilia! he 

~iilieriileii ii.on~ tiille 10 lime. i:r (B) any sticccssor rl~ic 01- rcgularion I.!cl-calier iidi>j~ied b\ rile 

SEC. l:pori ?he u.riltt.11 rl'ijuesl of ail!. \ii~arrai~iholJc.r. the Coll;paiiy \r,iIl iiclii~cr ro sue!! 

14. ja~~~tntholdcr . .. a ;\ritvc:l stalemcnt that it has co111plieiI lvith such seyi~iren~er-i~s. 

12. iLdi~~~ii~l~i~i~.gi~d Otlicr liigh~s. For so lorig as Ll~e Original Li!arr;~n111oliicr i~oi~is 

this \I'a~-ralx or any portion ri~ereof. if' any event occars that. in the good faith liidgi~lent oi'thi, 

Board of ilircc~ors oi'tilc Company. ivouid require a?jt~~~~llc;ili ol'tlle Exercise Price or i~url?hcr of 

Shares inio iihich illis IVarrant is esercisable iri order to i'airb! and adcqilatcly protcci the 

purchase ri;l:ts ofthe \?v;arranrs in accorda~lcc \t.irh tlx csscntial ir?tcni snd principles of'ihe 

i3irchnsc :l~ri.cmenr :ind ri~is Mianant. rl-ieri die fioard oi' Ijirecrors shttl: makc sucii ac!j~isri::ei~ts 

in Lilt applic:ltio~l ol'such provisions. in accordance tvith such essrntial intcili and principles. as 

shall be rc;iso~-i;~hl>. necessary. ill the good faith opinion c~f'tl~c 13o:irci ofI)ircct~rs. IU prijtect such 

pi:rchase rigllts >is ali)rcsai:l. 

\\~'Iic~~i.i,er ~i~t Ertrcisi. 13-ice or thc nunlbcr of S11:ires into I\-hich :his 74~'at.rnur is 

esercisable s1i;ili l?e u?justeii as prc.tviileci iii this Section 12, ihc Company sl~all fortl:.\vith li!e ai 

!he principal oi'iice oi'iht C'o~np:ln!: a siatcnletlt sl~o~vit~g in rcasonablc cierail rlx Ikcts rcilr~iring 

siicii ai[justment anti the Exercise Price that shall be in elf'ect and the number of Shares inti? 

ivliich this M'arrant sl-iali i7~ exercisable after such ad-justmcnt. and the Cornpan!; shall also cci~isc 

:I cc>pj ofs~ich st;i!eineilt to be sent by m:til. fjrsi class pos~;ige pl-epaiii. ro each \~.'arr:inil?oliier ai 

the address appearing in the Cctn-ipany's rccords. 

13. No I111j3airn1c111, The Conipziny icill not. hy a.:~~enJrnclit of' it:; i'!~at-ier or thrvug11 

an!. rsos~anization, rraiisfci- of assets. consolidatic>~~, merger. dissoiutiori, issue or sale oi' 

seciiritics or tin! otlrer ~,oliintary aciion. avoid or seek to avoid the obser\':ince or P~I-~~I~II~~IIC~ of 

an), uf'rhc terms ict be obsc~.ved or perfomlcd hereu~lder by thc Coi:lpany. but 15-ill ai ail lin:es in 

good hit11 c~ssisin the carrying out of al! the provisions of this Warrani ad in taking of all such 

aciictr~ as ma!, be 1:ecessary or appropriate it; order to proteci the righis ofthe \iVaxanthoIdsr. 

11 Goi~crnine Lac; This Q'ananr \.i ill be go\cerned b! anJ co~~strueci In accordance 

~ttill the federal iatv of the G111ted States tf and to the extent hrtch 1:iu is applicable. and 

other~t:sc 111 accctrdancc nith the laws ol the Sratz oiNzii Yolk. dppiii,~bIi. to cit11lr:icts nlacie and 
io he pw"i;7i~n:i'd cr>tircly \~itllin ~ucli Stati.. i<:?,cIi or !he ('on1l3a11~ ~iiltl !hi. \l':1i-1.an:l!o!i1i.i. a:;-ces 

(a) to suhnlir io rhi. csi.li!sii.cjirrisiiiitiiii~ and \.c~.iilc oithu I i~>ii.cc! C;rnti.s I>istr-icr C'oi~rt i'or ii?c 

L)isiric< o~~~~oIuIII~~~~~ i-01- XII~ civil i~ciit,f!i. suit 01- ~>~-occccli~~~ :iri~i~lg Otii of or rcla:irig 10 :his 

\i'nz-a~ir ur !IIC :~.;:~~:i:ie~i~ils con~e~ripla~cii 11eri.b~. a!?d 03) iiiat noricc :llzq, bc s<;-\.cii ;1!7:i?1; ti:c 

C'onlp;ii?> ::i rhc i:cici~i.s~ in Secrior; 17 helo\\ and upi)il iili. \&':irraiiriioiiirtr ar :hi. aiid~ix~s for ih? 

\i,'ai-ranilictlcii'i- set Ilirii; ii~ the rrtgisri-5, 1naii1tcli11i.d b!. ilie C'oixpail) pi~rs\!an~. to Scctio!~ 8 l~ereoi'. '. 

10 rllc cstcnt pcrn~i!red by al-iplicr~bic la\\. ~:~ili oi'thc Cornpan\, 2nd the Y$:ar-r~ai1r11oidc.r 11cr.i.h~. 

iinconitirioniilI>- :~.ai\;cs trial by ,jru-:t. ii; an:,. ci\.il icgi ncrior! or pi.i)ccc~~i!~g reI:iti!;g :o tile 

Ii;~ln.rti~t 9r tI?c ir:lnsacrii:iis co~ltcn-iplnrcii hercb!. or ihcrcb\-. 

1 l3j1liii1lg i!Si'tci. ?'his \/\?arra~:i shall he biiltiii:~ L~~OII :i.nystlcctssors 01. ~~igi?~ of 

lllc C~o~npa~i\~. 

16. ,Irii.ndmei?t~s. 'I'his Miarrant nxi! be amended and rhc obser\.nncc ctf any term i)f 

ihis U'i~nzi~i{ ma!, bc \i.aii-cd on1 rvith ~hc it-rit1i.n ciinscnt oi'ihi. C.'oinl?an! ancf ihe \. &arr:intholiic.r. 

17. Ngtjc.es. rlny ~loiici-, reriuesi. ins~ruction i)r other 40~i11'i.i~ilL t) hc givci~ licrcuilder 

bt' acy parij io ihr other u.iil be in \\;riling ivill be dei.mr:d to hove bcsn duly given !a) on the 

dale of ileli~,c~-\- if tii.ii\~cri.d pcsson:\ll;i. or 12). S:icsimiIc, upon confir:~~itrion ofreceipt, or (b) on 

the seconc! bli~i~~~ss day fol1owi11~ tile ~1:itc' 0f'iiisj7:atcI; if di.livcrcd by a rccopizcd ~icsi cia!, 

cour-ier ser\.ice. ill! notices hereunder silall be dcli~crcd as set forth in ltcn~ 9 ofSci~cdi11c 1% 

her-cto. or pi~rstiiint 1:) such ~)lIlcr inslrilcliif~ls iiS ~ii;i). br iIcsigri;lic(i iri i!.riliil~ b\. tile part!; ro 

recril-e sucli ilc)ii~~. 

18. ]-:I-'. lilic ,'iiycclncni. I-Ilis 'A':i~-r:j!lr. tlw ii)r~i.is ;ttt;~cl1cci IICS~IO XI<! SCIICC~LI~C :I 

I.?, t~b~itc, .., (:hi' tei.;ns oi'\\l;icl~ arc iiicorporaicii h~, rcfki-ci;cc hcscin!, and ~lic L_cr:c;- i2,grcc;nc;:r 

(iitci~iiiitig ;ill iincun-ients ir?cor!,oraicc! tllcr-cini. coiitain ihr entil-c as~-ccnlc!li bi.;\:.cm ihc pal-lies 

\virh respect ILI 1111' sub.jec~ inatec'r herrol'anii SLI~Z~I.~;;'~~ all prior nnd conteliiporiinrous 

;ti-ra~lgi'nIc~>ts oriinilci-takings with rcspcci ti~crcto. 
i -. i iiit :iriJi.i-signed. pill.siiii.l.ii to rhe prcivisions Scti ~OII~I ~II the ~iit;i~lleif M';ii.i.;iili. liti.<b> 

221-rcs - 10 .;[1Sbc;-ihc ii.ii- nnii p~;~-c!~ase siich number tzi'slixes of Prefcrrcti Stock covi.rci1 h;, I~L' , . Y\.'nr!.nnt ji!ch [hat :iGi.i. ?i\.il.12 cKi.cr 10 an zx~s~isC PLITSLI:~~~~ 10 SCC~IOR j(,!ij ol'il?~ U'arrani. th~ ..., lir-~dcrsig~~cdt-iii rcci.i\ c ihc 13ei number oi'shases oi' Prcferrcd Stocl. n ~LT --, ib1.111 bi.10~~. i IIS 

tillcicl.siglli.ii. ifi ac~i,ril,!i~ce \tiill Section 3 oi'!I~e !!'ilr~-;:ill. her~/)> ::g.i't?S 10 . :12\' - tjl~ 32g!.i'Zaii. ..-- 

Lxi.i-~i~e Price ii)i. s~i~il ~hii~ct~ ill' rfrc;.fin/=d Srock in ihe itlanilcr ser ibrrh in Srcrio~i 3i 3) ol'thi. 

Warr~~r~i. 

I Ni11115cr ui' Shnscs ci!'i>ii:l?t~eci Stock: 

'[ili. iincii.rsignt.(i agr.2i.s that it is cxt~~ising 111e artached Vtiarrailt in i':ill and Ih:ir. upoil 

~.cci.ipt b!~ 111~ ~il?dcrsigni.:1 ctf illc ;7~t~:brr of SII~KCS i)l'f)~efen.cd Stc~k SL"S l'ortll ;~bc)i'e. SL~CII 

\V;irr:t111 si~i.ili bz di.~n:zci io be cn11celli.d and surrcndcrcd zo ihc C'ompan>,. 

I. N~~it~bsr o!'si?i:irs to be rrceiv,-d 13). tile undesiigncf upon cscrcisc oirhe ;ittac!~i.d \,Vari-aii pli"S""X 1i0 

Sccriori _'i 13) !i~c!.eoi: 
131. : 

Name: 

.l.i?li!: 

[Signature I'i~gc to %'arrant] 
I1c117 ? 

is~~:? Dm: 

ilc.111 0 

Date ui~l~,riti's .-\gri'e111(-"111 bilt~\,cst'~l ill:' Ci)li1j>311! and thc I initcti Statcs I'>cpar-~nient ol'ihi. 

~~~sciis~is~~: 

I tcm 0 

Notice i!?ii>r-tnaiit.rn. 

Tllc iriirirti iion1bi.r 01'ii:;tri:> aSi'ri.fcrrc_.d Stock Sol- bv1:icii rills Wr!:rnnr is cic!.cis;:bic .;i!ali iiicii:t.ic ii;? 

rii~iiibc.r ol':i'narct; rei1tii;-eii t(l cl'ftcl thc cashless exrcisc PLISSII;III~ 111 Sc~iion Z(f3j of tliis 'A:;!rrai-ii (i'.g . 

sucii :iui~ihi.r ofbiiiil-es ol'IJrcSerred Stock having ail aggregate L.!:~uidsriorl i\~r~ouri: equal in vaiuc. lo rlic. 

ilirrrzgrite .- I-sercisc: ['rice.) s:icil titat, foilowing exercise ofthis Warrant aild pa!':!:enr oi'thi- Eszrcisc. i'ricc 

in accordance. iuiii; sijch Scciion 3(B), the net 11i1111ber of shares of l'rcfcrrctl Stock dciivercd to ibi' 

~'arr.~ntl:aidt.r (anti rc?ul:dcci ~o tile I?earcs: i\jholc silascj v,vou13 have an aggregate tiquidaria11 An~ouni 

quai to iu& of ilie aggregate amoulIi invested b!,, !tic Uniicd States Dcpai-tri:t~~t cif rhe ?'rensur). on l!!e 

i!~\~~~iiii?ill &lie.


li'il-c Infoi-11i:itinn for C'losing: 

UST 913 
- 

p!.cpi.a,. , iLci .., Stock 

Pli;. i.~al~l~: i .Q!j 

'I'orai A!iti?ol i~~d. XO!~C 

US']' 8 1 .'?