Document:

Form of Subordinated Indenture

 Exhibit 4.5 

UNITED INSURANCE HOLDINGS CORP. 

TO 

                       
                 , 
 TRUSTEE 

FORM OF INDENTURE 

Dated as of                     

 Subordinated Debt Securities 

 CROSS REFERENCE SHEET 

Between 
 Provisions of
Sections 310 through 318(a) inclusive of the Trust Indenture Act of 1939 and the Indenture dated as of                     , between United Insurance
Holdings Corp. and                     , as trustee. 
  

			
	Section of Act	  	Section of Indenture
	310(a)(1) and (2)	  	8.09
	310(a)(3) and (4)	  	*
	310(b)	  	8.08 and 8.10
	310(c)	  	*
	311(a)	  	8.13
	311(b)	  	8.13
	311(c)	  	*
	312(a)	  	6.01 and 6.02(a)
	312(b)	  	6.02(b)
	312(c)	  	6.02(c)
	313(a)(1), (2), (3), (4), (6) and (7)	  	6.04(a)
	313(a)(5)	  	*
	313(b)(1)	  	*
	313(b)(2)	  	6.04
	313(c)	  	6.04
	313(d)	  	6.04
	314(a)(1)	  	6.03
	314(a)(2)	  	6.03
	314(a)(3)	  	6.03
	314(b)	  	*
	314(c)(1)	  	5.05
	314(c)(2)	  	15.05
	314(c)(3)	  	*
	314(d)	  	*
	314(e)	  	15.05
	314(f)	  	*
	315(a), (c) and (d)	  	8.01
	315(b)	  	7.08
	315(e)	  	7.09
	316(a)(1)	  	7.07
	316(a)(2)	  	*
	316(a) last para.	  	9.03
	316(b)	  	7.10
	317(a)	  	7.02
	317(b)	  	5.04
	318(a)	  	15.07

  

	*	Not Applicable. 

 This cross reference sheet shall not, for any purpose, be considered part of the Indenture.

 TABLE OF CONTENTS* 

 

							
	 	  	Page	 
		
	 Parties
	  	 	6	  
	 Recitals
	  	 	6	  
		
	 ARTICLE 1. DEFINITIONS
	  	 	6	  
	 SECTION 1.01.
	    	 Definitions
	  	 	6	  
		
	 ARTICLE 2. DEBT SECURITY FORMS
	  	 	14	  
	 SECTION 2.01.
	    	 Forms Generally
	  	 	14	  
	 SECTION 2.02.
	    	 Forms of Debt Securities
	  	 	14	  
	 SECTION 2.03.
	    	 Form of Trustee’s Certificate of Authentication
	  	 	14	  
	 SECTION 2.04.
	    	 Debt Securities in Global Form
	  	 	15	  
		
	 ARTICLE 3. THE DEBT SECURITIES
	  	 	17	  
	 SECTION 3.01.
	    	 Title and Terms
	  	 	17	  
	 SECTION 3.02.
	    	 Denominations
	  	 	19	  
	 SECTION 3.03.
	    	 Payment of Principal and Interest
	  	 	19	  
	 SECTION 3.04.
	    	 Execution of Debt Securities
	  	 	19	  
	 SECTION 3.05.
	    	 Temporary Debt Securities
	  	 	21	  
	 SECTION 3.06.
	    	 Exchange and Registration of Transfer of Debt Securities
	  	 	21	  
	 SECTION 3.07.
	    	 Mutilated, Destroyed, Lost or Stolen Debt Securities
	  	 	23	  
	 SECTION 3.08.
	    	 Payment of Interest; Interest Rights Preserved
	  	 	23	  
	 SECTION 3.09.
	    	 Persons Deemed Owners
	  	 	25	  
	 SECTION 3.10.
	    	 Cancellation of Debt Securities Paid, etc.
	  	 	25	  
	 SECTION 3.11.
	    	 Currency and Manner of Payments
	  	 	25	  
	 SECTION 3.12.
	    	 CUSIP Numbers
	  	 	27	  
		
	 ARTICLE 4. REDEMPTION OF DEBT SECURITIES; SINKING FUNDS
	  	 	27	  
	 SECTION 4.01.
	    	 Applicability of Article
	  	 	27	  
	 SECTION 4.02.
	    	 Notice of Redemption; Selection of Debt Securities
	  	 	27	  
	 SECTION 4.03.
	    	 Payment of Debt Securities Called for Redemption
	  	 	29	  
	 SECTION 4.04.
	    	 Exclusion of Certain Debt Securities from Eligibility for Selection for Redemption
	  	 	29	  
	 SECTION 4.05.
	    	 Provisions with Respect to any Sinking Funds
	  	 	30	  
		
	 ARTICLE 5. PARTICULAR COVENANTS OF THE COMPANY
	  	 	31	  
	 SECTION 5.01.
	    	 Payment of Principal, Premium and Interest
	  	 	31	  
	 SECTION 5.02.
	    	 Offices for Notices and Payments, etc.
	  	 	31	  
	 SECTION 5.03.
	    	 Appointments to Fill Vacancies in Trustee’s Office
	  	 	32	  

  
  

	*	This table of contents shall not, for any purpose, be deemed to be a part of the Indenture. 

 2

							
	 SECTION 5.04.
	    	 Provisions as to Paying Agent
	  	 	32	  
	 SECTION 5.05.
	    	 Certificate to Trustee
	  	 	33	  
	 SECTION 5.06.
	    	 Waivers of Covenants
	  	 	33	  
		
	 ARTICLE 6. HOLDERS’ LISTS AND REPORTS BY THE COMPANY AND THE TRUSTEE
	  	 	34	  
	 SECTION 6.01.
	    	 Holders’ Lists
	  	 	34	  
	 SECTION 6.02.
	    	 Preservation and Disclosure of Lists
	  	 	34	  
	 SECTION 6.03.
	    	 Reports by the Company
	  	 	34	  
	 SECTION 6.04.
	    	 Reports by the Trustee
	  	 	35	  
		
	 ARTICLE 7. REMEDIES OF THE TRUSTEE AND HOLDERS ON EVENT OF DEFAULT
	  	 	35	  
	 SECTION 7.01.
	    	 Events of Default
	  	 	35	  
	 SECTION 7.02.
	    	 Payment of Debt Securities Upon Default; Suit Therefor
	  	 	38	  
	 SECTION 7.03.
	    	 Application of Moneys Collected by Trustee
	  	 	40	  
	 SECTION 7.04.
	    	 Proceedings by Holders
	  	 	41	  
	 SECTION 7.05.
	    	 Proceedings by Trustee
	  	 	41	  
	 SECTION 7.06.
	    	 Remedies Cumulative and Continuing
	  	 	41	  
	 SECTION 7.07.
	    	 Direction of Proceedings and Waiver of Defaults by Majority of Holders
	  	 	42	  
	 SECTION 7.08.
	    	 Notice of Defaults
	  	 	42	  
	 SECTION 7.09.
	    	 Undertaking to Pay Costs
	  	 	43	  
	 SECTION 7.10.
	    	 Unconditional Right of Holders to Receive Principal, Premium and Interest
	  	 	43	  
		
	 ARTICLE 8. CONCERNING THE TRUSTEE
	  	 	43	  
	 SECTION 8.01.
	    	 Duties and Responsibilities of Trustee
	  	 	43	  
	 SECTION 8.02.
	    	 Reliance on Documents, Opinions, etc.
	  	 	44	  
	 SECTION 8.03.
	    	 No Responsibility for Recitals, etc.
	  	 	46	  
	 SECTION 8.04.
	    	 Trustee and Agents May Own Debt Securities
	  	 	46	  
	 SECTION 8.05.
	    	 Moneys to be Held in Trust
	  	 	46	  
	 SECTION 8.06.
	    	 Compensation and Expenses of Trustee
	  	 	47	  
	 SECTION 8.07.
	    	 Officers’ Certificate as Evidence
	  	 	47	  
	 SECTION 8.08.
	    	 Conflicting Interest of Trustee
	  	 	48	  
	 SECTION 8.09.
	    	 Eligibility of Trustee
	  	 	48	  
	 SECTION 8.10.
	    	 Resignation or Removal of Trustee
	  	 	48	  
	 SECTION 8.11.
	    	 Acceptance by Successor Trustee
	  	 	49	  
	 SECTION 8.12.
	    	 Succession by Merger, etc.
	  	 	50	  
	 SECTION 8.13.
	    	 Limitation on Rights of Trustee as a Creditor
	  	 	51	  
	 SECTION 8.14.
	    	 Authenticating Agents
	  	 	51	  
	 SECTION 8.15.
	    	 Trustee’s Application for Instructions from the Company
	  	 	53	  
		
	 ARTICLE 9. CONCERNING THE HOLDERS
	  	 	54	  
	 SECTION 9.01.
	    	 Action by Holders
	  	 	54	  
	 SECTION 9.02.
	    	 Proof of Execution by Holders
	  	 	54	  
	 SECTION 9.03.
	    	 Company-Owned Debt Securities Disregarded
	  	 	54	  
	 SECTION 9.04.
	    	 Revocation of Consents; Future Holders Bound
	  	 	55	  

  
 3 

							
	 ARTICLE 10. HOLDERS’ MEETINGS
	  	 	55	  
	 SECTION 10.01.
	    	 Purposes of Meetings
	  	 	55	  
	 SECTION 10.02.
	    	 Call of Meetings by Trustee
	  	 	56	  
	 SECTION 10.03.
	    	 Call of Meetings by Company or Holders
	  	 	56	  
	 SECTION 10.04.
	    	 Qualifications for Voting
	  	 	56	  
	 SECTION 10.05.
	    	 Regulations
	  	 	56	  
	 SECTION 10.06.
	    	 Voting
	  	 	57	  
	 SECTION 10.07.
	    	 No Delay of Rights by Meeting
	  	 	58	  
		
	 ARTICLE 11. SUPPLEMENTAL INDENTURES
	  	 	58	  
	 SECTION 11.01.
	    	 Supplemental Indentures without Consent of Holders
	  	 	58	  
	 SECTION 11.02.
	    	 Supplemental Indentures with Consent of Holders
	  	 	59	  
	 SECTION 11.03.
	    	 Effect of Supplemental Indentures
	  	 	61	  
	 SECTION 11.04.
	    	 Notation on Debt Securities
	  	 	61	  
	 SECTION 11.05.
	    	 Evidence of Compliance of Supplemental Indenture to be Furnished Trustee
	  	 	61	  
		
	 ARTICLE 12. CONSOLIDATION, MERGER, SALE AND CONVEYANCE
	  	 	61	  
	 SECTION 12.01.
	    	 Company May Consolidate, etc., on Certain Terms
	  	 	61	  
	 SECTION 12.02.
	    	 Successor Entity to be Substituted
	  	 	62	  
	 SECTION 12.03.
	    	 Opinion of Counsel to Be Given Trustee
	  	 	62	  
		
	 ARTICLE 13. SATISFACTION, DISCHARGE AND DEFEASANCE OF INDENTURE
	  	 	62	  
	 SECTION 13.01.
	    	 Satisfaction, Discharge and Legal Defeasance of Debt Securities of any Series
	  	 	62	  
	 SECTION 13.02.
	    	 Covenant Defeasance of Debt Securities of any Series
	  	 	64	  
	 SECTION 13.03.
	    	 Application of Trust Funds; Indemnification
	  	 	65	  
	 SECTION 13.04.
	    	 Return of Unclaimed Moneys
	  	 	66	  
	 SECTION 13.05.
	    	 Reinstatement
	  	 	66	  
		
	 ARTICLE 14. IMMUNITY OF INCORPORATORS, STOCKHOLDERS, OFFICERS AND DIRECTORS
	  	 	66	  
	 SECTION 14.01.
	    	 Indenture and Debt Securities Solely Obligations of the Company
	  	 	66	  
		
	 ARTICLE 15. MISCELLANEOUS PROVISIONS
	  	 	67	  
	 SECTION 15.01.
	    	 Provisions Binding on Successors of the Company
	  	 	67	  
	 SECTION 15.02.
	    	 Indenture for Sole Benefit of Parties and Holders of Debt Securities
	  	 	67	  
	 SECTION 15.03.
	    	 Addresses for Notices, etc.
	  	 	67	  
	 SECTION 15.04.
	    	                      Contract;
Waiver of Trial by Jury
	  	 	68	  
	 SECTION 15.05.
	    	 Evidence of Compliance with Conditions Precedent
	  	 	69	  
	 SECTION 15.06.
	    	 Legal Holidays
	  	 	69	  
	 SECTION 15.07.
	    	 Trust Indenture Act of 1939 to Control
	  	 	69	  

  
 4 

							
	 SECTION 15.08.
	    	 Table of Contents, Headings, etc.
	  	 	70	  
	 SECTION 15.09.
	    	 Determination of Principal Amount
	  	 	70	  
	 SECTION 15.10.
	    	 Execution in Counterparts
	  	 	70	  
		
	 ARTICLE 16. SUBORDINATION OF DEBT SECURITIES
	  	 	70	  
	 SECTION 16.01.
	    	 Debt Securities Subordinated to Senior Indebtedness
	  	 	70	  
	 SECTION 16.02.
	    	 Subrogation
	  	 	72	  
	 SECTION 16.03.
	    	 Obligation of the Company Unconditional
	  	 	72	  
	 SECTION 16.04.
	    	 Payments on Debt Securities Permitted
	  	 	73	  
	 SECTION 16.05.
	    	 Effectuation of Subordination by Trustee
	  	 	73	  
	 SECTION 16.06.
	    	 Trustee Has No Fiduciary Duty to Holders of Senior Indebtedness; Knowledge of Trustee
	  	 	73	  
	 SECTION 16.07.
	    	 Trustee May Hold Senior Indebtedness
	  	 	74	  
	 SECTION 16.08.
	    	 Rights of Holders of Senior Indebtedness Not Impaired
	  	 	74	  
		
	 Signatures
	  	 	75	  
	 Acknowledgments
	  	 	75	  

  
 5 

 THIS INDENTURE, dated as of
                    , between United Insurance Holdings Corp., a Delaware corporation (the “Company”), and
                    , as trustee (the “Trustee”). 

RECITALS OF THE COMPANY 

The Company has duly authorized the execution and delivery of this Indenture to provide for the issue from time to time of its unsecured
subordinated debentures, notes, bonds or other evidences of indebtedness to be issued in one or more series as in this Indenture provided, up to such principal amount or amounts as may from time to time be authorized in or pursuant to one or more
resolutions of the Board of Directors. 
 All things necessary to make this Indenture a valid agreement of the Company, in accordance with
its terms, have been done. 
 NOW, THEREFORE, THIS INDENTURE WITNESSETH: 

For and in consideration of the premises and the purchase or acceptance of the Debt Securities by the Holders thereof, it is mutually
covenanted and agreed, for the equal and proportionate benefit of the respective Holders from time to time of the Debt Securities or of any series thereof as follows: 

ARTICLE 1. 
 DEFINITIONS

 SECTION 1.01. Definitions. The terms defined in this Section 1.01 (except as herein otherwise expressly provided or
unless the context otherwise requires) for all purposes of this Indenture and of any indenture supplemental hereto shall have the respective meanings specified in this Section 1.01. All other terms used in this Indenture which are defined in
the Trust Indenture Act of 1939 or which are by reference therein defined in the Securities Act of 1933, as amended, shall have (except as herein otherwise expressly provided or unless the context otherwise requires) the meanings assigned to such
terms in said Trust Indenture Act of 1939 and in said Securities Act as in force at the date of the execution of this Indenture. All accounting terms not otherwise defined herein have the meanings assigned to them in accordance with generally
accepted accounting principles and, except as otherwise herein expressly provided, the term “generally accepted accounting principles” with respect to any computation required or permitted hereunder shall mean such accounting principles as
are generally accepted in the United States for domestic companies at the date of such computation. All references to such terms herein shall be both to the singular or the plural, as the context so requires. Unless the context otherwise requires,
any reference to an “Article” or a “Section” refers to an Article or Section, as the case may be, of this Indenture. The words “herein,” “hereof” and “hereunder” and other words of similar import
refer to this Indenture as a whole and not to any particular Article, Section or other subdivision. The words “including,” “includes” and “include” shall be deemed to be followed by the words “without
limitation.” 

  
 6 

 Affiliate: 

The term “Affiliate”, when used with respect to any specified Person, means any other Person directly or indirectly controlling or
controlled by or under direct or indirect common control with such specified Person. For the purposes of this definition, “control” when used with respect to any specified Person means the power to direct the management and policies of
such Person, directly or indirectly, whether through the ownership of voting securities, by contract or otherwise; and the terms “controlling” and “controlled” have meanings correlative to the foregoing. 

Authenticating Agent: 
 The term
“Authenticating Agent” means the agent of the Trustee, if any, which at the time shall be appointed and acting pursuant to Section 8.14. 

Board of Directors: 
 The term
“Board of Directors” means the Board of Directors of the Company or any authorized committee of such Board designated by the Board of Directors or the by-laws or the certificate of incorporation of the Company to act for such Board for
purposes of this Indenture. 
 Board Resolution: 

The term “Board Resolution” means a copy of a resolution certified by a Vice President, the Secretary or an Assistant Secretary of
the Company to have been duly adopted by the Board of Directors and to be in full force and effect on the date of such certification, and delivered to the Trustee. 

Business Day: 
 The term
“Business Day”, when used with respect to any Place of Payment or any other particular location, means each Monday, Tuesday, Wednesday, Thursday and Friday which is not a day on which banking institutions or trust companies in that Place
of Payment or other location are authorized or obligated by law, regulation or executive order to close. 
 Commission: 

The term “Commission” means the U.S. Securities and Exchange Commission. 

Company: 
 “Company”
means the party named as the “Company” in the first paragraph of this Indenture until a successor replaces it pursuant to the applicable provisions of this Indenture and, thereafter, shall mean such successor. The forgoing sentence shall
likewise apply to any subsequent such successor or successors. 

  
 7 

 Company Request and Company Order: 

The terms “Company Request” and “Company Order” mean, respectively, a written request or order signed in the name of the
Company by its Chairman of the Board, Vice Chairman of the Board, Chief Executive Officer, President, Chief Operating Officer, Chief Financial Officer or a Vice President, and by its Treasurer, Secretary, Assistant Secretary or Assistant Treasurer,
and delivered to the Trustee. 
 Conversion Date: 

The term “Conversion Date” has the meaning set forth in Section 3.11. 

Corporate Trust Office: 
 The term
“Corporate Trust Office” means the designated office of the Trustee at which, at any particular time, its corporate trust business shall be administered, which office at the date hereof is located at
                                        ,
Attention: Corporate Trust Administration unit, or such other address as the Trustee may designate from time to time by notice to the Company, or the principal corporate trust office of any successor Trustee (or such other address as such successor
Trustee may designate from time to time by notice to the Company). 
 Currency Determination Agent: 

The term “Currency Determination Agent” means the financial institution, if any, from time to time selected by the Company for
purposes of Section 3.11. 
 Debt Security or Debt Securities: 

The terms “Debt Security” or “Debt Securities” means any notes, debentures or other indebtedness of any series, as the case
may be, issued by the Company from time to time, and authenticated and delivered under this Indenture. 
 Debt Security Register: 

The term “Debt Security Register” has the meaning set forth in Section 3.06. 

Debt Security Registrar: 
 The term
“Debt Security Registrar” has the meaning set forth in Section 3.06. 
 Depository: 

The term “Depository” means, unless otherwise specified by the Company pursuant to Section 3.01, with respect to Debt Securities
of any series issuable or issued as a Global Debt Security, The Depository Trust Company, New York, New York, or any successor thereto registered as a clearing agency pursuant to the provisions of Section 17A of the Securities Exchange Act of
1934, as amended, or other applicable statute or regulation. 

  
 8 

 Dollar: 

The term “Dollar” means the coin or currency of the United States of America which as of the time of payment is legal tender for the
payment of public and private debts. 
 Dollar Equivalent of the Foreign Currency: 

The term “Dollar Equivalent of the Foreign Currency” has the meaning set forth in Section 3.11. 

Event of Default: 
 The term
“Event of Default” has the meaning set forth in Section 7.01. 
 Foreign Currency: 

The term “Foreign Currency” means a currency issued by the government of any country other than the United States of America. 

Global Debt Security: 
 The term
“Global Debt Security” means a Debt Security issued in global form pursuant to Section 2.04 hereof to evidence all or part of a series of Debt Securities. 

Government Obligations: 
 The term
“Government Obligations” means securities which are (i) direct obligations of the government which issued the currency in which the Debt Securities of a series are denominated or (ii) obligations of a person controlled or
supervised by and acting as an agency or instrumentality of the government which issued the currency in which the Debt Securities of such series are denominated, the payment of which obligations is unconditionally guaranteed by such government, and
which, in either case, are full faith and credit obligations of such government, are denominated in the currency in which the Debt Securities of such series are denominated and which are not callable or redeemable at the option of the issuer
thereof. 
 Holder: 
 The term
“Holder” means any Person in whose name a Debt Security of any series is registered in the Debt Security Register applicable to Debt Securities of such series. 

Indenture: 
 The term
“Indenture” means this instrument as originally executed and delivered or, if amended or supplemented as herein provided pursuant to the applicable provisions hereof, as so amended or supplemented. 

  
 9 

 Indexed Debt Security: 

The term “Indexed Debt Security” means a Debt Security the terms of which provide that the principal amount thereof payable at Stated
Maturity may be more or less than the principal face amount thereof at original issuance. 
 Interest: 

The term “interest”, when used with respect to an Original Issue Discount Debt Security which by its terms bears interest only after
maturity, means interest payable after maturity. 
 Interest Payment Date: 

The term “Interest Payment Date”, when used with respect to any series of Debt Securities, means the Stated Maturity of an
installment of interest on such Debt Securities. 
 Market Exchange Rate: 

The term “Market Exchange Rate” has the meaning set forth in Section 3.11. 

Officers’ Certificate: 
 The
term “Officers’ Certificate”, when used with respect to the Company, means a certificate signed by its Chairman of the Board, Vice Chairman of the Board, Chief Executive Officer, President, Chief Operating Officer, Chief Financial
Officer or a Vice President and by its Treasurer, Secretary, Assistant Secretary or Assistant Treasurer and delivered to the Trustee. Each such certificate shall include the statements provided for in Section 15.05 to the extent required by the
provisions of such Section. 
 Opinion of Counsel: 

The term “Opinion of Counsel” means an opinion in writing signed by legal counsel who may be an employee of or counsel to the Company
and who shall be reasonably acceptable to the Trustee. Each such opinion shall include the statements provided for in Sections 2.02, 3.04, 11.05, 12.03, 13.01, 13.02 and 15.05 to the extent required by the provisions of such Sections. 

Original Issue Discount Debt Security: 

The term “Original Issue Discount Debt Security” means any Debt Security which provides for an amount less than the principal amount
thereof to be due and payable upon a declaration of acceleration of the maturity thereof pursuant to Section 7.01. 
 Outstanding: 

The term “Outstanding”, when used with respect to Debt Securities or Debt Securities of any series, means, as of the date of
determination, all such Debt Securities theretofore authenticated and delivered under this Indenture, except: 
 (i) such Debt Securities
theretofore cancelled by the Trustee or delivered to the Trustee for cancellation; 

  
 10 

 (ii) such Debt Securities for whose payment or redemption money in the necessary amount and in
the specified currency has been theretofore deposited with the Trustee or any paying agent (other than the Company) in trust or set aside and segregated in trust by the Company (if the Company shall act as its own paying agent) for the Holders of
such Debt Securities, provided, however, that if such Debt Securities are to be redeemed, notice of such redemption has been duly given pursuant to this Indenture or provision therefor satisfactory to the Trustee has been made; 

(iii) such Debt Securities that have been paid pursuant to Section 3.07 or such Debt Securities in exchange for or in lieu of which other
such Debt Securities have been authenticated and delivered pursuant to this Indenture, unless proof satisfactory to the Trustee is presented that any such Debt Securities are held by Persons in whose hands any of such Debt Securities are a legal,
valid and binding obligation of the Company, and 
 (iv) such Debt Securities the indebtedness in respect to which has been discharged in
accordance with Section 13.01. 
 provided, however, that in determining whether the Holders of the requisite principal amount of such
Outstanding Debt Securities have given any request, demand, authorization, direction, notice, consent or waiver hereunder, such Debt Securities owned by the Company or any other obligor upon such Debt Securities or any Affiliate of the Company or
such other obligor (except in the case in which the Company or such other obligor or Affiliate owns all Debt Securities Outstanding under the Indenture, or all Outstanding Debt Securities of each such series, as the case may be, without regard to
this proviso) shall be disregarded and deemed not to be Outstanding in the manner set forth in Section 9.03. 
 Person:  

The term “Person” means any individual, corporation, partnership, joint venture, association, joint-stock company, limited liability
company, trust, unincorporated organization or government or any agency or political subdivision thereof. 
 Place of Payment: 

The term “Place of Payment”, when used with respect to the Debt Securities of any series, means the place or places where the
principal of (premium, if any) and interest on the Debt Securities of that series are payable as specified in accordance with Section 3.01. 

Predecessor Debt Security: 
 The
term “Predecessor Debt Security” of any particular Debt Security means every previous Debt Security evidencing all or a portion of the same debt as that evidenced by such particular Debt Security, and for the purposes of this definition,
any Debt Security authenticated and delivered under Section 3.07 in lieu of a mutilated, lost, destroyed or stolen Debt Security shall be deemed to evidence the same debt as the mutilated, lost, destroyed or stolen Debt Security. 

  
 11 

 Redemption Date: 

The term “Redemption Date”, when used with respect to any Debt Security to be redeemed, means the date fixed for such redemption by
or pursuant to this Indenture. 
 Redemption Price: 

The term “Redemption Price”, when used with respect to any Debt Security to be redeemed, means the price specified in such Debt
Security at which it is to be redeemed pursuant to this Indenture. 
 Regular Record Date: 

The term “Regular Record Date” for the interest payable on any Debt Security on any Interest Payment Date means the date specified in
such Debt Security as the “Regular Record Date” as contemplated by Section 3.01. 
 Responsible Officer: 

The term “Responsible Officer”, when used with respect to the Trustee, means any officer of the Trustee assigned to the Corporate
Trust Administration unit (or any successor division or unit) of the Trustee located at the Corporate Trust Office of the Trustee, who shall have direct responsibility for the administration of this Indenture and, for the purposes of
Section 7.07, Section 7.08 and Section 8.01(c)(2), shall also include any other officer of the Trustee to whom any corporate trust matter is referred because of such officer’s knowledge of and familiarity with the particular
subject. 
 The term “Responsible Officer”, when used with respect to the Company, means the Chairman of the Board, Vice Chairman
of the Board, Chief Executive Officer, President, Chief Operating Officer, Chief Financial Officer, Treasurer or Secretary, or any Vice President, Assistant Secretary or Assistant Treasurer, in each case, of the Company. 

Senior Indebtedness: 
 The term
“Senior Indebtedness” means (i) the principal of and premium, if any, and unpaid interest on indebtedness for money borrowed, (ii) purchase money and similar obligations, (iii) obligations under capital leases,
(iv) guarantees, assumptions or purchase commitments relating to, or other transactions as a result of which the Company is responsible for the payment of, such indebtedness of others, (v) renewals, extensions and refunding of any such
indebtedness, (vi) interest or obligations in respect of any such indebtedness accruing after the commencement of any insolvency or bankruptcy proceedings; and (vii) obligations associated with derivative products such as interest rate and
currency exchange contracts, foreign exchange contracts, commodity contracts, and similar arrangements, unless, in each case, the instrument by which the Company incurred, assumed or guaranteed the indebtedness or obligations described in clauses
(i) through (vii) hereof expressly provides that such indebtedness or obligation is not senior in right of payment to the Debt Securities. 

  
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 Special Record Date: 

The term “Special Record Date” for the payment of any Defaulted Interest (as defined in Section 3.08) means a date fixed by the
Trustee pursuant to Section 3.08. 
 Stated Maturity: 

The term “Stated Maturity” when used with respect to any Debt Security or any installment of principal thereof or of interest
thereon, means the date specified in such Debt Security as the fixed date on which the principal of such Debt Security, or such installment of interest, is due and payable. 

Subsidiary: 
 The term
“Subsidiary” means any Person of which the Company, or the Company and one or more Subsidiaries, or any one or more Subsidiaries, directly or indirectly own more than 50% of the Voting Stock. 

Trustee: 
 “Trustee”
means the party named as the “Trustee” in the first paragraph of this Indenture until a successor replaces it pursuant to the applicable provisions of this Indenture and thereafter “Trustee” shall mean or include each Person who
is then a Trustee hereunder, and if at any time there is more than one such Person, “Trustee” as used with respect to the Debt Securities of any series shall mean the Trustee with respect to the Debt Securities of that series. 

Trust Indenture Act of 1939: 

The term “Trust Indenture Act of 1939” means the Trust Indenture Act of 1939, as amended, as in force at the date as of which
this Indenture was executed; provided, however, that in the event the Trust Indenture Act of 1939 is amended after such date, “Trust Indenture Act of 1939” means to the extent required by any such amendment, the Trust
Indenture Act of 1939 as so amended.  
 Voting Stock: 

The term “Voting Stock” means outstanding shares of capital stock or similar equity interests having under ordinary circumstances
voting power for the election of directors, managers or the substantial equivalent thereof whether at all times or only so long as no senior class of stock or similar equity interest has such voting power by reason of the happening of any
contingency. 

  
 13 

 ARTICLE 2. 

DEBT SECURITY FORMS. 

SECTION 2.01. Forms Generally. The Debt Securities of each series and the certificates of authentication thereon shall have such
appropriate insertions, omissions, substitutions and other variations as are required or permitted by this Indenture (the provisions of which shall be appropriate to reflect the terms of each series of Debt Securities, including the currency or
denomination, which may be Dollars or Foreign Currency), and may have such letters, numbers or other marks of identification and such legends or endorsements placed thereon, as may be required to comply with the rules of any securities exchange, or
as may, consistently herewith, be determined by the officers executing such Debt Securities, as evidenced by their signing of such Debt Securities. Any portion of the text of any Debt Security may be set forth on the reverse thereof, with an
appropriate reference thereto on the face of the Debt Security. 
 SECTION 2.02. Forms of Debt Securities. The Debt Securities
of each series shall be in such form or forms (including global form) as shall be established by or pursuant to a Board Resolution or in one or more indentures supplemental hereto. 

Prior to the delivery of a Debt Security of any series in any such form to the Trustee for the Debt Securities of such series for
authentication, the Company shall deliver to the Trustee the following: 
 (a) The Board Resolution or indenture supplemental hereto by or
pursuant to which such form of Debt Security has been approved; 
 (b) An Officers’ Certificate dated the date such Certificate is
delivered to the Trustee stating that all conditions precedent provided for in this Indenture relating to the authentication and delivery of Debt Securities in such form have been complied with; and 

(c) The Opinion of Counsel described in Section 3.04. 

The definitive Debt Securities shall be printed, lithographed or engraved or produced by any combination of these methods or may be produced
in any other manner, all as determined by the officers executing such Debt Securities, as evidenced by their execution thereof. 

SECTION 2.03. Form of Trustee’s Certificate of Authentication. The following is the form of the Certificate of Authentication
of the Trustee to be endorsed on all Debt Securities substantially as follows: 
 This is one of the Debt Securities of the series
designated therein issued under the within-mentioned Indenture. 
  

					
	  
	 	,
	as Trustee	 	
		
	By:	 	  

		 	Authorized Signatory	 	

  
 14 

 SECTION 2.04. Debt Securities in Global Form. (a) If the Company shall establish
pursuant to Section 3.01 that the Debt Securities of a particular series are to be issued in whole or in part in the form of one or more Global Debt Securities, then the Company shall execute and the Trustee or its agent shall, in accordance
with Section 3.04 and the Company Order delivered to the Trustee or its agent thereunder, authenticate and deliver such Global Debt Security or Global Debt Securities, which (i) shall represent, and shall be denominated in an amount equal
to the aggregate principal amount of, the Outstanding Debt Securities of such series to be represented by such Global Debt Security or Global Debt Securities, or such portion thereof as the Company shall specify in a Company Order, (ii) shall
be registered in the name of the Depository for such Global Debt Security or Global Debt Securities or its nominee, (iii) shall be delivered by the Trustee or its agent to the Depository or pursuant to the Depository’s instruction or held
by the Trustee as custodian for the Depository and (iv) shall bear a legend substantially to the following effect: “Unless this certificate is presented by an authorized representative of the Depository to the Company or its agent for
registration of transfer, exchange, or payment, and any certificate issued is registered in the name of the nominee of the Depository or in such other name as is requested by an authorized representative of the Depository (and any payment is made to
the nominee of the Depository or to such other entity as is requested by an authorized representative of the Depository), ANY TRANSFER, PLEDGE, OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL inasmuch as the registered
owner hereof, the nominee of the Depository, has an interest herein.” 
 (b) Notwithstanding any other provision of this
Section 2.04 or of Section 3.06, and subject to the provisions of paragraph (c) below, unless the terms of a Global Debt Security expressly permit such Global Debt Security to be exchanged in whole or in part for individual
certificates representing Debt Securities, a Global Debt Security may be transferred, in whole but not in part and in the manner provided in Section 3.06, only to a nominee of the Depository for such Global Debt Security, or to the Depository,
or a successor Depository for such Global Debt Security selected or approved by the Company, or to a nominee of such successor Depository. 

(c) (1) If at any time the Depository for a Global Debt Security notifies the Company that it is unwilling or unable to
continue as Depository for such Global Debt Security or if at any time the Depository for the Global Debt Securities for such series shall no longer be eligible or in good standing under the Securities Exchange Act of 1934, as amended, or other
applicable statute or regulation, the Company shall appoint a successor Depository with respect to such Global Debt Security. If a successor Depository for such Global Debt Security is not appointed by the Company within 90 days after the Company
receives such notice or becomes aware of such ineligibility, the Company will execute, and the Trustee or its agent, upon receipt of a Company Request for the 

  
 15 

 
authentication and delivery of certificates representing Debt Securities of such series in exchange for such Global Debt Security, will authenticate and deliver, certificates representing Debt
Securities of such series of like tenor and terms in an aggregate principal amount equal to the principal amount of the Global Debt Security in exchange for such Global Debt Security. 

(2) The Company may at any time and in its sole discretion (subject, however, to the procedures of the Depository) determine that the Debt
Securities of any series or portion thereof issued or issuable in the form of one or more Global Debt Securities shall no longer be represented by such Global Debt Security or Global Debt Securities. In such event the Company will execute, and the
Trustee, upon receipt of a Company Request for the authentication and delivery of certificates representing Debt Securities of such series in exchange in whole or in part for such Global Debt Security, will authenticate and deliver certificates
representing Debt Securities of such series of like tenor and terms in definitive form in an aggregate principal amount equal to the principal amount of such Global Debt Security or Global Debt Securities representing such series or portion thereof
in exchange for such Global Debt Security or Global Debt Securities. 
 (3) If an Event of Default with respect to Debt Securities issued or
issuable in the form of a Global Debt Security has occurred and is continuing, the Depository for such Global Debt Security may surrender such Global Debt Security in exchange in whole or in part for certificates representing Debt Securities of such
series of like tenor and terms in definitive form on such terms as are acceptable to the Company and such Depository. Thereupon the Company shall execute, and the Trustee or its agent shall authenticate and deliver, without a service charge,
(A) to each Person specified by the Depository a certificate or certificates representing Debt Securities of the same series of like tenor and terms and of any authorized denomination as requested by such Person in an aggregate principal amount
equal to and in exchange for such Person’s beneficial interest as specified by the Depository in the Global Debt Security; and (B) to such Depository a new Global Debt Security of like tenor and terms and in an authorized denomination
equal to the difference, if any, between the principal amount of the surrendered Global Debt Security and the aggregate principal amount of certificates representing Debt Securities delivered to Holders thereof. 

(4) In any exchange provided for in any of the preceding three paragraphs, the Company will execute and the Trustee or its agent will
authenticate and deliver certificates representing Debt Securities in definitive registered form in authorized denominations for Debt Securities of the same series or any integral multiple thereof. Upon the exchange of the entire principal amount of
a Global Debt Security for certificates representing Debt Securities, such Global Debt Security shall be cancelled by the Trustee or its agent. Except as provided in the preceding paragraph, certificates representing Debt Securities issued in
exchange for a Global Debt Security pursuant to this Section shall be registered in such names and in such authorized denominations for Debt Securities of that series or any integral multiple thereof, as the Depository shall instruct the Trustee or
its agent. The Trustee or the Debt Security Registrar shall deliver at its Corporate Trust Office such certificates representing Debt Securities to the Holders in whose names such Debt Securities are so registered. 

  
 16 

 ARTICLE 3. 

THE DEBT SECURITIES. 

SECTION 3.01. Title and Terms. The aggregate principal amount of Debt Securities which may be authenticated and delivered under
this Indenture is unlimited. The Debt Securities may be issued up to the aggregate principal amount of Debt Securities from time to time authorized by or pursuant to a Board Resolution. 

The Debt Securities may be issued in one or more series. All Debt Securities of each series issued under this Indenture shall in all respects
be equally and ratably entitled to the benefits hereof with respect to such series without preference, priority or distinction on account of the actual time or times of the authentication and delivery or maturity of the Debt Securities of such
series. There shall be established in or pursuant to a Board Resolution, and set forth in an Officers’ Certificate to the extent not established in a Board Resolution, or established in one or more indentures supplemental hereto, prior to the
issuance of Debt Securities of any series: 
 (a) the title of the Debt Securities of the series (which shall distinguish the Debt
Securities of the series from all other series of Debt Securities); 
 (b) any limit upon the aggregate principal amount of the Debt
Securities of the series which may be authenticated and delivered under this Indenture (except for Debt Securities authenticated and delivered upon registration of transfer of, or in exchange for, or in lieu of, other Debt Securities of that series
pursuant to this Article Three, the second paragraph of Section 4.03, or Section 11.04); 
 (c) the date or dates (or the manner
of calculation thereof) on which the principal of the Debt Securities of the series is payable; 
 (d) the rate or rates (or the manner of
calculation thereof) at which the Debt Securities of the series shall bear interest, if any, the date or dates from which such interest shall accrue, the Interest Payment Dates on which such interest shall be payable and the Regular Record Date for
the interest payable on any Interest Payment Date; 
 (e) the Place of Payment; 

(f) the period or periods within which, the price or prices at which, the currency or currency units in which, and the terms and conditions
upon which Debt Securities of the series may be redeemed, in whole or in part, at the option of the Company; 
 (g) the obligation, if any,
of the Company to redeem or purchase Debt Securities of the series pursuant to any sinking fund or analogous provisions or at the option of a Holder thereof and the period or periods within which, the price or prices in the currency at which, the
currency or currency units in which, and the terms and conditions upon which Debt Securities of the series shall be redeemed or purchased, in whole or in part, pursuant to such obligation; 

  
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 (h) the denominations in which the Debt Securities of such series shall be issuable if other than
minimum denominations of $2,000 and any integral multiple of $1,000 in excess thereof; 
 (i) if other than Dollars, the currencies in which
payments of interest or principal of (and premium, if any, with respect to) the Debt Securities of the series are to be made; 
 (j) if the
interest on or principal of (or premium, if any, with respect to) the Debt Securities of the series are to be payable, at the election of the Company or a Holder thereof or otherwise, in a currency other than that in which such Debt Securities are
payable, the period or periods within which, and the other terms and conditions upon which, such election may be made, and the time and manner of determining the exchange rate between the currency in such Debt Securities are denominated or stated to
be payable and the currency in which such Debt Securities or any of them are to be so payable; 
 (k) whether the amount of payments of
interest on or principal of (or premium, if any, with respect to) the Debt Securities of such series may be determined with reference to an index, formula or other method (which index, formula or method or method may be based, without limitation, on
one or more currencies, commodities, equity indices or other indices), and, if so, the terms and conditions upon which and the manner in which such amounts shall be determined and paid or payable; 

(l) the extent to which any Debt Securities will be issuable in permanent global form, the manner in which any payments on a permanent global
Debt Security will be made, and the appointment of any Depository relating thereto; 
 (m) any deletions from, modifications of or additions
to the Events of Default or covenants with respect to the Debt Securities of such series, whether or not such Events of Default or covenants are consistent with the Events of Default or covenants set forth herein; 

(n) if any of the Debt Securities of such series are to be issuable upon the exercise of warrants, this shall be so established as well as the
time, manner and place for such Debt Securities to be authenticated and delivered; 
 (o) the inapplicability of any of the provisions of
Article 13 with respect to any series of Debt Securities; 
 (p) the terms of any right to convert the Debt Securities of such series into,
or exchange the Debt Securities for, the Company’s common stock or other securities or property or cash in lieu of the Company’s common stock or other securities or property, or any combination thereof; and 

(q) any other terms of the series (which terms shall not be inconsistent with the provisions of this Indenture). 

All Debt Securities of any one series shall be substantially identical except as to denomination and except as may otherwise be provided in or
pursuant to such Board Resolution and set forth in such Officers’ Certificate or in any such indenture supplemental hereto. 

  
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 Notwithstanding Section 3.01(b) and unless otherwise expressly provided with respect to a
series of Debt Securities, the aggregate principal amount of a series of Debt Securities may be increased and additional Debt Securities of such series may be issued up to the maximum aggregate principal amount authorized with respect to such series
as increased. 
 If any of the terms of the series are established by action taken pursuant to a Board Resolution, a copy of an appropriate
record of such action shall be certified by the Secretary or an Assistant Secretary of the Company and delivered to the Trustee at or prior to the delivery of the Officers’ Certificate setting forth the terms of the series. 

SECTION 3.02. Denominations. The Debt Securities of each series shall be issuable in registered form without coupons in such
denominations as shall be specified as contemplated in Section 3.01. In the absence of any specification with respect to the Debt Securities of any series, the Debt Securities of such series shall be issuable in minimum denominations of $2,000
and any integral multiple of $1,000 in excess thereof, which may be in Dollars or any Foreign Currency. 
 SECTION 3.03. Payment of
Principal and Interest. The principal of, premium, if any, and interest on the Debt Securities shall be payable at the office or agency of the Company designated for that purpose in the Place of Payment, as provided in Section 5.02;
provided, however, that interest may be payable at the option of the Company by check mailed to the address of the Person entitled thereto as such address shall appear on the Debt Security Register on the Regular Record Date for such interest
payment. 
 SECTION 3.04. Execution of Debt Securities. The Debt Securities shall be executed manually or by facsimile in the
name and on behalf of the Company by its Chairman of the Board of Directors, its President, one of its Vice Presidents or its Treasurer and by its Secretary or one of its Assistant Secretaries. Only such Debt Securities as shall bear thereon a
certificate of authentication substantially in the form hereinbefore recited, manually executed by the Trustee, shall be entitled to the benefits of this Indenture or be valid or become obligatory for any purpose. Such certificate by the Trustee
upon any Debt Security executed by the Company shall be conclusive evidence that the Debt Security so authenticated has been duly authenticated and delivered hereunder and that the Holder is entitled to the benefits of this Indenture. 

In case any officer of the Company who shall have executed any of the Debt Securities shall cease to be such officer before the Debt
Securities so executed shall have been authenticated and delivered by the Trustee, or disposed of by the Company, such Debt Securities nevertheless shall be valid and binding and may be authenticated and delivered or disposed of as though the Person
who executed such Debt Securities had not ceased to be such officer of the Company; and any Debt Securities may be executed on behalf of the Company by such Persons as, at the actual date of the execution of such Debt Security, shall be the proper
officers of the Company, although at the date of such Debt Security or of the execution of this Indenture any such Person was not such an officer. 

  
 19 

 At any time and from time to time after the execution and delivery of this Indenture, the Company
may deliver Debt Securities of any series, properly created in accordance with Section 3.01 and executed by the Company, to the Trustee for authentication; and the Trustee shall authenticate and deliver such Debt Securities upon receipt of a
Company Order. In the event that any other Person performs the Trustee’s duties as Authenticating Agent pursuant to a duly executed agreement, the Company shall notify the Trustee in writing of the issuance of any Debt Securities hereunder,
such notice to be delivered in accordance with the provisions of Section 15.03 on the date such Debt Securities are delivered by the Company for authentication to such other Person. 

Prior to any such authentication and delivery, the Trustee shall be entitled to receive, and shall be fully protected in relying upon, in
addition to the Officers’ Certificates relating to the issuance of any series of Debt Securities pursuant to Sections 2.02, 3.01 (if required by that Section), and Section 15.05, Opinions of Counsel stating that: 

(a) all instruments furnished to the Trustee conform to the requirements of this Indenture and constitute sufficient authority hereunder for
the Trustee to authenticate and deliver such Debt Securities; 
 (b) all laws and requirements with respect to the form and execution by the
Company of the supplemental indenture, if any, have been complied with; the execution and delivery of the supplemental indenture, if any, will not violate the terms of this Indenture; the supplemental indenture has been duly qualified under the
Trust Indenture Act of 1939; the Company has corporate or company power to execute and deliver any such supplemental indenture and has taken all necessary corporate action for those purposes; and any such supplemental indenture has been executed and
delivered and constitutes the legal, valid and binding obligation of the Company enforceable in accordance with its terms (subject, as to enforcement of remedies, to applicable bankruptcy, reorganization, insolvency, moratorium or other laws
affecting creditors’ rights generally from time to time in effect); 
 (c) the form and terms of such Debt Securities have been
established in conformity with the provisions of this Indenture; and 
 (d) all laws and requirements with respect to the execution and
delivery by the Company of such Debt Securities have been complied with; the authentication and delivery of the Debt Securities by the Trustee will not violate the terms of this Indenture; the Company has the corporate or company power to issue such
Debt Securities; and such Debt Securities have been duly executed on behalf of the Company and, assuming due authentication and delivery by the Trustee, constitute legal, valid and binding obligations of the Company in accordance with their terms
(subject, as to enforcement of remedies, to applicable bankruptcy, reorganization, insolvency, moratorium or other laws affecting creditors’ rights generally from time to time in effect) and are entitled to the benefits of this Indenture,
equally and ratably with all other Outstanding Debt Securities, if any, of such series. 
 The Trustee shall not be required to authenticate
such Debt Securities if the issue thereof will adversely affect the Trustee’s own rights, duties or immunities under the Debt Securities and this Indenture or otherwise in a manner which is not reasonably acceptable to the Trustee or such
action would expose the Trustee to personal liability to existing Holders. 

  
 20 

 Unless otherwise provided in the form of Debt Security for any series, all Debt Securities shall
be dated the date of their authentication. 
 No Debt Security shall be entitled to any benefit under this Indenture or be valid or
obligatory for any purpose, unless there appears on such Debt Security a certificate of authentication substantially in the form provided for herein executed by the Trustee by manual signature, and such certificate upon any Debt Security shall be
conclusive evidence, and the only evidence, that such Debt Security has been duly authenticated and delivered hereunder. 

SECTION 3.05. Temporary Debt Securities. Pending the preparation of definitive Debt Securities of any series, the Company may
execute, and upon receipt of the documents required by Sections 2.02, 3.01 and 3.04, together with a Company Order, the Trustee shall authenticate and deliver, such temporary Debt Securities which may be printed, lithographed, typewritten,
mimeographed or otherwise produced, in any authorized denominations, substantially of the tenor of such definitive Debt Securities in lieu of which they are issued and with such appropriate insertions, omissions, substitutions and other variations
as the officers executing such temporary Debt Securities may determine, as evidenced by their execution of such temporary Debt Securities. 

If temporary Debt Securities of any series are issued, the Company will cause definitive Debt Securities of such series to be prepared without
unreasonable delay. After the preparation of definitive Debt Securities of any series, the temporary Debt Securities of such series shall be exchangeable for definitive Debt Securities of such series, upon surrender of the temporary Debt Securities
of such series at any office or agency maintained by the Company for such purposes as provided in Section 5.02, without charge to the Holder. Upon surrender for cancellation of any one or more temporary Debt Securities of any series, the
Company shall execute and the Trustee shall authenticate and deliver in exchange therefor a like principal amount of definitive Debt Securities of such series having the same interest rate and Stated Maturity and bearing interest from the same date
of any authorized denominations. Until so exchanged the temporary Debt Securities of such series shall in all respects be entitled to the same benefits under this Indenture as definitive Debt Securities of such series. 

SECTION 3.06. Exchange and Registration of Transfer of Debt Securities. Debt Securities may be exchanged for a like aggregate
principal amount of Debt Securities of such series that are of other authorized denominations. Debt Securities to be exchanged shall be surrendered at any office or agency to be maintained for such purpose by the Company, as provided in
Section 5.02, and the Company shall execute and the Trustee shall authenticate and deliver in exchange therefor the Debt Security or Debt Securities of authorized denominations which the Debt Security Holder making the exchange shall be
entitled to receive. Each agent of the Company appointed pursuant to Section 5.02 as a person authorized to register and register transfer of Debt Securities is sometimes herein referred to as a “Debt Security Registrar.” 

  
 21 

 The Company shall keep, at an office or agency of the Company maintained for such purpose, as
provided in Section 5.02, a register for each series of Debt Securities hereunder (the registers of all Debt Security Registrars being herein sometimes collectively referred to as the “Debt Security Register”) in which, subject to
such reasonable regulations as it may prescribe, the Company shall provide for the registration of Debt Securities and shall register the transfer of Debt Securities as provided in this Article Three. For avoidance of doubt, there shall only be one
Debt Security Register for each series of Debt Securities. At all reasonable times, such Debt Security Register shall be open for inspection by the Trustee and any Debt Security Registrar other than the Trustee. Upon due presentment for registration
of transfer of any Debt Security at any such office or agency, the Company shall execute and cause to be registered and the Trustee shall authenticate and deliver in the name of the transferee or transferees a new Debt Security or Debt Securities of
the same series of authorized denominations for an equal aggregate principal amount. Registration or registration of transfer of any Debt Security by any Debt Security Registrar in the registry books maintained by such Debt Security Registrar, and
delivery of such Debt Security, duly authenticated, shall be deemed to complete the registration or registration of transfer of such Debt Security. The Trustee is hereby appointed as Debt Security Registrar for each series of Debt Securities. 

No Person shall at any time be appointed as or act as a Debt Security Registrar unless such Person is at such time empowered under applicable
law to act as such and duly registered to act as such under and to the extent required by applicable law and regulations. 
 All Debt
Securities presented to a Debt Security Registrar for registration of transfer shall be duly endorsed by, or be accompanied by a written instrument or instruments of transfer in form satisfactory to the Company and such Debt Security Registrar duly
executed by the registered Holder or such Holder’s attorney duly authorized in writing. 
 No service charge shall be made for any
exchange or registration of transfer of Debt Securities, but the Company or the Trustee may require payment of a sum sufficient to cover any tax or other governmental charge that may be imposed in connection therewith. 

The Company shall not be required to issue, exchange or register a transfer of (a) any Debt Securities of any series for a period of 15
days next preceding the mailing of a notice of redemption of Debt Securities of such series and ending at the close of business on the day of the mailing of a notice of redemption of Debt Securities of such series so selected for redemption, or
(b) any Debt Securities selected, called or being called for redemption except, in the case of any Debt Security to be redeemed in part, the portion thereof not so to be redeemed. 

All Debt Securities issued in exchange for or upon registration of transfer of Debt Securities shall be valid obligations of the Company,
evidencing the same debt, and entitled to the same benefits under this Indenture, as the Debt Securities surrendered for such exchange or registration of transfer. 

None of the Trustee, any agent of the Trustee, any paying agent or the Company will have any responsibility or liability for any aspect of the
records relating to or payments made on account of beneficial ownership interests of a Global Debt Security or for maintaining, supervising or reviewing any records relating to such beneficial ownership interests. 

  
 22 

 SECTION 3.07. Mutilated, Destroyed, Lost or Stolen Debt Securities. In case any
temporary or definitive Debt Security shall become mutilated or be destroyed, lost or stolen, the Company in its discretion may execute, and upon its request the Trustee shall authenticate and deliver, a new Debt Security, bearing a number, letter
or other distinguishing mark not contemporaneously Outstanding, in exchange and substitution for the mutilated Debt Security, or in lieu of and in substitution for the Debt Security so destroyed, lost or stolen. In every case the applicant for a
substituted Debt Security shall furnish to the Company and to the Trustee such security or indemnity as may be required by them to save each of them harmless, and, in every case of destruction, loss or theft, the applicant shall also furnish to the
Company and to the Trustee evidence to their satisfaction of the destruction, loss or theft, of such Debt Security and of the ownership thereof. 

In the absence of notice to the Trustee or the Company that such Debt Security has been acquired by a bona fide purchaser, the Trustee shall
authenticate any such substituted Debt Security and deliver the same upon any Company Request. Upon the issuance of any substituted Debt Security, the Company may require the payment of a sum sufficient to cover any tax or other governmental charge
that may be imposed in relation thereto and any other expenses connected therewith. In case any Debt Security which has matured or is about to mature shall become mutilated or be destroyed, lost or stolen, the Company may, instead of issuing a
substituted Debt Security, pay or authorize the payment of the same (without surrender thereof except in the case of a mutilated Debt Security) if the applicant for such payment shall furnish to the Company and to the Trustee such security or
indemnity as may be required by them to save each of them harmless and, in case of destruction, loss or theft, evidence satisfactory to the Company and to the Trustee of the destruction, loss or theft of such Debt Security and of the ownership
thereof. 
 Every substituted Debt Security issued pursuant to the provisions of this Section 3.07 by virtue of the fact that any Debt
Security is destroyed, lost or stolen shall constitute an additional contractual obligation of the Company, whether or not the destroyed, lost or stolen Debt Security shall be found at any time, and shall be entitled to all the benefits of this
Indenture equally and proportionately with any and all other Debt Securities duly issued hereunder. All Debt Securities shall be held and owned upon the express condition that the foregoing provisions are exclusive with respect to the replacement or
payment of mutilated, destroyed, lost or stolen Debt Securities and shall preclude (to the extent permitted by law) any and all other rights or remedies with respect to the replacement or payment of negotiable instruments or other securities without
their surrender. 
 SECTION 3.08. Payment of Interest; Interest Rights Preserved. Interest which is payable, and is punctually
paid or duly provided for, on any Interest Payment Date, on any Debt Security, shall unless otherwise provided in such Debt Security be paid to the Person in whose name the Debt Security (or one or more Predecessor Debt Securities) is registered at
the close of business on the Regular Record Date for such interest. 

  
 23 

 Unless otherwise stated in the form of Debt Security of a series, interest on the Debt Securities
of any series shall be computed on the basis of a 360 day year comprised of twelve 30 day months. 
 Any interest on any Debt Security which
is payable, but is not punctually paid or duly provided for, on any Interest Payment Date (herein called “Defaulted Interest”) shall forthwith cease to be payable to the registered Holder on the relevant Regular Record Date by virtue of
having been such Holder, and such Defaulted Interest may be paid by the Company, at its election in each case, as provided in Clause (a) or (b) below: 

(a) The Company may elect to make payment of any Defaulted Interest to the Persons in whose names any such Debt Securities (or their
respective Predecessor Debt Securities) are registered at the close of business on a Special Record Date for the payment of such Defaulted Interest, which shall be fixed in the following manner. The Company shall notify the Trustee in writing of the
amount of Defaulted Interest proposed to be paid on each Debt Security and the date of the proposed payment, and at the same time the Company shall deposit with the Trustee an amount of money equal to the aggregate amount proposed to be paid in
respect of such Defaulted Interest or shall make arrangements satisfactory to the Trustee for such deposit prior to the date of the proposed payment, such money when deposited to be held in trust for the benefit of the Persons entitled to such
Defaulted Interest as in this clause provided. Thereupon the Trustee shall fix a Special Record Date for the payment of such Defaulted Interest which shall be not more than 15 days and not less than 10 days prior to the date of the proposed payment
and not less than 10 days after the receipt by the Trustee of the notice of the proposed payment. The Trustee shall promptly notify the Company of such Special Record Date and, in the name and at the expense of the Company, shall cause notice of the
proposed payment of such Defaulted Interest and the Special Record Date therefor to be mailed, first-class postage prepaid, to each Holder of such Debt Securities, at such Holder’s address as it appears in the Debt Security Register, not less
than 10 days prior to such Special Record Date. Notice of the proposed payment of such Defaulted Interest and the Special Record Date therefor having been mailed as aforesaid, such Defaulted Interest shall be paid to the Persons in whose names such
Debt Securities (or their respective Predecessor Debt Securities) are registered at the close of business on such Special Record Date and shall no longer be payable pursuant to the following Clause (b). 

(b) The Company may make payment of any Defaulted Interest in any other lawful manner not inconsistent with the requirements of any securities
exchange on which the Debt Securities of that series may be listed, and upon such notice as may be required by such exchange, if, after notice given by the Company to the Trustee of the proposed payment pursuant to this Clause, such payment shall be
deemed practicable by the Trustee. 
 Subject to the foregoing provisions of this Section, each Debt Security delivered under this Indenture
upon transfer of or in exchange for or in lieu of any other Debt Security shall carry the rights to interest accrued and unpaid, and to accrue, which were carried by such other Debt Security. 

  
 24 

 SECTION 3.09. Persons Deemed Owners. The Company, the Trustee and any agent of the
Company or the Trustee may treat the Person in whose name any Debt Security is registered as the owner of such Debt Security for the purpose of receiving payment of principal of, premium, if any, and (subject to Section 3.08) interest on, such
Debt Security and for all other purposes whatsoever whether or not such Debt Security be overdue, and neither the Company, the Trustee, nor any agent of the Company or the Trustee shall be affected by notice to the contrary. 

SECTION 3.10. Cancellation of Debt Securities Paid, etc. All Debt Securities surrendered for the purpose of payment, redemption,
exchange or registration of transfer or delivered in satisfaction in whole or in part of any sinking fund obligation shall, if surrendered to the Company or any agent of the Trustee or the Company under this Indenture, be delivered to the Trustee
and promptly cancelled by it, or, if surrendered to the Trustee, shall be promptly cancelled by it, and no Debt Securities shall be issued in lieu thereof except as expressly permitted by any of the provisions of this Indenture. The Company may at
any time deliver to the Trustee for cancellation any Debt Securities previously authenticated and delivered hereunder which the Company may have acquired in any manner whatsoever, and may deliver to the Trustee (or to any other Person for delivery
to the Trustee) for cancellation any Debt Securities previously authenticated hereunder which the Company has not issued and sold, and all Debt Securities so delivered shall be promptly cancelled by the Trustee. The Trustee shall dispose of
cancelled Debt Securities in accordance with its customary procedures unless directed by a Company Order. 
 SECTION 3.11. Currency
and Manner of Payments. (a) With respect to Debt Securities denominated in Dollars or a Foreign Currency, the following payment provisions shall apply: 

(1) Except as provided in subparagraph (a)(2) or in paragraph (c) of this Section 3.11, payment of principal of and premium, if any,
on any Debt Securities will be made at the offices established pursuant to Section 5.02 by delivery of a check in the currency in which the Debt Security is denominated on the payment date against surrender of such Debt Security, and any
interest on any Debt Security will be paid at such office by mailing a check in the currency in which the Debt Securities were issued to the Person entitled thereto at the address of such Person appearing on the Debt Security Register. 

(2) Payment of the principal of and premium, if any, and interest on such Debt Security may also, subject to applicable laws and regulations
and subject to surrender as aforesaid in the case of principal and premium, if any, be made at such other place or places as may be designated by the Company by any appropriate method. 

(b) Not later than the fourth Business Day after the Regular Record Date for such Interest Payment Date, the paying agent will
deliver to the Company a written notice specifying, in the currency in which each series of the Debt Securities are denominated, the respective aggregate amounts of principal of and premium, if any, and interest on the Debt Securities to be made on
such payment date, specifying the amounts so payable in respect of the Debt Securities. The failure of the paying agent to deliver such notice shall not relieve the Company from its obligation to make all payments with respect to any Debt Security
when due. 

  
 25 

 (c) If the Foreign Currency in which any of the Debt Securities are denominated
ceases to be used both by the government of the country which issued such currency and for the settlement of transactions by public institutions of or within the international banking community, then with respect to each date for the payment of
Foreign Currency occurring after the last date on which the Foreign Currency was so used (the “Conversion Date”), the Dollar shall be the currency of payment for use on each such Interest Payment Date. The Dollar amount to be paid by the
Company to the Trustee and by the Trustee or any paying agent to the Holder of such Debt Securities with respect to such payment date shall be the Dollar Equivalent of the Foreign Currency as determined by the Currency Determination Agent in the
manner provided in paragraph (d) below. 
 (d) The “Dollar Equivalent of the Foreign Currency” shall be
determined by the Currency Determination Agent by converting the specified Foreign Currency into Dollars at the Market Exchange Rate as of the Conversion Date. 

(e) The “Market Exchange Rate” shall mean, for any currency, the highest firm bid quotation for U.S. dollars received
by the Currency Determination Agent at approximately 11:00 a.m., New York City time, on the second Business Day preceding the applicable payment date (or, if no such rate is quoted on such date, the last date on which such rate was quoted, or under
the circumstances described in the foregoing paragraph (c), on the Conversion Date), from three recognized foreign exchange dealers in the City of New York selected by the Currency Determination Agent and approved by the Company (one of which may be
the Currency Determination Agent) for the purchase by the quoting dealer, for settlement on such payment date, of the aggregate amount of such currency payable on such payment in respect of all Notes denominated in such currency. 

(f) All decisions and determinations of the Currency Determination Agent regarding the Dollar Equivalent of the Foreign
Currency and the Market Exchange Rate shall be in its sole discretion and shall, in the absence of manifest error, be conclusive for all purposes and irrevocably binding upon the Company and all Holders of the Debt Securities. In the event that the
Foreign Currency ceases to be used both by the government of the country which issued such currency and for the settlement of transactions by public institutions of or within the international banking community, the Company, after learning thereof,
will promptly give notice thereof to the Trustee (and the Trustee will promptly thereafter give notice in the manner provided in Section 15.03 to the Holders) specifying the Conversion Date. 

(g) The Trustee shall be fully justified and protected in relying on and acting upon the information so received by it from the
Company or the Currency Determination Agent and shall not otherwise have any duty or obligation to determine such information independently. 

(h) If the principal of (and premium, if any) and interest on any Debt Securities is payable in a Foreign Currency and such
Foreign Currency is not available for 

  
 26 

 
payment due to the imposition of exchange controls or other circumstances beyond the control of the Company, then the Company shall be entitled to satisfy its obligations to Holders under this
Indenture by making such payment in Dollars on the basis of the Market Exchange Rate for such Foreign Currency on the latest date for which such rate was established on or before the date on which payment is due. Any payment made pursuant to this
Section 3.11 in Dollars where the required payment is in a Foreign Currency shall not constitute a default or Event of Default under this Indenture. 

SECTION 3.12. CUSIP Numbers. The Company in issuing the Debt Securities may use “CUSIP” numbers (if then generally in
use), and, if so, the Trustee shall use “CUSIP” numbers in notices of redemption as a convenience to Holders; provided that any such notice may state that no representation is made as to the correctness of such numbers either as
printed on the Debt Securities or as contained in any notice of a redemption and that reliance may be placed only on the other identification numbers printed on the Debt Securities, and any such redemption shall not be affected by any defect in or
omission of such numbers. The Company will promptly notify the Trustee of any changes in the “CUSIP” numbers. 
 ARTICLE 4.

 REDEMPTION OF DEBT SECURITIES; SINKING FUNDS. 

SECTION 4.01. Applicability of Article. The Company may reserve the right to redeem and pay before Stated Maturity all or any part
of the Debt Securities of any series, either by optional redemption, sinking fund (mandatory or optional) or otherwise, by provision therefor in the form of Debt Security for such series on such terms as are specified in such form or the Board
Resolution or Officers’ Certificate delivered pursuant to Section 3.01 or the indenture supplemental hereto as provided in Section 3.01 with respect to Debt Securities of such series. Redemption of Debt Securities of any series shall
be made in accordance with the terms of such Debt Securities and, to the extent that this Article does not conflict with such terms, in accordance with this Article. 

SECTION 4.02. Notice of Redemption; Selection of Debt Securities. In case the Company shall desire to exercise the right to redeem
all, or, as the case may be, any part of a series of Debt Securities pursuant to Section 4.01, the Company shall fix a date for redemption and the Company, or, at the Company’s request, the Trustee in the name of and at the expense of the
Company, shall mail a notice of such redemption at least 30 and not more than 60 days prior to the date fixed for redemption to the Holders of Debt Securities so to be redeemed as a whole or in part at their last addresses as the same appear on the
Debt Security Register, provided, however, that the Company shall have delivered to the Trustee, at least 45 days prior to the Redemption Date (or such shorter period as may be acceptable to the Trustee), an Officers’ Certificate requesting
that the Trustee give such notice and setting forth the information to be stated in such notice as provided in the next succeeding paragraph. Such mailing shall be by first class mail; provided, however, that so long as the Debt Securities of such
series are represented by one or more Global Debt Securities, such notice shall be given in accordance with the procedures of the Depository therefor. The notice if mailed in the manner herein provided shall be conclusively presumed to have been
duly given, whether or not the Holder receives such 

  
 27 

 
notice. In any case, failure to give such notice by mail or any defect in the notice to the Holder of any Debt Security designated for redemption as a whole or in part shall not affect the
validity of the proceedings for the redemption of any other Debt Security. 
 Notice of redemption shall be given in the name of the Company
and shall specify the date fixed for redemption, the Redemption Price at which Debt Securities of any series are to be redeemed, or if not then ascertainable, the manner of calculation thereof, the place of payment (which shall be at the offices or
agencies to be maintained by the Company pursuant to Section 5.02), that payment of the Redemption Price will be made upon presentation and surrender of such Debt Securities, that interest accrued to the date fixed for redemption will be paid
as specified in said notice, that on and after said date interest thereon or on the portions thereof to be redeemed will cease to accrue, and the Section of this Indenture or the paragraph or section of the Debt Securities pursuant to which Debt
Securities will be redeemed. In case less than all Debt Securities of any series are to be redeemed, the notice of redemption shall also identify the particular Debt Securities to be redeemed as a whole or in part and shall state that the redemption
is for the sinking fund, if such is the case. In case any Debt Security is to be redeemed in part only, the notice of redemption shall state the portion of the principal amount thereof to be redeemed and shall state that on and after the date fixed
for redemption, upon surrender of such Debt Security, a new Debt Security or Debt Securities of such series in aggregate principal amount equal to the unredeemed portion thereof will be issued without charge to the Holder. 

If Debt Securities of any series are to be redeemed, the Company shall give the Trustee notice, at least 45 days (or such shorter period
acceptable to the Trustee) in advance of the date fixed for redemption, as to the aggregate principal amount of Debt Securities to be redeemed and as to the date fixed for redemption. Debt Securities may be redeemed in part in multiples equal to the
minimum authorized denomination for Debt Securities of such series or any multiple thereof. Thereupon the Trustee shall select, in such manner as in its sole discretion it shall deem appropriate and fair, the Debt Securities or portions thereof to
be redeemed, and shall as promptly as practicable notify the Company of the Debt Securities or portions thereof so selected; provided, however, if the Debt Securities of such series are represented by one or more Global Debt Securities, interests in
such Debt Securities shall be selected for redemption by the Depository therefor in accordance with its customary procedures and the Trustee shall have no responsibilities with respect to such selection. For all purposes of this Indenture, unless
the context otherwise requires, all provisions relating to the redemption of Debt Securities of any series shall relate, in the case of any Debt Security redeemed or to be redeemed only in part, to the portion of the principal amount of such Debt
Security which has been or is to be redeemed. In the case of any redemption of Debt Securities (a) prior to the expiration of any restriction on such redemption provided in the terms of such Debt Securities or elsewhere in this Indenture, or
(b) pursuant to an election of the Company which is subject to a condition specified in the terms of such Debt Securities or elsewhere in this Indenture, the Company shall furnish the Trustee with an Officers’ Certificate evidencing
compliance with such restriction or condition. 
 On or prior to the date fixed for redemption specified in the notice of redemption given
as provided in this Section 4.02, the Company will deposit with the Trustee or with the paying agent an amount of money in the currency in which the Debt Securities of such series are payable sufficient to redeem on the date fixed for
redemption all the Debt Securities so called for redemption at the appropriate Redemption Price, together with accrued interest to the date fixed for redemption. 

  
 28 

 The Trustee shall not mail any notice of redemption of any series of Debt Securities during the
continuation of any default in payment of interest on any series of Debt Securities when due or of any Event of Default, except that where notice of redemption with respect to any series of Debt Securities shall have been mailed prior to the
occurrence of such default or Event of Default, the Trustee shall redeem such Debt Securities provided funds are deposited with it for such purpose. 

SECTION 4.03. Payment of Debt Securities Called for Redemption. If notice of redemption has been given as herein provided, the
Debt Securities or portions of Debt Securities with respect to which such notice has been given shall become due and payable on the date and at the place stated in such notice at the applicable Redemption Price, together with interest accrued to the
date fixed for redemption, and on and after said date (unless the Company shall default in the payment of such Debt Securities or portions thereof at the Redemption Price, together with interest accrued to said date) interest on the Debt Securities
or portions of Debt Securities so called for redemption shall cease to accrue, and such Debt Securities and portions of Debt Securities shall be deemed not to be Outstanding hereunder and shall not be entitled to any benefit under this Indenture
except to receive payment of the Redemption Price, together with accrued interest to the date fixed for redemption. On presentation and surrender of such Debt Securities at the place of payment in said notice specified, the said Debt Securities or
the specified portions thereof shall be paid and redeemed by the Company at the applicable Redemption Price, together with interest accrued thereon to the date fixed for redemption; provided, however, that any installments of interest becoming due
on or prior to the date fixed for redemption shall be payable to the Holders of such Debt Securities, or one or more previous Debt Securities evidencing all or a portion of the same debt as that evidenced by such particular Debt Securities,
registered as such on the relevant record dates according to their terms and the provisions of Section 3.08. 
 Upon presentation and
surrender of any Debt Security redeemed in part only, with, if the Company or the Trustee so requires, due endorsement by, or a written instrument of transfer in form satisfactory to the Company and the Trustee duly executed by, the Holder thereof
or such Holder’s attorney duly authorized in writing, the Company shall execute and the Trustee shall authenticate and deliver to the Holder thereof, at the expense of the Company, a new Debt Security or Debt Securities of the same series
having the same interest rate and Stated Maturity and bearing interest from the same date, of any authorized denominations as requested by such Holder, in aggregate principal amount equal to the unredeemed portion of the Debt Security so presented
and surrendered. 
 SECTION 4.04. Exclusion of Certain Debt Securities from Eligibility for Selection for Redemption. Debt
Securities shall be excluded from eligibility for selection for redemption if they are identified by registration and certificate number in a written statement signed by a Responsible Officer of the Company and delivered to the Trustee at least 45
days prior to the last date on 

  
 29 

 
which notice of redemption may be given as being owned of record and beneficially by, and not pledged or hypothecated by, either (a) the Company or (b) an entity specifically identified
in such written statement as directly or indirectly controlling or controlled by or under direct or indirect common control with the Company. 

SECTION 4.05. Provisions with Respect to any Sinking Funds. Unless the form or terms of any series of Debt Securities shall
provide otherwise, in lieu of making all or any part of any mandatory sinking fund payment with respect to such series of Debt Securities in cash, the Company may at its option (a) deliver to the Trustee for cancellation any Debt Securities of
such series theretofore acquired by the Company, or (b) receive credit for any Debt Securities of such series (not previously so credited) acquired by the Company and theretofore delivered to the Trustee for cancellation or redeemed pursuant to
provisions for an optional redemption or optional sinking fund redemption, then Debt Securities so delivered or credited shall be credited at the applicable sinking fund Redemption Price with respect to the Debt Securities of such series. 

On or before the 45th day next preceding each sinking fund Redemption Date, the Company will deliver to the Trustee a certificate signed by
the Chief Financial Officer, any Vice President, the Treasurer or any Assistant Treasurer of the Company specifying (i) the portion of the mandatory sinking fund payment to be satisfied by deposit of cash in the currency in which the Debt
Securities of such series are payable, by delivery of Debt Securities theretofore purchased or otherwise acquired by the Company (which Debt Securities shall accompany such certificate) and by credit for Debt Securities acquired by the Company and
theretofore delivered to the Trustee for cancellation or redeemed by the Company pursuant to provisions for optional redemption or optional sinking fund redemption and stating that the credit to be applied has not theretofore been so applied and the
basis for such credit and (ii) whether the Company intends to exercise its right, if any, to make an optional sinking fund payment, and, if so, the amount thereof. Such certificate shall also state that no Event of Default has occurred and is
continuing. Such certificate shall be irrevocable and upon its delivery the Company shall be obligated to make the payment or payments therein referred to, if any, on or before the next succeeding sinking fund payment date. In case of the failure of
the Company on or before the 45th day next preceding each sinking fund Redemption Date to deliver such certificate (or to deliver the Debt Securities specified in this paragraph), the sinking fund payment due on the next succeeding sinking fund
payment date shall be paid entirely in cash (in the currency described above) and shall be sufficient to redeem the principal amount of Debt Securities as a mandatory sinking fund payment, without the option to deliver or credit Debt Securities as
provided in the first paragraph of this Section 4.05 and without the right to make an optional sinking fund payment as provided herein. 

If the sinking fund payment or payments (mandatory or optional) with respect to any series of Debt Securities made in cash (in the currency
described above) shall exceed the minimum authorized denomination set forth in an Officers’ Certificate pursuant to Section 3.01 or the equivalent in the currency in which the Debt Securities of such series are payable (or a lesser sum if
the Company shall so request), unless otherwise provided by the terms of such series of Debt Securities, said cash shall be applied by the Trustee on the sinking fund Redemption Date with respect to Debt Securities of such series at the applicable
sinking fund 

  
 30 

 
Redemption Price with respect to Debt Securities of such series, together with accrued interest, if any, to the date fixed for redemption, with the effect provided in Section 4.03. The
Trustee shall select, in the manner provided in Section 4.02, for redemption on such sinking fund Redemption Date a sufficient principal amount of Debt Securities of such series to utilize said cash and shall thereupon cause notice of
redemption of the Debt Securities of such series for the sinking fund to be given in the manner provided in Section 4.02 (and with the effect provided in Section 4.03) for the redemption of Debt Securities in part at the option of the
Company. Debt Securities of any series which are identified by registration and certificate number in an Officers’ Certificate at least 45 days prior to the sinking fund Redemption Date as being beneficially owned by, and not pledged or
hypothecated by, the Company or an entity directly or indirectly controlling or controlled by or under direct or indirect common control with the Company shall be excluded from Debt Securities of such series eligible for selection for redemption.
Any sinking fund moneys not so applied or allocated by the Trustee to the redemption of Debt Securities of such series shall be added to the next cash sinking fund payment with respect to Debt Securities of such series received by the Trustee and,
together with such payment, shall be applied in accordance with the provisions of this Section 4.05. Any and all sinking fund moneys with respect to Debt Securities of any series held by the Trustee at the maturity of Debt Securities of such
series, and not held for the payment or redemption of particular Debt Securities of such series, shall be applied by the Trustee, together with other moneys, if necessary, to be deposited sufficient for the purpose, to the payment of the principal
of the Debt Securities of such series at maturity. 
 The Trustee shall not convert any currency in which the Debt Securities of such series
are payable for the purposes of such sinking fund application unless a Company Request is made, and any such conversion agreed to by the Trustee in response to such request shall be for the account and at the expense of the Company and shall not
affect the Company’s obligation to pay the Holders in the currency to which such Holder is entitled. 
 On or before each sinking fund
Redemption Date provided with respect to Debt Securities of any series, the Company shall pay to the Trustee in cash in the currency described above a sum equal to all accrued interest, if any, to the date fixed for redemption on Debt Securities to
be redeemed on such sinking fund Redemption Date pursuant to this Section 4.05. 
 ARTICLE 5. 

PARTICULAR COVENANTS OF THE COMPANY. 

SECTION 5.01. Payment of Principal, Premium and Interest. The Company will duly and punctually pay or cause to be paid (in the
currency in which the Debt Securities of such series are payable) the principal of and premium, if any, and interest on each of the Debt Securities at the place (subject to Section 3.03), at the respective times and in the manner provided in
each series of Debt Securities and in this Indenture. 
 SECTION 5.02. Offices for Notices and Payments, etc. (a) So long as the
Debt Securities of any series remain Outstanding, the Company will maintain at the Place of Payment, an office or agency where the Debt Securities may be 

  
 31 

 
presented for payment, an office or agency where the Debt Securities may be presented for registration of transfer and for exchange as provided in this Indenture, and an office or agency where
notices and demands to or upon the Company in respect of the Debt Securities or of this Indenture may be served and shall give the Trustee written notice thereof and any changes in the location thereof. In case the Company shall at any time fail to
maintain any such office or agency, or shall fail to give notice to the Trustee of any change in the location thereof, presentation and demand may be made and notice may be served in respect of the Debt Securities or of this Indenture at said office
of the Trustee. The Company hereby appoints the Trustee as its agent for all of the foregoing purposes with respect to the Debt Securities of each series. 

(b) In addition to the office or agency maintained by the Company pursuant to Section 5.02(a), the Company may from time
to time designate one or more other offices or agencies where the Debt Securities may be presented for payment and presented for registration of transfer and for exchange in the manner provided in this Indenture, and the Company may from time to
time rescind such designations, as the Company may deem desirable or expedient; provided, however, that no such designation or rescission shall in any manner relieve the Company of its obligation to maintain such office and agency at
the Place of Payment, for the purposes abovementioned. The Company will give to the Trustee prompt written notice of (i) any such designation or rescission thereof, and (ii) the location of any such office or agency outside the Place of
Payment and of any change of location thereof. 
 SECTION 5.03. Appointments to Fill Vacancies in Trustee’s Office. The
Company, whenever necessary to avoid or fill a vacancy in the office of Trustee, will appoint, in the manner provided in Section 8.10, a Trustee, so that there shall at all times be a Trustee hereunder. 

SECTION 5.04. Provisions as to Paying Agent. (a) (1) Whenever the Company shall have one or more paying agents for any
series of Debt Securities other than the Trustee, it will, on or before each due date of the principal of (and premium, if any) or interest on any Debt Securities of such series, deposit with a paying agent a sum sufficient to pay such amount
becoming due, such sum to be held as provided by the Trust Indenture Act of 1939, and (unless such paying agent is the Trustee) the Company will promptly notify the Trustee of its action or failure so to act. 

(2) The Company will cause each paying agent other than the Trustee to execute and deliver to the Trustee an instrument in which such paying
agent shall agree with the Trustee, subject to the provisions of this Section, that such paying agent will: (i) comply with the provisions of the Trust Indenture Act of 1939 applicable to it as a paying agent and (ii) during the
continuance of any default by the Company (or any other obligor upon any series of Debt Securities) in the making of any payment in respect of the Debt Securities of such series, upon the written request of the Trustee, forthwith pay to the Trustee
all sums held in trust by such paying agent as such. 

  
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 (b) If the Company shall act as its own paying agent, it will, on or prior to
each due date of the principal of and premium, if any, or interest on Debt Securities of any series, set aside, segregate and hold in trust for the benefit of the Holders of such Debt Securities a sum sufficient to pay such principal and premium, if
any, or interest so becoming due and will notify the Trustee of any failure to take such action and of any failure by the Company (or by any other obligor on such series of Debt Securities) to make any payment of the principal of and premium, if
any, or interest on the Debt Securities when the same shall become due and payable. 
 (c) Anything in this Section 5.04
to the contrary notwithstanding, the Company may, at any time, for the purpose of obtaining a satisfaction and discharge of this Indenture with respect to any or all series of Debt Securities then Outstanding, or for any other reason, pay or cause
to be paid to the Trustee all sums held in trust by the Company, or any paying agent hereunder, as required by this Section 5.04, such sums to be held by the Trustee upon the trusts herein contained. 

(d) Anything in this Section 5.04 to the contrary notwithstanding, the agreement to hold sums in trust provided in this
Section 5.04 is subject to Section 13.04. 
 SECTION 5.05. Certificate to Trustee. So long as the Debt Securities of
any series remain Outstanding, the Company will deliver to the Trustee on or before 120 days after the end of each fiscal year an Officers’ Certificate stating that such officer has reviewed the covenants of the Indenture with respect to each
outstanding series of Debt Securities and, in the course of the performance by the signers of their duties as officers of the Company, they would normally have knowledge of any default by the Company in the performance or fulfillment or observance
of any covenants or agreements contained herein during the preceding fiscal year, stating whether or not they have knowledge of any such default and, if so, specifying each such default of which the signers have knowledge and the nature thereof. The
Officers’ Certificate need not comply with Section 15.05. One of the signatories to this Officers’ Certificate shall be the Company’s principal executive officer, principal financial officer or principal accounting officer. 

SECTION 5.06. Waivers of Covenants. Anything in this Indenture to the contrary notwithstanding, the Company may fail or omit, in
respect of any series of Debt Securities, and in any particular instance, to comply with a covenant, agreement or condition contained in Section 5.05 (unless required to be complied with pursuant to Section 314(a)(4) of the Trust Indenture
Act of 1939), or with any additional covenant, agreement or condition contained in a Board Resolution or Officers’ Certificate establishing such series of Debt Securities, any indenture supplemental hereto applicable to such series or any Debt
Security of such series (unless such Board Resolution, Officers’ Certificate, or supplemental indenture provides otherwise) if the Company shall have obtained and filed with the Trustee before or after the time for such compliance the consent
in writing of the Holders of more than 50% in aggregate principal amount of the Debt Securities of the series affected by such waiver at the time Outstanding, either waiving such compliance in such instance or generally waiving compliance with such
covenant or condition, but no such waiver shall extend 

  
 33 

 
to or affect any obligation not expressly waived nor impair any right consequent thereon and, until such waiver shall become effective, the obligations of the Company and the duties of the
Trustee in respect of any such covenant or condition shall remain in full force and effect. 
 ARTICLE 6. 

HOLDERS’ LISTS AND REPORTS BY THE COMPANY 

AND THE TRUSTEE. 

SECTION 6.01. Holders’ Lists. The Company covenants and agrees that it will furnish or cause to be furnished to the Trustee,
not more than 15 days after each Regular Record Date with respect to the Debt Securities of any series, and at such other times as the Trustee may request in writing, within 30 days after receipt by the Company of any such request, a list in such
form as the Trustee may reasonably require of the names and addresses of the Holders of Debt Securities of such series as of a date not more than 15 days prior to the time such information is furnished; provided, however, that no such
list with respect to any particular series of Debt Securities need be furnished at any such time if the Trustee is in possession thereof by reason of its acting as the Debt Security Registrar for such series designated under Section 3.06 or
otherwise. 
 SECTION 6.02. Preservation and Disclosure of Lists. (a) The Trustee shall preserve, in as current a form as
is reasonably practicable, all information as to the names and addresses of the Holders of Debt Securities contained in the most recent list furnished to it as provided in Section 6.01 or received by the Trustee in the capacity of the Debt
Security Registrar (if so acting) under Section 3.06. The Trustee may destroy any list furnished to it as provided in Section 6.01 upon receipt of a new list so furnished. 

(b) The rights of Holders to communicate with other Holders with respect to their rights under this Indenture or under the Debt
Securities of any series or of all Debt Securities, and the corresponding rights and duties of the Trustee, shall be as provided by the Trust Indenture Act of 1939. 

(c) Every Holder of Debt Securities, by receiving and holding the same, agrees with the Company and the Trustee that neither
the Company nor the Trustee nor any agent of either of them shall be held accountable by reason of any disclosure of information as to names and addresses of Holders made pursuant to the Trust Indenture Act of 1939. 

SECTION 6.03. Reports by the Company. The Company agrees to file with the Trustee and the Commission, and transmit to Holders,
such information, documents and other reports, and such summaries thereof, as may be required pursuant to the Trust Indenture Act of 1939 at the times and in the manner provided pursuant to such Act; provided that any such information,
documents or reports required to be filed with the Commission pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, shall be filed with the Trustee within 15 days after the same 

  
 34 

 
is so required to be filed with the Commission; provided further that any such information, documents or reports filed with the Commission pursuant to its Electronic Data Gathering,
Analysis and Retrieval (or EDGAR) system or any successor thereto shall be deemed to be filed with the Trustee. Delivery of such reports, information and documents to the Trustee is for informational purposes only and the Trustee’s receipt of
such shall not constitute constructive notice of any information contained therein or determinable from information contained therein, including the Company’s compliance with any of its covenants hereunder (as to which the Trustee is entitled
to rely exclusively on Officers’ Certificates). 
 SECTION 6.04. Reports by the Trustee. (a) The Trustee shall
transmit to Holders such reports concerning the Trustee and its actions under this Indenture as may be required pursuant to the Trust Indenture Act of 1939 at the times and in the manner provided pursuant thereto. The interval between transmissions
of reports to be transmitted at intervals shall be twelve months or such shorter time required by the Trust Indenture Act of 1939. If the Trust Indenture Act of 1939 does not specify the date on which a report is due, such report shall be due on
July 15 of each year following the first issuance of Debt Securities and shall be as of a date not more than sixty (60) days prior thereto. 

(b) A copy of each such report shall, at the time of such transmission to Holders, be filed by the Trustee with each stock
exchange upon which Debt Securities of any series are listed, with the Commission and with the Company. The Company will notify the Trustee when the Debt Securities of any series are listed on any stock exchange and of any delisting thereof. 

ARTICLE 7. 
 REMEDIES OF
THE TRUSTEE AND HOLDERS 
 ON EVENT OF DEFAULT. 

SECTION 7.01. Events of Default. “Event of Default”, with respect to any series of Debt Securities, wherever used
herein, means any one of the following events (whatever the reason for such Event of Default and whether it shall be voluntary or involuntary or be effected by operation of law or pursuant to any judgment, decree or order of any court or any order,
rule or regulation of any administrative or governmental body), unless such event is either inapplicable to such series or it is specifically deleted or modified in the Board Resolution, Officers’ Certificate or supplemental indenture under
which such series of Debt Securities is issued or in the form of Debt Security for such series: 
 (a) default in the payment
of any installment of interest upon any Debt Security of such series as and when the same shall become due and payable, and continuance of such default for a period of 30 days; 

(b) default in the payment of the principal of and premium, if any, on any Debt Security of such series as and when the same
shall become due and payable either at maturity, upon redemption, by declaration of acceleration or otherwise; 

  
 35 

 (c) default in the payment or satisfaction of any sinking fund payment or
analogous obligation, if any, with respect to the Debt Securities of such series as and when the same shall become due and payable by the terms of the Debt Securities of such series, and continuance of such default for a period of 30 days; 

(d) failure on the part of the Company duly to observe or perform any of the covenants, warranties or agreements on the part of
the Company in respect of the Debt Securities of such series in this Indenture (other than a covenant, warranty or agreement a default in whose performance or whose breach is specifically dealt with elsewhere in this Section) continued for a period
of 90 days after the date on which written notice of such failure, specifying such failure and requiring the same to be remedied, shall have been given to the Company by the Trustee, by registered mail, or to the Company and the Trustee by the
Holders of at least 25% in aggregate principal amount of the Outstanding Debt Securities of such series; 
 (e) if any event
of default as defined in any mortgage, indenture or instrument under which there may be issued, or by which there may be secured or evidenced, any indebtedness of the Company, whether such indebtedness now exists or is hereafter created or incurred,
happens and consists of default in the payment of more than $25,000,000 in principal amount of such indebtedness at the maturity thereof, after giving effect to any applicable grace period, or results in such Indebtedness in principal amount in
excess of $25,000,000 becoming or being declared due and payable prior to the date on which it would otherwise become due and payable, and such default is not cured or such acceleration is not rescinded or annulled within a period of 30 days after
the date on which written notice of such failure, specifying such failure and requiring the same to be remedied, shall have been given to the Company by the Trustee, by registered mail, or to the Company and the Trustee by the Holders of at least
25% in aggregate principal amount of the Outstanding Debt Securities of such series; 
 (f) the failure by the Company within
60 days to pay, bond or otherwise discharge any uninsured judgment or court order for the payment of money in excess of $25,000,000, which is not stayed on appeal or is not otherwise being appropriately contested in good faith; 

(g) a decree or order by a court having jurisdiction in the premises shall have been entered adjudging the Company a bankrupt
or insolvent, or approving as properly filed a petition seeking reorganization of the Company under the Federal bankruptcy laws or any other similar applicable Federal or state law, and such decree or order shall have continued undischarged and
unstayed for a period of 60 days; or a decree or order of a court having jurisdiction in the premises for the appointment of a receiver or liquidator or trustee or assignee or other similar official in bankruptcy or insolvency of the Company or of
all or substantially all of its property, or for the winding up or liquidation of its affairs, shall have been entered, and such decree or order shall have continued undischarged and unstayed for a period of 60 days; 

(h) the Company shall institute proceedings to be adjudicated a voluntary bankrupt, or shall consent to the filing of a
bankruptcy proceeding against it, or shall file a 

  
 36 

 
petition or answer or consent seeking an arrangement or a reorganization under the Federal bankruptcy laws or any other similar applicable Federal or state law, or shall consent to the filing of
any such petition, or shall consent to the appointment of a receiver or liquidator or trustee or assignee or other similar official in bankruptcy or insolvency of it or of all or substantially all of its property, or shall make an assignment for the
benefit of creditors, or shall admit in writing its inability to pay its debts generally as they become due; or 
 (i) any
other Event of Default provided in the Board Resolution, Officers’ Certificate or the supplemental indenture under which such series of Debt Securities is issued or in the form of Debt Security for such series; 

then and in each and every such case, so long as such Event of Default with respect to any series of Debt Securities for which there are Debt Securities
Outstanding occurs and is continuing (other than an Event of Default specified in clause (g) or (h) of this Section 7.01) and shall not have been remedied or waived to the extent permitted by the terms of this Indenture, unless the
principal of all of the Debt Securities of such series shall have already become due and payable, either the Trustee or the Holders of not less than 25% in aggregate principal amount of the Outstanding Debt Securities of such series, by notice in
writing to the Company (and to the Trustee if given by Holders), may declare the principal (or, if the Debt Securities of that series are Original Issue Discount Debt Securities, such portion of the principal amount as may be specified in the terms
of that series) of all the Debt Securities of such series and the interest accrued thereon to be due and payable immediately, and upon any such declaration the same shall become and shall be immediately due and payable, anything in this Indenture or
in the Debt Securities of such series contained to the contrary notwithstanding. If an Event of Default specified in clause (g) or (h) of this Section 7.01 occurs and is continuing, then the principal amount of (or, if the Debt
Securities of that series are Original Issue Discount Debt Securities, such portion of the principal amount as may be specified in the terms thereof as due and payable upon acceleration) and any accrued and unpaid interest on that series shall
immediately become due and payable without any declaration or other act on the part of the Trustee or any Holder. This provision, however, is subject to the condition that if, at any time after the principal of the Debt Securities of such series
shall have been so declared due and payable, and before any judgment or decree for the payment of the moneys due shall have been obtained or entered as hereinafter provided, the Company shall pay or shall deposit with the Trustee a sum sufficient to
pay in the currency in which the Debt Securities of such series are payable all matured installments of interest upon all of the Debt Securities and the principal of and premium, if any, on any and all Debt Securities of such series which shall have
become due otherwise than by such declaration (with interest on overdue installments of interest to the extent that payment of such interest is enforceable under applicable law and on such principal and premium, if any, at the rate borne by the Debt
Securities of such series or as otherwise provided in the form of Debt Security for such series, to the date of such payment or deposit) and all amounts due to the Trustee under Section 8.06, or provision deemed by the Trustee to be adequate
shall have been made therefor, and any and all defaults under this Indenture, other than the nonpayment of principal of and accrued interest on Debt Securities of such series which shall have become due by such declaration, shall have been cured or
shall have been waived in accordance with Section 7.07—then and in every such case the Holders of at least a majority in aggregate principal amount of the Debt Securities of such series then Outstanding, by written notice to the Company

  
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and to the Trustee, may rescind and annul such declaration and its consequences; but no such rescission and annulment shall extend to or shall affect any subsequent default, or shall impair any
right consequent thereon. 
 In case the Trustee or any Holders shall have proceeded to enforce any right under this Indenture and such
proceedings shall have been discontinued or abandoned because of such rescission and annulment or for any other reason or shall have been determined adversely to the Trustee, then and in every such case the Company, the Trustee and the Holders shall
be restored respectively to their several positions and rights hereunder, and all rights, remedies and powers of the Company, the Trustee and the Holders shall continue as though no such proceeding had been taken. 

SECTION 7.02. Payment of Debt Securities Upon Default; Suit Therefor. The Company covenants that (a) in case default shall be
made in the payment of any installment of interest upon any Debt Security of any series as and when the same shall become due and payable, and such default shall have continued for a period of 30 days, or (b) in case default shall be made in
the payment of the principal of and premium, if any, on any Debt Security of any series as and when the same shall have become due and payable, whether at maturity of the Debt Security or upon redemption or by declaration or otherwise or (c) in
case default shall be made in the making or satisfaction of any sinking fund payment or analogous obligation with respect to the Debt Securities of any series when the same becomes due by the terms of the Debt Securities of any series, and such
default shall have continued for a period of 30 days—then, upon demand of the Trustee, the Company will pay to the Trustee, for the benefit of the Holders of any such series, the whole amount that then shall have become due and payable on any
such Debt Securities for principal and premium, if any, or interest, or both, as the case may be, with interest upon the overdue principal and premium, if any, and (to the extent that payment of such interest is enforceable under applicable law)
upon the overdue installments of interest at the rate borne by the Debt Securities of such series or as otherwise provided in the form of Debt Security of such series; and, in addition thereto, such further amount as shall be sufficient to cover the
costs and expenses of collection, including a reasonable compensation to the Trustee, its agents, attorneys and counsel, and any expenses or liabilities incurred and advances made by the Trustee, except compensation or advances arising, or expenses
or liabilities incurred, as a result of the Trustee’s gross negligence or bad faith. 
 Until such demand is made by the Trustee, the
Company may pay the principal of and premium, if any, and interest on the Debt Securities of any series to the Persons entitled thereto, whether or not the principal of and premium, if any, and interest on the Debt Securities of such series are
overdue. 
 In case the Company shall fail forthwith to pay such amounts upon such demand, the Trustee, in its own name and as trustee of an
express trust, shall be entitled and empowered to institute any actions or proceedings at law or in equity for the collection of the sums so due and unpaid, and may prosecute any such action or proceeding to judgment or final decree, and may enforce
any such judgment or final decree against the Company or any other obligor on such Debt Securities and collect, in the manner provided by law out of the property of the Company or any other obligor on such Debt Securities wherever situated, the
moneys adjudged or decreed to 

  
 38 

 
be payable. If any Event of Default with respect to any series of Debt Securities occurs and is continuing, the Trustee may in its discretion proceed to protect and enforce its rights and the
rights of the Holders of Debt Securities of such series by such appropriate judicial proceedings as the Trustee shall deem most effectual to protect and enforce any such rights, whether for the specific enforcement of any covenant or agreement in
this Indenture or in aid of the exercise of any power granted herein, or to enforce any other proper remedy. 
 In case there shall be
pending proceedings for the bankruptcy or for the reorganization of the Company or any other obligor on the Debt Securities of any series under the Federal bankruptcy laws or any other applicable law, or in case a receiver or trustee shall have been
appointed for the property of the Company or such other obligor, or in the case of any other similar judicial proceedings relative to the Company or other obligor upon the Debt Securities of any series, or to the creditors or property of the Company
or such other obligor, the Trustee, irrespective of whether the principal of the Debt Securities of such series shall then be due and payable as therein expressed or by declaration or otherwise and irrespective of whether the Trustee shall have made
any demand pursuant to the provisions of this Section 7.02, shall be entitled and empowered by intervention in such proceedings or otherwise, (a) to file and prove a claim or claims for the whole amount of principal and interest owing and
unpaid in respect of the Debt Securities of such series, and, in case of any judicial proceedings, to file such proofs of claim and other papers or documents as may be necessary or advisable in order to have the claims of the Trustee and of the
Holders of the Debt Securities of such series allowed in such judicial proceedings relative to the Company or any other obligor on such Debt Securities, its or their creditors, or its or their property, (b) unless prohibited by applicable law
and regulations, to vote on behalf of the Holders of any Debt Securities of any series in any election of a trustee or a standby trustee in arrangement, reorganization, liquidation or other bankruptcy or insolvency proceedings or person performing
similar functions in comparable proceedings, and (c) to collect and receive any moneys or other property payable or deliverable on any such claims, and to distribute the same after the deduction of its charges and expenses; and any receiver,
assignee or trustee in bankruptcy or reorganization is hereby authorized by each of the Holders of the Debt Securities of such series to make such payments to the Trustee, and, in the event that the Trustee shall consent to the making of such
payments directly to such Holders, to pay to the Trustee such amount as shall be sufficient to cover reasonable compensation to the Trustee, its agents, attorneys and counsel, and all other expenses and liabilities incurred and advances made by the
Trustee except compensation or advances arising, or expenses or liabilities incurred, as a result of the Trustee’s gross negligence or bad faith. 

Nothing herein contained shall be deemed to authorize the Trustee to authorize or consent to or accept, or adopt on behalf of any Holder any
plan or reorganization, arrangement, adjustment or composition affecting the Debt Securities or the rights of any Holder thereof, or to authorize the Trustee to vote in respect of the claim of any Holder (except, as aforesaid, for the election of a
trustee in bankruptcy or other Person performing similar functions) in any such proceeding. 
 All rights of action and of asserting claims
under this Indenture, or under any of the Debt Securities of any series, may be enforced by the Trustee without the possession of any of such Debt Securities, or the production thereof on any trial or other proceeding relative thereto, and any such
suit or proceeding instituted by the Trustee shall be brought in its own name as trustee of an express trust, and any recovery of judgment shall be for the ratable benefit of the Holders of the Debt Securities of such series in respect of which such
judgment has been recovered. 

  
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 In any proceedings brought by the Trustee (and also any proceedings involving the interpretation
of any provision of this Indenture to which the Trustee shall be a party), the Trustee shall be held to represent all the Holders of the Debt Securities in respect to which such action was taken, and it shall not be necessary to make any Holders of
such Debt Securities parties to any such proceedings. 
 SECTION 7.03. Application of Moneys Collected by Trustee. Any moneys
collected by the Trustee pursuant to Section 7.02 and any other money or property distributed in respect of the Company’s obligations under this Indenture after an Event of Default shall be applied in the order following, at the date or
dates fixed by the Trustee for the distribution of such moneys, upon presentation of the Debt Securities of such series, and stamping thereon the payment, if only partially paid, and upon surrender thereof, if fully paid: 

FIRST: To the payment of costs and expenses of collection and reasonable compensation to the Trustee, its agents, attorneys and counsel, and
of all other expenses and liabilities incurred, and all advances made, by the Trustee except compensation or advances arising, or expenses or liabilities incurred, as a result of its gross negligence or bad faith, and any other amounts owing the
Trustee under Section 8.06; 
 SECOND: To the payment of the amounts then due and unpaid to the holders of Senior Indebtedness, to the
extent required by Article Sixteen; 
 THIRD: In case the principal of the Debt Securities of such series shall not have become due and be
unpaid, to the payment of interest on such Debt Securities, in the order of the maturity of the installments of such interest, with interest (to the extent that such interest has been collected by the Trustee) upon the overdue installments of
interest at the rate borne by such Debt Securities, such payments to be made ratable to the Persons entitled thereto; 
 FOURTH: In case the
principal of the Debt Securities of such series shall have become due, by declaration or otherwise, to the payment of the whole amount then owing and unpaid upon such Debt Securities for principal and premium, if any, and interest, with interest on
the overdue principal and premium, if any, and (to the extent that such interest has been collected by the Trustee) upon overdue installments of interest at the rate borne by such Debt Securities; and in case such moneys shall be insufficient to pay
in full the whole amounts so due and unpaid upon such Debt Securities, then, to the payment of such principal and premium, if any, and interest without preference or priority of principal and premium, if any, over interest, or of interest over
principal and premium, if any, or of any installment of interest over any other installment of interest, or of any Debt Security of such series over any other such Debt Security, ratably to the aggregate of such principal and premium, if any, and
accrued and unpaid interest; 
 FIFTH: To the payment of any surplus then remaining to the Company, its successors or assigns, or to
whomsoever may be lawfully entitled to receive the same. 

  
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 SECTION 7.04. Proceedings by Holders. No Holder of any Debt Security of any series
shall have any right by virtue of or by availing of any provision of this Indenture to institute any suit, action or proceeding in equity or at law or in bankruptcy or otherwise upon or under or with respect to this Indenture or for the appointment
of a receiver or trustee, or for any other remedy hereunder, unless such Holder previously shall have given to the Trustee written notice of default and of the continuance thereof, as hereinbefore provided, and unless also the Holders of not less
than 25% in aggregate principal amount of the Debt Securities of such series then Outstanding shall have made written request upon the Trustee to institute such action, suit or proceeding in its own name as Trustee hereunder and shall have offered
to the Trustee such reasonable indemnity as it may require against the costs, expenses and liabilities to be incurred therein or thereby, and the Trustee for 60 days after its receipt of such notice, request and offer of indemnity, shall have
neglected or refused to institute any such action, suit or proceeding (and no direction inconsistent with such written request shall have been given to the Trustee pursuant to Section 7.07), it being understood and intended, and being expressly
covenanted by the taker and Holder of every Debt Security of every series with every other taker and Holder and the Trustee, that no one or more Holders of Debt Securities shall have any right in any manner whatever by virtue of or by availing of
any provision of this Indenture to affect, disturb or prejudice the rights of any other Holder of such Debt Securities, or to obtain or seek to obtain priority over or preference to any other such Holder, or to enforce any right under this
Indenture, except in the manner herein provided and for the equal, ratable and common benefit of all Holders of Debt Securities. 

SECTION 7.05. Proceedings by Trustee. In case of an Event of Default hereunder the Trustee may in its discretion proceed to
protect and enforce its rights and the rights of the Holders vested in it by this Indenture by such appropriate judicial proceedings as the Trustee shall deem most effectual to protect and enforce any of such rights, either by suit in equity or by
action at law or by proceeding in bankruptcy or otherwise, whether for the specific enforcement of any covenant or agreement contained in this Indenture or in aid of the exercise of any power granted in this Indenture, or to enforce any other legal
or equitable right vested in the Trustee by this Indenture or by law. 
 SECTION 7.06. Remedies Cumulative and Continuing. All
powers and remedies given by this Article Seven to the Trustee or to the Holders shall, to the extent permitted by law, be deemed cumulative and not exclusive of any thereof or of any other powers and remedies available to the Trustee or the
Holders, by judicial proceedings or otherwise, to enforce the performance or observance of the covenants and agreements contained in this Indenture, and no delay or omission of the Trustee or of any Holder to exercise any right or power accruing
upon any default occurring and continuing as aforesaid shall impair any such right or power, or shall be construed to be a waiver of any such default or an acquiescence therein; and, subject to the provisions of Section 7.04, every power and
remedy given by this Article Seven or by law to the Trustee or to the Holders may be exercised from time to time, and as often as shall be deemed expedient, by the Trustee or by the Holders. 

  
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 SECTION 7.07. Direction of Proceedings and Waiver of Defaults by Majority of Holders.
The Holders of a majority in aggregate principal amount of the Outstanding Debt Securities of any series shall have the right to direct the time, method, and place of conducting any proceeding for any remedy available to the Trustee, or exercising
any trust or power conferred on the Trustee with respect to the Debt Securities of such series by this Indenture; provided, however, that (subject to the provisions of Section 8.01) the Trustee shall have the right to decline to follow any such
direction if the Trustee shall determine upon advice of counsel that the action or proceeding so directed may not lawfully be taken or if the Trustee in good faith by its board of directors or trustees, executive committee, or a trust committee of
directors or trustees and/or Responsible Officers shall determine that the action or proceeding so directed would involve the Trustee in personal liability or if the Trustee in good faith shall so determine that the actions or forbearances specified
in or pursuant to such direction would be unduly prejudicial to the interests of Holders of the Debt Securities of all series not joining in the giving of said directions, it being understood that (subject to Section 8.01) the Trustee shall
have no duty to ascertain whether or not such actions or forbearances are duly prejudicial to such Holders. The Trustee may take any other action deemed proper by the Trustee not inconsistent with such direction. Subject to Section 7.01, the
Holders of a majority in aggregate principal amount of the Outstanding Debt Securities of any series may on behalf of the Holders of all the Debt Securities of such series waive any past default or Event of Default hereunder and its consequences
except a default in the payment of principal of or premium, if any, or interest on such Debt Securities, or a default in the making of any sinking fund payment with respect to such Debt Securities. Upon any such waiver the Company, the Trustee and
the Holders of such Debt Securities shall be restored to their former positions and rights hereunder, respectively; but no such waiver shall extend to any subsequent or other default or Event of Default or impair any right consequent thereon.
Whenever any default or Event of Default shall have been waived as permitted by this Section 7.07, said default or Event of Default shall for all purposes of the Debt Securities and this Indenture be deemed to have been cured and to be not
continuing. 
 This Section 7.07 shall be in lieu of Sections 316(a)(1)(A) and 316(a)(1)(B) of the Trust Indenture Act of 1939 and such
Sections 316(a)(1)(A) and 316(a)(1)(B) are hereby expressly excluded from this Indenture, as permitted by the Trust Indenture Act of 1939. 

SECTION 7.08. Notice of Defaults. Within 90 days after the occurrence of any default hereunder with respect to the Debt Securities
of any series, the Trustee shall transmit by first-class by mail, postage prepaid, to all Holders of Debt Securities of such series, as their names and addresses appear in the Debt Security Register, notice of such default hereunder known to the
Trustee, unless such default shall have been cured or waived; provided, however, that, except in the case of a default in the payment of the principal of (or premium, if any) or interest on any Debt Security of such series or in the payment of any
sinking fund installment with respect to Debt Securities of such series, the Trustee shall be protected in withholding such notice if and so long as the board of directors, the executive committee or a trust committee of directors or Responsible
Officers of the Trustee in good faith determines that the withholding of such notice is in the interest of the Holders of Debt Securities of such series; and provided, further, that in the case of any default of the character specified in
Section 7.01(d) with respect to Debt Securities of such series, no such notice to Holders shall be given until at least 60 days after the occurrence thereof. For the purpose of this Section, the term “default” means any event which
is, or after notice or lapse of time or both would become, an Event of Default with respect to Debt Securities of such series. 

  
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 SECTION 7.09. Undertaking to Pay Costs. In any suit for the enforcement of any right
or remedy under this Indenture, or in any suit against the Trustee for any action taken, suffered or omitted by it as Trustee, a court may require any party litigant in such suit to file an undertaking to pay the costs of such suit, and may assess
costs against any such party litigant, in the manner and to the extent provided in the Trust Indenture Act of 1939; provided that neither this Section nor the Trust Indenture Act of 1939 shall be deemed to authorize any court to require such an
undertaking or to make such an assessment in any suit instituted by the Company or the Trustee, and any provision of the Trust Indenture Act of 1939 to such effect is hereby expressly excluded from this Indenture, as permitted by the Trust Indenture
Act of 1939. 
 SECTION 7.10. Unconditional Right of Holders to Receive Principal, Premium and Interest. Notwithstanding any
other provision in this Indenture, the Holder of any Debt Security shall have the rights, which are absolute and unconditional, to receive payment of the principal of, premium, if any, and (subject to Section 3.08) interest on such Debt
Security on the respective Stated Maturities expressed in such Debt Security (or in the case of redemption or repayment, on the date for redemption or repayment, as the case may be) and to institute suit for the enforcement of any such payment, and
such rights shall not be impaired without the consent of such Holder. 
 ARTICLE 8. 

CONCERNING THE TRUSTEE. 

SECTION 8.01. Duties and Responsibilities of Trustee. 

(a) Except during the continuance of an Event of Default, (1) the Trustee undertakes to perform such duties and only such
duties as are specifically set forth in this Indenture, and no implied covenants or obligations shall be read into this Indenture against the Trustee and (2) in the absence of bad faith on its part, the Trustee may conclusively rely, as to the
truth of the statements and the correctness of the opinions expressed therein, upon certificates or opinions furnished to the Trustee and conforming to the requirements of this Indenture, but in the case of any such certificates or opinions which by
any provision hereof are specifically required to be furnished to the Trustee, the Trustee shall be under a duty to examine the certificates and opinions to determine whether or not they conform to the requirements of this Indenture (but need not
confirm or investigate the accuracy of mathematical calculations or other facts stated therein). 
 (b) In case an Event of
Default has occurred and is continuing, the Trustee shall exercise such of the rights and powers vested in it by this Indenture, and use the same degree of care and skill in their exercise, as a prudent person would exercise or use under the
circumstances in the conduct of his or her own affairs. 

  
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 (c) No provision of this Indenture shall be construed to relieve the Trustee from
liability for its own negligent action, its own negligent failure to act, or its own willful misconduct, except that: 
 (1)
this Subsection (c) shall not be construed to limit the effect of Subsection (a) of this Section 8.01; 
 (2)
the Trustee shall not be liable for any error of judgment made in good faith by a Responsible Officer of the Trustee, unless it shall be proved that the Trustee was negligent in ascertaining the pertinent facts; 

(3) the Trustee shall not be liable with respect to any action taken or omitted to be taken by it in good faith in accordance
with the direction of the Holders of a majority in principal amount of the Outstanding Securities of any series relating to the time, method and place of conducting any proceeding for any remedy available to the Trustee, or exercising any trust or
power conferred upon the Trustee, under this Indenture with respect to the Debt Securities of such series; and 
 (4) no
provision of this Indenture shall require the Trustee to expend or risk its own funds or otherwise incur any financial liability in the performance of any of its duties hereunder, or in the exercise of any of its rights or powers, if it shall have
reasonable grounds for believing that repayment of such funds or adequate indemnity against such risk or liability is not reasonably assured to it. 

(d) Whether or not therein expressly so provided, every provision of this Indenture relating to the conduct or affecting the
liability of or affording protection to the Trustee shall be subject to the provisions of this Section 8.01. 
 SECTION 8.02.
Reliance on Documents, Opinions, etc. Subject to the provisions of Section 8.01, 
 (a) the Trustee may rely and
shall be protected in acting or refraining from acting upon any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, bond, debenture, note or other paper document believed by it to be genuine and to have
been signed or presented by the proper party or parties; 
 (b) any request, direction, order or demand of the Company
mentioned herein shall be sufficiently evidenced by Company Request or Company Order (unless otherwise evidence in respect thereof be herein specifically prescribed); and any resolution of the Board of Directors may be evidenced to the Trustee by a
copy thereof certified by the Secretary or an Assistant Secretary of the Company; 
 (c) the Trustee may consult with counsel
and the advice of such counsel or any Opinion of Counsel shall be full and complete authorization and protection in respect of any action taken, suffered or omitted by it hereunder in good faith and reliance thereon; 

  
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 (d) the Trustee shall be under no obligation to exercise any of the rights or
powers vested in it by this Indenture at the request or direction of any of the Holders, pursuant to the provisions of this Indenture, unless such Holders shall have offered to the Trustee security or indemnity reasonably satisfactory to the Trustee
against the costs, expenses and liabilities which may be incurred by it in compliance with such request or direction; 
 (e)
the Trustee shall not be liable for any action taken, suffered or omitted to be taken by it in good faith and believed by it to be authorized or within the discretion or rights or powers conferred upon it by this Indenture; 

(f) the Trustee shall not be bound to make any investigation into the facts or matters stated in any resolution, certificate,
statement, instrument, opinion, report, notice, request, consent, order, approval, bond, debenture, note, or other paper or document, unless requested in writing to do so by the Holders of not less than a majority in principal amount of such Debt
Securities then Outstanding; provided, however, that the reasonable expenses of every such investigation shall be paid by the Company or, if paid by the Trustee, shall be repaid by the Company upon demand; and provided,
further, that if the payment within a reasonable time to the Trustee of the costs, expenses or liabilities likely to be incurred by it in the making of such investigation is, in the opinion of the Trustee, not reasonably assured to the
Trustee by the security afforded to it by the terms of this Indenture, the Trustee may require reasonable indemnity against such expenses or liabilities as a condition to so proceeding; 

(g) the Trustee may execute any of the trusts or powers hereunder or perform any duties hereunder either directly or by or
through agents or attorneys, and the Trustee shall not be liable or responsible for any misconduct, bad faith or negligence on the part of any agent or attorney appointed with due care by it hereunder; 

(h) the Trustee shall not be deemed to have notice or be charged with knowledge of any default or Event of Default unless
written notice of such default or Event of Default from the Company or any Holder is received by a Responsible Officer of the Trustee at the Corporate Trust Office of the Trustee, and such notice references the Debt Securities and this Indenture;

 (i) the rights, privileges, protections, immunities and benefits given to the Trustee, including its right to be
indemnified, are extended to, and shall be enforceable by, the Trustee in each of its capacities hereunder, and each agent, custodian and other Person employed to act hereunder; 

(j) the permissive rights of the Trustee enumerated herein shall not be construed as duties; 

(k) in no event shall the Trustee be responsible or liable for special, indirect, or consequential loss or damage of any kind
whatsoever (including, but not limited to, loss of profit) irrespective of whether the Trustee has been advised of the likelihood of such loss or damage and regardless of the form of action; 

  
 45 

 (l) the Trustee may request that the Company deliver an Officers’
Certificate setting forth the names of individuals and/or titles of officers authorized at such time to take specified actions pursuant to this Indenture, which Officers’ Certificate may be signed by any person authorized to sign an
Officers’ Certificate, including any person specified as so authorized in any such certificate previously delivered and not superseded; and 

(m) in no event shall the Trustee be responsible or liable for any failure or delay in the performance of its obligations
hereunder arising out of or caused by, directly or indirectly, forces beyond its control, including, without limitation, strikes, work stoppages, accidents, acts of war or terrorism, civil or military disturbances, nuclear or natural catastrophes or
acts of God, and interruptions, loss or malfunctions of utilities, communications or computer (software and hardware) services; it being understood that the Trustee shall use reasonable efforts which are consistent with accepted practices in the
banking industry to resume performance as soon as practicable under the circumstances. 
 SECTION 8.03. No Responsibility for
Recitals, etc. The recitals contained herein and in the Debt Securities (except in the Trustee’s certificate of authentication) shall be taken as the statements of the Company, and the Trustee assumes no responsibility for the correctness
of the same. The Trustee makes no representations as to the validity or sufficiency of this Indenture or of the Debt Securities of any series. The Trustee represents that it is duly authorized to execute and deliver this Indenture. Neither the
Trustee nor the Authenticating Agent shall be accountable for the use or application by the Company of any Debt Securities or the proceeds of any Debt Securities authenticated and delivered by the Trustee hereunder. 

SECTION 8.04. Trustee and Agents May Own Debt Securities. The Trustee, any paying agent, or any agent of the Trustee or the
Company under this Indenture, in its individual or any other capacity, may become the owner or pledgee of Debt Securities of any series with the same rights it would have if it were not Trustee or such agent and, subject to Sections 8.08 and 8.13,
if operative, may otherwise deal with the Company and receive, collect, hold, and retain collections from the Company with the same rights it would have if it were not the Trustee or such agent. 

SECTION 8.05. Moneys to be Held in Trust. Subject to the provisions of Section 13.04, all moneys received by the Trustee
shall, until used or applied as herein provided, be held in trust for the purposes for which they were received, but need not be segregated from other funds except to the extent required by law. Neither the Trustee nor any paying agent shall be
under any liability for interest on, or to invest, any moneys received by it hereunder except such as it may agree with the Company to pay thereon. So long as no Event of Default with respect to the Debt Securities of any series shall have occurred
and be continuing, all interest allowed on any such moneys shall be paid from time to time upon the receipt of a Company Order. 

  
 46 

 SECTION 8.06. Compensation and Expenses of Trustee. The Company covenants and agrees
to pay to the Trustee from time to time, and the Trustee shall be entitled to, reasonable compensation (which shall not be limited by any provision of law in regard to the compensation of a trustee of an express trust), and the Company will pay or
reimburse the Trustee upon its request for all reasonable expenses, disbursements and advances incurred or made by the Trustee in accordance with any of the provisions of this Indenture (including the reasonable compensation and the expenses and
disbursements of its counsel and all persons not regularly in its employ and any amounts paid by the Trustee to any Authenticating Agent pursuant to Section 8.14) except any such expense, disbursement or advance as may arise from its gross
negligence or bad faith. The Company also covenants to indemnify the Trustee for, and to hold it harmless against, any loss, damage, claims, liability or expense incurred without gross negligence or bad faith on the part of the Trustee and arising
out of or in connection with this Indenture, including the acceptance or administration of this trust, or the performance of its duties hereunder, including the current payment of all costs and expenses of defending itself against any claim of
liability in the premises. The obligations of the Company under this Section 8.06 to compensate and indemnify the Trustee and to pay or reimburse the Trustee for expenses, disbursements and advances shall constitute additional indebtedness
hereunder. Such additional indebtedness shall be secured by a lien prior to that of the Debt Securities upon all property and funds held or collected by the Trustee as such, except funds held in trust for the benefit of the Holders of particular
Debt Securities. In addition to, but without prejudice to its other rights under this indenture or available to the Trustee under applicable law, when the Trustee incurs expenses or renders services in connection with an Event of Default specified
in Section 7.01(g) or Section 7.01(h), the expenses (including the reasonable charges and expenses of its counsel) and the compensation for the services are intended to constitute expenses of administration under any applicable Federal or
state bankruptcy, insolvency or other similar law. 
 “Trustee” for purposes of this Section shall include any predecessor
Trustee; provided, however, that the negligence, willful misconduct or bad faith of any Trustee hereunder shall not affect the rights of any other Trustee hereunder. 

The provisions of this Section shall survive the termination of this Indenture, the satisfaction and discharge of this Indenture and the
resignation or removal of the Trustee. 
 SECTION 8.07. Officers’ Certificate as Evidence. Subject to the provisions of
Section 8.01, whenever in the administration of the provisions of this Indenture the Trustee shall deem it necessary or desirable that a matter be proved or established prior to taking or omitting any action hereunder, such matter (unless other
evidence in respect thereof be herein specifically prescribed) may, in the absence of gross negligence or bad faith on the part of the Trustee, be deemed to be conclusively proved and established by an Officers’ Certificate conforming to the
requirements of this Indenture delivered to the Trustee, and such Certificate, in the absence of gross negligence or bad faith on the part of the Trustee, shall be full warrant to the Trustee for any action taken or omitted by it under the
provisions of this Indenture upon the faith thereof. 

  
 47 

 SECTION 8.08. Conflicting Interest of Trustee. If the Trustee has or shall acquire
any conflicting interest within the meaning of the Trust Indenture Act of 1939, the Trustee shall either eliminate such conflicting interest or resign in the manner provided by, and subject to the provisions of, the Trust Indenture Act of 1939 and
this Indenture. 
 SECTION 8.09. Eligibility of Trustee. There shall at all times be a Trustee with respect to each series of
Debt Securities hereunder which shall be a Person organized and doing business under the laws of the United States or any state or territory thereof or of the District of Columbia authorized under such laws to exercise trust powers, having a
combined capital and surplus of at least $50,000,000, subject to supervision or examination by Federal, state, territorial, or District of Columbia authority and willing to act as Trustee hereunder. If such Person publishes reports of condition at
least annually, pursuant to law or to the requirements of the aforesaid supervising or examining authority, then for the purposes of this Section 8.09, the combined capital and surplus of such Person shall be deemed to be its combined capital
and surplus as set forth in its most recent report of condition so published. In case at any time the Trustee with respect to any series of Debt Securities shall cease to be eligible in accordance with the provisions of this Section 8.09, such
Trustee shall resign immediately in the manner and with the effect specified in Section 8.10. 
 SECTION 8.10. Resignation or
Removal of Trustee. (a) The Trustee may at any time resign with respect to any series of Debt Securities by giving written notice by first class mail of such resignation to the Company and to the Holders of such series of Debt Securities at
their addresses as they shall appear on the Debt Security Register. Upon receiving such notice of resignation, the Company shall promptly appoint a successor trustee with respect to such series by written instrument, in duplicate, executed by order
of the Board of Directors, one copy of which instrument shall be delivered to the resigning Trustee and one copy to the successor trustee. If no successor trustee with respect to such series shall have been so appointed and have accepted appointment
within 45 days after the mailing of such notice of resignation to the Holders, the resigning Trustee may, at the expense of the Company, petition any court of competent jurisdiction for the appointment of a successor trustee, or any Holder of such
series of Debt Securities who has been a bona fide Holder of a Debt Security or Debt Securities of such series for at least six months may, subject to the provisions of Section 7.09, on behalf of such Holder and all others similarly situated,
petition any such court for the appointment of a successor trustee with respect to such series. Such court may thereupon, after such notice, if any, as it may deem proper and prescribe, appoint such successor trustee. 

(b) In case at any time any of the following shall occur— 

(1) the Trustee shall fail to comply with the provisions of Section 8.08 after written request therefor by the Company or by any Holder
who has been a bona fide Holder of a Debt Security or Debt Securities of such series for at least six months, unless the Trustee’s duty to resign is stayed in accordance with the provisions of Section 310(b) of the Trust Indenture Act of
1939, 

  
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 (2) the Trustee shall cease to be eligible in accordance with the provisions of Section 8.09
and shall fail to resign after written request therefor by the Company or by any such Holder of a Debt Security of such series, or 
 (3)
the Trustee shall become incapable of acting with respect to any series of Debt Securities, or shall be adjudged a bankrupt or insolvent, or a receiver of the Trustee or of its property shall be appointed, or any public officer shall take charge or
control of the Trustee or of its property or affairs for the purpose of rehabilitation, conservation or liquidation; 
 then, in any such case, the Company
may remove the Trustee with respect to such series and appoint a successor trustee for such series by Company Order, one copy of which Company Order shall be delivered to the Trustee so removed and one copy to the successor trustee, or, subject to
the provisions of Section 7.09, any Holder who has been a bona fide Holder of a Debt Security or Debt Securities of such series for at least six months may, on behalf of such Holder and all others similarly situated, petition any court of
competent jurisdiction for the removal of the Trustee and the appointment of a successor trustee with respect to such series. Such court may thereupon, after such notice, if any, as it may deem proper and prescribe, remove such Trustee and appoint
such successor trustee. 
 (c) The Holders of a majority in aggregate principal amount of the Outstanding Debt Securities of
any series may at any time remove the Trustee with respect to such series by delivering to the Trustee so removed, to the successor trustee so appointed and to the Company the evidence provided for in Section 9.01 of the action in that regard
taken by the Holders, and nominate a successor Trustee which shall be deemed appointed as successor Trustee unless within ten days after such nomination the Company objects thereto, in which case the Trustee so removed or any Holder of a Debt
Security or Debt Securities of such series, upon the terms and conditions and otherwise as in subsection (a) of this Section 8.10 provided, may petition any court of competent jurisdiction for an appointment of a successor Trustee with
respect to such series. 
 (d) Any resignation or removal of the Trustee with respect to all or any series of Debt Securities
and any appointment of a successor Trustee pursuant to any of the provisions of this Section 8.10 shall become effective upon acceptance of appointment by the successor Trustee as provided in Section 8.11. 

SECTION 8.11. Acceptance by Successor Trustee. Any successor Trustee appointed as provided in Section 8.10 shall execute,
acknowledge and deliver to the Company and to its predecessor Trustee an instrument accepting such appointment hereunder, and thereupon the resignation or removal of the predecessor Trustee shall become effective with respect to all or any series as
to which it is resigning as Trustee, and such successor Trustee, without any further act, deed or conveyance, shall become vested with all the rights, powers, duties and obligations of its predecessor hereunder with respect to all or any such
series, with like effect as if originally named as Trustee herein with respect to all or any such series; nevertheless, on the written request of the Company or of the successor Trustee, the Trustee ceasing to act shall, upon payment of any amounts
then due it pursuant to the provisions of Section 8.06, execute and deliver an instrument transferring to such successor Trustee all the 

  
 49 

 
rights and powers of the Trustee with respect to all or any such series so ceasing to act. Upon request of any such successor Trustee, the Company shall execute any and all instruments in writing
for more fully and certainly vesting in and confirming to such successor Trustee all such rights and powers. Any Trustee ceasing to act shall, nevertheless, retain a lien upon all property or funds held or collected by such Trustee with respect to
all or any series as to which it is ceasing to act as Trustee, to secure any amounts, including indemnities, then due it pursuant to the provisions of Section 8.06. 

No successor Trustee shall accept appointment as provided in this Section 8.11 unless at the time of such acceptance such successor
Trustee shall be qualified under the provisions of Section 8.08 and eligible under the provisions of Section 8.09. 
 Upon
acceptance of appointment by a successor Trustee with respect to all or any series of Debt Securities as provided in this Section 8.11, the Company shall mail notice of the succession of such Trustee hereunder to the Holders of Debt Securities
of such series at their addresses as they shall appear on the Debt Security Register. If the Company fails to mail such notice within ten days after acceptance of appointment by the successor Trustee, the successor Trustee shall cause such notice to
be mailed at the expense of the Company. 
 In case of the appointment hereunder of a successor Trustee with respect to the Debt Securities
of one or more (but not all) series, the Company, the retiring Trustee and each successor Trustee with respect to the Debt Securities of any applicable series shall execute and deliver an indenture supplemental hereto which shall contain such
provisions as shall be deemed necessary or desirable to confirm that all the rights, powers, trusts and duties of the retiring Trustee with respect to the Debt Securities of any series as to which the retiring Trustee is not retiring shall continue
to be vested in the retiring Trustee, and shall add to or change any of the provisions of this Indenture as shall be necessary to provide for or facilitate the administration of the trusts hereunder by more than one Trustee, it being understood that
nothing herein or in such supplemental indenture shall constitute such Trustees co-trustees of the same trust and that each such Trustee shall be Trustee of a trust or trusts hereunder separate and apart from any trust or trusts hereunder
administered by any other such Trustee. 
 SECTION 8.12. Succession by Merger, etc. Subject to Sections 8.08 and 8.09, any
Person into which the Trustee may be merged or converted or with which it may be consolidated, or any Person resulting from any merger, conversion or consolidation to which the Trustee shall be a party, or any Person succeeding to all or
substantially all the corporate trust business of the Trustee, shall be the successor of the Trustee hereunder without the execution or filing of any paper or any further act on the part of any of the parties hereto. 

In case at the time any successor to the Trustee by merger, conversion or consolidation shall succeed to the trusts created by this Indenture
any of the Debt Securities shall have been authenticated but not delivered, any such successor to the Trustee may adopt the certificate of authentication of any predecessor Trustee, and deliver such Debt Securities so authenticated; and in case at
that time any of the Debt Securities shall not have been authenticated, any such successor to the Trustee may authenticate such Debt Securities either in the name of the 

  
 50 

 
predecessor Trustee or such successor Trustee; and in all such cases such certificate shall have the full force which it is anywhere in the Debt Securities or in this Indenture provided that the
certificate of the Trustee shall have. 
 SECTION 8.13. Limitation on Rights of Trustee as a Creditor. If and when the Trustee
shall be or become a creditor of the Company (or any other obligor upon the Debt Securities), the Trustee shall be subject to the provisions of the Trust Indenture Act of 1939 regarding the collection of claims against the Company (or any such other
obligor). 
 SECTION 8.14. Authenticating Agents. There may be an Authenticating Agent or Authenticating Agents appointed by the
Trustee from time to time with power to act on its behalf and subject to its direction in the authentication and delivery of any series of Debt Securities issued upon original issuance, exchange, transfer or redemption thereof as fully to all
intents and purposes as though such Authenticating Agent (or Authenticating Agents) had been expressly authorized to authenticate and deliver such Debt Securities, and Debt Securities so authenticated shall be entitled to the benefits of this
Indenture and shall be valid and obligatory for all purposes as though authenticated by the Trustee hereunder. For all purposes of this Indenture, the authentication and delivery of Debt Securities by any Authenticating Agent pursuant to this
Section 8.14 shall be deemed to be the authentication and delivery of such Debt Securities “by the Trustee”, and whenever this Indenture provides that “the Trustee shall authenticate and deliver” Debt Securities or that Debt
Securities “shall have been authenticated and delivered by the Trustee”, such authentication and delivery by any Authenticating Agent shall be deemed to be authentication and delivery by the Trustee. Any such Authenticating Agent shall at
all times be a Person organized and doing business under the laws of the United States of America or of any state or territory thereof or the District of Columbia, with a combined capital and surplus of at least $50,000,000 and authorized under such
laws to act as an authenticating agent, duly registered to act as such, if and to the extent required by applicable law and subject to supervision or examination by Federal or state authority. If such Person publishes reports of its condition at
least annually pursuant to law or the requirements of such authority, then for the purposes of this Section 8.14 the combined capital and surplus of such Person shall be deemed to be its combined capital and surplus as set forth in its most
recent report of condition so published. If at any time an Authenticating Agent shall cease to be eligible in accordance with the provisions of this Section 8.14, or to be duly registered if and to the extent required by applicable law and
regulations, it shall resign immediately in the manner and with the effect herein specified in this Section 8.14. 
 Whenever reference
is made in this Indenture to the authentication and delivery of Debt Securities of any series by the Trustee or the Trustee’s certificate of authentication, such reference shall be deemed to include authentication and delivery on behalf of the
Trustee by its Authenticating Agent appointed with respect to the Debt Securities of such series and a certificate of authentication executed on behalf of the Trustee by its Authenticating Agent appointed with respect to the Debt Securities of such
series. 
 Any Person into which any Authenticating Agent may be merged or converted or with which it may be consolidated, or any Person
resulting from any merger, consolidation or 

  
 51 

 
conversion to which any Authenticating Agent shall be a party, or any Person succeeding to the authenticating agency business of any Authenticating Agent, shall be the successor of such
Authenticating Agent hereunder, if such successor Person is otherwise eligible under this Section 8.14, without the execution or filing of any paper or any further act on the part of the parties hereto or such Authenticating Agent or such
successor Person. 
 In case at the time such successor to any such agency shall succeed to such agency any of the Debt Securities shall
have been authenticated but not delivered, any such successor to such Authenticating Agent may adopt the certificate of authentication of any predecessor Authenticating Agent and deliver such Debt Securities so authenticated; and in case at that
time any of the Debt Securities shall not have been authenticated, any successor to any Authenticating Agent may authenticate such Debt Securities either in the name of any predecessor hereunder or in the name of the successor Authenticating Agent;
and in all cases such certificate shall have the full force which it is anywhere in the Debt Securities or in this Indenture provided that the certificate of the predecessor Authenticating Agent shall have such force; provided,
however, that the right to adopt the certificate of authentication of any predecessor Authenticating Agent or to authenticate Debt Securities in the name of any predecessor Authenticating Agent shall apply only to its successor or successors
by merger, conversion or consolidation. 
 Any Authenticating Agent may at any time resign as Authenticating Agent with respect to any
series of Debt Securities by giving written notice of resignation to the Trustee and to the Company. The Trustee may at any time terminate the agency of any Authenticating Agent with respect to any series of Debt Securities by giving written notice
of termination to such Authenticating Agent and to the Company. Upon receiving such a notice of resignation or upon such a termination, or in case at any time such Authenticating Agent shall cease to be eligible under this Section 8.14, the
Trustee may, and shall, upon request of the Company, promptly use its best efforts to appoint a successor Authenticating Agent. 
 Upon the
appointment, at any time after the original issuance of any of the Debt Securities, of any successor, additional or new Authenticating Agent, the Trustee shall give written notice of such appointment to the Company and shall at the expense of the
Company mail notice of such appointment to all Holders of Debt Securities of such series as the names and addresses of such Holders appear on the Debt Security Register. 

Any successor Authenticating Agent with respect to any series of Debt Securities upon acceptance of its appointment hereunder shall become
vested with all the rights, powers and duties of its predecessor hereunder, with like effect as though originally named as an Authenticating Agent herein with respect to such series. No successor Authenticating Agent shall be appointed unless
eligible under the provisions of this Section 8.14 and duly registered if and to the extent required under applicable law and regulations. 

Any Authenticating Agent by the acceptance of its appointment with respect to any series of Debt Securities shall be deemed to have agreed
with the Trustee that: (a) it will perform and carry out the duties of an Authenticating Agent as herein set forth with respect to such series, including the duties to authenticate and deliver Debt Securities when presented to it in connection
with exchanges, registrations of transfer or redemptions thereof; (b) it will keep and maintain, and furnish to the Trustee from time to time as requested by the Trustee appropriate 

  
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records of all transactions carried out by it as Authenticating Agent and will furnish the Trustee such other information and reports as the Trustee may reasonably require; (c) it is
eligible for appointment as Authenticating Agent under this Section 8.14 and will notify the Trustee promptly if it shall cease to be so qualified; and (d) it will indemnify the Trustee against any loss, liability or expense incurred by
the Trustee and will defend any claim asserted against the Trustee by reason of any acts or failures to act of the Authenticating Agent with respect to such series but it shall have no liability for any action taken by it at the specific written
direction of the Trustee. 
 The Company agrees to pay to each Authenticating Agent from time to time reasonable compensation and expenses
for its services, and the Trustee shall have no liability for such payments. 
 The provisions of Sections 8.02(a), (b), (c), (e) and
(f), 8.03, 8.04, 8.06 (insofar as it pertains to indemnification), 3.09, 9.01 and 9.02 shall bind and inure to the benefit of each Authenticating Agent to the same extent that they bind and inure to the benefit of the Trustee. 

If an appointment with respect to one or more series is made pursuant to this Section 8.14, the Debt Securities of such series may have
endorsed thereon, in addition to the Trustee’s certificate of authentication, an alternate certificate of authentication in the following form: 
 This
is one of the Debt Securities of the series designated therein issued under the within-mentioned Indenture. 
  

							
	  
	 	,
	As Trustee	 		 	
				
	By:	 	  
	 	,	 	
		 	as Authenticating Agent
				
	By:	 	  
	 		 	
		 	Authorized Officer

 SECTION 8.15. Trustee’s Application for Instructions from the Company. Any application
by the Trustee for written instructions from the Company may, at the option of the Trustee, set forth in writing any action proposed to be taken or omitted by the Trustee under this Indenture and the date on and/or after which such action shall be
taken or such omission shall be effective. The Trustee shall not be liable for any action taken by, or omission of, the Trustee in accordance with a proposal included in such application on or after the date specified in such application (which date
shall not be less than three Business Days after the date any officer of the Company actually receives such application, unless any such officer shall have consented in writing to any earlier date) unless prior to taking any such action (or the
effective date in the case of an omission), the Trustee shall have received written instructions in response to such application specifying the action to be taken or omitted. 

  
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 ARTICLE 9. 

CONCERNING THE HOLDERS. 

SECTION 9.01. Action by Holders. Whenever in this Indenture it is provided that the Holders of a specified percentage in aggregate
principal amount of the Debt Securities of any series may take any action (including the making of any demand or request, the giving of any notice, consent or waiver or the taking of any other action) the fact that at the time of taking any such
action the Holders of such specified percentage of such series have joined therein may be evidenced (a) by any instrument or any number of instruments of similar tenor executed by Holders of such series in person or by agent or proxy appointed
in writing, or (b) by the record of the Holders of such series voting in favor thereof at any meeting of such Holders duly called and held in accordance with the provisions of Article Ten, or (c) by a combination of such instrument or
instruments and any such record of such a meeting of Holders of such series. Such instrument or instruments and any such record (and the action embodied therein and evidenced thereby) are herein sometimes referred to as the “Act” of the
Holders signing such instrument or instruments or so voting at any such meeting. 
 SECTION 9.02. Proof of Execution by Holders.
Subject to the provisions of Sections 8.01, 8.02 and 10.05, proof of the execution of any instrument by a Holder or such Holder’s agent or proxy shall be sufficient if made in accordance with such reasonable rules and regulations as may be
prescribed by the Trustee or in such manner as shall be satisfactory to the Trustee. The ownership of Debt Securities shall be provided by the Debt Security Register or by a certificate of the Debt Security Registrar with respect to a series of Debt
Securities. 
 The record of any Holders’ meeting shall be proved in the manner provided in Section 10.06. 

SECTION 9.03. Company-Owned Debt Securities Disregarded. In determining whether the Holders of the requisite aggregate principal
amount of Debt Securities of any series have given any request, demand, authorization, direction, notice, consent, or waiver under this Indenture, Debt Securities of such series which are owned by the Company or any other obligor upon such Debt
Securities or any Affiliate of the Company or such other obligor (except in the case in which the Company or such other obligor or Affiliate owns all Debt Securities Outstanding under the Indenture, or all Outstanding Debt Securities of each such
series, as the case may be, without regard to this proviso) shall be disregarded and deemed not to be Outstanding for the purpose of any such determinations; provided, however, that for the purposes of determining whether the Trustee
shall be protected in relying on any such request, demand, authorization, direction, notice, consent, or waiver only such Debt Securities which a Responsible Officer of the Trustee actually knows are so owned shall be so disregarded. Debt Securities
so owned which have been pledged in good faith may be regarded as Outstanding notwithstanding this Section 9.03 if the pledgee shall establish to the satisfaction of the Trustee the right of the pledgee to act with respect to such Debt
Securities and that the pledgee is not a Person directly or indirectly controlling or controlled by or under direct or indirect common 

  
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control with the Company or any such other obligor. Upon request of the Trustee, the Company shall furnish to the Trustee promptly an Officers’ Certificate listing and identifying all Debt
Securities of a series, if any, known by the Company to be owned or held by or for the account of the Company or any other obligor on such Debt Securities or by any Person directly or indirectly controlling or controlled by or under direct or
indirect common control with the Company or any other obligor on such Debt Securities; and, subject to the provisions of Section 8.01, the Trustee shall be entitled to accept such Officers’ Certificates as conclusive evidence of the facts
therein set forth and of the fact that all such Debt Securities not listed therein are Outstanding for the purpose of any such determination. 

SECTION 9.04. Revocation of Consents; Future Holders Bound. At any time prior to (but not after) the evidencing to the Trustee, as
provided in Section 9.01, of the taking of any action by the Holders of the percentage in aggregate principal amount of the Debt Securities of any series specified in this Indenture in connection with such action, any Holder of a Debt Security
which is shown by the evidence to be included in the Debt Securities the Holders of which have consented to or are bound by consents to such action, may, by filing written notice with the Trustee at the Corporate Trust Office and upon proof of
holding as provided in Section 9.02, revoke such action so far as concerns such Debt Security. Except as aforesaid any such action taken by the Holder of any Debt Security shall be conclusive and binding upon such Holder and upon all future
Holders and owners of such Debt Security and of any Debt Security issued on registration of transfer thereof or in exchange or substitution therefor, irrespective of whether or not any notation in regard thereto is made upon any such Debt Security.
Any action taken by the Holders of the percentage in aggregate principal amount of the Debt Securities specified in this Indenture in connection with such action shall be conclusively binding upon the Company, the Trustee and the Holders of all of
the Debt Securities affected by such action. 
 ARTICLE 10. 

HOLDERS’ MEETINGS. 

SECTION 10.01. Purposes of Meetings. A meeting of Holders of the Debt Securities of all or any series may be called at any time
and from time to time pursuant to the provisions of this Article Ten for any of the following purposes: 
 (a) to give any notice to the
Company or to the Trustee with respect to such series, or to give any directions to the Trustee, or to consent to the waiving of any default hereunder and its consequences, or to take any other action authorized to be taken by Holders pursuant to
any of the provisions of Article Seven; 
 (b) to remove the Trustee and nominate a successor trustee pursuant to the provisions of Article
Eight; 
 (c) to consent to the execution of an indenture or indentures supplemental hereto pursuant to the provisions of
Section 11.02; or 
 (d) to take any other action authorized to be taken by or on behalf of the Holders of any specified aggregate
principal amount of the Debt Securities of all or any series, as the case may be, under any other provision of this Indenture or under applicable law. 

  
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 SECTION 10.02. Call of Meetings by Trustee. The Trustee may at any time call a
meeting of Holders of Debt Securities of all or any series to take any action specified in Section 10.01, to be held at such time and at such place as the Trustee shall determine. Notice of every meeting of the Holders of Debt Securities of all
or any series, setting forth the time and place of such meeting and in general terms the action proposed to be taken at such meeting, shall be mailed by the Trustee to Holders of Debt Securities of each series that may be affected by the action
proposed to be taken at such meeting at their addresses as they shall appear on the Debt Security Register. Such notice shall be mailed not less than 20 nor more than 90 days prior to the date fixed for the meeting. 

SECTION 10.03. Call of Meetings by Company or Holders. In case at any time the Company, pursuant to a resolution by the Board of
Directors, or the Holders of at least 10% in aggregate principal amount of the Debt Securities then Outstanding of each series that may be affected by the action proposed to be taken shall have requested the Trustee to call a meeting of such
Holders, by written request setting forth in reasonable detail the action proposed to be taken at the meeting, and the Trustee shall not have mailed the notice of such meeting within 20 days after receipt of such request, then the Company or such
Holders may determine the time and place for such meeting and may call such meeting to take any action authorized in Section 10.01, by mailing notice thereof as provided in Section 10.02. 

SECTION 10.04. Qualifications for Voting. To be entitled to vote at any meeting of Holders of Debt Securities a person shall
(a) be a Holder of one or more Debt Securities of a series affected by the action proposed to be taken or (b) be a Person appointed by an instrument in writing as proxy by a Holder of one or more such Debt Securities. The rights of Holders
of Debt Securities to have their votes counted shall be subject to the provision in the definition of “Outstanding” in Section 1.01. The only Persons who shall be entitled to be present or to speak at any meeting of Holders of Debt
Securities shall be the Persons entitled to vote at such meeting and their counsel, any representatives of the Trustee and its counsel and any representatives of the Company and its counsel. 

SECTION 10.05. Regulations. Notwithstanding any other provisions of this Indenture, the Trustee may make such reasonable
regulations as it may deem advisable for any meeting of Holders of Debt Securities, in regard to proof of the holding of Debt Securities and of the appointment of proxies, and in regard to the appointment and duties of inspectors of votes, the
submission and examination of proxies, certificates and other evidence of the right to vote, and such other matters concerning the conduct of the meeting as it shall think fit. Except as otherwise permitted or required by any such regulation, the
holding of Debt Securities shall be proved in the manner specified in Section 9.02 and the appointment of any proxy shall be proved in the manner specified in said Section 9.02 or by having the signature of the Person executing the proxy
witnessed or guaranteed by any bank, broker or trust company. 

  
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 The Trustee shall, by an instrument in writing, appoint a temporary chairman of the meeting,
unless the meeting shall have been called by the Company or by Holders of Debt Securities as provided in Section 10.03, in which case the Company or the Holders of Debt Securities calling the meeting, as the case may be, shall in like manner
appoint a temporary chairman. A permanent chairman and a secretary of the meeting shall be elected by vote of the Holders of a majority in aggregate principal amount of the Debt Securities represented at the meeting and entitled to vote. 

Subject to the provisions of Section 9.03, at any meeting each Holder of a Debt Security of a series entitled to vote at such meeting or
proxy shall be entitled to one vote for each $1,000 principal amount of Debt Securities of such series held or represented by such Holder; provided, however, that no vote shall be cast or counted at any meeting in respect of any Debt
Security challenged as not Outstanding and ruled by the chairman of the meeting to be not Outstanding. The chairman of the meeting shall have no right to vote except as a Holder of Debt Securities of such series or proxy therefor. Any meeting of
Holders of Debt Securities duly called pursuant to the provisions of Section 10.02 or 10.03 may be adjourned from time to time and the meeting may be held as so adjourned without further notice. 

At any meeting of Holders of Debt Securities, the presence of Persons holding or representing Debt Securities in an aggregate principal amount
sufficient to take action upon the business for the transaction of which such meeting was called shall be necessary to constitute a quorum; but, if less than quorum be present, the Persons holding or representing a majority of the Debt Securities
represented at the meeting may adjourn such meeting with the same effect, for all intents and purposes, as though a quorum had been present. 

SECTION 10.06. Voting. The vote upon any resolution submitted to any meeting of Holders of Debt Securities shall be by written
ballots on which shall be subscribed the signatures of the Holders of Debt Securities entitled to vote at such meeting or of their representatives by proxy, and the letter or letters, serial number or numbers or other distinguishing marks of the
Debt Securities held or represented by each such Holder. The permanent chairman of the meeting shall appoint two inspectors of votes who shall count all votes cast at the meeting for or against any resolution and who shall make and file with the
secretary of the meeting their verified written reports in duplicate of all votes cast at the meeting. A record in duplicate of the proceedings of each meeting of Holders of Debt Securities shall be prepared by the secretary of the meeting and there
shall be attached to said record the original reports of the inspectors of votes on any vote by ballot taken thereat and affidavits by one or more persons having knowledge of the facts setting forth a copy of the notice of the meeting and showing
that said notice was mailed as provided in Section 10.02. The record shall be signed and verified by the affidavits of the permanent chairman and secretary of the meeting and one of the duplicates shall be delivered to the Company and the other
to the Trustee to be preserved by the Trustee, the latter to have attached thereto the ballots voted at the meeting. 

  
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 Any record so signed and verified shall be conclusive evidence of the matters therein stated.

 SECTION 10.07. No Delay of Rights by Meeting. Nothing in this Article Ten contained shall be deemed or construed to authorize
or permit, by reason of any call of a meeting of Holders of Debt Securities of any or all series or any rights expressly or impliedly conferred hereunder to make such call, any hindrance or delay in the exercise of any right or rights conferred upon
or reserved to the Trustee or to the Holders of Debt Securities under any of the provisions of this Indenture or of the Debt Securities. 

ARTICLE 11. 

SUPPLEMENTAL INDENTURES. 

SECTION 11.01. Supplemental Indentures without Consent of Holders. The Company, when authorized by a Board Resolution, and the
Trustee may from time to time and at any time enter into an indenture or indentures supplemental hereto (which shall conform to the provisions of the Trust Indenture Act of 1939 as in force at the date of the execution thereof) for one or more of
the following purposes: 
 (a) to evidence the succession of another Person to the Company, or successive successions, and
the assumption by the successor Person of the covenants, agreements and obligations of the Company pursuant to Articles Five and Twelve hereof; 

(b) to add to the covenants of the Company such further covenants, restrictions, conditions or provisions as the Board of
Directors shall consider to be for the protection of the Holders of Debt Securities of any or all series, and to make the occurrence, or the occurrence and continuance, of a default in any of such additional covenants, restrictions, conditions or
provisions a default or an Event of Default with respect to such series permitting the enforcement of all or any of the several remedies provided in this Indenture as herein set forth; provided, however, that in respect of any such
additional covenant, restriction or condition, such supplemental indenture may provide for a particular period of grace after default (which period may be shorter or longer than that allowed in the case of other defaults) or may provide for an
immediate enforcement upon such default or may limit the remedies available to the Trustee upon such default; 
 (c) to cure
any ambiguity or to correct or supplement any provision contained herein or in any supplemental indenture which may be defective or inconsistent with any other provision contained herein or in any supplemental indenture or to make any changes hereto
that are required by law; 
 (d) to convey, transfer, assign, mortgage or pledge any property to or with the Trustee; 

  
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 (e) to make such other provisions in regard to matters or questions arising under
this Indenture as shall not adversely affect the interests of the Holders of the Debt Securities and to make any change that would provide additional rights or benefits to the Holders of Debt Securities of any or all series or that does not
adversely affect the legal rights under this Indenture of any such Holder of Debt Securities; 
 (f) to evidence and provide
for the acceptance of appointment by another Person as a successor Trustee hereunder with respect to one or more series of Debt Securities and to add to or change any of the provisions of this Indenture as shall be necessary to provide for or
facilitate the administration of the trusts hereunder by more than one Trustee, pursuant to Section 8.11; 
 (g) to
modify, amend or supplement this Indenture in such a manner as to permit the qualification of any indenture supplemental hereto under the Trust Indenture Act of 1939 as then in effect, except that nothing herein contained shall permit or authorize
the inclusion in any indenture supplemental hereto of the provisions referred to in Section 316(a)(2) of the Trust Indenture Act of 1939; 

(h) to provide for the issuance under this Indenture of Debt Securities in coupon form (including Debt Securities registrable
as to principal only) and to provide for exchangeability of such Debt Securities with Debt Securities of the same series issued hereunder in fully registered form and to make all appropriate changes for such purpose; 

(i) to change or eliminate any of the provisions of this Indenture, provided, however, that any such change or
elimination shall become effective only when there is no Debt Security Outstanding of any series created prior to the execution of such supplemental indenture which is entitled to the benefit of such provision; or 

(j) to establish the form of the Debt Securities of a series and to provide for the issuance of Debt Securities of a series, as
permitted by Section 3.01, and to set forth the terms thereof. 
 The Trustee is hereby required to join with the Company in the
execution of any such supplemental indenture, to make any further appropriate agreements and stipulations which may be therein contained and to accept the conveyance, transfer, assignment, mortgage or pledge of any property thereunder, but the
Trustee shall not be obligated to enter into any such supplemental indenture which affects the Trustee’s own rights, duties or immunities under this Indenture or otherwise. 

Any supplemental indenture authorized by the provisions of this Section 11.01 may be executed by the Company and the Trustee without the
consent of the Holders of any of the Debt Securities at the time Outstanding, notwithstanding any of the provisions of Section 11.02. 

SECTION 11.02. Supplemental Indentures with Consent of Holders. With the consent (evidenced as provided in Section 9.01) of
the Holders of greater than 50% in aggregate principal amount of the Outstanding Debt Securities of each series affected by such supplemental indenture (each such series voting as a single and separate class), by Act of said 

  
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Holders delivered to the Company and the Trustee, the Company, when authorized by a Board Resolution, and the Trustee may from time to time and at any time enter into an indenture or
indentures supplemental hereto for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Indenture or of any supplemental indenture or of modifying in any manner the rights of the Holders of
the Debt Securities of each series under this Indenture; provided, however, that no such supplemental indenture shall, without the consent of the Holders of all of the Outstanding Debt Securities of each series affected,
(a) change the Stated Maturity of the principal of, or any premium or installment of interest on, any Debt Security of such series or make the principal thereof or interest or premium thereon payable in any coin or currency other than that
provided in the Debt Securities of such series; (b) reduce the principal amount of, or the rate, or modify the calculation of such rate, of interest on, or any premium payable upon the redemption of, any Debt Security of such series;
(c) reduce the amount of the principal of any Original Issue Discount Debt Security that would be due and payable upon a declaration of acceleration of the maturity thereof or the amount thereof provable in bankruptcy; (d) change the
redemption provisions of any Debt Security in a manner adverse to the rights of the Holders thereof or adversely affect the right of repayment at the option of any Holder of any Debt Security of such series; (e) change the Place of Payment or
the coin or currency in which the principal of, any premium or interest on any Debt Security of such series is payable; (f) impair the right to institute suit for the enforcement of any payment on or after the Stated Maturity of any Debt
Security of such series or, in the case of redemption, on or after the Redemption Date or, in the case of repayment at the option of any Holder, on or after the repayment date; (g) make any change that adversely affects the right to convert or
exchange any Debt Security into or for shares of common stock or preferred stock or other securities, cash or property in accordance with its terms, (h) amend Sections 5.02, 5.03 and 5.04 in any manner that is materially adverse to the rights
of Holders of any series of Debt Securities or (i) reduce the percentage of Debt Securities of such series, the Holders of which are required to: (i) consent to any supplemental indenture, (ii) rescind and annul a declaration that the
Debt Securities of such series are due and payable as a result of the occurrence of an Event of Default, (iii) waive any past Event of Default and its consequences, or (iv) waive compliance with the provisions of this Indenture or with any
additional covenant, agreement or condition contained in a Board Resolution or Officers’ Certificate establishing such series of Debt Securities, any indenture supplemental hereto applicable to such series or any Debt Security of such series.
 
 Upon the Trustee’s receipt of a Company Request, accompanied by a copy of a Board Resolution certified by its Secretary or
Assistant Secretary authorizing the execution of any such supplemental indenture, and upon the filing with the Trustee of evidence of the consent of Holders of Debt Securities as aforesaid, the Trustee shall join with the Company in the execution of
such supplemental indenture unless such supplemental indenture affects the Trustee’s own rights, duties or immunities under this Indenture or otherwise, in which case the Trustee may in its discretion, but shall not be obligated to, enter into
such supplemental indenture. 
 A supplemental indenture which changes or eliminates any covenant or other provision of this Indenture which
has expressly been included solely for the benefit of one or more particular series of Debt Securities, or which modifies the rights of the Holders of Debt Securities of such series with respect to such covenant or other provision, shall be deemed
not to affect the rights under this Indenture of the Holders of Debt Securities of any other series. 

  
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 It shall not be necessary for the consent of the Holders of Debt Securities under this
Section 11.02 to approve the particular form of any proposed supplemental indenture, but it shall be sufficient if such consent shall approve the substance thereof. 

SECTION 11.03. Effect of Supplemental Indentures. Upon the execution of any supplemental indenture pursuant to the provisions of
this Article Eleven, this Indenture shall be and be deemed to be modified and amended in accordance therewith and the respective rights, limitation of rights, obligations, duties and immunities under this Indenture of the Trustee, the Company and
the Holders of Debt Securities shall thereafter be determined, exercised and enforced hereunder subject in all respects to such modifications and amendments and all the terms and conditions of any such supplemental indenture shall be and be deemed
to be part of the terms and conditions of this Indenture for any and all purposes. 
 SECTION 11.04. Notation on Debt
Securities. Debt Securities authenticated and delivered after the execution of any supplemental indenture pursuant to the provisions of this Article Eleven may bear a notation in form approved by the Trustee as to any matter provided for in such
supplemental indenture. If the Company or the Trustee shall so determine, new Debt Securities of any series so modified as to conform, in the opinion of the Trustee and the Board of Directors, to any modification of this Indenture contained in any
such supplemental indenture may be prepared and executed by the Company, authenticated by the Trustee and delivered in exchange for the Outstanding Debt Securities of such series. 

SECTION 11.05. Evidence of Compliance of Supplemental Indenture to be Furnished Trustee. The Trustee, subject to the provisions of
Sections 8.01 and 8.02, shall receive, and shall be fully protected in relying upon, an Officers’ Certificate and an Opinion of Counsel as conclusive evidence that any supplemental indenture executed pursuant hereto complies with the
requirements of this Article Eleven and is authorized and permitted by this Indenture. 
 ARTICLE 12. 

CONSOLIDATION, MERGER, SALE AND CONVEYANCE. 

SECTION 12.01. Company May Consolidate, etc., on Certain Terms. Nothing contained in this Indenture or in any of the Debt
Securities shall prevent any consolidation or merger of the Company with or into any other Person (whether or not affiliated with the Company), or successive consolidations or mergers in which the Company or its successor or successors shall be a
party or parties, or shall prevent any sale, conveyance or lease of all or substantially all of the property of the Company to any other Person (whether or not affiliated with the Company) authorized to acquire and operate the same; provided,
however, and the Company hereby covenants and agrees, that any such consolidation, merger, sale, conveyance or lease shall be upon the condition that (a) immediately after such consolidation, merger, sale, conveyance or lease the Person
(whether the Company or such other Person) 

  
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formed by or surviving any such consolidation or merger, or to which such sale, conveyance or lease shall have been made, shall not be in default in the performance or observance of any of the
terms, covenants and conditions of this Indenture to be kept or performed by the Company; (b) the Person (if other than the Company) formed by or surviving any such consolidation or merger or to which such sale, conveyance or lease shall have
been made, shall be a Person organized under the laws of the United States of America or any state thereof; and (c) the due and punctual payment of the principal of and premium, if any, and interest on all of the Debt Securities, according to
their tenor, and the due and punctual performance and observance of all of the covenants and conditions of this Indenture to be performed or observed by the Company, shall be expressly assumed, by supplemental indenture satisfactory in form to the
Trustee, executed and delivered to the Trustee by the Person (if other than the Company) formed by such consolidation, or into which the Company shall have been merged, or by the Person which shall have acquired or leased such property. 

SECTION 12.02. Successor Entity to be Substituted. In case of any such consolidation, merger, sale, conveyance or lease and upon
the assumption by the successor Person, by supplemental indenture, executed and delivered to the Trustee and satisfactory in form to the Trustee, of the due and punctual payment of the principal of and premium, if any, and interest on all of the
Debt Securities and the due and punctual performance and observance of all of the covenants and conditions of this Indenture to performed or observed by the Company, such successor Person shall succeed to and be substituted for the Company, with the
same effect as if it had been named herein as the party of the first part, and (except in the event of a conveyance by way of lease) the predecessor Person shall be relieved of any further obligation under this Indenture and the Debt Securities.

 In case of any such consolidation, merger, sale, conveyance or lease such changes in phraseology and form (but not in substance) may be
made in the Debt Securities thereafter to be issued as may be appropriate. 
 SECTION 12.03. Opinion of Counsel to Be Given
Trustee. The Trustee, subject to Sections 8.01 and 8.02, shall receive an Opinion of Counsel as conclusive evidence that any such consolidation, merger, sale conveyance or lease and any such assumption complies with the provisions of this
Article Twelve and that all conditions precedent herein provided relating to such transactions have been complied with. 
 ARTICLE 13.

 SATISFACTION, DISCHARGE AND DEFEASANCE OF INDENTURE. 

SECTION 13.01. Satisfaction, Discharge and Legal Defeasance of Debt Securities of any Series. The Company shall be deemed to have
paid and discharged the entire indebtedness on all the Debt Securities of a series, the provisions of this Indenture (except as to (x) the rights of Holders of Debt Securities of such series to receive, from the money, in the currency required,
and Government Obligations deposited with the Trustee pursuant to Section 13.02(a) or the interest 

  
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and principal received by the Trustee in respect of such Government Obligations, payment of the principal of (and premium, if any) and any installment of principal of (and premium, if any) or
interest on such Debt Securities on the Stated Maturities thereof or upon the Redemption Dates for Debt Securities required to be redeemed pursuant to any mandatory sinking fund or analogous provisions relating to Debt Securities of that series or
pursuant to any call for redemption relating to Debt Securities of that series, (y) the Company’s rights and obligations with respect to such Debt Securities under Sections 3.06, 3.07, 13.03 and 13.04, 5.01, 5.02, 5.03, 5.04, 8.06, 8.10
and 8.11, and (z) the rights, powers, trusts, duties and immunities of the Trustee with respect to the Debt Securities of such series) as it relates to such Debt Securities shall no longer be in effect, and the Trustee, at the expense of the
Company, shall, upon Company Request, execute proper instruments acknowledging the same if: 
 (a) (1) all Debt Securities of
such series therefor authenticated and delivered (other than (A) Debt Securities which have been destroyed, lost or stolen and which have been replaced or paid as provided in Section 3.07 and (B) Debt Securities for whose payment
money has theretofore been deposited in trust or segregated and held in trust by the Company and thereafter repaid to the Company or discharged from such trust, as provided in Sections 13.03 and 13.04) have been delivered to the Trustee for
cancellation; 
 (2) the Company has paid or caused to be paid in the currency required all other sums payable under this Indenture in
respect of the Debt Securities of such series, including all amounts owing to the Trustee under Section 8.06; and 
 (3) the Company
has delivered to the Trustee an Officers’ Certificate and an Opinion of Counsel each stating that all conditions precedent herein provided for relating to the satisfaction of the entire indebtedness of all Debt Securities of any such series and
the discharge of the Indenture as it relates to such Debt Securities have been complied with; or 
 (b) (1) all such Debt
Securities of such series not theretofore delivered to the Trustee for cancellation (A) have become due and payable, or (B) will become due and payable at their Stated Maturity within one year, or (C) are to be called for redemption
within one year under arrangements satisfactory to the Trustee for the giving of notice of redemption by the Trustee in the name, and at the expense of the Company; 

(2) the condition described in paragraph (a) of Section 13.02 has been satisfied; and 

(3) the conditions described in paragraphs (a)(2) and (a)(3) of this Section 13.01 have been satisfied; or 

(c) (1) the conditions referred to in Section 13.02 and paragraph (a)(2) of this Section 13.01 have been satisfied;
and 
 (2) the Company has delivered to the Trustee an opinion of a nationally-recognized independent tax counsel confirming that the
Company shall have received from, or there shall have been published by, the United States Internal Revenue Service a ruling or since the date of this Indenture there has been a change in the applicable Federal income tax law, in either case, to the
effect that, and based thereon such opinion of counsel will confirm that, Holders of the Debt Securities of such series will not recognize income, gain or loss for Federal income tax purposes 

  
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as a result of such deposit and the defeasance contemplated by this paragraph (c) of this Section 13.01 and will be subject to Federal income tax on the same amounts and in the same
manner and at the same times as would have been the case if such deposit and defeasance had not occurred. 
 SECTION 13.02. Covenant
Defeasance of Debt Securities of any Series. The provisions of this Indenture (except as to (x) the rights of Holders of Debt Securities of any series to receive, from the money, in the currency required, and Government Obligations
deposited with the Trustee pursuant to paragraph (a) below or the interest and principal received by the Trustee in respect of such Government Obligations, payment of the principal of (and premium, if any) and any installment of principal of
(and premium, if any) or interest on such Debt Securities on the Stated Maturities thereof or upon the Redemption Dates for Debt Securities required to be redeemed pursuant to any mandatory sinking or analogous provisions relating to Debt Securities
of that series or pursuant to any call for redemption relating to Debt Securities of that series, (y) the Company’s rights and obligations with respect to such Debt Securities under Sections 3.06, 3.07, 13.03, 13.04, Article Seven (other
than subsection (d) of Section 7.01, to the extent relating to the covenants defeased hereby), Sections 5.01, 5.02, 5.03, 5.04, 6.01, 8.06, 8.10 and 8.11 and (z) the rights, powers, trusts, duties and immunities of the Trustee with
respect to the Debt Securities of such series) as it relates to Debt Securities of any series shall no longer be in effect, and the Trustee, at the expense of the Company shall, upon Company Request, execute proper instruments acknowledging the same
if: 
 (a) the Company has irrevocably (subject to Section 13.04) deposited or caused to be deposited with the Trustee as trust funds
in trust and specifically pledged as security for, and dedicated solely to, the benefit of the Holders of Debt Securities of such series (1) Dollars or Foreign Currency, as applicable, in an amount, or (2) Government Obligations which
through the payment of interest and principal in respect thereof in accordance with their terms will provide on or before the due date of any payment in respect of such series of Debt Securities funds in an amount, or (3) a combination thereof,
sufficient, after payment of all Federal, state and local taxes in respect thereof payable by the Trustee, in the opinion of a nationally recognized firm of independent public accountants expressed in a written certification thereof delivered to the
Trustee, which opinion need only be provided if Government Obligations shall have been deposited, to pay and discharge the principal of (and premium, if any) and each installment of principal (and premium, if any) and interest on the Outstanding
Debt Securities of that series to the Stated Maturity of such principal or installment of principal or interest or to the Redemption Dates for Debt Securities required to be redeemed pursuant to any mandatory sinking fund or analogous provisions
relating to Debt Securities of that series or pursuant to any call for redemption relating to Debt Securities of that series on each day on which such payments are due and payable in accordance with the terms of the Indenture and such Debt
Securities; 
 (b) no Event of Default or event which with notice or lapse of time would become an Event of Default shall have occurred and
be continuing on the date of the deposit referred to in paragraph (a) of this Section 13.02 or, insofar as an Event of Default described in paragraph (g) or (h) of Section 7.01 are concerned, at any time during the period
ending on the 91st day after the date of such deposit or, if longer, ending on the day following the expiration date of the longest preference period applicable to the Company in respect of the
deposit (and this condition 

  
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will not be deemed satisfied until the expiration of such period; provided, however, that should this condition fail to be satisfied on or before such 91st day, the Trustee shall promptly, upon satisfactory receipt of evidence of such failure, return such deposit to the Company); 

(c) the interest of the Holders in such deposit shall have been duly perfected under the applicable provisions of the applicable Uniform
Commercial Code; 
 (d) such defeasance shall not (A) cause the Trustee to have a conflicting interest as defined in Section 8.08
or for purposes of the Trust Indenture Act of 1939 with respect to any securities of the Company or (B) result in the trust arising from such deposit to constitute, unless it is qualified as, a regulated investment company under the Investment
Company Act of 1940, as amended; 
 (e) such defeasance shall not result in a breach or violation of, or constitute a default under, this
Indenture or any other agreement or instrument to which the Company is a party or by which it is bound; 
 (f) the Company has delivered to
the Trustee an opinion of counsel of a nationally-recognized independent tax counsel confirming that the Holders of the Debt Securities of such series will not recognize income, gain or loss for Federal income tax purposes as a result of such
deposit and the defeasance contemplated by this Section 13.02 and will be subject to Federal income tax on the same amounts and in the same manner and at the same times as would have been the case if such deposit and defeasance had not
occurred; and 
 (g) the Company has delivered to the Trustee an Officers’ Certificate and an Opinion of Counsel, each stating that all
conditions precedent herein provided for relating to the defeasance contemplated by this Section have been complied with. 

SECTION 13.03. Application of Trust Funds; Indemnification. (a) Subject to the provisions of Section 13.04, all money
and Government Obligations deposited with the Trustee pursuant to Section 13.01 or 13.02 and all money received by the Trustee in respect of Government Obligations deposited with the Trustee, shall be held in trust and applied by it, in
accordance with the provisions of the Debt Securities and this Indenture, to the payment, either directly or through any paying agent (including the Company acting as its own paying agent) as the Trustee may determine, to the Persons entitled
thereto, of the principal (and premium, if any) and interest for whose payment such money and Government Obligations have been deposited with or received by the Trustee as contemplated by Section 13.01 or 13.02. 

(b) The Company shall pay and shall indemnify the Trustee against any tax, fee or other charge imposed on or assessed against
Government Obligations deposited pursuant to Section 13.01 or 13.02 or the interest and principal received in respect of such obligations, other than any such tax, fee or other charge payable by or on behalf of Holders. The Company shall be
entitled to prompt notice of an assessment or the commencement of any proceeding for which indemnification may be sought hereunder and, at its election, to contest such assessment or to participate in, assume the defense of, or settle such
proceeding. 

  
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 (c) The Trustee shall deliver or pay to the Company from time to time upon
Company Request any Government Obligations or money held by it as provided in Section 13.01 or 13.02 which, in the opinion of a nationally recognized firm of independent public accountants expressed in a written certification thereof delivered
to the Trustee, which opinion need only be provided if Government Obligations shall have been deposited, are then in excess of the amount thereof which then would have been required to be deposited for the purpose for which such obligations or money
were deposited or received. 
 SECTION 13.04. Return of Unclaimed Moneys. Any moneys deposited with or paid to the Trustee or
any paying agent for payment of the principal of and premium, if any, or interest on Debt Securities and not applied but remaining unclaimed by the Holders of Debt Securities for two years after the date upon which the principal of and premium, if
any, or interest on such Debt Securities, as the case may be, shall have become due and payable, shall be repaid to the Company by the Trustee or such paying agent on Company Request; and the Holder of any of the Debt Securities entitled to receive
such payment shall thereafter look only to the Company for any payment thereof and all liability of the Trustee or such paying agent with respect to such moneys shall thereupon cease. 

SECTION 13.05. Reinstatement. If the Trustee is unable to apply any money or Government Obligations in accordance with Sections
13.01 or 13.02 by reason of any legal proceeding or by reason of any order or judgment of any court or governmental authority enjoining, restraining or otherwise prohibiting such application, the Company’s obligations under this Indenture and
the Debt Securities shall be revived and reinstated as though no deposit had occurred pursuant to Sections 13.01 or 13.02 until such time as the Trustee is permitted to apply all such money or Government Obligations in accordance with Sections 13.01
or 13.02; provided that, if the Company has made any payment of principal of or interest on the Debt Securities because of the reinstatement of its obligations, the Company shall be subrogated to the rights of the Holders of such Debt Securities to
receive such payment from the money or Government Obligations held by the Trustee. 
 ARTICLE 14. 

IMMUNITY OF INCORPORATORS, STOCKHOLDERS, 

OFFICERS AND DIRECTORS. 

SECTION 14.01. Indenture and Debt Securities Solely Obligations of the Company. No recourse under or upon any obligation, covenant
or agreement of this Indenture, any supplemental indenture, or of any Debt Security, or for any claim based thereon or otherwise in respect thereof, shall be had against any incorporator, organizer, stockholder, member, owner, officer, director,
manager or employee, as such, past, present or future, of the Company or any Subsidiary or of any predecessor or successor Person, either directly or through the Company, whether by virtue of any constitution, statute or rule of law, or by the
enforcement of any assessment or penalty or otherwise; it being expressly understood that this Indenture and the obligations issued hereunder are solely obligations of the Company, and that no such personal

  
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liability whatever shall attach to, or is or shall be incurred by, any incorporator, organizer, stockholder, member, owner, officer, director, manager or employee, as such, of the Company or of
any predecessor or successor Person, or any of them, because of the creation of the indebtedness hereby authorized, or under or by reason of the obligations, covenants or agreements contained in this Indenture, or in any of the Debt Securities or
implied thereby; and that any and all such personal liability, either at common law or in equity or by constitution or statute of, and any and all such rights and claims against, every such incorporator, organizer, stockholder, member, owner,
officer, director, manager or employee, as such, because of the creation of the indebtedness hereby authorized, or under or by reason of the obligations, covenants or agreements contained in this Indenture or in any of the Debt Securities or implied
thereby, are hereby expressly waived and released as a condition of, and as a consideration for, the execution of this Indenture and the issue of such Debt Securities. 

ARTICLE 15. 

MISCELLANEOUS PROVISIONS. 

SECTION 15.01. Provisions Binding on Successors of the Company. All of the covenants, stipulations, promises and agreements in
this Indenture contained by the Company shall bind its successors and assigns whether so expressed or not. 
 SECTION 15.02.
Indenture for Sole Benefit of Parties and Holders of Debt Securities. Nothing in this Indenture or in the Debt Securities, expressed or implied, shall give or be construed to give to any Person, firm or corporation, other than the parties
hereto, any agent of the Trustee or the Company under this Indenture and the Holders of the Debt Securities, any legal or equitable right, remedy or claim under or in respect of this Indenture, or under any covenant, condition or provision herein
contained; all such covenants, conditions and provisions being, subject to the provisions of Articles Twelve, Fourteen and Sixteen, for the sole benefit of the parties hereto, any agent of the Trustee or the Company under this Indenture and the
Holders of the Debt Securities. 
 SECTION 15.03. Addresses for Notices, etc. Any notice or demand which by any provision of
this Indenture is required or permitted to be given or served by the Trustee or by the Holders of Debt Securities on the Company may be given or served by being deposited, registered or certified mail postage prepaid, in a post office letter box in
the United States addressed (until another address is filed by the Company with the Trustee) to the Company, United Insurance Holdings Corp., 360 Central Avenue, Suite 900, St. Petersburg, Florida 33701, Telecopier No.:
                    , Attention:
                    , with a copy to
                    , Telecopier No.:
                    , Attention:
                    . Any notice, direction, request or demand by any Holder of a Debt Security or the Company to or upon the Trustee shall be deemed
to have been sufficiently given or made, for all purposes, if given or made in writing at the Corporate Trust Office of the Trustee, addressed to the attention of its Corporate Trust Department. Any notice, report or other instrument required by any
of the provisions of this Indenture to be given by the Trustee to the Holders of Debt Securities of any or all series shall be deemed to have been sufficiently given, for all purposes, when mailed by first class mail. 

  
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 The Trustee agrees to accept and act upon instructions or directions pursuant to this Indenture
sent by unsecured e-mail, facsimile transmission or other similar unsecured electronic methods; provided, however, that (a) the party providing such electronic instructions or directions, subsequent to the transmission thereof, shall provide
the originally executed instructions or directions to the Trustee in a timely manner and (b) such originally executed instructions or directions shall be signed by an authorized representative of the party providing such instructions or
directions. The Trustee shall not be liable for any losses, costs or expenses arising directly or indirectly from the Trustee’s reliance upon and compliance with such instructions or directions notwithstanding such instructions or directions
conflict or are inconsistent with a subsequent written instruction or direction or if the subsequent written instruction or direction is never received. The party providing instructions or directions by unsecured e-mail, facsimile transmission or
other similar unsecured electronic methods, as aforesaid, agrees to assume all risks arising out of the use of such electronic methods to submit instructions and directions to the Trustee, including without limitation the risk of the Trustee acting
on unauthorized instructions, and the risk of interception and misuse by third parties. 
 Where this Indenture provides for notice to
Holders of any event, such notice shall be sufficiently given (unless otherwise herein expressly provided) if in writing and mailed, first-class postage prepaid, to each Holder affected by such event, at his address as it appears in the Debt
Security Register, not later than the latest date (if any), and not earlier than the earliest date (if any), prescribed for the giving of such notice. In any case where notice to Holders is given by mail, neither the failure to mail such notice, nor
any defect in any notice so mailed, to any particular Holder shall affect the sufficiency of such notice with respect to other Holders. Where this Indenture provides for notice in any manner, such notice may be waived in writing by the Person
entitled to receive such notice, either before or after the event, and such waiver shall be the equivalent of such notice. Waivers of notice by Holders shall be filed with the Trustee, but such filing shall not be a condition precedent to the
validity of any action taken in reliance upon such waiver. 
 In case by reason of the suspension of regular mail service or by reason of
any other cause it shall be impracticable to give such notice by mail, then such notification as shall be made with the approval of the Trustee shall constitute a sufficient notification for every purpose hereunder. 

SECTION 15.04.                  Contract; Waiver of
Trial by Jury. This Indenture and the Debt Securities shall for all purposes be construed in accordance with and governed by the laws of the State of
                . EACH OF THE COMPANY, THE TRUSTEE, AND THE HOLDERS HEREBY IRREVOCABLY WAIVE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY AND ALL RIGHT TO
TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THIS INDENTURE, THE DEBT SECURITIES OR THE TRANSACTIONS CONTEMPLATED HEREBY. 

  
 68 

 SECTION 15.05. Evidence of Compliance with Conditions Precedent. Upon any request to
the Trustee to take any action under any of the provisions of this Indenture, the Company shall furnish to the Trustee an Officers’ Certificate stating that all conditions precedent, if any (including any covenant, compliance with which
constitutes a condition precedent) provided for in this Indenture relating to the proposed action have been complied with and an Opinion of Counsel stating that, in the opinion of such counsel, all such conditions precedent have been complied with,
except that in the case of any such application or demand as to which the furnishing of such document is specifically required by any provision of this Indenture relating to such particular application or demand, no additional certificate or opinion
need be furnished. 
 Each certificate or opinion provided for in this Indenture and delivered to the Trustee with respect to compliance
with a condition or covenant provided for in this Indenture shall include (a) a statement that the Person making such certificate or opinion has read such covenant or condition; (b) a brief statement as to the nature and scope of the
examination or investigation upon which the statements or opinions contained in such certificate or opinion are based; (c) a statement that, in the opinion of such Person, he or she has made such examination or investigation as is necessary to
enable such Person to express an informed opinion as to whether or not such covenant or condition has been complied with; and (d) a statement as to whether or not, in the opinion of such Person, such condition or covenant has been complied
with. 
 SECTION 15.06. Legal Holidays. In any case where the date of maturity of interest on or principal of or premium, if
any, on any series of Debt Securities or the date fixed for redemption or repayment of any Debt Security or Debt Securities will be a legal holiday or a day on which banking institutions are legally authorized or obligated to close in New York, New
York or any other location where a paying agent appointed pursuant to Section 5.02 is located, then payment of such interest on or principal of and premium, if any, on such Debt Securities need not be made by such paying agent on such date but
may be made by such paying agent on the next succeeding day that is not a day in such location that is either a legal holiday nor a day on which banking institutions are legally authorized or obligated to close, with the same force and effect as if
made on such date of maturity or the date fixed for redemption or repayment and no interest shall accrue for the period from and after such prior date. 

SECTION 15.07. Trust Indenture Act of 1939 to Control. If any provision hereof limits, qualifies or conflicts with the duties
imposed by any of Sections 310 through 317 of the Trust Indenture Act of 1939, by the operation of Section 318(c) thereof, such imposed duties shall control, except as, and to the extent, expressly excluded from this Indenture, as permitted by
the Trust Indenture Act of 1939. If any provision of this Indenture modifies or excludes any provision of the Trust Indenture Act of 1939 that may be so modified or excluded, the latter provision shall be deemed to apply to this Indenture as so
modified or to be excluded, as the case may be. 

  
 69 

 SECTION 15.08. Table of Contents, Headings, etc. The table of contents and the titles
and headings of the articles and sections of this Indenture have been inserted for convenience of reference only, are not to be considered a part hereof, and shall in no way modify or restrict any of the terms or provisions hereof. 

SECTION 15.09. Determination of Principal Amount. In determining whether the Holders of the requisite principal amount of
Outstanding Debt Securities of any series have given any request, demand, authorization, direction, notice, consent or waiver hereunder, or whether sufficient funds are available for redemption or for any other purpose, (a) the principal amount
of an Original Issue Discount Debt Security that shall be deemed to be Outstanding for such purposes shall be the amount of the principal thereof that would be due and payable as of the date of such determination upon a declaration of acceleration
of the maturity thereof pursuant to Section 7.01, (b) the principal amount of any Debt Securities denominated in a Foreign Currency that shall be deemed to be Outstanding for such purposes shall be determined by converting the Foreign
Currency into Dollars at the Market Exchange Rate as of the date of such determination and (c) the principal amount of any Indexed Debt Security that shall be deemed to be Outstanding for such purposes shall be the amount of the principal face
amount of such Indexed Debt Security at original issuance, unless otherwise provided in or pursuant to this Indenture. 

SECTION 15.10. Execution in Counterparts. This Indenture may be executed in any number of counterparts, each of which shall be an
original and such counterparts shall together constitute but one and the same instrument.                     hereby accepts the trusts in this
Indenture declared and provided, upon the terms and conditions hereinabove set forth. 
 ARTICLE 16. 

SUBORDINATION OF DEBT SECURITIES. 

SECTION 16.01. Debt Securities Subordinated to Senior Indebtedness. The Company covenants and agrees, and each Holder of Debt
Securities, by such Holder’s acceptance thereof, likewise covenants and agrees, that the indebtedness represented by the Debt Securities and the payment of any and all amounts payable in respect of each and all of the Debt Securities is hereby
expressly subordinated, to the extent and in the manner hereinafter set forth, in right of payment to the prior payment in full of Senior Indebtedness, whether outstanding on the date of this Indenture or thereafter incurred, assumed or guaranteed.

 In the event (x) of any distribution of assets of the Company upon any dissolution, winding up, liquidation or reorganization of the
Company whether in a bankruptcy, insolvency, reorganization or receivership proceeding or upon an assignment for the benefit of creditors or any other marshalling of the assets and liabilities of the Company or otherwise, except a distribution in
connection with a merger or consolidation or a conveyance or transfer of all or substantially all of the properties of the Company which complies with the requirements of Article Twelve, (y) that a default shall have occurred and be continuing
with respect to the payment of any amount payable in respect of any Senior Indebtedness, or (z) that the principal of 

  
 70 

 
the Debt Securities of any series shall have been declared due and payable pursuant to Section 7.01 and such declaration shall not have been rescinded and annulled as provided in
Section 7.01, then: 
 (a) in a circumstance described in the foregoing clause (x) or (y) the holders of all Senior
Indebtedness, and in the circumstance described in the foregoing clause (z) the holders of all Senior Indebtedness outstanding at the time the principal of such Debt Securities (or in the case of Original Issue Discount Debt Securities, such
portion of the principal amount) shall have been so declared due and payable, shall first be entitled to receive payment of the full amount due thereon, or provision shall be made for such payment in money or money’s worth, before the Holders
of any of the Debt Securities are entitled to receive any payment in respect of the indebtedness evidenced by the Debt Securities; 
 (b)
any payment by, or distribution of assets of, the Company of any kind or character, whether in cash, property or securities (other than securities of the Company as reorganized or readjusted or securities of the Company or any other Person provided
for by a plan of reorganization or readjustment the payment of which is subordinate, at least to the extent provided in this Article with respect to the Debt Securities, to the payment of all Senior Indebtedness, provided that the rights of the
holders of the Senior Indebtedness are not altered by such reorganization or readjustment), to which the Holders of any of the Debt Securities would be entitled except for the provisions of this Article shall be paid or delivered by the Person
making such payment or distribution, whether a trustee in bankruptcy, a receiver or liquidating trustee or otherwise, directly to the holders of such Senior Indebtedness or their representative or representatives or to the trustee or trustees under
any indenture under which any instrument evidencing any of such Senior Indebtedness may have been issued, ratably according to the aggregate amounts remaining unpaid on account of such Senior Indebtedness held or represented by each, to the extent
necessary to make payment in full of all Senior Indebtedness remaining unpaid after giving effect to any concurrent payment or distribution (or provision therefor) to the holders of such Senior Indebtedness, before any payment or distribution is
made to the Holders of the indebtedness evidenced by the Debt Securities under this Indenture; and 
 (c) in the event that, notwithstanding
the foregoing, any payment by, or distribution of assets of, the Company of any kind or character, whether in cash, property or securities (other than securities of the Company as reorganized or readjusted or securities of the Company or any other
Person provided for by a plan of reorganization or readjustment the payment of which is subordinate, at least to the extent provided in this Article with respect to the Debt Securities, to the payment of all Senior Indebtedness, provided that the
rights of the holders of Senior Indebtedness are not altered by such reorganization or readjustment), shall be received by the Holders of any of the Debt Securities before all Senior Indebtedness is paid in full, such payment or distribution shall
be paid over to the holders of such Senior Indebtedness or their representative or representatives or to the trustee or trustees under any indenture under which any instruments evidencing any of such Senior Indebtedness may have been issued, ratably
as aforesaid, for application to the payment of all Senior Indebtedness remaining unpaid until all such Senior Indebtedness shall have been paid in full, after giving effect to any concurrent payment or distribution (or provision therefor) to the
holders of such Senior Indebtedness. 

  
 71 

 SECTION 16.02. Subrogation. Subject to the payment in full of all Senior Indebtedness
to which the indebtedness evidenced by the Debt Securities is in the circumstances subordinated as provided in Section 16.01, the Holders of the Debt Securities shall be subrogated to the rights of the holders of such Senior Indebtedness to
receive payments or distributions of cash, property or securities of the Company applicable to such Senior Indebtedness until all amounts owing on the Debt Securities shall be paid in full, and, as between the Company, its creditors other than
holders of such Senior Indebtedness, and the Holders of the Debt Securities, no such payment or distribution made to the holders of such Senior Indebtedness by virtue of this Article which otherwise would have been made to the Holders of the Debt
Securities shall be deemed to be a payment by the Company on account of such Senior Indebtedness, it being understood that the provisions of this Article are and are intended solely for the purpose of defining the relative rights of the Holders of
the Debt Securities, on the one hand, and the holders of Senior Indebtedness. 
 SECTION 16.03. Obligation of the Company
Unconditional. Nothing contained in this Article or elsewhere in this Indenture or in the Debt Securities is intended to or shall impair, as between the Company, its creditors other than the holders of Senior Indebtedness, and the Holders of the
Debt Securities, the obligation of the Company, which is absolute and unconditional, to pay to the Holders of the Debt Securities the principal of and interest on and any additional amounts owing in respect of the Debt Securities as and when the
same shall become due and payable in accordance with their terms, or is intended to or shall affect the relative rights of the Holders of the Debt Securities and creditors of the Company other than the holders of Senior Indebtedness nor shall
anything herein or therein prevent the Trustee or the Holder of any Debt Security from exercising all remedies otherwise permitted by applicable law upon default under this Indenture, subject to the rights, if any, under this Article of the holders
of Senior Indebtedness in respect of cash, property or securities of the Company received upon the exercise of any such remedy. 
 Upon any
payment or distribution of assets of the Company referred to in this Article, the Trustee and the Holders of the Debt Securities shall be entitled to rely upon any order or decree made by any court of competent jurisdiction in which any such
dissolution, winding up, liquidation or reorganization proceeding affecting the affairs of the Company is pending or upon a certificate of the trustee in bankruptcy, receiver, assignee for the benefit of creditors, liquidating trustee or agent or
other Person making any payment or distribution, delivered to the Trustee or to the Holders of the Debt Securities, for the purpose of ascertaining the Persons entitled to participate in such payment or distribution, the holders of the Senior
Indebtedness and other indebtedness of the Company, the amount thereof or payable thereon, the amount paid or distributed thereon and all other facts pertinent thereto or to this Article. The Trustee shall be entitled to rely on the delivery to it
of a written notice by a Person representing himself to be a holder of Senior Indebtedness (or an agent or representative of such holder or a trustee under any indenture under which any instruments evidencing any such Senior Indebtedness may have
been issued) to establish that such notice has been given by a holder of such Senior Indebtedness or such agent or representative or trustee on behalf of such holder. In the event that the Trustee determines in good faith that further evidence is
required with respect to the right of any Person as a holder of Senior Indebtedness to participate in any payment or distribution pursuant to this Article Sixteen, the Trustee may request such Person to furnish evidence to the reasonable
satisfaction of the Trustee as to the amount of Senior Indebtedness held by such Person, the 

  
 72 

 
extent to which such Person is entitled to participate in such payment or distribution and any other facts pertinent to the right of such Person under this Article Sixteen, and, if such evidence
is not furnished, the Trustee may defer any payment to such Person pending judicial determination as to the right of such Person to receive such payment or distribution. 

SECTION 16.04. Payments on Debt Securities Permitted. Nothing contained in this Article or elsewhere in this Indenture, or in any
of the Debt Securities, shall affect the obligation of the Company to make, or prevent the Company from making, payment of the principal of or interest on or any additional amounts owing in respect of the Debt Securities in accordance with the
provisions hereof and thereof, except as otherwise provided in this Article. 
 SECTION 16.05. Effectuation of Subordination by
Trustee. Each Holder of Debt Securities, by such Holder’s acceptance thereof, authorizes and directs the Trustee on such Holder’s behalf to take such action as may be necessary or appropriate to effectuate the subordination provided in
this Article and appoints the Trustee such Holder’s attorney-in-fact for any and all such purposes. 
 SECTION 16.06. Trustee
Has No Fiduciary Duty to Holders of Senior Indebtedness; Knowledge of Trustee. With respect to the holders of Senior Indebtedness, the Trustee undertakes to perform or to observe only such of its covenants and obligations as are specifically set
forth in this Indenture, and no implied covenants or obligations with respect to the holders of Senior Indebtedness shall be read into this Indenture against the Trustee. The Trustee shall not be deemed to owe any fiduciary duty to the holders of
Senior Indebtedness, and shall not be liable to any such holders if it shall pay over or deliver to the Holders or the Company or any other Person, money or assets to which any holders of Senior Indebtedness shall be entitled by virtue of this
Article or otherwise. Notwithstanding the provisions of this Article or any other provisions of this Indenture, the Trustee shall not be charged with knowledge of the existence of any facts which would prohibit the making of any payment of moneys to
or by the Trustee in respect of the Debt Securities of any series, or the taking of any other action by the Trustee, unless and until a Responsible Officer of the Trustee shall have received at the Corporate Trust Office of the Trustee written
notice thereof from the Company, any Holder of Debt Securities, any paying or conversion agent of the Company or the holder or representative of any class of Senior Indebtedness; and before the receipt of any such written notice, the Trustee shall
be entitled in all respects to assume that no such facts exist; provided that if the Trustee shall not have received the notice provided for in this Section at least three Business Days prior to the date upon which, by the terms hereof, any
money may become payable for any purpose (including the payment of the principal of or interest on, or additional amounts owing in respect of, any Debt Security) then, anything herein contained to the contrary notwithstanding, the Trustee shall have
all power and authority to receive such money and to apply the same to the purpose for which such money was received and shall not be affected by any notice to the contrary which may be received by it during or after such three Business Day period.
Moneys and Government Obligations held by the Trustee under Article Thirteen shall not be subject to the claims of the holders of Senior Indebtedness. 

  
 73 

 SECTION 16.07. Trustee May Hold Senior Indebtedness. The Trustee in its individual
capacity shall be entitled to all the rights set forth in this Article with respect to any Senior Indebtedness at the time held by it, to the same extent as any other holder of Senior Indebtedness, and nothing in the Trust Indenture Act of 1939 or
elsewhere in this Indenture shall deprive the Trustee of any of its rights as such holder. 
 Nothing in this Article shall apply to the
claims of, or payments to, the Trustee under or pursuant to Sections 7.03, 8.06 or 13.03(b). 
 SECTION 16.08. Rights of Holders of
Senior Indebtedness Not Impaired. No right of any present or future holder of any Senior Indebtedness to enforce the subordination herein shall at any time or in any way be prejudiced or impaired by any act or failure to act on the part of the
Company or by any noncompliance by the Company with the terms, provisions and covenants of this Indenture, regardless of any knowledge thereof any such holder may have or be otherwise charged with. 

  
 74 

 IN WITNESS WHEREOF, UNITED INSURANCE HOLDINGS CORP. has caused this Indenture to be executed by
its                     , and
                     has caused this Indenture to be executed by one of its officers, as of the day and year first written above. 

 

					
	UNITED INSURANCE HOLDINGS CORP.
	
	  

	By	 	  

	Title	 	  

		
	  
	 	, as Trustee
		
	By	 	  

	Title	 	  

  
 75EX-4.2

 Exhibit 4.2 

SMALL BUSINESS LENDING FUND – SECURITIES PURCHASE AGREEMENT 

 

							
	 Avenue Financial Holdings, Inc.
	  	    0098    
	Name of Company	  	SBLF No.

					
	 111 Tenth Avenue South, Suite 400

	Street Address for Notices
	Nashville	 	TN	 	37203
	City	 	State	 	Zip Code

	
	 Barbara Zipperian

	Name of Contact Person to Receive Notices

			
	 615-744-2900
	 	 615-736-7786

	Fax Number for Notices	 	Phone Number for Notices

	
	 Corporation

	Organizational Form (e.g., corporation, national bank)
	 Tennessee

	Jurisdiction of Organization
	 Board of Governors of Federal Reserve

	Appropriate Federal Banking Agency
	 September 15, 2011

	Effective Date

 
 

  
 THIS SECURITIES PURCHASE AGREEMENT
(the “Agreement”) is made as of the Effective Date set forth above (the “Signing Date”) between the Secretary of the Treasury (“Treasury”) and the Company named above (the
“Company”), an entity existing under the laws of the Jurisdiction of Organization stated above in the Organizational Form stated above. The Company has elected to participate in Treasury’s Small Business Lending Fund program
(“SBLF”). This Agreement contains the terms and conditions on which the Company intends to issue preferred stock to Treasury, which Treasury will purchase using funds appropriated under SBLF. 

This Agreement consists of the following attached parts, all of which together constitute the entire agreement of Treasury and the Company (the
“Parties”) with respect to the subject matter hereof, superseding all prior written and oral agreements and understandings between the Parties with respect to such subject matter: 

 

			
	Annex A:	 	Information Specific to the Company and the Investment
	Annex B:	 	Definitions
	Annex C:	 	General Terms and Conditions
	Annex D:	 	Disclosure Schedule
	Annex E:	 	Registration Rights
	Annex F:	 	Form of Certificate of Designation

			
	Annex G:	 	Form of Officer’s Certificate
	Annex H:	 	Form of Supplemental Reports
	Annex I:	 	Form of Annual Certification
	Annex J:	 	Form of Opinion
	Annex K:	 	Form of Repayment Document

 
 

  
 This Agreement may be executed in any
number of counterparts, each being deemed to be an original instrument, and all of which will together constitute the same agreement. Executed signature pages to this Agreement may be delivered by facsimile or electronic mail attachment. 

[Signatures follow] 

 IN WITNESS WHEREOF, this Agreement has been duly executed and delivered by the duly authorized
representatives of the parties hereto as of the Effective Date. 
  

									
	THE SECRETARY OF THE TREASURY	 		 	AVENUE FINANCIAL HOLDINGS, INC.
					
	By:	 	/s/ Don Graves	 		 	By:	 	/s/ Kent Cleaver
	Name:	 	Don Graves	 		 	Name:	 	Kent Cleaver
	Title:	 	Deputy Assistant Secretary	 		 	Title:	 	Chief Operating Officer

  
  

Signature Page- SBLF Securities Purchase Agreement – Avenue Financial Holdings, Inc. SBLF 0098 

 ANNEX A 

INFORMATION SPECIFIC TO THE COMPANY AND THE INVESTMENT 
  

			
	Purchase Information	 	
		
	Terms of the Purchase:	 	
		
	 Series of Preferred Stock Purchased:
	 	Senior Non-Cumulative Perpetual Preferred Stock, Series C
		
	 Per Share Liquidation Preference of Preferred Stock:
	 	$1,000 per share
		
	 Number of Shares of Preferred Stock Purchased:
	 	18,950
		
	 Dividend Payment Dates on the Preferred Stock:
	 	Payable quarterly in arrears on January 1, April 1, July 1 and October 1 of each year.
	 Purchase Price:
	 	$18,950,000
		
	Closing:	 	
		
	 Location of Closing:
	 	Virtual
		
	 Time of Closing:
	 	10:00 a.m. (EST)
		
	 Date of Closing:
	 	September 15, 2011
		
	Redemption Information	 	
	(Only complete if the Company was a CPP or CDCI participant; leave blank otherwise.)
		
	Prior Program:	 	x CPP
		
		 	 ̈ CDCI
		
	Series of Previously Acquired Preferred Stock:	 	Fixed Rate Cumulative Perpetual Preferred Stock, Series A
		
		 	Fixed Rate Cumulative Perpetual Preferred Stock, Series B
	Number of Shares of Previously Acquired Preferred Stock:	 	7,400 shares of Series A Preferred
		 	   370 shares of Series B Preferred
	Repayment Amount:	 	$7,803,608.33
		
	Residual Amount:	 	-0-

  

			
	Annex A (Information Specific to the Company and the Investment)	  	Page 1

			
	Matching Private Investment Information	 	
		
	Treasury investment is contingent on the Company raising Matching Private Investment (check one):	 	 ̈ Yes
		 	x No
		
	If Yes, complete the following (leave blank otherwise):	 	
		
	Aggregate Dollar Amount of Matching Private Investment Required:	 	
		
	Aggregate Dollar Amount of Matching Private Investment Received:	 	
		
	Class of securities representing Matching Private Investment:	 	
		
	Date of issuance of Matching Private Investment:	 	

  

			
	Annex A (Information Specific to the Company and the Investment)	  	Page 2

 ANNEX B 

DEFINITIONS 
 1.
Definitions. Except as otherwise specified herein or as the context may otherwise require, the following terms have the respective meanings set forth below for all purposes of this Agreement. 

“Affiliate” means, with respect to any person, any person directly or indirectly controlling, controlled by or under
common control with, such other person. For purposes of this definition, “control” (including, with correlative meanings, the terms “controlled by” and “under common control
with”) when used with respect to any person, means the possession, directly or indirectly through one or more intermediaries, of the power to cause the direction of management and/or policies of such person, whether through the
ownership of voting securities by contract or otherwise. 
 “Application Date” means the date of the Company’s
completed application to participate in SBLF. 
 “Appropriate Federal Banking Agency” means the “appropriate
Federal banking agency” with respect to the Company or such Company Subsidiaries, as applicable, as defined in Section 3(q) of the Federal Deposit Insurance Act (12 U.S.C. Section 1813(q)). The Appropriate Federal Banking Agency is
identified on the cover page of this Agreement. 
 “Appropriate State Banking Agency” means, if the Company is a
State-chartered bank, the Company’s State bank supervisor (as defined in Section 3(r) of the Federal Deposit Insurance Act, 12 U.S.C. § 1813(q). 

“Bank Holding Company” means a company registered as such with the Federal Reserve pursuant to 12 U.S.C. §1842
and the regulations of the Federal Reserve promulgated thereunder. 
 “Call Report” has the meaning assigned thereto
in Section 4102(4) of the SBJA. If the Company is a Bank Holding Company or a Savings and Loan Holding Company, unless the context clearly indicates otherwise: (a) the term “Call Report” shall mean the Call Report(s) (as defined
in Section 4102(4) of the SBJA) of the IDI Subsidiary(ies); and (b) if there are multiple IDI Subsidiaries, all references herein or in any document executed or delivered in connection herewith (including the Certificate of Designation,
the Initial Supplemental Report and all Quarterly Supplemental Reports) to any data reported in a Call Report shall refer to the aggregate of such data across the Call Reports for all such IDI Subsidiaries. 

“CDCI” means the Community Development Capital Initiative, as authorized under the Emergency Economic Stabilization
Act of 2008. 
 “Company Material Adverse Effect” means a material adverse effect on (i) the business,
results of operation or condition (financial or otherwise) of the Company and its consolidated subsidiaries taken as a whole; provided, however, that Company Material Adverse Effect shall not be deemed to include the effects of
(A) changes after the Signing Date in general  

  

			
	 Annex B (Definitions)
	  	Page 1

 
business, economic or market conditions (including changes generally in prevailing interest rates, credit availability and liquidity, currency exchange rates and price levels or trading volumes
in the United States or foreign securities or credit markets), or any outbreak or escalation of hostilities, declared or undeclared acts of war or terrorism, in each case generally affecting the industries in which the Company and its subsidiaries
operate, (B) changes or proposed changes after the Signing Date in GAAP, or authoritative interpretations thereof, or (C) changes or proposed changes after the Signing Date in securities, banking and other laws of general applicability or
related policies or interpretations of Governmental Entities (in the case of each of these clauses (A), (B) and (C), other than changes or occurrences to the extent that such changes or occurrences have or would reasonably be expected to have a
materially disproportionate adverse effect on the Company and its consolidated subsidiaries taken as a whole relative to comparable U.S. banking or financial services organizations); or (ii) the ability of the Company to consummate the Purchase
and other transactions contemplated by this Agreement and perform its obligations hereunder and under the Certificate of Designation on a timely basis and declare and pay dividends on the Dividend Payment Dates set forth in the Certificate of
Designations. 
 “CPP” means the Capital Purchase Program, as authorized under the Emergency Economic Stabilization
Act of 2008. 
 “Disclosure Schedule” means that certain schedule to this Agreement delivered to Treasury on or prior to
the Signing Date, setting forth, among other things, items the disclosure of which is necessary or appropriate in response to an express disclosure requirement contained in a provision hereof. The Disclosure Schedule is contained in Annex D
of this Agreement. 
 “Executive Officers” means the Company’s “executive officers” as defined in 12
C.F.R. § 215.2(e)(1) (regardless of whether or not such regulation is applicable to the Company). 
 “Federal
Reserve” means the Board of Governors of the Federal Reserve System. 
 “GAAP” means generally
accepted accounting principles in the United States. 
 “General Terms and Conditions” and “General
T&C” each mean Annex C of this Agreement. 
 “IDI Subsidiary” means any Company
Subsidiary that is an insured depository institution. 
 “Junior Stock” means Common Stock and any other class or
series of stock of the Company the terms of which expressly provide that it ranks junior to the Preferred Shares as to dividend and redemption rights and/or as to rights on liquidation, dissolution or winding up of the Company. 

“knowledge of the Company” or “Company’s knowledge” means the actual knowledge after
reasonable and due inquiry of the “officers” (as such term is defined in Rule 3b-2 under the Exchange Act) of the Company. 

  

			
	 Annex B (Definitions)
	  	Page 2

 “Matching Private Investment-Supported,” when used to describe the
Company (if applicable), means the Company’s eligibility for participation in the SBLF program is conditioned upon the Company or an Affiliate of the Company acceptable to Treasury receiving Matching Private Investment, as contemplated by
Section 4103(d)(3)(B) of the SBJA. 
 “Original Letter Agreement” means, if applicable, the Letter Agreement
(and all terms incorporated therein) pursuant to which Treasury purchased from the Company, and the Company issued to Treasury, the Previously Acquired Preferred Shares (or warrants exercised to acquire the Previously Acquired Preferred Shares or
the securities exchanged for the Previously Acquired Preferred Stock). 
 “Oversight Officials” means, interchangeably and
collectively as context requires, the Special Deputy Inspector General for SBLF Program Oversight, the Inspector General of the Department of the Treasury, and the Comptroller General of the United States. 

“Parity Stock” means any class or series of stock of the Company the terms of which do not expressly provide that such
class or series will rank senior or junior to the Preferred Shares as to dividend rights and/or as to rights on liquidation, dissolution or winding up of the Company (in each case without regard to whether dividends accrue cumulatively or
non-cumulatively). 
 “Preferred Shares” means the number of shares of Preferred Stock identified in the
“Purchase Information” section of Annex A opposite “Number of Shares of Preferred Stock Purchased.” 

“Preferred Stock” means the series of the Company’s preferred stock identified in the “Purchase
Information” section of Annex A opposite “Series of Preferred Stock Purchased.” 
 “Previously Acquired
Preferred Shares” means, if the Company participated in CPP or CDCI, the number of shares of Previously Acquired Preferred Stock identified in the “Redemption Information” section of Annex A opposite “Number of Shares
of Previously Acquired Preferred Stock.” 
 “Previously Acquired Preferred Stock” means, if the Company
participated in CPP or CDCI, the series of the Company’s preferred stock identified in the “Redemption Information” section of Annex A opposite “Series of Previously Acquired Preferred Stock.” 

“Previously Disclosed” means information set forth on the Disclosure Schedule or the Disclosure Update, as
applicable; provided, however, that disclosure in any section of such Disclosure Schedule or Disclosure Update, as applicable, shall apply only to the indicated section of this Agreement; provided, further, that the
existence of Previously Disclosed information, pursuant to a Disclosure Update, shall neither obligate Treasury to consummate the Purchase nor limit or affect any rights of or remedies available to Treasury. 

“Prior Program” means (a) CPP, if the Company is a participant in CPP immediately prior to the Closing, or
(b) CDCI, if the Company is a participant in CDCI immediately prior to the Closing. 

  

			
	 Annex B (Definitions)
	  	Page 3

 “Publicly-traded” means a company that (i) has a class of securities
that is traded on a national securities exchange and (ii) is required to file periodic reports with either the Securities and Exchange Commission or its primary federal bank regulator. 

“Purchase” means the purchase of the Preferred Shares by Treasury from the Company pursuant to this Agreement. 

“Repayment” means the repurchase set forth in the Repayment Document. 

“Repayment Amount” means, if the Company participated in CPP or CDCI, the aggregate amount payable by the Company as
of the Closing Date to redeem the Previously Acquired Preferred Stock in accordance with its terms, which amount is set forth in the “Redemption Information” section of Annex A. 

“Savings and Loan Holding Company” means a company registered as such with the Office of Thrift Supervision or any
successor thereto pursuant to 12 U.S.C. §1467(a) and the regulations of the Office of Thrift Supervision promulgated thereunder. 

“SBJA” means the Small Business Jobs Act of 2010, as it may be amended from time to time. 

“Subsidiary” means any corporation, partnership, joint venture, limited liability company or other entity (A) of
which such person or a subsidiary of such person is a general partner or (B) of which a majority of the voting securities or other voting interests, or a majority of the securities or other interests of which having by their terms ordinary
voting power to elect a majority of the board of directors or persons performing similar functions with respect to such entity, is directly or indirectly owned by such person and/or one or more subsidiaries thereof. 

“Tax” or “Taxes” means any federal, state, local or foreign income, gross receipts,
property, sales, use, license, excise, franchise, employment, payroll, withholding, alternative or add-on minimum, ad valorem, transfer or excise tax, or any other tax, custom, duty, governmental fee or other like assessment or charge of any
kind whatsoever, together with any interest, penalty or addition imposed by any Governmental Entity. 
 “Total
Assets” means, with respect to an insured depository institution, the total assets of such insured depository institution. 

“Total Risk-Weighted Assets” means, with respect to an insured depository institution, the risk-weighted assets of
such insured depository institution. 
 “Warrant” has the meaning set forth in the Repayment Document. 

2. Index of Definitions. The following table, which is provided solely for convenience of reference and shall not affect the
interpretation of this Agreement, identifies the location where capitalized terms are defined in this Agreement: 

  

			
	 Annex B (Definitions)
	  	Page 4

			
	 Term
	  	Location of
 Definition

	  
	  	  

	 Affiliate
	  	Annex B, §1
	 Agreement
	  	Cover Page
	 Appropriate Federal Banking Agency
	  	Annex B, §1
	 Appropriate State Banking Agency
	  	Annex B, §1
	 Bank Holding Company
	  	Annex B, §1
	 Bankruptcy Exceptions
	  	General T&C, §2.5(a)
	 Board of Directors
	  	General T&C, §2.6
	 Business Combination
	  	General T&C, §5.8
	 business day
	  	General T&C, §5.12
	 Call Report
	  	Annex B, §1
	 Capitalization Date
	  	General T&C, §2.2
	 CDCI
	  	Annex B, §1
	 Certificate of Designation
	  	General T&C, §1.3(d)
	 Charter
	  	General T&C, §1.3(d)
	 Closing
	  	General T&C, §1.2(a)
	 Closing Date
	  	General T&C, §1.2(a)
	 Closing Deadline
	  	General T&C, §5.1(a)(i)
	 Code
	  	General T&C, §2.14
	 Common Stock
	  	General T&C, §2.2
	 Company
	  	Cover Page
	 Company Financial Statements
	  	General T&C, §1.3(i)
	 Company Material Adverse Effect
	  	Annex B, §1
	 Company Reports
	  	General T&C, §2.9
	 Company Subsidiary; Company Subsidiaries
	  	General T&C, §2.5(b)
	 control; controlled by; under common control with
	  	Annex B, §1
	 CPP
	  	Annex B, §1
	 Disclosure Schedule
	  	Annex B, §1
	 Disclosure Update
	  	General T&C, §1.3(h)
	 ERISA
	  	General T&C, §2.14
	 Exchange Act
	  	General T&C, §4.3
	 Executive Officers
	  	Annex B, §1
	 Federal Reserve
	  	Annex B, §1
	 GAAP
	  	Annex B, §1
	 Governmental Entities
	  	General T&C, §1.3(a)
	 Holders
	  	General T&C, §4.4(a)
	 IDI Subsidiary
	  	Annex B, §1
	 Indemnitee
	  	General T&C, §4.4(b)
	 Information
	  	General T&C, §3.1(c)(iii)
	 Initial Supplemental Report
	  	General T&C, §1.3(j)
	 Junior Stock
	  	Annex B, §1
	 knowledge of the Company; Company’s knowledge
	  	Annex B, §1
	 Matching Private Investment
	  	General T&C, §1.3(l)
	 Matching Private Investment-Supported
	  	Annex B, § 1
	 Matching Private Investors
	  	General T&C, §1.3(l)

  

			
	 Annex B (Definitions)
	  	Page 5

			
	 officers
	  	Annex B, §1
	 Oversight Officials
	  	Annex B, §1
	 Parity Stock
	  	Annex B, §1
	 Parties
	  	Cover Page
	 Plan
	  	General T&C, §2.14
	 Preferred Shares
	  	Annex B, §1
	 Preferred Stock
	  	Annex B, §1
	 Previously Acquired Preferred Shares
	  	Annex B, §1
	 Previously Acquired Preferred Stock
	  	Annex B, §1
	 Previously Disclosed
	  	Annex B, §1
	 Prior Program
	  	General T&C, §1.2(c)
	 Proprietary Rights
	  	General T&C, §2.21
	 Publicly-traded
	  	Annex B, §1
	 Purchase
	  	Annex B, §1
	 Purchase Price
	  	General T&C, §1.1(a)
	 Regulatory Agreement
	  	General T&C, §2.19
	 Related Party
	  	General T&C, §2.25
	 Repayment Document
	  	General T&C, §1.2(b)(ii)(E)
	 Residual Amount
	  	General T&C, §1.2(b)(ii)(B)
	 Savings and Loan Holding Company
	  	Annex B, §1
	 SBJA
	  	Annex B, §1
	 SBLF
	  	Cover Page
	 SEC
	  	General T&C, §2.11
	 Securities Act
	  	General T&C, §2.1
	 Signing Date
	  	Cover Page
	 Subsidiary
	  	Annex B, §1
	 Quarterly Supplemental Report
	  	General T&C, §3.1(d)(i)
	 Tax; Taxes
	  	Annex B, §1
	 Transfer
	  	General T&C, §4.3
	 Treasury
	  	Cover Page

 3. Defined Terms in Annex K. Except for defined terms in Annex K that are expressly
cross-referenced in another part of this Agreement, terms defined in Annex K are defined therein solely for purposes of Annex K and are not applicable to other parts of this Agreement. 

  

			
	 Annex B (Definitions)
	  	Page 6

 ANNEX C 

GENERAL TERMS AND CONDITIONS 

CONTENTS OF GENERAL TERMS AND CONDITIONS 
  

									
	 	 	 	 	 	  	Page	 
			
	 ARTICLE I
	 	 PURCHASE; CLOSING
	  	 	3	  
				
		 	1.1	 	 Purchase
	  	 	3	  
		 	1.2	 	 Closing
	  	 	3	  
		 	1.3	 	 Closing Conditions
	  	 	4	  
			
	 ARTICLE II
	 	 REPRESENTATIONS AND WARRANTIES
	  	 	6	  
				
		 	2.1	 	 Organization, Authority and Significant Subsidiaries
	  	 	6	  
		 	2.2	 	 Capitalization
	  	 	6	  
		 	2.3	 	 Preferred Shares
	  	 	7	  
		 	2.4	 	 Compliance With Identity Verification Requirements
	  	 	7	  
		 	2.5	 	 Authorization; Enforceability
	  	 	7	  
		 	2.6	 	 Anti-takeover Provisions and Rights Plan
	  	 	8	  
		 	2.7	 	 No Company Material Adverse Effect
	  	 	8	  
		 	2.8	 	 Company Financial Statements
	  	 	9	  
		 	2.9	 	 Reports
	  	 	9	  
		 	2.10	 	 No Undisclosed Liabilities
	  	 	9	  
		 	2.11	 	 Offering of Securities
	  	 	10	  
		 	2.12	 	 Litigation and Other Proceedings
	  	 	10	  
		 	2.13	 	 Compliance with Laws
	  	 	10	  
		 	2.14	 	 Employee Benefit Matters
	  	 	11	  
		 	2.15	 	 Taxes
	  	 	11	  
		 	2.16	 	 Properties and Leases
	  	 	11	  
		 	2.17	 	 Environmental Liability
	  	 	12	  
		 	2.18	 	 Risk Management Instruments
	  	 	12	  
		 	2.19	 	 Agreements with Regulatory Agencies
	  	 	12	  
		 	2.20	 	 Insurance
	  	 	13	  
		 	2.21	 	 Intellectual Property
	  	 	13	  
		 	2.22	 	 Brokers and Finders
	  	 	13	  
		 	2.23	 	 Disclosure Schedule
	  	 	13	  
		 	2.24	 	 Previously Acquired Preferred Shares
	  	 	14	  
		 	2.25	 	 Related Party Transactions
	  	 	14	  
		 	2.26	 	 Ability to Pay Dividends
	  	 	14	  
			
	 ARTICLE III
	 	 COVENANTS
	  	 	14	  
				
		 	3.1	 	 Affirmative Covenants
	  	 	14	  
		 	3.2	 	 Negative Covenants
	  	 	20	  

  

			
	 Annex C (General Terms and Conditions)
	  	Page 1

									
	 ARTICLE IV
	 	 ADDITIONAL AGREEMENTS
	  	 	21	  
				
		 	4.1	 	 Purchase for Investment
	  	 	21	  
		 	4.2	 	 Legends
	  	 	21	  
		 	4.3	 	 Transfer of Preferred Shares
	  	 	22	  
		 	4.4	 	 Rule 144; Rule 144A; 4(1 1⁄2)
Transactions
	  	 	22	  
		 	4.5	 	 Depositary Shares
	  	 	24	  
		 	4.6	 	 Expenses and Further Assurances
	  	 	24	  
			
	 ARTICLE V
	 	 MISCELLANEOUS
	  	 	24	  
				
		 	5.1	 	 Termination
	  	 	24	  
		 	5.2	 	 Survival
	  	 	25	  
		 	5.3	 	 Amendment
	  	 	25	  
		 	5.4	 	 Waiver of Conditions
	  	 	26	  
		 	5.5	 	 Governing Law; Submission to Jurisdiction; etc.
	  	 	26	  
		 	5.6	 	 No Relationship to TARP
	  	 	26	  
		 	5.7	 	 Notices
	  	 	26	  
		 	5.8	 	 Assignment
	  	 	27	  
		 	5.9	 	 Severability
	  	 	27	  
		 	5.10	 	 No Third Party Beneficiaries
	  	 	27	  
		 	5.11	 	 Specific Performance
	  	 	27	  
		 	5.12	 	 Interpretation
	  	 	27	  

  

			
	 Annex C (General Terms and Conditions)
	  	Page 2

 ARTICLE I 

PURCHASE; CLOSING 

1.1 Purchase. On the terms and subject to the conditions set forth in this Agreement, the Company agrees to sell to Treasury,
and Treasury agrees to purchase from the Company, at the Closing, the Preferred Shares for the aggregate price set forth on Annex A (the “Purchase Price”).  

1.2 Closing. (a) On the terms and subject to the conditions set forth in this Agreement, the closing of the Purchase (the
“Closing”) will take place at the location specified in Annex A, at the time and on the date set forth in Annex A or as soon as practicable thereafter, or at such other place, time and date as shall be agreed between
the Company and Treasury. The time and date on which the Closing occurs is referred to in this Agreement as the “Closing Date”. 

(b) Subject to the fulfillment or waiver of the conditions to the Closing in Section 1.3, at the Closing: 

(i) if Treasury holds Previously Acquired Preferred Shares: 

(A) the Purchase Price shall first be applied to pay the Repayment Amount; 

(B) if the Purchase Price is less than the Repayment Amount, the Company shall pay the positive difference (if any) between the Repayment
Amount and the Purchase Price (a “Residual Amount”) to Treasury’s Office of Financial Stability by wire transfer of immediately available United States funds to an account designated in writing by Treasury; and 

(C) upon receipt of the full Repayment Amount (by application of the Purchase Price and, if applicable, the Company’s payment of the
Residual Amount), Treasury and the Company will consummate the Repayment; 
 (D) the Company will deliver to Treasury a statement of
adjustment as contemplated by Section 13(J) of the Warrant, if applicable; and 
 (E) the Company and Treasury will execute and
deliver a properly completed repurchase document in the form attached hereto as Annex K, (the “Repayment Document”). 

(ii) the Company will deliver the Preferred Shares as evidenced by one or more certificates dated the Closing Date and bearing appropriate
legends as hereinafter provided for, in exchange for payment in full of the Purchase Price by application of the Purchase Price to the Repayment and by wire transfer of immediately available United States funds to a bank account designated by the
Company in the Initial Supplemental Report. 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 3

 1.3 Closing Conditions. The obligation of Treasury to consummate the Purchase is subject
to the fulfillment (or waiver by Treasury) at or prior to the Closing of each of the following conditions: 
 (a)(i) any approvals or
authorizations of all United States federal, state, local, foreign and other governmental, regulatory or judicial authorities (collectively, “Governmental Entities”) required for the consummation of the Purchase shall have
been obtained or made in form and substance reasonably satisfactory to each party and shall be in full force and effect and all waiting periods required by United States and other applicable law, if any, shall have expired and (ii) no provision
of any applicable United States or other law and no judgment, injunction, order or decree of any Governmental Entity shall prohibit the purchase and sale of the Preferred Shares as contemplated by this Agreement; 

(b)(i) the representations and warranties of the Company set forth in (A) Sections 2.7 and 2.26 shall be true and correct in all respects
as though made on and as of the Closing Date; (B) Sections 2.1, 2.2, 2.3, 2.4, 2.5, 2.6, 2.19, 2.22, 2.23, 2.24 and 2.25 shall be true and correct in all material respects as though made on and as of the Closing Date (other than representations
and warranties that by their terms speak as of another date, which representations and warranties shall be true and correct in all material respects as of such other date); and (C) Sections 2.8 through 2.18 and Sections 2.20 through 2.21
(disregarding all qualifications or limitations set forth in such representations and warranties as to “materiality”, “Company Material Adverse Effect” and words of similar import) shall be true and correct as though made on and
as of the Closing Date (other than representations and warranties that by their terms speak as of another date, which representations and warranties shall be true and correct as of such other date), except to the extent that the failure of such
representations and warranties referred to in this Section 1.3(b)(i)(C) to be so true and correct, individually or in the aggregate, does not have and would not reasonably be expected to have a Company Material Adverse Effect; and (ii) the
Company shall have performed in all respects all obligations required to be performed by it under this Agreement at or prior to the Closing; 

(c) the Company shall have delivered to Treasury a certificate signed on behalf of the Company by an Executive Officer certifying to the
effect that the conditions set forth in Section 1.3(b) have been satisfied, in substantially the form of Annex G; 
 (d)
the Company shall have duly adopted and filed with the Secretary of State of its jurisdiction of organization or other applicable Governmental Entity an amendment to its certificate or articles of incorporation, articles of association, or similar
organizational document (“Charter”) in substantially the form of Annex F (the “Certificate of Designation”) and the Company shall have delivered to Treasury a copy of the filed Certificate of Designation with
appropriate evidence from the Secretary of State or other applicable Governmental Entity that the filing has been accepted, or if a filed copy is unavailable, a certificate signed on behalf of the Company by an Executive Officer certifying to the
effect that the filing of the Certificate of Designation has been accepted, in substantially the form attached hereto as Annex F; 

(e) the Company shall have delivered to Treasury true, complete and correct certified copies of the Charter and bylaws of the Company; 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 4

 (f) the Company shall have delivered to Treasury a written opinion from counsel to the Company
(which may be internal counsel), addressed to Treasury and dated as of the Closing Date, in substantially the form of Annex J; 
 (g)
the Company shall have delivered certificates in proper form or, with the prior consent of Treasury, evidence of shares in book-entry form, evidencing the Preferred Shares to Treasury or its designee(s); 

(h) the Company shall have delivered to Treasury a copy of the Disclosure Schedule on or prior to the Signing Date and, to the extent
that any information set forth on the Disclosure Schedule needs to be updated or supplemented to make it true, complete and correct as of the Closing Date, (i) the Company shall have delivered to Treasury an update to the Disclosure Schedule
(the “Disclosure Update”), setting forth any information necessary to make the Disclosure Schedule true, correct and complete as of the Closing Date and (ii) Treasury, in its sole discretion, shall have approved the
Disclosure Update, provided, however, that the delivery and acceptance of the Disclosure Update shall not limit or affect any rights of or remedies available to Treasury;  

(i) the Company shall have delivered to Treasury on or prior to the Signing Date each of the consolidated financial statements of the Company
and its consolidated subsidiaries for each of the last three completed fiscal years of the Company (which shall be audited to the extent audited financial statements are available prior to the Signing Date) (together with the Call Reports filed by
the Company or the IDI Subsidiary(ies) for each completed quarterly period since the last completed fiscal year, the “Company Financial Statements”); 

(j) the Company shall have delivered to Treasury, not later than five (5) business days prior to the Closing Date, a certificate (the
“Initial Supplemental Report”) in substantially the form attached hereto as Annex H setting forth a complete and accurate statement of loans held by the Company (or if the Company is a Bank Holding Company or a
Savings and Loan Holding Company, by the IDI Subsidiary(ies)) in each of the categories described therein, for the time periods specified therein, (A) including a signed certification of the Chief Executive Officer, the Chief Financial Officer
and all directors or trustees of the Company or the IDI Subsidiary(ies) who attested to the Call Reports for the quarters covered by such certificate, that such certificate (x) has been prepared in conformance with the instructions issued by
Treasury and (y) is true and correct to the best of their knowledge and belief; and (B) completed for the last full calendar quarter prior to the Closing Date and the four (4) quarters ended September 30,
2009, December 31, 2009, March 31, 2010 and June 30, 2010; 
 (k) prior to the Signing Date, the Company shall have
delivered to Treasury, the Appropriate Federal Banking Agency and, if the Company is a State-chartered bank, the Appropriate State Banking Agency, a small business lending plan describing how the Company’s business strategy and operating goals
will allow it to address the needs of small businesses in the area it serves, as well as a plan to provide linguistically and culturally appropriate outreach, where appropriate; and 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 5

 (l) if the Company is Matching Private Investment-Supported, on or after September 27, 2010
the Company or an Affiliate of the Company acceptable to Treasury shall (i) have received equity capital (“Matching Private Investment”) from one or more non-governmental investors (“Matching Private
Investors”) (A) in an amount equal to or greater than the Aggregate Dollar Amount of Matching Private Investment Required set forth on Annex A (net of all dividends paid with respect to, and all repurchases and redemptions of,
the Company’s equity securities), (B) that is subordinate in right of payment of dividends, liquidation preference and redemption rights to the Preferred Shares and (C) that is acceptable in form and substance to Treasury, in its sole
discretion and (ii) have satisfied the following requirements reasonably in advance of the Closing Date: (A) delivery of copies of the definitive documentation for the Matching Private Investment to Treasury, (B) delivery of the
organizational charts of such non-governmental investors to Treasury, each certified by the applicable non-governmental investor and demonstrating that such non-governmental investor is not an Affiliate of the Company, (C) delivery of any other
documents or information as Treasury may reasonably request, in its sole discretion and (D) any other terms and conditions imposed by Treasury or the Appropriate Federal Banking Agency, in their sole discretion. 

ARTICLE II 

REPRESENTATIONS AND WARRANTIES 

The Company represents and warrants to Treasury that as of the Signing Date and as of the Closing Date (or such other date specified herein):

 2.1 Organization, Authority and Significant Subsidiaries. The Company has been duly incorporated and is validly existing and in
good standing under the laws of its jurisdiction of organization, with the necessary power and authority to own, operate and lease its properties and conduct its business as it is being currently conducted, and except as has not, individually or in
the aggregate, had and would not reasonably be expected to have a Company Material Adverse Effect, has been duly qualified as a foreign corporation for the transaction of business and is in good standing under the laws of each other jurisdiction in
which it owns or leases properties or conducts any business so as to require such qualification; each subsidiary of the Company that would be considered a “significant subsidiary” within the meaning of Rule 1-02(w) of Regulation S-X under
the Securities Act of 1933 (the “Securities Act”), has been duly organized and is validly existing in good standing under the laws of its jurisdiction of organization. The Charter and bylaws of the Company, copies of which have been
provided to Treasury prior to the Signing Date, are true, complete and correct copies of such documents as in full force and effect as of the Signing Date and as of the Closing Date. 

2.2 Capitalization. The outstanding shares of capital stock of the Company have been duly authorized and are validly issued and
outstanding, fully paid and nonassessable, and subject to no preemptive or similar rights (and were not issued in violation of any preemptive rights). As of the Signing Date, the Company does not have outstanding any securities or other obligations
providing the holder the right to acquire its common stock (“Common Stock”) or other capital stock that is not reserved for issuance as specified in Part 2.2 of the Disclosure Schedule, and the Company has not made any other
commitment to authorize, issue or sell any Common Stock or other capital stock. Since the last day of the fiscal period covered by the last Call Report filed by 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 6

 
the Company or the IDI Subsidiary(ies) prior to the Application Date (the “Capitalization Date”), the Company has not (a) declared, and has no present intention of
declaring, any dividends on its Common Stock in a per-share amount greater than the per-share amount of declared dividends that are reflected in such Call Report; (b) declared, and has no present intention of declaring (except as contemplated
by the Certificate of Designation) any dividends on any of its preferred stock in a per-share amount greater than the per-share amount of declared dividends that are reflected in such Call Report; or (c) issued any shares of Common Stock or
other capital stock, other than (i) shares issued upon the exercise of stock options or delivered under other equity-based awards or other convertible securities or warrants which were issued and outstanding on the Capitalization Date and
disclosed in Part 2.2 of the Disclosure Schedule, (ii) shares disclosed in Part 2.2 of the Disclosure Schedule, and (iii) if the Company is Matching Private Investment-Supported, shares or other capital stock representing Matching Private
Investment disclosed in the “Matching Private Investment” section of Annex A. Except as disclosed in Part 2.2 of the Disclosure Schedule, the Company has no agreements providing for the accelerated exercise, settlement or exchange
of any capital stock of the Company for Common Stock. Each holder of 5% or more of any class of capital stock of the Company and such holder’s primary address are set forth in Part 2.2 of the Disclosure Schedule. The Company has received a
representation from each Matching Private Investor that such Matching Private Investor has not received or applied for any investment from the SBLF, and the Company has no reason to believe that any such representation is inaccurate. If the Company
is a Bank Holding Company or a Savings and Loan Holding Company, (x) the percentage of each IDI Subsidiary’s issued and outstanding capital stock that is owned by the Company is set forth on Part 2.2 of the Disclosure Schedule; and
(y) all shares of issued and outstanding capital stock of the IDI Subsidiary(ies) owned by the Company are free and clear of all liens, security interests, charges or encumbrances. Since the Application Date, there has been no change in the
organizational hierarchy information regarding the Company that was available on the Application Date from the National Information Center of the Federal Reserve System. 

2.3 Preferred Shares. The Preferred Shares have been duly and validly authorized, and, when issued and delivered pursuant to this
Agreement, such Preferred Shares will be duly and validly issued and fully paid and non-assessable, will not be issued in violation of any preemptive rights, and will rank pari passu with or senior to all other series or classes of preferred
stock, whether or not designated, issued or outstanding, with respect to the payment of dividends and the distribution of assets in the event of any dissolution, liquidation or winding up of the Company. 

2.4 Compliance With Identity Verification Requirements. The Company and the Company Subsidiaries (to the extent such regulations are
applicable to the Company Subsidiaries) are in compliance with the requirements of Section 1020.220 of title 31, Code of Federal Regulations. 

2.5 Authorization, Enforceability. 

(a) The Company has the corporate power and authority to execute and deliver this Agreement and to carry out its obligations hereunder (which
includes the issuance of the Preferred Shares). The execution, delivery and performance by the Company of this Agreement and the consummation of the transactions contemplated hereby have been duly 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 7

 
authorized by all necessary corporate action on the part of the Company and its stockholders, and no further approval or authorization is required on the part of the Company. This Agreement
is a valid and binding obligation of the Company enforceable against the Company in accordance with its terms, subject to any limitations of applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of
creditors’ rights generally and general equitable principles, regardless of whether such enforceability is considered in a proceeding at law or in equity (“Bankruptcy Exceptions”). 

(b) The execution, delivery and performance by the Company of this Agreement and the consummation of the transactions contemplated hereby and
compliance by the Company with the provisions hereof, will not (i) violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a default)
under, or result in the termination of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of, any lien, security interest, charge or encumbrance upon any of the properties or
assets of the Company or any subsidiary of the Company (each subsidiary, a “Company Subsidiary” and, collectively, the “Company Subsidiaries”) under any of the terms, conditions or provisions of (A) its
organizational documents or (B) any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any Company Subsidiary is a party or by which it or any Company Subsidiary
may be bound, or to which the Company or any Company Subsidiary or any of the properties or assets of the Company or any Company Subsidiary may be subject, or (ii) subject to compliance with the statutes and regulations referred to in the next
paragraph, violate any statute, rule or regulation or any judgment, ruling, order, writ, injunction or decree applicable to the Company or any Company Subsidiary or any of their respective properties or assets except, in the case of clauses (i)(B)
and (ii), for those occurrences that, individually or in the aggregate, have not had and would not reasonably be expected to have a Company Material Adverse Effect. 

(c) Other than the filing of the Certificate of Designation with the Secretary of State of its jurisdiction of organization or other
applicable Governmental Entity, such filings and approvals as are required to be made or obtained under any state “blue sky” laws and such as have been made or obtained, no notice to, filing with, exemption or review by, or authorization,
consent or approval of, any Governmental Entity is required to be made or obtained by the Company in connection with the consummation by the Company of the Purchase except for any such notices, filings, exemptions, reviews, authorizations, consents
and approvals the failure of which to make or obtain would not, individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect. 

2.6 Anti-takeover Provisions and Rights Plan. The Board of Directors of the Company (the “Board of Directors”) has
taken all necessary action to ensure that the transactions contemplated by this Agreement and the consummation of the transactions contemplated hereby will be exempt from any anti-takeover or similar provisions of the Company’s Charter and
bylaws, and any other provisions of any applicable “moratorium”, “control share”, “fair price”, “interested stockholder” or other anti-takeover laws and regulations of any jurisdiction. 

2.7 No Company Material Adverse Effect. Since the last day of the fiscal period covered by the last Call Report filed by the Company or
the IDI Subsidiary(ies) prior to the Application Date, no fact, circumstance, event, change, occurrence, condition or development has occurred that, individually or in the aggregate, has had or would reasonably be expected to have a Company Material
Adverse Effect. 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 8

 2.8 Company Financial Statements. The Company Financial Statements present fairly in all
material respects the consolidated financial position of the Company and its consolidated subsidiaries as of the dates indicated therein and the consolidated results of their operations for the periods specified therein; and except as stated
therein, such financial statements (a) were prepared in conformity with GAAP applied on a consistent basis (except as may be noted therein) and (b) have been prepared from, and are in accordance with, the books and records of the Company
and the Company Subsidiaries. 
 2.9 Reports. 

(a) Since December 31, 2007, the Company and each Company Subsidiary has filed all reports, registrations, documents, filings, statements
and submissions, together with any amendments thereto, that it was required to file with any Governmental Entity (the foregoing, collectively, the “Company Reports”) and has paid all fees and assessments due and payable in
connection therewith, except, in each case, as would not, individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect. As of their respective dates of filing, the Company Reports complied in all material
respects with all statutes and applicable rules and regulations of the applicable Governmental Entities. 
 (b) The records, systems,
controls, data and information of the Company and the Company Subsidiaries are recorded, stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the
exclusive ownership and direct control of the Company or the Company Subsidiaries or their accountants (including all means of access thereto and therefrom), except for any non-exclusive ownership and non-direct control that would not reasonably be
expected to have a material adverse effect on the system of internal accounting controls described below in this Section 2.9(b). The Company (i) has implemented and maintains adequate disclosure controls and procedures to ensure that
material information relating to the Company, including the consolidated Company Subsidiaries, is made known to the chief executive officer and the chief financial officer of the Company by others within those entities, and (ii) has disclosed,
based on its most recent evaluation prior to the Signing Date, to the Company’s outside auditors and the audit committee of the Board of Directors (A) any significant deficiencies and material weaknesses in the design or operation of
internal controls that are reasonably likely to adversely affect the Company’s ability to record, process, summarize and report financial information and (B) any fraud, whether or not material, that involves management or other employees
who have a significant role in the Company’s internal controls over financial reporting. 
 2.10 No Undisclosed Liabilities.
Neither the Company nor any of the Company Subsidiaries has any liabilities or obligations of any nature (absolute, accrued, contingent or otherwise) which are not properly reflected in the Company Financial Statements to the extent required to be
so reflected and, if applicable, reserved against in accordance with GAAP applied on a consistent basis, except for (a) liabilities that have arisen since the last fiscal year end in the ordinary and usual course of business and consistent with
past practice and (b) liabilities that, individually or in the aggregate, have not had and would not reasonably be expected to have a Company Material Adverse Effect. 

  

			
	 Annex C (General Terms and Conditions)
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 2.11 Offering of Securities. Neither the Company nor any person acting on its behalf has
taken any action (including any offering of any securities of the Company under circumstances which would require the integration of such offering with the offering of any of the Preferred Shares under the Securities Act, and the rules and
regulations of the Securities and Exchange Commission (the “SEC”) promulgated thereunder), which might subject the offering, issuance or sale of any of the Preferred Shares to Treasury pursuant to this Agreement to the registration
requirements of the Securities Act. 
 2.12 Litigation and Other Proceedings. Except as would not, individually or in the aggregate,
reasonably be expected to have a Company Material Adverse Effect, there is no (a) pending or, to the knowledge of the Company, threatened, claim, action, suit, investigation or proceeding, against the Company or any Company Subsidiary or to
which any of their assets are subject nor is the Company or any Company Subsidiary subject to any order, judgment or decree or (b) unresolved violation, criticism or exception by any Governmental Entity with respect to any report or relating to
any examinations or inspections of the Company or any Company Subsidiaries. There is no claim, action, suit, investigation or proceeding pending or, to the Company’s knowledge, threatened against any institution-affiliated party (as defined in
12 U.S.C. §1813(u)) of the Company or any of the IDI Subsidiaries that, if determined or resolved in a manner adverse to such institution-affiliated party, could result in such institution-affiliated party being prohibited from participation in
the conduct of the affairs of any financial institution or holding company of any financial institution and, to the Company’s knowledge, there are no facts or circumstances could reasonably be expected to provide a basis for any such claim,
action, suit, investigation or proceeding. 
 2.13 Compliance with Laws. Except as would not, individually or in the aggregate,
reasonably be expected to have a Company Material Adverse Effect, the Company and the Company Subsidiaries have all permits, licenses, franchises, authorizations, orders and approvals of, and have made all filings, applications and registrations
with, Governmental Entities that are required in order to permit them to own or lease their properties and assets and to carry on their business as presently conducted and that are material to the business of the Company or such Company Subsidiary.
Except as set forth in Part 2.13 of the Disclosure Schedule, the Company and the Company Subsidiaries have complied in all respects and are not in default or violation of, and none of them is, to the knowledge of the Company, under investigation
with respect to or, to the knowledge of the Company, have been threatened to be charged with or given notice of any violation of, any applicable domestic (federal, state or local) or foreign law, statute, ordinance, license, rule, regulation, policy
or guideline, order, demand, writ, injunction, decree or judgment of any Governmental Entity, other than such noncompliance, defaults or violations that would not, individually or in the aggregate, reasonably be expected to have a Company Material
Adverse Effect. Except for statutory or regulatory restrictions of general application, no Governmental Entity has placed any restriction on the business or properties of the Company or any Company Subsidiary that would, individually or in the
aggregate, reasonably be expected to have a Company Material Adverse Effect. 

  

			
	 Annex C (General Terms and Conditions)
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 2.14 Employee Benefit Matters. Except as would not reasonably be expected to have, either
individually or in the aggregate, a Company Material Adverse Effect: (a) each “employee benefit plan” (within the meaning of Section 3(3) of the Employee Retirement Income Security Act of 1974, as amended
(“ERISA”)) providing benefits to any current or former employee, officer or director of the Company or any member of its “Controlled Group” (defined as any organization which is a member of a controlled group of
corporations within the meaning of Section 414 of the Internal Revenue Code of 1986, as amended (the “Code”)) that is sponsored, maintained or contributed to by the Company or any member of its Controlled Group and for which
the Company or any member of its Controlled Group would have any liability, whether actual or contingent (each, a “Plan”) has been maintained in compliance with its terms and with the requirements of all applicable statutes, rules
and regulations, including ERISA and the Code; (b) with respect to each Plan subject to Title IV of ERISA (including, for purposes of this clause (b), any plan subject to Title IV of ERISA that the Company or any member of its Controlled Group
previously maintained or contributed to in the six years prior to the Signing Date), (1) no “reportable event” (within the meaning of Section 4043(c) of ERISA), other than a reportable event for which the notice period referred
to in Section 4043(c) of ERISA has been waived, has occurred in the three years prior to the Signing Date or is reasonably expected to occur, (2) no “accumulated funding deficiency” (within the meaning of Section 302 of
ERISA or Section 412 of the Code), whether or not waived, has occurred in the three years prior to the Signing Date or is reasonably expected to occur, (3) the fair market value of the assets under each Plan exceeds the present value of
all benefits accrued under such Plan (determined based on the assumptions used to fund such Plan) and (4) neither the Company nor any member of its Controlled Group has incurred in the six years prior to the Signing Date, or reasonably expects
to incur, any liability under Title IV of ERISA (other than contributions to the Plan or premiums to the Pension Benefit Guaranty Corporation in the ordinary course and without default) in respect of a Plan (including any Plan that is a
“multiemployer plan”, within the meaning of Section 4001(c)(3) of ERISA); and (c) each Plan that is intended to be qualified under Section 401(a) of the Code has received a favorable determination letter from the Internal
Revenue Service with respect to its qualified status that has not been revoked, or such a determination letter has been timely applied for but not received by the Signing Date, and nothing has occurred, whether by action or by failure to act, which
could reasonably be expected to cause the loss, revocation or denial of such qualified status or favorable determination letter. 
 2.15
Taxes. Except as would not, individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect, (a) the Company and the Company Subsidiaries have filed all federal, state, local and foreign income and
franchise Tax returns (together with any schedules and attached thereto) required to be filed through the Signing Date, subject to permitted extensions, and have paid all Taxes due thereon, (b) all such Tax returns (together with any schedules
and attached thereto) are true, complete and correct in all material respects and were prepared in compliance with all applicable laws and (c) no Tax deficiency has been determined adversely to the Company or any of the Company Subsidiaries,
nor does the Company have any knowledge of any Tax deficiencies. 
 2.16 Properties and Leases. Except as would not, individually or
in the aggregate, reasonably be expected to have a Company Material Adverse Effect, the Company and the Company Subsidiaries have good and marketable title to all real properties and all other properties and assets owned by them, in each case free
from liens (including, without limitation, 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 11

 
liens for Taxes), encumbrances, claims and defects that would affect the value thereof or interfere with the use made or to be made thereof by them. Except as would not, individually or in the
aggregate, reasonably be expected to have a Company Material Adverse Effect, the Company and the Company Subsidiaries hold all leased real or personal property under valid and enforceable leases with no exceptions that would interfere with the use
made or to be made thereof by them. 
 2.17 Environmental Liability. Except as would not, individually or in the aggregate,
reasonably be expected to have a Company Material Adverse Effect: 
 (a) there is no legal, administrative, or other proceeding, claim or
action of any nature seeking to impose, or that would reasonably be expected to result in the imposition of, on the Company or any Company Subsidiary, any liability relating to the release of hazardous substances as defined under any local, state or
federal environmental statute, regulation or ordinance, including the Comprehensive Environmental Response, Compensation and Liability Act of 1980, pending or, to the Company’s knowledge, threatened against the Company or any Company
Subsidiary; 
 (b) to the Company’s knowledge, there is no reasonable basis for any such proceeding, claim or action; and 

(c) neither the Company nor any Company Subsidiary is subject to any agreement, order, judgment or decree by or with any court, Governmental
Entity or third party imposing any such environmental liability. 
 2.18 Risk Management Instruments. Except as would not,
individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect, all derivative instruments, including, swaps, caps, floors and option agreements, whether entered into for the Company’s own account, or for the
account of one or more of the Company Subsidiaries or its or their customers, were entered into (i) only in the ordinary course of business, (ii) in accordance with prudent practices and in all material respects with all applicable laws,
rules, regulations and regulatory policies and (iii) with counterparties believed to be financially responsible at the time; and each of such instruments constitutes the valid and legally binding obligation of the Company or one of the Company
Subsidiaries, enforceable in accordance with its terms, except as may be limited by the Bankruptcy Exceptions. Neither the Company or the Company Subsidiaries, nor, to the knowledge of the Company, any other party thereto, is in breach of any of its
obligations under any such agreement or arrangement other than such breaches that would not, individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect. 

2.19 Agreements with Regulatory Agencies. Except as set forth in Part 2.19 of the Disclosure Schedule, neither the Company nor any
Company Subsidiary is subject to any cease-and-desist or other similar order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or
similar undertaking to, or is subject to any capital directive by, or since December 31, 2007, has adopted any board resolutions at the request of, any Governmental Entity that currently restricts the conduct of its business or that in any
material manner relates to its capital adequacy, its liquidity and funding policies and practices, its ability to pay dividends, 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 12

 
its credit, risk management or compliance policies or procedures, its internal controls, its management or its operations or business (each item in this sentence, a “Regulatory
Agreement”), nor has the Company or any Company Subsidiary been advised since December 31, 2007, by any such Governmental Entity that it is considering issuing, initiating, ordering, or requesting any such Regulatory Agreement.
The Company and each Company Subsidiary is in compliance with each Regulatory Agreement to which it is party or subject, and neither the Company nor any Company Subsidiary has received any notice from any Governmental Entity indicating that either
the Company or any Company Subsidiary is not in compliance with any such Regulatory Agreement. 
 2.20 Insurance. The Company and the
Company Subsidiaries are insured with reputable insurers against such risks and in such amounts as the management of the Company reasonably has determined to be prudent and consistent with industry practice. The Company and the Company Subsidiaries
are in material compliance with their insurance policies and are not in default under any of the material terms thereof, each such policy is outstanding and in full force and effect, all premiums and other payments due under any material policy have
been paid, and all claims thereunder have been filed in due and timely fashion, except, in each case, as would not, individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect. 

2.21 Intellectual Property. Except as would not, individually or in the aggregate, reasonably be expected to have a Company Material
Adverse Effect, (i) the Company and each Company Subsidiary owns or otherwise has the right to use, all intellectual property rights, including all trademarks, trade dress, trade names, service marks, domain names, patents, inventions, trade
secrets, know-how, works of authorship and copyrights therein, that are used in the conduct of their existing businesses and all rights relating to the plans, design and specifications of any of its branch facilities (“Proprietary
Rights”) free and clear of all liens and any claims of ownership by current or former employees, contractors, designers or others and (ii) neither the Company nor any of the Company Subsidiaries is materially infringing, diluting,
misappropriating or violating, nor has the Company or any of the Company Subsidiaries received any written (or, to the knowledge of the Company, oral) communications alleging that any of them has materially infringed, diluted, misappropriated or
violated, any of the Proprietary Rights owned by any other person. Except as would not, individually or in the aggregate, reasonably be expected to have a Company Material Adverse Effect, to the Company’s knowledge, no other person is
infringing, diluting, misappropriating or violating, nor has the Company or any or the Company Subsidiaries sent any written communications since December 31, 2007, alleging that any person has infringed, diluted, misappropriated or violated,
any of the Proprietary Rights owned by the Company and the Company Subsidiaries. 
 2.22 Brokers and Finders. Treasury has no
liability for any amounts that any broker, finder or investment banker is entitled to for any financial advisory, brokerage, finder’s or other fee or commission in connection with this Agreement or the transactions contemplated hereby based
upon arrangements made by or on behalf of the Company or any Company Subsidiary. 
 2.23 Disclosure Schedule. The Company has
delivered the Disclosure Schedule and, if applicable, the Disclosure Update to Treasury and the information contained in the Disclosure Schedule, as modified by the information contained in the Disclosure Update, if applicable, is true, complete and
correct. 

  

			
	 Annex C (General Terms and Conditions)
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 2.24 Previously Acquired Preferred Shares. If Treasury holds Previously Acquired Preferred
Shares: 
 (a) The Company has not breached any representation, warranty or covenant set forth in the Original Letter Agreement or any of
the other documents governing the Previously Acquired Preferred Stock. 
 (b) The Company has paid to Treasury: (i) if the
Previously Acquired Preferred Stock is cumulative, all accrued and unpaid dividends and/or interest then due on the Previously Acquired Preferred Stock; or (ii) if the Previously Acquired Preferred Stock is non-cumulative, all unpaid dividends
and/or interest due on the Previously Acquired Preferred Shares for the fiscal quarter prior to the Closing Date plus the accrued and unpaid dividends and/or interest due on the Previously Acquired Preferred Shares as of the Closing Date for
the fiscal quarter in which the Closing shall occur. 
 2.25 Related Party Transactions. Neither the Company nor any Company
Subsidiary has made any extension of credit to any director or Executive Officer of the Company or any Company Subsidiary, any holder of 5% or more of the Company’s issued and outstanding capital stock, or any of their respective spouses or
children or to any Affiliate of any of the foregoing (each, a “Related Party”), other than in compliance with 12 C.F.R Part 215 (Regulation O). Except as set forth in Part 2.25 of the Disclosure Schedule, to the Company’s
knowledge, no Related Party has any (i) material commercial, industrial, banking, consulting, legal, accounting, charitable or familial relationship with any vendor or material customer of the Company or any Company Subsidiary that is not on
arms-length terms, or (ii) direct or indirect ownership interest in any person or entity with which the Company or any Company Subsidiary has a material business relationship that is not on arms-length terms (not including Publicly-traded
entities in which such person owns less than two percent (2%) of the outstanding capital stock). 
 2.26 Ability to Pay
Dividends. The Company has all permits, licenses, franchises, authorizations, orders and approvals of, and has made all filings, applications and registrations with, Governmental Entities and third parties that are required in order to permit
the Company to declare and pay dividends on the Preferred Shares on the Dividend Payment Dates set forth in the Certificate of Designation. 

ARTICLE III 
 COVENANTS

 3.1 Affirmative Covenants. The Company hereby covenants and agrees with Treasury that: 

(a) Commercially Reasonable Efforts. Subject to the terms and conditions of this Agreement, each of the parties will use its
commercially reasonable efforts in good faith to take, or cause to be taken, all actions, and to do, or cause to be done, all things necessary, proper 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 14

 
or desirable, or advisable under applicable laws, so as to permit consummation of the Purchase as promptly as practicable and otherwise to enable consummation of the transactions contemplated
hereby and shall use commercially reasonable efforts to cooperate with the other party to that end. 
 (b) Certain Notifications Until
Closing. From the Signing Date until the Closing, the Company shall promptly notify Treasury of (i) any fact, event or circumstance of which it is aware and which would reasonably be expected to cause any representation or warranty of the
Company contained in this Agreement to be untrue or inaccurate in any material respect or to cause any covenant or agreement of the Company contained in this Agreement not to be complied with or satisfied in any material respect and (ii) except
as Previously Disclosed, any fact, circumstance, event, change, occurrence, condition or development of which the Company is aware and which, individually or in the aggregate, has had or would reasonably be expected to have a Company Material
Adverse Effect; provided, however, that delivery of any notice pursuant to this Section 3.1(b) shall not limit or affect any rights of or remedies available to Treasury. 

(c) Access, Information and Confidentiality. 

(i) From the Signing Date until the date on which all of the Preferred Shares have been redeemed in whole, the Company will permit, and shall
cause each of the Company’s Subsidiaries to permit, Treasury, the Oversight Officials and their respective agents, consultants, contractors and advisors to (x) examine any books, papers, records, Tax returns (including all schedules
attached thereto), data and other information; (y) make copies thereof; and (z) discuss the affairs, finances and accounts of the Company and the Company Subsidiaries with the personnel of the Company and the Company Subsidiaries, all upon
reasonable notice; provided, that: 
  

	 	(A)	any examinations and discussions pursuant to this Section 3.1(c)(i) shall be conducted during normal business hours and in such manner as not to interfere unreasonably with the conduct of the business of the
Company; 

  

	 	(B)	neither the Company nor any Company Subsidiary shall be required by this Section 3.1(c)(i) to disclose any information to the extent (x) prohibited by applicable law or regulation, or (y) that such
disclosure would reasonably be expected to cause a violation of any agreement to which the Company or any Company Subsidiary is a party or would cause a risk of a loss of privilege to the Company or any Company Subsidiary (provided that the
Company shall use commercially reasonable efforts to make appropriate substitute disclosure arrangements under circumstances where the restrictions in this clause (B) apply); 

 

	 	(C)	 the obligations of the Company and the Company Subsidiaries to disclose information pursuant to this Section 3.1(c)(i) to any Oversight Official
or any agent, consultant, contractor and 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 15

	 	
advisor thereof, such Oversight Official shall have agreed, with respect to documents obtained under this Section 3.1(c)(i), to follow applicable law and regulation (and the applicable
customary policies and procedures) regarding the dissemination of confidential materials, including redacting confidential information from the public version of its reports and soliciting input from the Company as to information that should be
afforded confidentiality, as appropriate; and 

  

	 	(D)	for avoidance of doubt, such examinations and discussions may, at Treasury’s option, be conducted on site at any office of the Company or any Company Subsidiary. 

(ii) From the Signing Date until the date on which all of the Preferred Shares have been redeemed in whole, the Company will deliver, or will
cause to be delivered, to Treasury: 
  

	 	(A)	as soon as available after the end of each fiscal year of the Company, and in any event within 90 days thereafter, a consolidated balance sheet of the Company as of the end of such fiscal year, and consolidated
statements of income, retained earnings and cash flows of the Company for such year, in each case prepared in accordance with GAAP applied on a consistent basis and setting forth in each case in comparative form the figures for the previous fiscal
year of the Company and which shall be audited to the extent audited financial statements are available;1 

  

	 	(B)	as soon as available after the end of the first, second and third quarterly periods in each fiscal year of the Company, a copy of any quarterly reports provided to other stockholders of the Company or Company management
by the Company; 

  

	 	(C)	as soon as available after the Company receives any assessment of the Company’s internal controls, a copy of such assessment (other than assessments provided by the Appropriate Federal Banking Agency or the
Appropriate State Banking Agency that the Company is prohibited by applicable law or regulation from disclosing to Treasury); 

  

	 	(D)	annually on a date specified by Treasury, a completed survey, in a form specified by Treasury, providing, among other things, a description of how the Company has utilized the funds the Company received hereunder in
connection with the sale of the Preferred Shares and the effects of such funds on the operations and status of the Company; 

  

 

	1 	 To the extent that the Company informed the Treasury on the Signing Date that it does not prepare financial statements in accordance with GAAP in the
ordinary course, the Treasury may consider other annual financial reporting packages acceptable to it in its sole discretion. 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 16

	 	(E)	as soon as such items become effective, any amendments to the Charter, bylaws or other organizational documents of the Company; and 

 

	 	(F)	at the same time as such items are sent to any stockholders of the Company, copies of any information or documents sent by the Company to its stockholders. 

(iii) Treasury will use reasonable best efforts to hold, and will use reasonable best efforts to cause its agents, consultants, contractors
and advisors and United States executive branch officials and employees, to hold, in confidence all non-public records, books, contracts, instruments, computer data and other data and information (collectively, “Information”)
concerning the Company furnished or made available to it by the Company or its representatives pursuant to this Agreement (except to the extent that such information can be shown to have been (A) previously known by such party on a
non-confidential basis, (B) in the public domain through no fault of such party or (C) later lawfully acquired from other sources by the party to which it was furnished (and without violation of any other confidentiality obligation));
provided that nothing herein shall prevent Treasury from disclosing any Information to the extent required by applicable laws or regulations or by any subpoena or similar legal process. Treasury understands that the Information may contain
commercially sensitive confidential information entitled to an exception from a Freedom of Information Act request. 
 (iv) Treasury’s
information rights pursuant to Section 3.1(c)(ii)(A), (B), (C), (E) and (F) and Treasury’s right to receive certifications from the Company pursuant to Section 3.1(d) may be assigned by Treasury to a transferee or assignee
of the Preferred Shares with a liquidation preference of no less than an amount equal to 2% of the initial aggregate liquidation preference of the Preferred Shares. 

(v) Nothing in this Section shall be construed to limit the authority that any Oversight Official or any other applicable regulatory
authority has under law. 
 (vi) The Company shall provide to Treasury all such information as Treasury may request from time to time for
the purpose of carrying out the study required by Section 4112 of the SBJA. 
 (d) Quarterly Supplemental Reports and Annual
Certifications. 
 (i) Concurrently with the submission of Call Reports by the Company or the IDI Subsidiary(ies) (as the case may be)
for each quarter ending after the Closing Date, the Company shall deliver to Treasury a certificate in substantially the form attached hereto as Annex H setting forth a complete and accurate statement of loans held by the Company in each
of the categories described therein, for the time periods specified therein, (A) including a signed certification of the Chief Executive Officer, the Chief Financial Officer and all directors or

  

			
	 Annex C (General Terms and Conditions)
	  	Page 17

 
trustees of the Company or the IDI Subsidiary(ies) who attested to the Call Report for the quarter covered by such certificate, that such certificate (x) has been prepared in conformance
with the instructions issued by Treasury and (y) is true and correct to the best of their knowledge and belief; (B) completed for such quarter (each, a “Quarterly Supplemental Report”). 

(ii) Within ninety (90) days after the end of each fiscal year of the Company during which the Initial Supplemental Report is submitted
pursuant to Section 1.3(j) or the first ten (10) Quarterly Supplemental Reports are submitted pursuant to Section 3.1(d)(i), the Company shall deliver to Treasury a certification from the Company’s independent auditors that the
Initial Supplemental Report and/or Quarterly Supplemental Reports during such fiscal year are complete and accurate with respect to accounting matters, including policies and procedures and controls over such. 

(iii) Until the date on which the Preferred Shares are redeemed pursuant to Section 5 of the Certificate of Designation, within ninety
(90) days after the end of each fiscal year of the Company, the Company shall deliver to Treasury a certificate in substantially the form attached hereto as Annex I, signed on behalf of the Company by an Executive Officer. 

(iv) If any Initial Supplemental Report or Quarterly Supplemental Report is inaccurate, Treasury shall be entitled to recover from the
Company, upon demand, the amount of any difference between (x) the amount of the dividend payment(s) actually made to Treasury based on such inaccurate report and (y) the correct amount of the dividend payment(s) that should have been
made, but for such inaccuracy. The Company shall provide Treasury with a written description of any such inaccuracy within three (3) business days after the Company’s discovery thereof. 

(v) Treasury shall have the right from time to time to modify Annex H, by posting an amended and restated version of Annex H on
Treasury’s web site, to conform Annex H to (A) reflect changes in GAAP, (B) reflect changes in the form or content of, or definitions used in, Call Reports, or (C) to make clarifications and/or technical corrections as
Treasury determines to be reasonably necessary. Notwithstanding anything herein to the contrary, upon posting by Treasury on its web site, Annex H shall be deemed to be amended and restated as so posted, without the need for any further act
on the part of any person or entity. If any such modification includes a change to the caption or number of any line item of Annex H, any reference herein to such line item shall thereafter be a reference to such re-captioned or re-numbered
line item. 
 (e) Bank and Thrift Holding Company Status. If the Company is a Bank Holding Company or a Savings and Loan Holding
Company on the Signing Date, then the Company shall maintain status as a Bank Holding Company or Savings and Loan Holding Company for as long as Treasury owns any Preferred Shares. The Company shall redeem all Preferred Shares held by Treasury prior
to terminating its status as a Bank Holding Company or Savings and Loan Holding Company. 
 (f) Predominantly Financial. For as long
as Treasury owns any Preferred Shares, the Company, to the extent it is not itself an insured depository institution, agrees to 

  

			
	 Annex C (General Terms and Conditions)
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remain predominantly engaged in financial activities. A company is predominantly engaged in financial activities if the annual gross revenues derived by the company and all subsidiaries of the
company (excluding revenues derived from subsidiary depository institutions), on a consolidated basis, from engaging in activities that are financial in nature or are incidental to a financial activity under subsection (k) of Section 4 of
the Bank Holding Company Act of 1956 (12 U.S.C. 1843(k)) represent at least 85 percent of the consolidated annual gross revenues of the company. 

(g) Capital Covenant. From the Signing Date until the date on which all of the Preferred Shares have been redeemed in whole, the
Company and the Company Subsidiaries shall maintain such capital as may be necessary to meet the minimum capital requirements of the Appropriate Federal Banking Agency, as in effect from time to time. 

(h) Reporting Requirements. Prior to the date on which all of the Preferred Shares have been redeemed in whole, the Company covenants
and agrees that, at all times on or after the Closing Date, (i) to the extent it is subject to the reporting requirements of Section 13 or 15(d) of the Exchange Act, it shall comply with the terms and conditions set forth in Annex E
or (ii) as soon as practicable after the date that the Company becomes subject to the reporting requirements of Section 13 or 15(d) of the Exchange Act, it shall comply with the terms and conditions set forth in Annex E. 

(i) Transfer of Proceeds to Depository Institutions. If the Company is a Bank Holding Company or a Savings and Loan Holding Company,
the Company shall immediately transfer to the IDI Subsidiaries, as equity capital contributions (in a manner that will cause such equity capital contributions to qualify for inclusion in the Tier 1 capital of the IDI Subsidiaries), not less than
ninety percent (90%) of the proceeds it receives in connection with the sale of Preferred Shares; provided, however, that: 

(A) no IDI Subsidiary shall receive any amount pursuant to this Section 3.1(i) in excess of (A) three percent
(3%) of the insured depository institution’s Total Risk-Weighted Assets as reported in its Call Report filed immediately prior to the Application Date, if the insured depository institution has Total Assets of more than $1,000,000,000 and
less than $10,000,000,000 as of December 31, 2009 or (B) five percent (5%) of the IDI Subsidiary’s Total Risk-Weighted Assets as reported in its Call Report filed immediately prior to the Application Date, if the IDI Subsidiary
has Total Assets of $1,000,000,000 or less as of December 31, 2009; and 
 (B) if Treasury held any Previously Acquired
Preferred Shares immediately prior to the Closing Date, the amount required to be transferred pursuant this Section 3.1(i) shall be ninety percent (90%) of the difference obtained by subtracting the Repayment Amount from the Purchase Price
(unless the Purchase Price is less than the Repayment Amount, in which case no amount shall be required to be transferred pursuant to this Section 3.1(i)). 

(j) Outreach to Minorities, Women and Veterans. The Company shall comply with Section 4103(d)(8) of the SBJA. 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 19

 (k) Certification Related to Sex Offender Registration and Notification Act. The Company
shall obtain from any business to which it makes a loan that is funded in whole or in part using funds from the Purchase Price a written certification that no principal of such business has been convicted of a sex offense against a minor (as such
terms are defined in section 111 of the Sex Offender Registration and Notification Act, 42 U.S.C. §16911). The Company shall retain all such certifications in accordance with standard recordkeeping practices established by the Appropriate
Federal Banking Agency. 
 3.2 Negative Covenants. The Company hereby covenants and agrees with Treasury that: 

(a) Certain Transactions. 

(i) The Company shall not merge or consolidate with, or sell, transfer or lease all or substantially all of its property or assets to, any
other party unless the successor, transferee or lessee party (or its ultimate parent entity), as the case may be (if not the Company), expressly assumes the due and punctual performance and observance of each and every covenant, agreement and
condition of this Agreement to be performed and observed by the Company. 
 (ii) Without the prior written consent of Treasury, until such
time as Treasury shall cease to own any Preferred Shares, the Company shall not permit any of its “significant subsidiaries” (as such term is defined in Rule 12b-2 promulgated under the Exchange Act) to (A) engage in any merger,
consolidation, statutory share exchange or similar transaction following the consummation of which such significant subsidiary is not wholly-owned by the Company, (B) dissolve or sell all or substantially all of its assets or property other
than in connection with an internal reorganization or consolidation involving wholly-owned subsidiaries of the Company or (C) issue or sell any shares of its capital stock or any securities convertible or exercisable for any such shares, other
than issuances or sales in connection with an internal reorganization or consolidation involving wholly-owned subsidiaries of the Company. 

(b) Restriction on Dividends and Repurchases. The Company covenants and agrees that it shall not violate any of the restrictions on
dividends, distributions, redemptions, repurchases, acquisitions and related actions set forth in the Certificate of Designation, which are incorporated by reference herein as if set forth in full. 

(c) Related Party Transactions. Until such time as Treasury ceases to own any debt or equity securities of the Company, including the
Preferred Shares, the Company and the Company Subsidiaries shall not enter into transactions with Affiliates or related persons (within the meaning of Item 404 under the SEC’s Regulation S-K) unless (A) such transactions are on terms
no less favorable to the Company and the Company Subsidiaries than could be obtained from an unaffiliated third party, and (B) have been approved by the audit committee of the Board of Directors or comparable body of independent directors of
the Company, or if there are no independent directors, the Board of Directors, provided that the Board of Directors shall maintain written documentation which supports its determination that the transaction meets the requirements of clause
(A) of this Section 3.2(c). 

  

			
	 Annex C (General Terms and Conditions)
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 ARTICLE IV 

ADDITIONAL AGREEMENTS 
 4.1
Purchase for Investment. Treasury acknowledges that the Preferred Shares have not been registered under the Securities Act or under any state securities laws. Treasury (a) is acquiring the Preferred Shares pursuant to an exemption from
registration under the Securities Act solely for investment with no present intention to distribute them to any person in violation of the Securities Act or any applicable U.S. state securities laws, (b) will not sell or otherwise dispose of
any of the Preferred Shares, except in compliance with the registration requirements or exemption provisions of the Securities Act and any applicable U.S. state securities laws, and (c) has such knowledge and experience in financial and
business matters and in investments of this type that it is capable of evaluating the merits and risks of the Purchase and of making an informed investment decision. 

4.2 Legends. (a) Treasury agrees that all certificates or other instruments representing the Preferred Shares will bear a legend
substantially to the following effect: 
 “THE SECURITIES REPRESENTED BY THIS INSTRUMENT ARE NOT SAVINGS ACCOUNTS, DEPOSITS OR OTHER
OBLIGATIONS OF A BANK AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY. 
 THE SECURITIES
REPRESENTED BY THIS INSTRUMENT HAVE NOT BEEN REGISTERED UNDER THE SECURITIES ACT OF 1933, AS AMENDED (THE “SECURITIES ACT”), OR THE SECURITIES LAWS OF ANY STATE AND MAY NOT BE TRANSFERRED, SOLD OR OTHERWISE DISPOSED OF EXCEPT WHILE A
REGISTRATION STATEMENT RELATING THERETO IS IN EFFECT UNDER SUCH ACT AND APPLICABLE STATE SECURITIES LAWS OR PURSUANT TO AN EXEMPTION FROM REGISTRATION UNDER SUCH ACT OR SUCH LAWS. EACH PURCHASER OF THE SECURITIES REPRESENTED BY THIS INSTRUMENT IS
NOTIFIED THAT THE SELLER MAY BE RELYING ON THE EXEMPTION FROM SECTION 5 OF THE SECURITIES ACT PROVIDED BY RULE 144A THEREUNDER (THE “144A EXEMPTION”). IF ANY TRANSFEREE OF THE SECURITIES REPRESENTED BY THIS INSTRUMENT IS ADVISED BY THE
TRANSFEROR THAT SUCH TRANSFEROR IS RELYING ON THE 144A EXEMPTION, SUCH TRANSFEREE BY ITS ACCEPTANCE HEREOF (1) REPRESENTS THAT IT IS A “QUALIFIED INSTITUTIONAL BUYER” (AS DEFINED IN RULE 144A UNDER THE SECURITIES ACT), (2) AGREES
THAT IT WILL NOT OFFER, SELL OR OTHERWISE TRANSFER THE SECURITIES REPRESENTED BY THIS INSTRUMENT EXCEPT (A) PURSUANT TO A REGISTRATION STATEMENT WHICH IS THEN EFFECTIVE UNDER THE SECURITIES ACT, (B) FOR SO LONG AS THE SECURITIES
REPRESENTED BY THIS INSTRUMENT ARE ELIGIBLE FOR RESALE PURSUANT TO RULE 144A, TO A PERSON IT REASONABLY BELIEVES IS A “QUALIFIED INSTITUTIONAL BUYER” AS DEFINED IN RULE 144A UNDER THE 

  

			
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SECURITIES ACT THAT PURCHASES FOR ITS OWN ACCOUNT OR FOR THE ACCOUNT OF A QUALIFIED INSTITUTIONAL BUYER TO WHOM NOTICE IS GIVEN THAT THE TRANSFER IS BEING MADE IN RELIANCE ON RULE 144A,
(C) TO THE ISSUER OR (D) PURSUANT TO ANY OTHER AVAILABLE EXEMPTION FROM THE REGISTRATION REQUIREMENTS OF THE SECURITIES ACT AND (3) AGREES THAT IT WILL GIVE TO EACH PERSON TO WHOM THE SECURITIES REPRESENTED BY THIS INSTRUMENT ARE
TRANSFERRED A NOTICE SUBSTANTIALLY TO THE EFFECT OF THIS LEGEND. 
 THIS INSTRUMENT IS ISSUED SUBJECT TO THE RESTRICTIONS ON TRANSFER AND
OTHER PROVISIONS OF A SECURITIES PURCHASE AGREEMENT BETWEEN THE ISSUER OF THESE SECURITIES AND TREASURY, A COPY OF WHICH IS ON FILE WITH THE ISSUER. THE SECURITIES REPRESENTED BY THIS INSTRUMENT MAY NOT BE SOLD OR OTHERWISE TRANSFERRED EXCEPT IN
COMPLIANCE WITH SAID AGREEMENT. ANY SALE OR OTHER TRANSFER NOT IN COMPLIANCE WITH SAID AGREEMENT WILL BE VOID.” 
 (b) In the event
that any Preferred Shares (i) become registered under the Securities Act or (ii) are eligible to be transferred without restriction in accordance with Rule 144 or another exemption from registration under the Securities Act (other than
Rule 144A), the Company shall issue new certificates or other instruments representing such Preferred Shares, which shall not contain the applicable legends in Section 4.2(a); provided that Treasury surrenders to the Company the
previously issued certificates or other instruments. 
 4.3 Transfer of Preferred Shares. Subject to compliance with applicable
securities laws, Treasury shall be permitted to transfer, sell, assign or otherwise dispose of (“Transfer”) all or a portion of the Preferred Shares at any time, and the Company shall take all steps as may be reasonably requested by
Treasury to facilitate the Transfer of the Preferred Shares, including without limitation, as set forth in Section 4.4, provided that Treasury shall not Transfer any Preferred Shares if such transfer would require the Company to be
subject to the periodic reporting requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934 (the “Exchange Act”) and the Company was not already subject to such requirements. In furtherance of the foregoing,
the Company shall provide reasonable cooperation to facilitate any Transfers of the Preferred Shares, including, as is reasonable under the circumstances, by furnishing such information concerning the Company and its business as a proposed
transferee may reasonably request and making management of the Company reasonably available to respond to questions of a proposed transferee in accordance with customary practice, subject in all cases to the proposed transferee agreeing to a
customary confidentiality agreement. 
 4.4 Rule 144; Rule 144A; 4(1 1⁄2) Transactions. (a) At all times after the Signing Date, the Company covenants that (1) it will, upon the request of Treasury or any subsequent holders of the Preferred Shares
(“Holders”), use its reasonable best efforts to (x), to the extent any Holder is relying on Rule 144 under the Securities Act to sell any of the Preferred Shares, make “current public information” available, as
provided in Section (c)(1) of Rule 144 (if the Company is a “Reporting Issuer” within the meaning of Rule 144) or in Section (c)(2) of Rule 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 22

 
144 (if the Company is a “Non-Reporting Issuer” within the meaning of Rule 144), in either case for such time period as necessary to permit sales pursuant to Rule 144, (y), to the
extent any Holder is relying on the so-called “Section 4(1 1⁄2)” exemption to sell any of its Preferred Shares, prepare and provide to such
Holder such information, including the preparation of private offering memoranda or circulars or financial information, as the Holder may reasonably request to enable the sale of the Preferred Shares pursuant to such exemption, or (z) to the
extent any Holder is relying on Rule 144A under the Securities Act to sell any of its Preferred Shares, prepare and provide to such Holder the information required pursuant to Rule 144A(d)(4), and (2) it will take such further action as any
Holder may reasonably request from time to time to enable such Holder to sell Preferred Shares without registration under the Securities Act within the limitations of the exemptions provided by (i) the provisions of the Securities Act or any
interpretations thereof or related thereto by the SEC, including transactions based on the so-called “Section 4(1 1⁄2)” and other similar
transactions, (ii) Rule 144 or 144A under the Securities Act, as such rules may be amended from time to time, or (iii) any similar rule or regulation hereafter adopted by the SEC; provided that the Company shall not be required to
take any action described in this Section 4.4(a) that would cause the Company to become subject to the reporting requirements of Section 13 or 15(d) of the Exchange Act if the Company was not subject to such requirements prior to taking
such action. Upon the request of any Holder, the Company will deliver to such Holder a written statement as to whether it has complied with such requirements and, if not, the specifics thereof. 

(b) The Company agrees to indemnify Treasury, Treasury’s officials, officers, employees, agents, representatives and Affiliates, and each
person, if any, that controls Treasury within the meaning of the Securities Act (each, an “Indemnitee”), against any and all losses, claims, damages, actions, liabilities, costs and expenses (including reasonable fees, expenses and
disbursements of attorneys and other professionals incurred in connection with investigating, defending, settling, compromising or paying any such losses, claims, damages, actions, liabilities, costs and expenses), joint or several, arising out of
or based upon any untrue statement or alleged untrue statement of material fact contained in any document or report provided by the Company pursuant to this Section 4.4 or any omission to state therein a material fact required to be stated
therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. 
 (c) If the
indemnification provided for in Section 4.4(b) is unavailable to an Indemnitee with respect to any losses, claims, damages, actions, liabilities, costs or expenses referred to therein or is insufficient to hold the Indemnitee harmless as
contemplated therein, then the Company, in lieu of indemnifying such Indemnitee, shall contribute to the amount paid or payable by such Indemnitee as a result of such losses, claims, damages, actions, liabilities, costs or expenses in such
proportion as is appropriate to reflect the relative fault of the Indemnitee, on the one hand, and the Company, on the other hand, in connection with the statements or omissions which resulted in such losses, claims, damages, actions, liabilities,
costs or expenses as well as any other relevant equitable considerations. The relative fault of the Company, on the one hand, and of the Indemnitee, on the other hand, shall be determined by reference to, among other factors, whether the untrue
statement of a material fact or omission to state a material fact relates to information supplied by the Company or by the Indemnitee and the parties’ relative intent, knowledge, access to information and opportunity to correct or prevent such
statement or omission; the Company and Treasury agree that it would not be just and 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 23

 
equitable if contribution pursuant to this Section 4.4(c) were determined by pro rata allocation or by any other method of allocation that does not take account of the equitable
considerations referred to in Section 4.4(b). No Indemnitee guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from the Company if the Company was not guilty
of such fraudulent misrepresentation. 
 4.5 Depositary Shares. Upon request by Treasury at any time following the Closing Date, the
Company shall promptly enter into a depositary arrangement, pursuant to customary agreements reasonably satisfactory to Treasury and with a depositary reasonably acceptable to Treasury, pursuant to which the Preferred Shares may be deposited and
depositary shares, each representing a fraction of a Preferred Share, as specified by Treasury, may be issued. From and after the execution of any such depositary arrangement, and the deposit of any Preferred Shares, as applicable, pursuant thereto,
the depositary shares issued pursuant thereto shall be deemed “Preferred Shares” and, as applicable, “Registrable Securities” for purposes of this Agreement. 

4.6 Expenses and Further Assurances. (a) Unless otherwise provided in this Agreement, each of the parties hereto will bear and pay
all costs and expenses incurred by it or on its behalf in connection with the transactions contemplated under this Agreement, including fees and expenses of its own financial or other consultants, investment bankers, accountants and counsel. 

(b) The Company shall, at the Company’s sole cost and expense, (i) furnish to Treasury all instruments, documents and other
agreements required to be furnished by the Company pursuant to the terms of this Agreement, including, without limitation, any documents required to be delivered pursuant to Section 4.4 above, or which are reasonably requested by Treasury in
connection therewith; (ii) execute and deliver to Treasury such documents, instruments, certificates, assignments and other writings, and do such other acts necessary or desirable, to evidence, preserve and/or protect the Preferred Shares
purchased by Treasury, as Treasury may reasonably require; and (iii) do and execute all and such further lawful and reasonable acts, conveyances and assurances for the better and more effective carrying out of the intents and purposes of this
Agreement, as Treasury shall reasonably require from time to time. 
 ARTICLE V 

MISCELLANEOUS 
 5.1
Termination. This Agreement shall terminate upon the earliest to occur of: 
 (a) termination at any time prior to the Closing: 

(i) by either Treasury or the Company if the Closing shall not have occurred on or before the 30th calendar day following the date on which
Treasury issued its preliminary approval of the Company’s application to participate in SBLF (the “Closing Deadline”); provided, however, that in the event the Closing has not occurred by the Closing Deadline, the
parties will consult in good faith to determine whether to extend the term of this Agreement, it being understood that the parties shall be required to consult only until the fifth calendar day after the Closing Deadline and not be under any
obligation to extend the term of 

  

			
	 Annex C (General Terms and Conditions)
	  	Page 24

 
this Agreement thereafter; provided, further, that the right to terminate this Agreement under this Section 5.1(a)(i) shall not be available to any party whose breach of any
representation or warranty or failure to perform any obligation under this Agreement shall have caused or resulted in the failure of the Closing to occur on or prior to such date; or 

(ii) by either Treasury or the Company in the event that any Governmental Entity shall have issued an order, decree or ruling or taken any
other action restraining, enjoining or otherwise prohibiting the transactions contemplated by this Agreement, and such order, decree, ruling or other action shall have become final and nonappealable; or 

(iii) by the mutual written consent of Treasury and the Company; or 

(b) the date on which all of the Preferred Shares have been redeemed in whole; or 

(c) the date on which Treasury has transferred all of the Preferred Shares to third parties which are not Affiliates of Treasury. 

In the event of termination of this Agreement as provided in this Section 5.1, this Agreement shall forthwith become void and there shall
be no liability on the part of either party hereto except that nothing herein shall relieve either party from liability for any breach of this Agreement. 

5.2 Survival. 
 (a) This
Agreement and all representations, warranties, covenants and agreements made herein shall survive the Closing without limitation. 
 (b) The
covenants set forth in Article III and Annex E and the agreements set forth in Article IV shall, to the extent such covenants do not explicitly terminate at such time as Treasury no longer owns any Preferred Shares, survive the termination of
this Agreement pursuant to Section 5.1(c) without limitation until the date on which all of the Preferred Shares have been redeemed in whole. 

(c) The rights and remedies of Treasury with respect to the representations, warranties, covenants and obligations of the Company herein shall
not be affected by any investigation conducted with respect to, or any knowledge acquired (or capable of being acquired) at any time by Treasury or any of its personnel or agents with respect to the accuracy or inaccuracy of, or compliance with, any
such representation, warranty, covenant or obligation. 
 5.3 Amendment. No amendment of any provision of this Agreement will be
effective unless made in writing and signed by an officer or a duly authorized representative of each party, except as set forth in Section 3.1(d)(v). No failure or delay by any party in exercising any right, power or privilege hereunder shall
operate as a waiver thereof nor shall any single or partial exercise thereof preclude any other or further exercise of any other right, power or privilege. The rights and remedies herein provided shall be cumulative of any rights or remedies
provided by law. 

  

			
	 Annex C (General Terms and Conditions)
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 5.4 Waiver of Conditions. The conditions to each party’s obligation to consummate the
Purchase are for the sole benefit of such party and may be waived by such party in whole or in part to the extent permitted by applicable law. No waiver will be effective unless it is in a writing signed by a duly authorized officer of the waiving
party that makes express reference to the provision or provisions subject to such waiver. 
 5.5 Governing Law; Submission to
Jurisdiction, etc. This Agreement and any claim, controversy or dispute arising under or related to this Agreement, the relationship of the parties, and/or the interpretation and enforcement of the rights and duties of the parties shall be
enforced, governed, and construed in all respects (whether in contract or in tort) in accordance with the federal law of the United States if and to the extent such law is applicable, and otherwise in accordance with the laws of the State of New
York applicable to contracts made and to be performed entirely within such State. Each of the parties hereto agrees (a) to submit to the exclusive jurisdiction and venue of the United States District Court for the District of Columbia and the
United States Court of Federal Claims for any and all civil actions, suits or proceedings arising out of or relating to this Agreement or the Purchase contemplated hereby and (b) that notice may be served upon (i) the Company at the
address and in the manner set forth for notices to the Company in Section 5.7 and (ii) Treasury at the address and in the manner set forth for notices to the Company in Section 5.7, but otherwise in accordance with federal law. TO THE
EXTENT PERMITTED BY APPLICABLE LAW, EACH OF THE PARTIES HERETO HEREBY UNCONDITIONALLY WAIVES TRIAL BY JURY IN ANY CIVIL LEGAL ACTION OR PROCEEDING RELATING TO THIS AGREEMENT OR THE PURCHASE CONTEMPLATED HEREBY. 

5.6 No Relationship to TARP. The parties acknowledge and agree that (i) the SBLF program is separate and distinct from the
Troubled Asset Relief Program established by the Emergency Economic Stabilization Act of 2008; and (ii) the Company shall not, by virtue of the investment contemplated hereby, be considered a recipient under the Troubled Asset Relief Program.

 5.7 Notices. Any notice, request, instruction or other document to be given hereunder by any party to the other will be in writing
and will be deemed to have been duly given (a) on the date of delivery if delivered personally, or by facsimile, upon confirmation of receipt, or (b) on the second business day following the date of dispatch if delivered by a recognized
next day courier service. All notices to the Company shall be delivered as set forth on the cover page of this Agreement, or pursuant to such other instruction as may be designated in writing by the Company to Treasury. All notices to Treasury shall
be delivered as set forth below, or pursuant to such other instructions as may be designated in writing by Treasury to the Company. 
 If to
Treasury: 
 The Secretary of the Treasury 

1500 Pennsylvania Avenue, NW 

Washington, D.C. 20220 

Attention: Small Business Lending Fund, Office of Domestic Finance 

E-mail: SBLFComplSubmissions@treasury.gov 

  

			
	 Annex C (General Terms and Conditions)
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 5.8 Assignment. Neither this Agreement nor any right, remedy, obligation nor liability
arising hereunder or by reason hereof shall be assignable by any party hereto without the prior written consent of the other party, and any attempt to assign any right, remedy, obligation or liability hereunder without such consent shall be void,
except (a) an assignment, in the case of a merger, consolidation, statutory share exchange or similar transaction that requires the approval of the Company’s stockholders (a “Business Combination”) where such party is not
the surviving entity, or a sale of substantially all of its assets, to the entity which is the survivor of such Business Combination or the purchaser in such sale, (b) an assignment of certain rights as provided in Sections 3.1(c) or Annex
E or (c) an assignment by Treasury of this Agreement to an Affiliate of Treasury; provided that if Treasury assigns this Agreement to an Affiliate, Treasury shall be relieved of its obligations under this Agreement but (i) all
rights, remedies and obligations of Treasury hereunder shall continue and be enforceable by such Affiliate, (ii) the Company’s obligations and liabilities hereunder shall continue to be outstanding and (iii) all references to Treasury
herein shall be deemed to be references to such Affiliate. 
 5.9 Severability. If any provision of this Agreement, or the
application thereof to any person or circumstance, is determined by a court of competent jurisdiction to be invalid, void or unenforceable, the remaining provisions hereof, or the application of such provision to persons or circumstances other than
those as to which it has been held invalid or unenforceable, will remain in full force and effect and shall in no way be affected, impaired or invalidated thereby, so long as the economic or legal substance of the transactions contemplated hereby is
not affected in any manner materially adverse to any party. Upon such determination, the parties shall negotiate in good faith in an effort to agree upon a suitable and equitable substitute provision to effect the original intent of the parties.

 5.10 No Third Party Beneficiaries. Other than as expressly provided herein, nothing contained in this Agreement, expressed or
implied, is intended to confer upon any person or entity other than the Company and Treasury (and any Indemnitee) any benefit, right or remedies. 

5.11 Specific Performance. The parties agree that irreparable damage would occur in the event that any of the provisions of this
Agreement were not performed in accordance with their specific terms. It is accordingly agreed that the parties shall be entitled (without the necessity of posting a bond) to specific performance of the terms hereof, this being in addition to any
other remedies to which they are entitled at law or equity. 
 5.12 Interpretation. When a reference is made in this Agreement to
“Articles” or “Sections” such reference shall be to an Article or Section of the Annex of this Agreement in which such reference is contained, unless otherwise indicated. When a reference is made in this Agreement to an
“Annex”, such reference shall be to an Annex to this Agreement, unless otherwise indicated. The terms defined in the singular have a comparable meaning when used in the plural, and vice versa. References to “herein”,
“hereof”, “hereunder” and the like refer to this Agreement as a whole and not to any particular section or provision, unless the context requires otherwise. The table of contents and headings contained in this Agreement are for
reference purposes only and are not part of this Agreement. Whenever the words “include”, “includes” or “including” are used in this Agreement, they shall be deemed to be followed by the words

  

			
	 Annex C (General Terms and Conditions)
	  	Page 27

 
“without limitation”. No rule of construction against the draftsperson shall be applied in connection with the interpretation or enforcement of this Agreement, as this Agreement is
entered into between sophisticated parties advised by counsel. All references to “$” or “dollars” mean the lawful currency of the United States of America. Except as expressly stated in this Agreement, all
references to any statute, rule or regulation are to the statute, rule or regulation as amended, modified, supplemented or replaced from time to time (and, in the case of statutes, include any rules and regulations promulgated under the statute) and
to any section of any statute, rule or regulation include any successor to the section. References to a “business day” shall mean any day except Saturday, Sunday and any day on which banking institutions in the State of New York or
the District of Columbia generally are authorized or required by law or other governmental actions to close. 

  

			
	 Annex C (General Terms and Conditions)
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 ANNEX D 

DISCLOSURE SCHEDULE 
 Part 2.2
Capitalization 
  

			
		
	Capital stock reserved for issuance in connection with securities or obligations giving the holder thereof the right to acquire such capital:	  	475,000 shares of common stock reserved for options issued or to be issued under the Company’s 2007 Stock Option Plan
		
	Shares issued since the Capitalization Date upon exercise of options or pursuant to equity-based awards, warrants, or convertible securities:	  	-0-
		
	All other shares issued since the Capitalization Date:	  	-0-
		
	Holders of 5% or more of any class of capital stock	  	Primary Address
		
	 Endicott Opportunity Partners II, LP

(9.83%)
	  	 The Endicott Group
 360 Madison Avenue

21st Floor

New York, NY 10017

		
	 Goldman Sachs Investment Partners Master Fund, L.P.

(9.83%)
	  	 Goldman Sachs Investment Partners
 200 West
Street
 New York, NY 10282

		
	 Keefe Bruyette & Woods and related persons
  

(9.25%)
	  	 Keefe Bruyette & Woods
 787 Seventh
Avenue
 Fourth Floor
 New York, NY
10019

  

			
	 Annex D (Disclosure Schedule)
	  	Page 1

			
	
	If the Company is a Bank Holding Company or Savings and Loan Holding Company, complete the following (leave blank otherwise):
		
	Name of IDI Subsidiary	  	Percentage of IDI Subsidiary’s capital stock owned by the Company
		
	Avenue Bank	  	100%

  

			
	 Annex D (Disclosure Schedule)
	  	Page 2

 Part 2.7 Material Adverse Effect 

List any exceptions to the representation and warranty in Section 2.7 of the General Terms and Conditions. If none, please so indicate by checking the
box: x. 

  

			
	 Annex D (Disclosure Schedule)
	  	Page 3

 Part 2.13 Compliance With Laws 

List any exceptions to the representation and warranty in the second sentence of Section 2.13 of the General Terms and Conditions. If none, please so
indicate by checking the box: x. 

  

			
	 Annex D (Disclosure Schedule)
	  	Page 4

 Part 2.19 Regulatory Agreements 

List any exceptions to the representation and warranty in Section 2.19 of the General Terms and Conditions. If none, please so indicate by checking the
box: x.  

  

			
	 Annex D (Disclosure Schedule)
	  	Page 5

 Part 2.25 Related Party Transactions 

List any exceptions to the representation and warranty in Section 2.25 of the General Terms and Conditions. If none, please so indicate by checking the
box: x. 

  

			
	 Annex D (Disclosure Schedule)
	  	Page 6

 ANNEX E 

REGISTRATION RIGHTS 
 1.
Definitions. Terms not defined in this Annex shall have the meaning ascribed to such terms in the Agreement. As used in this Annex E, the following terms shall have the following respective meanings: 

(a) “Holder” means Treasury and any other holder of Registrable Securities to whom the registration rights conferred by this
Agreement have been transferred in compliance with Section 9 of this Annex E. 
 (b) “Holders’ Counsel”
means one counsel for the selling Holders chosen by Holders holding a majority interest in the Registrable Securities being registered. 

(c) “Pending Underwritten Offering” means, with respect to any Holder forfeiting its rights pursuant to Section 11 of
this Annex E, any underwritten offering of Registrable Securities in which such Holder has advised the Company of its intent to register its Registrable Securities either pursuant to Section 2(b) or 2(d) of this Annex E prior to
the date of such Holder’s forfeiture. 
 (d) “Register”, “registered”, and
“registration” shall refer to a registration effected by preparing and (A) filing a registration statement or amendment thereto in compliance with the Securities Act and applicable rules and regulations thereunder, and the
declaration or ordering of effectiveness of such registration statement or amendment thereto or (B) filing a prospectus and/or prospectus supplement in respect of an appropriate effective registration statement on Form S-3. 

(e) “Registrable Securities” means (A) all Preferred Shares and (B) any equity securities issued or issuable
directly or indirectly with respect to the securities referred to in the foregoing clause (A) by way of conversion, exercise or exchange thereof, or share dividend or share split or in connection with a combination of shares, recapitalization,
reclassification, merger, amalgamation, arrangement, consolidation or other reorganization, provided that, once issued, such securities will not be Registrable Securities when (1) they are sold pursuant to an effective registration
statement under the Securities Act, (2) they shall have ceased to be outstanding or (3) they have been sold in any transaction in which the transferor’s rights under this Agreement are not assigned to the transferee of the securities.
No Registrable Securities may be registered under more than one registration statement at any one time. 
 (f) “Registration
Expenses” mean all expenses incurred by the Company in effecting any registration pursuant to this Agreement (whether or not any registration or prospectus becomes effective or final) or otherwise complying with its obligations under this
Annex E, including all registration, filing and listing fees, printing expenses, fees and disbursements of counsel for the Company, blue sky fees and expenses, expenses incurred in connection with any “road show”, the reasonable
fees and disbursements of Holders’ Counsel, and expenses of the Company’s independent accountants in connection with any regular or special reviews or audits incident to or required by any such registration, but shall not include Selling
Expenses. 

  

			
	 Annex E (Registration Rights)
	  	Page 1

 (g) “Rule 144”, “Rule 144A”, “Rule 159A”,
“Rule 405” and “Rule 415” mean, in each case, such rule promulgated under the Securities Act (or any successor provision), as the same shall be amended from time to time. 

(h) “Selling Expenses” mean all discounts, selling commissions and stock transfer taxes applicable to the sale of Registrable
Securities and fees and disbursements of counsel for any Holder (other than the fees and disbursements of Holders’ Counsel included in Registration Expenses). 

(i) “Special Registration” means the registration of (A) equity securities and/or options or other rights in respect
thereof solely registered on Form S-4 or Form S-8 (or successor form) or (B) shares of equity securities and/or options or other rights in respect thereof to be offered to directors, members of management, employees, consultants, customers,
lenders or vendors of the Company or Company Subsidiaries or in connection with dividend reinvestment plans. 
 2. Registration. 

(a) The Company covenants and agrees that as promptly as practicable after the date that the Company becomes subject to the reporting
requirements of Section 13 or 15(d) of the Exchange Act (and in any event no later than 30 days thereafter), the Company shall prepare and file with the SEC a Shelf Registration Statement covering all Registrable Securities (or otherwise
designate an existing shelf registration on an appropriate form under Rule 415 under the Securities Act (a “Shelf Registration Statement”) filed with the SEC to cover the Registrable Securities), and, to the extent the Shelf
Registration Statement has not theretofore been declared effective or is not automatically effective upon such filing, the Company shall use reasonable best efforts to cause such Shelf Registration Statement to be declared or become effective and to
keep such Shelf Registration Statement continuously effective and in compliance with the Securities Act and usable for resale of such Registrable Securities for a period from the date of its initial effectiveness until such time as there are no
Registrable Securities remaining (including by refiling such Shelf Registration Statement (or a new Shelf Registration Statement) if the initial Shelf Registration Statement expires). Notwithstanding the foregoing, if the Company is not eligible to
file a registration statement on Form S-3, then the Company shall not be obligated to file a Shelf Registration Statement unless and until requested to do so in writing by Treasury. 

(b) Any registration pursuant to Section 2(a) of this Annex E shall be effected by means of a Shelf Registration Statement on an
appropriate form under Rule 415 under the Securities Act (a “Shelf Registration Statement”). If any Holder intends to distribute any Registrable Securities by means of an underwritten offering it shall promptly so advise the Company
and the Company shall take all reasonable steps to facilitate such distribution, including the actions required pursuant to Section 2(d) of this Annex E; provided that the Company shall not be required to facilitate an
underwritten offering of Registrable Securities unless (i) the expected gross proceeds from such offering exceed $200,000 or (ii) such underwritten offering includes all of the outstanding Registrable Securities held by such Holder. The
lead underwriters in any such distribution shall be selected by the Holders of a majority of the Registrable Securities to be distributed. 

  

			
	 Annex E (Registration Rights)
	  	Page 2

 (c) The Company shall not be required to effect a registration (including a resale of Registrable
Securities from an effective Shelf Registration Statement) or an underwritten offering pursuant to Section 2 of this Annex E: (A) with respect to securities that are not Registrable Securities; or (B) if the Company has
notified all Holders that in the good faith judgment of the Board of Directors, it would be materially detrimental to the Company or its security holders for such registration or underwritten offering to be effected at such time, in which event the
Company shall have the right to defer such registration for a period of not more than 45 days after receipt of the request of any Holder; provided that such right to delay a registration or underwritten offering shall be exercised by the
Company (1) only if the Company has generally exercised (or is concurrently exercising) similar black-out rights against holders of similar securities that have registration rights and (2) not more than three times in any 12-month period
and not more than 90 days in the aggregate in any 12-month period. 
 (d) If during any period when an effective Shelf Registration
Statement is not available, the Company proposes to register any of its equity securities, other than a registration pursuant to Section 2(a) of this Annex E or a Special Registration, and the registration form to be filed may be used
for the registration or qualification for distribution of Registrable Securities, the Company will give prompt written notice to all Holders of its intention to effect such a registration (but in no event less than ten days prior to the anticipated
filing date) and will include in such registration all Registrable Securities with respect to which the Company has received written requests for inclusion therein within ten business days after the date of the Company’s notice (a
“Piggyback Registration”). Any such person that has made such a written request may withdraw its Registrable Securities from such Piggyback Registration by giving written notice to the Company and the managing underwriter, if any, on or
before the fifth business day prior to the planned effective date of such Piggyback Registration. The Company may terminate or withdraw any registration under this Section 2(d) of this Annex E prior to the effectiveness of such
registration, whether or not any Holders have elected to include Registrable Securities in such registration. 
 (e) If the registration
referred to in Section 2(d) of this Annex E is proposed to be underwritten, the Company will so advise all Holders as a part of the written notice given pursuant to Section 2(d) of this Annex E. In such event, the right of
all Holders to registration pursuant to Section 2 of this Annex E will be conditioned upon such persons’ participation in such underwriting and the inclusion of such person’s Registrable Securities in the underwriting if such
securities are of the same class of securities as the securities to be offered in the underwritten offering, and each such person will (together with the Company and the other persons distributing their securities through such underwriting) enter
into an underwriting agreement in customary form with the underwriter or underwriters selected for such underwriting by the Company; provided that Treasury (as opposed to other Holders) shall not be required to indemnify any person in
connection with any registration. If any participating person disapproves of the terms of the underwriting, such person may elect to withdraw therefrom by written notice to the Company, the managing underwriters and Treasury (if Treasury is
participating in the underwriting). 

  

			
	 Annex E (Registration Rights)
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 (f) If either (x) the Company grants “piggyback” registration rights to one or
more third parties to include their securities in an underwritten offering under the Shelf Registration Statement pursuant to Section 2(b) of this Annex E or (y) a Piggyback Registration under Section 2(d) of this Annex
E relates to an underwritten offering on behalf of the Company, and in either case the managing underwriters advise the Company that in their reasonable opinion the number of securities requested to be included in such offering exceeds the
number which can be sold without adversely affecting the marketability of such offering (including an adverse effect on the per share offering price), the Company will include in such offering only such number of securities that in the reasonable
opinion of such managing underwriters can be sold without adversely affecting the marketability of the offering (including an adverse effect on the per share offering price), which securities will be so included in the following order of priority:
(A) first, in the case of a Piggyback Registration under Section 2(d) of this Annex E, the securities the Company proposes to sell, (B) then the Registrable Securities of all Holders who have requested inclusion of Registrable
Securities pursuant to Section 2(b) or Section 2(d) of this Annex E, as applicable, pro rata on the basis of the aggregate number of such securities or shares owned by each such Holder and (C) lastly, any other
securities of the Company that have been requested to be so included, subject to the terms of this Agreement; provided, however, that if the Company has, prior to the Signing Date, entered into an agreement with respect to its
securities that is inconsistent with the order of priority contemplated hereby then it shall apply the order of priority in such conflicting agreement to the extent that it would otherwise result in a breach under such agreement. 

3. Expenses of Registration. All Registration Expenses incurred in connection with any registration, qualification or compliance
hereunder shall be borne by the Company. All Selling Expenses incurred in connection with any registrations hereunder shall be borne by the holders of the securities so registered pro rata on the basis of the aggregate offering or sale price
of the securities so registered. 
 4. Obligations of the Company. Whenever required to effect the registration of any Registrable
Securities or facilitate the distribution of Registrable Securities pursuant to an effective Shelf Registration Statement, the Company shall, as expeditiously as reasonably practicable: 

(a) Prepare and file with the SEC a prospectus supplement or post-effective amendment with respect to a proposed offering of Registrable
Securities pursuant to an effective registration statement, subject to Section 4 of this Annex E, keep such registration statement effective and keep such prospectus supplement current until the securities described therein are no longer
Registrable Securities. 
 (b) Prepare and file with the SEC such amendments and supplements to the applicable registration statement and
the prospectus or prospectus supplement used in connection with such registration statement as may be necessary to comply with the provisions of the Securities Act with respect to the disposition of all securities covered by such registration
statement. 
 (c) Furnish to the Holders and any underwriters such number of copies of the applicable registration statement and each such
amendment and supplement thereto (including in 

  

			
	 Annex E (Registration Rights)
	  	Page 4

 
each case all exhibits) and of a prospectus, including a preliminary prospectus, in conformity with the requirements of the Securities Act, and such other documents as they may reasonably request
in order to facilitate the disposition of Registrable Securities owned or to be distributed by them. 
 (d) Use its reasonable best efforts
to register and qualify the securities covered by such registration statement under such other securities or Blue Sky laws of such jurisdictions as shall be reasonably requested by the Holders or any managing underwriter(s), to keep such
registration or qualification in effect for so long as such registration statement remains in effect, and to take any other action which may be reasonably necessary to enable such seller to consummate the disposition in such jurisdictions of the
securities owned by such Holder; provided that the Company shall not be required in connection therewith or as a condition thereto to qualify to do business or to file a general consent to service of process in any such states or
jurisdictions. 
 (e) Notify each Holder of Registrable Securities at any time when a prospectus relating thereto is required to be
delivered under the Securities Act of the happening of any event as a result of which the applicable prospectus, as then in effect, includes an untrue statement of a material fact or omits to state a material fact required to be stated therein or
necessary to make the statements therein not misleading in light of the circumstances then existing. 
 (f) Give written notice to the
Holders: 
 (i) when any registration statement or any amendment thereto has been filed with the SEC (except for any amendment effected by
the filing of a document with the SEC pursuant to the Exchange Act) and when such registration statement or any post-effective amendment thereto has become effective; 

(ii) of any request by the SEC for amendments or supplements to any registration statement or the prospectus included therein or for
additional information; 
 (iii) of the issuance by the SEC of any stop order suspending the effectiveness of any registration statement or
the initiation of any proceedings for that purpose; 
 (iv) of the receipt by the Company or its legal counsel of any notification with
respect to the suspension of the qualification of the applicable Registrable Securities for sale in any jurisdiction or the initiation or threatening of any proceeding for such purpose; 

(v) of the happening of any event that requires the Company to make changes in any effective registration statement or the prospectus related
to the registration statement in order to make the statements therein not misleading (which notice shall be accompanied by an instruction to suspend the use of the prospectus until the requisite changes have been made); and 

(vi) if at any time the representations and warranties of the Company contained in any underwriting agreement contemplated by
Section 4(j) of this Annex E cease to be true and correct. 

  

			
	 Annex E (Registration Rights)
	  	Page 5

 (g) Use its reasonable best efforts to prevent the issuance or obtain the withdrawal of any order
suspending the effectiveness of any registration statement referred to in Section 4(f)(iii) of this Annex E at the earliest practicable time. 

(h) Upon the occurrence of any event contemplated by Section 4(e) or 4(f)(v) of this Annex E, promptly prepare a post-effective
amendment to such registration statement or a supplement to the related prospectus or file any other required document so that, as thereafter delivered to the Holders and any underwriters, the prospectus will not contain an untrue statement of a
material fact or omit to state any material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. If the Company notifies the Holders in accordance with Section 4(f)(v) to
suspend the use of the prospectus until the requisite changes to the prospectus have been made, then the Holders and any underwriters shall suspend use of such prospectus and use their reasonable best efforts to return to the Company all copies of
such prospectus (at the Company’s expense) other than permanent file copies then in such Holders’ or underwriters’ possession. The total number of days that any such suspension may be in effect in any 12-month period shall not exceed
90 days. 
 (i) Use reasonable best efforts to procure the cooperation of the Company’s transfer agent in settling any offering or sale
of Registrable Securities, including with respect to the transfer of physical stock certificates into book-entry form in accordance with any procedures reasonably requested by the Holders or any managing underwriter(s). 

(j) If an underwritten offering is requested pursuant to Section 2(b) of this Annex E, enter into an underwriting agreement in
customary form, scope and substance and take all such other actions reasonably requested by the Holders of a majority of the Registrable Securities being sold in connection therewith or by the managing underwriter(s), if any, to expedite or
facilitate the underwritten disposition of such Registrable Securities, and in connection therewith in any underwritten offering (including making members of management and executives of the Company available to participate in “road
shows”, similar sales events and other marketing activities), (A) make such representations and warranties to the Holders that are selling stockholders and the managing underwriter(s), if any, with respect to the business of the Company
and its subsidiaries, and the Shelf Registration Statement, prospectus and documents, if any, incorporated or deemed to be incorporated by reference therein, in each case, in customary form, substance and scope, and, if true, confirm the same if and
when requested, (B) use its reasonable best efforts to furnish the underwriters with opinions of counsel to the Company, addressed to the managing underwriter(s), if any, covering the matters customarily covered in such opinions requested in
underwritten offerings, (C) use its reasonable best efforts to obtain “cold comfort” letters from the independent certified public accountants of the Company (and, if necessary, any other independent certified public accountants of
any business acquired by the Company for which financial statements and financial data are included in the Shelf Registration Statement) who have certified the financial statements included in such Shelf Registration Statement, addressed to each of
the managing underwriter(s), if any, such letters to be in customary form and covering matters of the type customarily covered in “cold comfort” letters, (D) if an underwriting agreement is entered into, the same shall contain
indemnification provisions and procedures customary in underwritten offerings (provided that Treasury shall not be obligated to provide any indemnity), and (E) deliver such documents and certificates as may be reasonably requested by the
Holders of a majority of the Registrable Securities being sold in 

  

			
	 Annex E (Registration Rights)
	  	Page 6

 
connection therewith, their counsel and the managing underwriter(s), if any, to evidence the continued validity of the representations and warranties made pursuant to clause (A) above and to
evidence compliance with any customary conditions contained in the underwriting agreement or other agreement entered into by the Company. 

(k) Make available for inspection by a representative of Holders that are selling stockholders, the managing underwriter(s), if any, and any
attorneys or accountants retained by such Holders or managing underwriter(s), at the offices where normally kept, during reasonable business hours, financial and other records, pertinent corporate documents and properties of the Company, and cause
the officers, directors and employees of the Company to supply all information in each case reasonably requested (and of the type customarily provided in connection with due diligence conducted in connection with a registered public offering of
securities) by any such representative, managing underwriter(s), attorney or accountant in connection with such Shelf Registration Statement. 

(l) Use reasonable best efforts to cause all such Registrable Securities to be listed on each national securities exchange on which similar
securities issued by the Company are then listed or, if no similar securities issued by the Company are then listed on any national securities exchange, use its reasonable best efforts to cause all such Registrable Securities to be listed on such
securities exchange as Treasury may designate. 
 (m) If requested by Holders of a majority of the Registrable Securities being registered
and/or sold in connection therewith, or the managing underwriter(s), if any, promptly include in a prospectus supplement or amendment such information as the Holders of a majority of the Registrable Securities being registered and/or sold in
connection therewith or managing underwriter(s), if any, may reasonably request in order to permit the intended method of distribution of such securities and make all required filings of such prospectus supplement or such amendment as soon as
practicable after the Company has received such request. 
 (n) Timely provide to its security holders earning statements satisfying the
provisions of Section 11(a) of the Securities Act and Rule 158 thereunder. 

  

			
	 Annex E (Registration Rights)
	  	Page 7

 5. Suspension of Sales. Upon receipt of written notice from the Company that a
registration statement, prospectus or prospectus supplement contains or may contain an untrue statement of a material fact or omits or may omit to state a material fact required to be stated therein or necessary to make the statements therein not
misleading or that circumstances exist that make inadvisable use of such registration statement, prospectus or prospectus supplement, each Holder of Registrable Securities shall forthwith discontinue disposition of Registrable Securities until such
Holder has received copies of a supplemented or amended prospectus or prospectus supplement, or until such Holder is advised in writing by the Company that the use of the prospectus and, if applicable, prospectus supplement may be resumed, and, if
so directed by the Company, such Holder shall deliver to the Company (at the Company’s expense) all copies, other than permanent file copies then in such Holder’s possession, of the prospectus and, if applicable, prospectus supplement
covering such Registrable Securities current at the time of receipt of such notice. The total number of days that any such suspension may be in effect in any 12-month period shall not exceed 90 days. 

6. Termination of Registration Rights. A Holder’s registration rights as to any securities held by such Holder (and its
Affiliates, partners, members and former members) shall not be available unless such securities are Registrable Securities. 
 7.
Furnishing Information. 
 (a) No Holder shall use any free writing prospectus (as defined in Rule 405) in connection with the sale
of Registrable Securities without the prior written consent of the Company. 
 (b) It shall be a condition precedent to the obligations of
the Company to take any action pursuant to Section 4 of this Annex E that the selling Holders and the underwriters, if any, shall furnish to the Company such information regarding themselves, the Registrable Securities held by them and
the intended method of disposition of such securities as shall be required to effect the registered offering of their Registrable Securities. 
  

	8.	Indemnification. 

 (a) The Company agrees to indemnify each Holder and, if a Holder is a
person other than an individual, such Holder’s officers, directors, employees, agents, representatives and Affiliates, and in the case of Treasury, Treasury’s officials, and each person, if any, that controls a Holder within the meaning of
the Securities Act (each, an “Indemnitee”), against any and all losses, claims, damages, actions, liabilities, costs and expenses (including reasonable fees, expenses and disbursements of attorneys and other professionals incurred
in connection with investigating, defending, settling, compromising or paying any such losses, claims, damages, actions, liabilities, costs and expenses), joint or several, arising out of or based upon any untrue statement or alleged untrue
statement of material fact contained in any registration statement, including any preliminary prospectus or final prospectus contained therein or any amendments or supplements thereto or any documents incorporated therein by reference or contained
in any free writing prospectus (as such term is defined in Rule 405) prepared by the Company or authorized by it in writing for use by such Holder (or any amendment or supplement thereto); or any omission to state therein a material fact required to
be stated therein or necessary to make the 

  

			
	 Annex E (Registration Rights)
	  	Page 8

 
statements therein, in light of the circumstances under which they were made, not misleading; provided, that the Company shall not be liable to such Indemnitee in any such case to the
extent that any such loss, claim, damage, liability (or action or proceeding in respect thereof) or expense arises out of or is based upon (A) an untrue statement or omission made in such registration statement, including any such preliminary
prospectus or final prospectus contained therein or any such amendments or supplements thereto or contained in any free writing prospectus (as such term is defined in Rule 405) prepared by the Company or authorized by it in writing for use by such
Holder (or any amendment or supplement thereto), in reliance upon and in conformity with information regarding such Indemnitee or its plan of distribution or ownership interests which was furnished in writing to the Company by such Indemnitee for
use in connection with such registration statement, including any such preliminary prospectus or final prospectus contained therein or any such amendments or supplements thereto, or (B) offers or sales effected by or on behalf of such
Indemnitee “by means of” (as defined in Rule 159A) a “free writing prospectus” (as defined in Rule 405) that was not authorized in writing by the Company. 

(b) If the indemnification provided for in Section 8(a) of this Annex E is unavailable to an Indemnitee with respect to any
losses, claims, damages, actions, liabilities, costs or expenses referred to therein or is insufficient to hold the Indemnitee harmless as contemplated therein, then the Company, in lieu of indemnifying such Indemnitee, shall contribute to the
amount paid or payable by such Indemnitee as a result of such losses, claims, damages, actions, liabilities, costs or expenses in such proportion as is appropriate to reflect the relative fault of the Indemnitee, on the one hand, and the Company, on
the other hand, in connection with the statements or omissions which resulted in such losses, claims, damages, actions, liabilities, costs or expenses as well as any other relevant equitable considerations. The relative fault of the Company, on the
one hand, and of the Indemnitee, on the other hand, shall be determined by reference to, among other factors, whether the untrue statement of a material fact or omission to state a material fact relates to information supplied by the Company or by
the Indemnitee and the parties’ relative intent, knowledge, access to information and opportunity to correct or prevent such statement or omission; the Company and each Holder agree that it would not be just and equitable if contribution
pursuant to this Section 8(b) of this Annex E were determined by pro rata allocation or by any other method of allocation that does not take account of the equitable considerations referred to in Section 8(a) of this Annex
E. No Indemnitee guilty of fraudulent misrepresentation (within the meaning of Section 11(f) of the Securities Act) shall be entitled to contribution from the Company if the Company was not guilty of such fraudulent misrepresentation. 

9. Assignment of Registration Rights. The rights of Treasury to registration of Registrable Securities pursuant to Section 2 of
this Annex E may be assigned by Treasury to a transferee or assignee of Registrable Securities; provided, however, the transferor shall, within ten days after such transfer, furnish to the Company written notice of the name and
address of such transferee or assignee and the number and type of Registrable Securities that are being assigned. 
 10. Clear
Market. With respect to any underwritten offering of Registrable Securities by Holders pursuant to this Annex E, the Company agrees not to effect (other than pursuant to such registration or pursuant to a Special Registration) any public
sale or distribution, or to file any Shelf Registration Statement (other than such registration or a Special Registration) covering 

  

			
	 Annex E (Registration Rights)
	  	Page 9

 
any preferred stock of the Company or any securities convertible into or exchangeable or exercisable for preferred stock of the Company, during the period not to exceed ten days prior and 60 days
following the effective date of such offering or such longer period up to 90 days as may be requested by the managing underwriter for such underwritten offering. The Company also agrees to cause such of its directors and senior executive officers to
execute and deliver customary lock-up agreements in such form and for such time period up to 90 days as may be requested by the managing underwriter. 

11. Forfeiture of Rights. At any time, any holder of Registrable Securities (including any Holder) may elect to forfeit its rights set
forth in this Annex E from that date forward; provided, that a Holder forfeiting such rights shall nonetheless be entitled to participate under Section 2(d) – (f) of this Annex E in any Pending Underwritten
Offering to the same extent that such Holder would have been entitled to if the Holder had not withdrawn; and provided, further, that no such forfeiture shall terminate a Holder’s rights or obligations under Section 7 of this
Annex E with respect to any prior registration or Pending Underwritten Offering. 
 12. Specific Performance. The parties
hereto acknowledge that there would be no adequate remedy at law if the Company fails to perform any of its obligations under this Annex E and that Holders from time to time may be irreparably harmed by any such failure, and accordingly agree
that such Holders, in addition to any other remedy to which they may be entitled at law or in equity, to the fullest extent permitted and enforceable under applicable law shall be entitled to compel specific performance of the obligations of the
Company under this Annex E in accordance with the terms and conditions of this Annex E. 
 13. No Inconsistent
Agreements. The Company shall not, on or after the Signing Date, enter into any agreement with respect to its securities that may impair the rights granted to Holders under this Annex E or that otherwise conflicts with the provisions
hereof in any manner that may impair the rights granted to Holders under this Annex E. In the event the Company has, prior to the Signing Date, entered into any agreement with respect to its securities that is inconsistent with the rights
granted to Holders under this Annex E (including agreements that are inconsistent with the order of priority contemplated by Section 2(f) of Annex E) or that may otherwise conflict with the provisions hereof, the Company
shall use its reasonable best efforts to amend such agreements to ensure they are consistent with the provisions of this Annex E. 

14. Certain Offerings by Treasury. An “underwritten” offering or other disposition shall include any distribution of such
securities on behalf of Treasury by one or more broker-dealers, an “underwriting agreement” shall include any purchase agreement entered into by such broker-dealers, and any “registration statement” or “prospectus”
shall include any offering document approved by the Company and used in connection with such distribution. 

  

			
	 Annex E (Registration Rights)
	  	Page 10

 ANNEX F 

FORM OF CERTIFICATE OF DESIGNATION 

[SEE ATTACHED] 

  

			
	 Annex F (Form of Certificate of Designations)
	  	Page 1

 ANNEX G 

FORM OF OFFICER’S CERTIFICATE 

OFFICER’S CERTIFICATE 

OF 
 [COMPANY] 

In connection with that certain Securities Purchase Agreement, dated
[            ], 2011 (the “Agreement”) by and between [COMPANY] (the “Company”) and the Secretary of the Treasury, the undersigned does hereby certify as
follows: 
 1. I am a duly elected/appointed [            ] of the
Company. 
 2. Attached as Exhibit A hereto is a true, complete and correct copy of the articles of incorporation, articles of
association, or similar organizational document of the Company and any amendments thereto as presently on file with the [Secretary of State] of the State of [State]. 

3. Attached as Exhibit B hereto is a true, complete and correct copy of the by-laws of the Company as presently in effect. 

4. Attached as Exhibit C hereto is a true, complete and correct copy of resolutions adopted [at a duly convened meeting at which a
quorum was present and acting /by unanimous written consent] of the Board of Directors of the Company (the “Board”). Such resolutions are now in full force and effect and have not been modified, amended or revoked and are the only
resolutions of the Board relating to the Agreement. 
 5. Attached as Exhibit D hereto is a true, complete and correct copy of the
resolutions adopted [at a duly convened meeting at which a quorum was present and acting /by unanimous written consent] of the [shareholders] of the Company (the “[Shareholders]”). Such resolutions are now in full force and effect
and have not been modified, amended or revoked and are the only resolutions of the [Shareholders] relating to the Agreement. -OR- Shareholder consent is not required in connection with the execution, delivery and performance of the Agreement by the
Company. 
 6. Attached as Exhibit E is a true, complete and correct copy of the Certificate of Designation, which has been filed
with, and accepted by, the Secretary of State of the State of [            ]. 

7. The representations and warranties of the Company set forth in Article II of Annex C of the Agreement are true and correct in all respects
as though as of the date hereof (other than representations and warranties that by their terms speak as of another date, which representations and warranties shall be true and correct in all respects as of such other date) and the Company has
performed in all material respects all obligations required to be performed by it under the Agreement. 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 1

 The foregoing certifications are made and delivered as of
[            ] pursuant to Section 1.3 of Annex C of the Agreement. 

Capitalized terms used and not otherwise defined herein shall have the meanings assigned to them in the Agreement. 

[SIGNATURE PAGE FOLLOWS] 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 2

 IN WITNESS WHEREOF, this Officer’s Certificate has been duly executed and delivered as of
the [    ] day of [            ], 2011. 
  

					
	[COMPANY]
		
	By:	 	 
		 	Name:	 	
		 	Title:	 	

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 3

 EXHIBIT A 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 4

 EXHIBIT B 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 5

 EXHIBIT C 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 6

 EXHIBIT D 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 7

 EXHIBIT E 

  

			
	 Annex G (Form of Officer’s Certificate)
	  	Page 8

 ANNEX H 

FORM OF SUPPLEMENTAL REPORTS 

[SEE ATTACHED FORM OF INITIAL SUPPLEMENTAL REPORT] 

  

			
	 Annex H (Form of Supplemental Reports)
	  	Page 1

 [SEE ATTACHED FORM OF QUARTERLY SUPPLEMENTAL REPORT] 

  

			
	 Annex H (Form of Supplemental Reports)
	  	Page 2

 ANNEX I 

FORM OF ANNUAL CERTIFICATION 

ANNUAL CERTIFICATION 

OF 
 [COMPANY] 

In connection with that certain Securities Purchase Agreement, dated
[            ], 2011 (the “Agreement”) by and between [COMPANY] (the “Company”) and the Secretary of the Treasury
(“Treasury”), the undersigned does hereby certify as follows: 
 1. I am a duly elected/appointed
[            ] of the Company. 
 2. For each loan originated by the
Company or any of its Affiliates that was funded in whole or in part using funds from the Purchase Price, the Company has obtained from the business to which it made such loan a written certification that no principal of such business has been
convicted of a sex offense against a minor (as such terms are defined in section 111 of the Sex Offender Registration and Notification Act, 42 U.S.C. §16911). The Company shall retain all such certifications in accordance with standard
recordkeeping practices established by the Appropriate Federal Banking Agency. 
 3. The Company is in compliance with the requirements of
Section 1020.220 of title 31, Code of Federal Regulations. 
 The foregoing certifications are made and delivered as of
[            ] pursuant to Section 3.1(d)(iii) of Annex C of the Agreement. 

Capitalized terms used and not otherwise defined herein shall have the meanings assigned to them in the Agreement. 

[SIGNATURE PAGE FOLLOWS] 

  

			
	 Annex I (Form of Annual Certification)
	  	Page 1

 IN WITNESS WHEREOF, this Certificate has been duly executed and delivered as of the
[    ] day of [            ], 20[    ]. 

 

					
	[COMPANY]
		
	By:	 	 
		 	Name:	 	
		 	Title:	 	

  

			
	 Annex I (Form of Annual Certification)
	  	Page 2

 ANNEX J 

FORM OF OPINION 
 Secretary of the Treasury

 1500 Pennsylvania Avenue, NW 
 Washington, D.C. 20220 

Attention: Small Business Lending Fund, Office of Domestic Finance 
  

	Re:	[Institution Name] 

 [SBLF Identification No.] 

Ladies and/or Gentlemen: 
 We have acted as
counsel for [insert Institution Name] (the “Company”) in connection with the sale and issuance of [insert number] shares of [Senior] Non-Cumulative Perpetual Preferred Stock, Series
[            ] (the “Preferred Shares”) to the Secretary of the Treasury (the “Treasury”) pursuant to and in accordance with the terms of that certain Small
Business Lending Fund—Securities Purchase Agreement, dated [            , 2011] (the “Agreement”). This letter is rendered to you pursuant to Section 1.3(f) of
the Agreement and Annex J attached thereto. Unless otherwise defined herein, capitalized terms used herein shall have the meaning set forth in the Agreement. 

(a) The Company has been duly formed and is validly existing as a [TYPE OF ORGANIZATION] and is in good standing under the laws of the
jurisdiction of its organization. The Company has all necessary power and authority to own, operate and lease its properties and to carry on its business as it is being conducted. 

(b) The Company has been duly qualified as a foreign entity for the transaction of business and is in good standing under the laws of
[            ], [            ]
and[            ]. 
 (c) The Preferred Shares have been duly and validly
authorized, and, when issued and delivered pursuant to the Agreement, the Preferred Shares will be duly and validly issued and fully paid and non-assessable, will not be issued in violation of any preemptive rights, and will rank pari passu with or
senior to all other series or classes of designated preferred stock authorized on the Closing Date with respect to the payment of dividends and the distribution of assets in the event of any dissolution, liquidation or winding up of the Company.

 (d) The Company has the corporate power and authority to execute and deliver the Agreement and to carry out its obligations thereunder
(which includes the issuance of the Preferred Shares). 
 (e) The execution, delivery and performance by the Company of the Agreement and
the consummation of the transactions contemplated thereby have been duly authorized by all necessary corporate action on the part of the Company and its stockholders, and no further approval or authorization is required on the part of the Company,
including, without limitation, by any rule or requirement of any national stock exchange. 

  

			
	 Annex J (Form of Opinion)
	  	Page 1

 (f) The Agreement is a valid and binding obligation of the Company enforceable against the
Company in accordance with its terms, except as the same may be limited by applicable bankruptcy, insolvency, reorganization, moratorium or similar laws affecting the enforcement of creditors’ rights generally and general equitable principles,
regardless of whether such enforceability is considered in a proceeding at law or in equity. 
 (g) The execution and delivery by the
Company of this Agreement and the performance by the Company of its obligations thereunder (i) do not require any approval by any Governmental Entity to be obtained on the part of the Company, except those that have been obtained, (ii) do
not violate or conflict with any provision of the Charter, (iii) do not violate, conflict with, or result in a breach of any provision of, or constitute a default (or an event which, with notice or lapse of time or both, would constitute a
default) under, or result in the termination of, or accelerate the performance required by, or result in a right of termination or acceleration of, or result in the creation of, any lien, security interest, charge or encumbrance upon any of the
properties or assets of the Company or any Company Subsidiary under any of the terms, conditions or provisions of its organizational documents or under any agreement, contract, indenture, lease, mortgage, power of attorney, evidence of indebtedness,
letter of credit, license, instrument, obligation, purchase or sales order, or other commitment, whether oral or written, to which it is a party or by which it or any of its properties is bound or (iv) do not conflict with, breach or result in
a violation of, or default under any judgment, decree or order known to us that is applicable to the Company and, pursuant to any applicable laws, is issued by any Governmental Entity having jurisdiction over the Company. 

(h) Other than the filing of the Certificate of Designation with the [Secretary of State] of its jurisdiction of organization or other
applicable Governmental Entity, such filings and approvals as are required to be made or obtained under any state “blue sky” laws and such consents and approvals that have been made or obtained, no notice to, filing with, exemption or
review by, or authorization, consent or approval of, any Governmental Entity is required to be made or obtained by the Company in connection with the consummation by the Company of the Purchase. 

  

			
	 Annex J (Form of Opinion)
	  	Page 2

 ANNEX K 

FORM OF REPAYMENT DOCUMENT 

UNITED STATES DEPARTMENT OF THE TREASURY 

1500 PENNSYLVANIA AVENUE, NW 

WASHINGTON, D.C. 20220 
 Dear Ladies and
Gentlemen: 
 Reference is made to that certain Letter Agreement incorporating the Securities Purchase Agreement – Standard Terms (the
“Securities Purchase Agreement”), dated as of the date set forth on Schedule A hereto, between the United States Department of the Treasury (the “Investor”) and the company set forth on Schedule A hereto (the
“Company”). Capitalized terms used but not defined herein shall have the meanings assigned to them in the Securities Purchase Agreement. Pursuant to the Securities Purchase Agreement, at the Closing, the Company issued to the
Investor the number of shares of the series of its preferred stock set forth on Schedule A hereto (the “Preferred Shares”) and a warrant (the “Warrant”) to purchase the number of shares of [To be
included for private issuers: the series of its preferred stock set forth on Schedule A hereto (such shares, the “Warrant Shares”), which was exercised by the Investor at Closing.] [To be included for public
issuers: its common stock set forth on Schedule A hereto.] 
 In connection with the consummation of the repurchase (the
“Repurchase”) by the Company from the Investor, on the date hereof, of the number of Preferred Shares listed on Schedule A hereto (the “Repurchased Preferred Shares”) [To be included for private issuers
who are repurchasing some or all of the Warrant Shares: and the number of Warrant Shares listed on Schedule A hereto (the “Repurchased Warrant Shares”)], as permitted by the Emergency Economic Stabilization Act of
2008, as amended by the American Recovery and Reinvestment Act of 2009: 
 (a) The Company hereby acknowledges receipt from
the Investor of the share certificate(s) set forth on Schedule A hereto representing the Preferred Shares; [and] 
 (b) The
Investor hereby acknowledges receipt from the Company of a wire transfer for the account of the Investor in immediately available funds of the aggregate purchase price set forth on Schedule A hereto, representing payment in full for the Repurchased
Preferred Shares at a price per share equal to the Liquidation Amount per share, together with any accrued and unpaid dividends to, but excluding, the date hereof; 

[Paragraphs (c) and (d) to be included for private issuers who are repurchasing some or all of the
Warrant Shares: (c) The Company hereby acknowledges receipt from the Investor of the share certificate(s) set forth on Schedule A hereto representing the Warrant Shares; [and] 

(d) The Investor hereby acknowledges receipt from the Company of a wire transfer for the account of the Investor in immediately
available funds of the aggregate purchase price set forth on Schedule A hereto, representing payment in full for the Repurchased Warrant Shares at a price per share equal to the Liquidation Amount per share, together with any accrued and unpaid
dividends to, but excluding, the date hereof [; and]] 

  

			
	 Annex K (Form of Repurchase Document)
	  	Page 1

 [Paragraph (e) to be included for private issuers who are
repurchasing less than all of the Warrant Shares: (e) The Investor hereby acknowledges receipt from the Company of a share certificate for the number of Warrant Shares set forth on Schedule A hereto, equal to the difference between the
Warrant Shares represented by the certificate referenced in clause (c) above and the Repurchased Warrant Shares.] 
 [To
be included for public issuers: The Investor and the Company hereby agree that, notwithstanding Section 4.4 of the Securities Purchase Agreement, immediately following consummation of the Repurchase, but subject to compliance with
applicable securities laws, the Investor shall be permitted to Transfer all or a portion of the Warrant with respect to, and/or exercise the Warrant for, all or a portion of the number of shares of Common Stock issuable thereunder, at any time and
without limitation, and Section 4.4 of the Securities Purchase Agreement shall be deemed to be amended in order to permit the foregoing. The Company shall take all steps as may be reasonably requested by the Investor to facilitate any such
Transfer. 
 In addition, the Company agrees that in the event it elects to repurchase the Warrant, it shall deliver to the Investor within
15 calendar days of the date hereof a notice of intent to repurchase the Warrant, which notice shall be in accordance with Section 4.9(b) of the Securities Purchase Agreement (the “Warrant Repurchase Notice”). In the event the
Company does not deliver the Warrant Repurchase Notice to the Investor within 15 calendar days of the date hereof, the Investor hereby provides notice, pursuant to Section 4.5(p) of the Securities Purchase Agreement, of its intention to sell
the Warrant, such notice to be effective as of the first day following the end of such 15-day period. 
 In the event that the Company
delivers a Warrant Repurchase Notice and the Company and the Investor fail to agree on the Fair Market Value of the Warrant pursuant to the procedures (including the Appraisal Procedure), and in accordance with the time periods, set forth in
Section 4.9(c) of the Securities Purchase Agreement or the Company revokes the delivery of such Warrant Repurchase Notice, then the Investor hereby provides notice of its intention to sell the Warrant.] 

This letter agreement will be governed by and construed in accordance with the federal law of the United States if and to the extent such law
is applicable, and otherwise in accordance with the laws of the State of New York applicable to contracts made and to be performed entirely within such State. 

This letter agreement may be executed in any number of separate counterparts, each such counterpart being deemed to be an original instrument,
and all such counterparts will together constitute the same agreement. Executed signature pages to this letter agreement may be delivered by facsimile and such facsimiles will be deemed sufficient as if actual signature pages had been delivered 

[Remainder of this page intentionally left blank] 

  

			
	 Annex K (Form of Repurchase Document)
	  	Page 2

 In witness whereof, the parties have duly executed this letter agreement as of the date first
written above. 
  

					
	 UNITED STATES DEPARTMENT OF THE TREASURY

		
	By:	 	 
		 	Name:	 	
		 	Title:	 	

  

					
	COMPANY:                                   
                             
		
	By:	 	 
		 	Name:	 	
		 	Title:	 	

  

			
	 Annex K (Form of Repurchase Document)
	  	Page 3

 SCHEDULE A 

[Version to be used by public issuers] 

 

			
		
	General Information:	 	
		
	 Date of Letter Agreement incorporating the Securities Purchase Agreement:
	 	
		
	 Name of the Company:
	 	
		
	 Corporate or other organizational form of the Company:
	 	
		
	 Jurisdiction of organization of the Company:
	 	
		
	 Number and series of preferred stock issued to the Investor at the Closing:
	 	
		
	 Number of Initial Warrant Shares:
	 	
		
	Terms of the Repurchase:	 	
		
	 Number of Preferred Shares repurchased by the Company:
	 	
		
	 Share certificate number (representing the Preferred Shares previously issued to the Investor at the Closing):
	 	
		
	 Per share Liquidation Amount of Preferred Shares:
	 	
		
	 Accrued and unpaid dividends on Preferred Shares:
	 	
		
	 Aggregate purchase price for Repurchased Preferred Shares:
	 	
		
	Investor wire information for payment of purchase price:	 	ABA Number:
		 	Bank: 
		 	Account Name: 
		 	Account Number:

  

			
	 Annex K (Form of Repurchase Document)
	  	Page 4

 SCHEDULE A 

[Version to be used by private issuers] 

 

			
		
	General Information:	 	
		
	 Date of Letter Agreement incorporating the Securities Purchase Agreement:
	 	
		
	 Name of the Company:
	 	
		
	 Corporate or other organizational form of the Company:
	 	
		
	 Jurisdiction of organization of the Company:
	 	
		
	 Number and series of preferred stock issued to the Investor at the Closing (Preferred Shares):
	 	
		
	 Number and series of preferred stock underlying the Warrant issued to the Investor at the Closing (Warrant Shares):
	 	
		
	Terms of the Repurchase of Preferred Shares:	 	
		
	 Number of Preferred Shares purchased by the Company:
	 	
		
	 Share certificate number (representing the Preferred Shares previously issued to the Investor at the Closing):
	 	
		
	 Per share Liquidation Amount of Preferred Shares:
	 	
		
	 Accrued and unpaid dividends on Preferred Shares:
	 	
		
	 Aggregate purchase price for Repurchased Preferred Shares:
	 	
	
	[To be included for private issuers who are repurchasing some or all of the Warrant Shares: Terms of the Repurchase of the Warrant Shares:
		
	 Number of Warrant Shares purchased by the Company:
	 	

  

			
	 Annex K (Form of Repurchase Document)
	  	Page 5

			
		
	 Share certificate (representing the Warrant Shares previously issued to the Investor at the Closing):
	 	
		
	 Per share Liquidation Amount of Warrant Shares:
	 	
		
	 Accrued and unpaid dividends on Warrant Shares;
	 	
		
	 Aggregate purchase price for Repurchased Warrant Shares:
	 	
		
	 [To be included for issuers who are repurchasing less than all of the Warrant Shares: Difference between
the Warrant Shares and the Repurchased Warrant Shares:] ]
	 	
		
	Investor wire information for payment of purchase price:	 	ABA Number:
		 	Bank: 
		 	Account Name: 
		 	Account Number:
		 	Beneficiary:

  

			
	 Annex K (Form of Repurchase Document)
	  	Page 6

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