Document:

Exhibit 10.1 

 

CONSULTING AGREEMENT

 

THIS CONSULTING
AGREEMENT (this “Agreement”)
is entered into by and between Atlantic
Coast Bank, a federal savings association and its parent,
Atlantic Coast Financial Corporation, a Maryland corporation (collectively the “Bank”),
and James D. Hogan (the “Consultant”),
each may be referred to individually as a “Party” and collectively as the “Parties.”

 

WITNESSETH:

 

WHEREAS,
the Consultant has
knowledge and expertise that is beneficial to the Bank
including, but not limited to enterprise risk management, public accounting, finance, and executive leadership (the “Consulting
Project”); and

 

WHEREAS,
due to the Consultant’s knowledge and expertise, the Bank
wishes to have the cooperation of,
and access to, the
Consultant in connection with the Consulting Project; and

 

WHEREAS,
the Bank and the Consultant
have mutually agreed that the Consultant shall serve as an advisor to the Bank
for the period of time and according to the terms and conditions
hereinafter specified.

 

NOW,
THEREFORE, for
good and valuable consideration, the receipt
and sufficiency of which are hereby acknowledged by the
parties, the Bank
and the Consultant
hereby agree as follows:

 

		1.	Consulting Period. The Consultant shall render consulting services,
on the terms and conditions set forth in this Agreement, for the period
beginning on the date last signed, below (the
“Effective Date”)
and ending December 31, 2015 (the “Consulting
Period”) or ending on such other date as mutually
agreed upon, in writing, by the Parties.

 

		2.	Consulting Project. During the
Consulting Period, the
Consultant shall (i)
provide consulting services to the Bank,
in respect of the Consulting
Project, including reviewing documents,
attending meetings and providing other information and
services, relating to enterprise risk management, public accounting matters, finance and (ii) make himself reasonably available
to the Bank to consult on Consulting Project-specific activities
for the Bank for such amount of time as may be reasonably
requested from time
to time by the Bank
..

 

		3.	Consideration.
In consideration for agreeing to provide the consulting
services set forth in Section
2, the Consultant
shall be receive a one-time payment
of Fifty Thousand and 00/100 Dollars (the “Consulting Fee”). Consultant shall receive
a 1099 from the Bank for the Consulting Fee.

 

    	 	Page 1 of 6	 

    	 	 	 

    

 

		4.	Sole Consideration.
Excepting Consultant’s role as a member of the Board of Directors of the Bank and its
parent, Atlantic Coast Financial Corporation, Consultant shall not be
entitled to compensation or benefits from the Bank
or any of its affiliates
with respect to the Consulting Project and will
be credited with no service or age
credit for purposes of eligibility, vesting or benefit accrual under any employee benefit
plan of the Bank or
any of its affiliates. The Consulting Fee paid to Consultant
under this Agreement shall not
be considered compensation for purposes of any employee
benefit plan of the Bank
or any of its affiliates.

 

		5.	Status as an Independent
Contractor. The Bank and the Consultant acknowledge
and agree that the Bank shall not exercise general
supervision or control over the time, place or manner in which the Consultant
provides consulting services hereunder,
and that in performing consulting services pursuant
to this Agreement the Consultant shall be acting and shall
act at all times as an
independent contractor only and not as
an employee, agent, partner
or joint venturer of
or with the Bank or
any entity
for which the Bank provides services.
The Consultant acknowledges that he is solely
responsible for the
payment of all federal,
state, and local taxes
that are required by applicable laws
or regulations to be paid
with respect to the Consulting Fee
payable hereunder. Neither party will have, and will not represent to any third party that it has, any authority to act on behalf
of the other party. 

 

		6.	Termination of Consulting
Arrangement. The Parties
hereto expect that
this Agreement will continue for the
full term of the Consulting
Period, and that
it may be extended as mutually agreed upon in writing by the Parties. Either party may terminate this Agreement with ten (10) days
advance notice to the other Party.

 

		7.	Section 409A of
the Code. It is
intended that this Agreement shall comply with the provisions
of Section 409A of
the Internal Revenue
Code of 1986, as
amended (the “Code”),
and the Treasury regulations
relating thereto, or an
exemption to Section
409A of the Code. Any payments
that qualify for the “short-term deferral” exception
shall be paid under such exception.
For purposes of Section 409A
of the Code, each payment
under this Agreement shall be treated as a separate
payment for purposes
of the exclusion
for certain short-term deferral
amounts. All payments, if
any, to be made
upon a termination of
services under this
Agreement may only be made
upon a “separation
from service” under
Section 409A of the
Code. In no
event may the Consultant,
directly or indirectly,
designate the calendar year of any payment under this
Agreement. Notwithstanding anything to the contrary in
this Agreement, all reimbursements
provided under this Agreement shall be made or
provided in accordance with the requirements of Section
409A of the Code, including, where applicable, the requirement
that (i) any reimbursement
is for expenses incurred during
the Consultant’s lifetime (or during
a shorter period
of time specified in
this Agreement), (ii) the
amount of expenses eligible for reimbursement, or in-kind
benefits provided, during a calendar year may
not affect the expenses eligible for reimbursement, or
in-kind benefits to be provided, in
any other calendar year, (iii) the reimbursement of
an eligible expense will be
made no later than the
last day of the calendar year following the
year in which the expense
is incurred and (iv) the
right to reimbursement
is not subject to liquidation or exchange for another benefit.
Within the time period permitted by
the applicable Treasury regulations (or such later
time as may be permitted under Section 409A of the Code
or any Internal Revenue Service or Department
of Treasury rules or other guidance issued thereunder),
the Bank may, in consultation
with Consultant, modify the Agreement in
order to cause the
provisions of the Agreement
to comply with the requirements of Section 409A of the
Code.

 

    	 	Page 2 of 6	 

    	 	 	 

    

 

		8.	Confidential Information.
The fact of and the circumstances regarding
the existence of this Agreement and any documents, files,
materials and other
information provided to Consultant
in connection with or related to his performance
of the consulting
services under this
Agreement (such information collectively,
the “Confidential
Information”) are each highly confidential in nature.
Consultant acknowledges the highly confidential
nature of the Confidential Information and hereby agrees
that:

 

		a.	Consultant shall keep the Confidential Information strictly confidential,
privileged and secure
at all times.

 

		b.	Consultant shall not use the
Confidential Information other
than for the purpose of providing
the consulting services under this Agreement, and shall
not issue, disclose, disseminate,
make available, publish,
provide copies or otherwise reveal the
Confidential Information to
any other third party whatsoever or copy or duplicate any
of the Confidential Information, except as may be
necessary to provide the
consulting services under
this Agreement (or submit a bid
or proposal with respect
thereto) . No license, express or implied, in the Confidential
Information is granted to Consultant other than to use the Confidential Information in the manner and to the extent authorized
by this Agreement. Consultant acknowledges and agrees that any and all Confidential Information (including any intellectual property
rights therein) is and will remain the sole property of Bank. Consultant shall
promptly return all Confidential Information and
other materials received in connection with Consultant’s
performance of the
consulting services under
this Agreement upon
completion of such services and,
in any event, upon request by the Bank. No copies of the
Confidential Information
shall be retained by
Consultant following completion of
the consulting services. 

 

		c.	If Consultant receives
a subpoena, discovery request, court order,
Freedom of Information
request, or any other request or
demand authorized by
law seeking disclosure
of any Confidential Information, Consultant
must immediately notify
the Bank thereof in order to permit the
Bank to seek to quash the
subpoena, to seek a protective order, or
to take such action
regarding the request as it deems
appropriate, and Consultant will fully
cooperate in the Bank’s
efforts in this
regard so as to assure
that confidential treatment will be afforded the Confidential
Information. In the
absence of a protective order,
disclosure will be
made by Consultant
of only that part
of the Confidential
Information as is required to be
disclosed, after advising and consulting with the Bank
and its counsel as
to such disclosure and the nature and wording of such disclosure.
Consultant will use his best efforts to obtain confidential treatment therefor. Consultant
agrees that, if, at any time, he discovers that Confidential
Information has been inappropriately disclosed, he will immediately report the fact of and the circumstances regarding such disclosure
to the Bank.

 

    	 	Page 3 of 6	 

    	 	 	 

    

 

		d.	THE UNAUTHORIZED DISCLOSURE OR HANDLING OF
CONFIDENTIAL INFORMATION COULD CAUSE
SUBSTANTIAL AND IRREPARABLE DAMAGE TO THE COMPANY AND ITS AFFILIATES AND
COULD RESULT IN FINES,
PENALTIES AND/OR MONETARY
DAMAGES; THAT DAMAGES AT
LAW MAY BE AN INADEQUATE
REMEDY FOR ANY BREACH, OR THREATENED BREACH, OF THIS AGREEMENT;
AND THAT THE COMPANY SHALL
BE ENTITLED, IN ADDITION TO ALL OTHER RIGHTS OR REMEDIES,
TO SEEK SUCH RESTRAINING ORDERS AND INJUNCTIONS AS
IT MAY DEEM APPROPRIATE FOR
ANY SUCH BREACH, WITHOUT BEING REQUIRED TO SHOW ANY ACTUAL
DAMAGE OR TO POST ANY BOND OR OTHER SECURITY, AND
CONSULTANT HEREBY CONSENTS THERETO.

 

		e.	The obligations of confidentiality
contained herein shall extend indefinitely until such obligations are released in writing by the
Bank. The provisions of
this Agreement shall not be affected by bankruptcy, receivership, assignment, attachment or
seizure procedures, whether initiated by or against Consultant,
nor by the rejection of any agreement between the Bank and Consultant,
by a trustee of
Consultant in bankruptcy, or by
the Consultant as a debtor-in-possession or the equivalent of any of the foregoing under local
law. 

 

		9.	Indemnification. Consultant shall indemnify, defend and hold harmless Bank, its parents,
affiliates, and its officers, directors, shareholders, members, managers, employees and agents, from and against any and all losses,
claims, damages, liabilities, costs or expenses payable to a third party resulting from an action brought by such third party (including
reasonable attorney’s fees) that arise out of or are based upon Consultant’s negligent acts or omissions, willful misconduct,
or breach of any warranty or representation of Consultant hereunder.

 

Consultant’s indemnification
obligations hereunder shall be subject to Bank’s prompt notification to Consultant with respect to the pertinent third-party
claims, although failure to provide such notification shall not excuse Consultant from its obligations hereunder except to the
extent of any material prejudice as a direct result of such failure. Bank will provide reasonable assistance to Consultant, at
Consultant’s expense, in defending the claim.

 

		10.	Miscellaneous.

 

		a.	Successors and Assigns. This Agreement will be binding upon,
inure to the benefit of and be enforceable by, as applicable,
the Bank and the Consultant
and their respective personal or legal representatives,
executors, administrators,
successors, assigns, heirs, distributees and legatees.
This Agreement is personal
in nature and the Consultant shall not,
without the written consent of
the Bank, assign, transfer or delegate this Agreement or
any rights or obligations hereunder.

 

		b.	Governing Law. This
Agreement shall be governed
by and construed in accordance with
the laws of
the State of Florida without giving effect to such
state’s laws and principles
regarding the conflict of
laws. Both Parties irrevocably consent to the jurisdiction of the federal and state courts
presiding in Duval County, Florida for any disputes related to this Agreement, waive any objections based on inconvenient forum
or improper venue, and agree that all proceedings arising out of or in connection with this Agreement or the transactions contemplated
hereby shall be brought solely in such courts.

 

    	 	Page 4 of 6	 

    	 	 	 

    

 

		c.	Amendment. No provision
of this Agreement may be amended, modified, waived or discharged
unless such amendment, waiver, modification or
discharge is agreed to in writing and such writing is
signed by the Consultant
and the Bank. Any waiver or failure to enforce on
one occasion will not be deemed a waiver of any other provision or of such provision on any other occasion.

 

		d.	Survival of Certain Provisions. Notwithstanding the termination or expiration of
this Agreement, the provisions of Sections 8 (Confidential Information), Section 9 (Indemnification) and Section 11 (Miscellaneous)
shall survive and continue and shall bind the parties and their legal representatives, successors and permitted assigns.

 

		e.	Notice. All
notices and other communications hereunder
shall be in writing
and shall be given
by hand delivery to the other party or by registered or
certified mail, return receipt requested , postage
prepaid, addressed as follows:

 

	If to the Consultant:	If to the Bank:
	James D. Hogan	Atlantic Coast Bank
	4223 Piaffe Ave.	Attn: General Counsel
	Mint Hill, NC 28227	4655 Salisbury Rd., #110
	 	Jacksonville, FL 32256

 

or
to such other address as either party shall have
furnished to the other
in writing in accordance herewith. Notice and
communications shall be effective
when actually received by the addressee.

 

		f.	Headings. The headings of this Agreement
are for reference purposes only
and shall not affect in
any way the meaning or
interpretation of this Agreement.

 

		g.	Counterparts. This Agreement may
be executed in one or more counterparts, each of which shall be
deemed an original but all of which
together will constitute
one and the same instrument. The parties may utilize electronic
means (including facsimile) to execute and transmit this Agreement and all such electronically and/or transmitted copies of the
Agreement shall be deemed as valid as originals.

 

 

Signature page follows

 

    	 	Page 5 of 6	 

    	 	 	 

    

 

IN WITNESS WHEREOF, the Parties have caused this Agreement
to be duly executed and delivered as of the date first above written.

 

	ATLANTIC COAST BANK	 	 	 	 
	 	 	 	 	 	 
	 	 	 	 	 	 
	By:	/s/ Tracy
L. Keegan	 	Date:	August 24, 2015	 
	 	Tracy
L. Keegan	 	 	 	 
	 	Executive
Vice President, CFO	 	 	 	 
	 	 	 	 	 	 
	CONSULTANT	 	 	 	 
	 	 	 	 	 	 
	 	 	 	 	 	 
	By:	/s/ James D. Hogan	 	Date:	August 24, 2015	 
	 	James D. Hogan	 	 	 	 
	 	 	 	 	 	 

 

    	 	Page 6 of 6EX-4.36

 Exhibit 4.36 

THE CHARLES SCHWAB CORPORATION, as Issuer 

and 
 THE BANK OF NEW
YORK MELLON TRUST COMPANY, N.A., as Trustee 
  

 
 3.450% Senior
Notes due 2026 
  
  

Seventh Supplemental Indenture 

Dated as of November 13, 2015 

to 
 Senior Indenture
dated as of June 5, 2009 

 Table of Contents 

 

							
	 	 	 	  	Page	 
	 ARTICLE I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION
	  	 	1	  
	 Section 1.01
	 	 Definitions
	  	 	1	  
	 Section 1.02
	 	 Conflicts with Base Indenture
	  	 	3	  
		
	 ARTICLE II FORM OF NOTES
	  	 	3	  
	 Section 2.01
	 	 Form of Notes
	  	 	3	  
		
	 ARTICLE III THE NOTES
	  	 	4	  
	 Section 3.01
	 	 Amount; Series; Terms
	  	 	4	  
	 Section 3.02
	 	 Denominations
	  	 	5	  
	 Section 3.03
	 	 Execution, Authentication, Delivery and Dating
	  	 	5	  
	 Section 3.04
	 	 Additional Notes
	  	 	5	  
		
	 ARTICLE IV OPTIONAL REDEMPTION OF SECURITIES
	  	 	6	  
	 Section 4.01
	 	 Optional Redemption
	  	 	6	  
		
	 ARTICLE V COVENANTS AND REMEDIES
	  	 	7	  
	 Section 5.01
	 	 Limitations on Liens
	  	 	7	  
		
	 ARTICLE VI SUPPLEMENTAL INDENTURES
	  	 	8	  
	 Section 6.01
	 	 Supplemental Indentures with Consent of Holders
	  	 	8	  
		
	 ARTICLE VII MISCELLANEOUS
	  	 	8	  
	 Section 7.01
	 	 Sinking Funds
	  	 	8	  
	 Section 7.02
	 	 Conversion of Notes
	  	 	8	  
	 Section 7.03
	 	 Confirmation of Indenture
	  	 	8	  
	 Section 7.04
	 	 Counterparts
	  	 	8	  
	 Section 7.05
	 	 Governing Law
	  	 	8	  
	 Section 7.06
	 	 Trustee
	  	 	8	  
			
	 Exhibit A
	 	 Form of Note
	  	 	A-1	  

  
 i 

 SEVENTH SUPPLEMENTAL INDENTURE, dated as of November 13, 2015 (“Supplemental
Indenture”), to the Indenture dated as of June 5, 2009 (as amended, modified or supplemented from time to time in accordance therewith, other than with respect to a particular series of debt securities, the “Base
Indenture” and, as amended, modified and supplemented by this Supplemental Indenture, the “Indenture”), by and among THE CHARLES SCHWAB CORPORATION (the “Company”), and THE BANK OF NEW YORK MELLON TRUST
COMPANY, N.A., as trustee (the “Trustee”). 
 Each party agrees as follows for the benefit of the other party and for the
equal and ratable benefit of the Holders of the Notes: 
 WHEREAS, the Company has duly authorized the execution and delivery of the Base
Indenture to provide for the issuance from time to time of senior debt securities to be issued in one or more series as provided in the Base Indenture; 

WHEREAS, the Company has duly authorized the execution and delivery, and desires and has requested the Trustee to join it in the execution and
delivery, of this Supplemental Indenture in order to establish and provide for the issuance by the Company of a new series of Securities designated as its 3.450% Senior Notes due 2026 (the “Notes”), on the terms set forth herein;

 WHEREAS, Article IX of the Base Indenture provides that a supplemental indenture may be entered into by the parties for such purpose
provided certain conditions are met; 
 WHEREAS, the conditions set forth in the Base Indenture for the execution and delivery of this
Supplemental Indenture have been met; and 
 WHEREAS, all things necessary to make this Supplemental Indenture a valid and legally binding
agreement of the parties, in accordance with its terms, and a valid and legally binding amendment of, and supplement to, the Base Indenture with respect to the Notes have been done; 

NOW, THEREFORE: 
 ARTICLE I 

DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 

Section 1.01 Definitions. Capitalized terms used herein and not otherwise defined herein have the meanings assigned to them in the
Base Indenture. The words “herein”, “hereof” and “hereby” and other words of similar import used in this Supplemental Indenture refer to this Supplemental Indenture as a whole and not to any particular section hereof.

 As used herein, the following terms have the specified meanings: 

“Additional Notes” has the meaning specified in Section 3.04 of this Supplemental Indenture. 

  
 1 

 “Base Indenture” has the meaning specified in the recitals of this Supplemental
Indenture. 
 “Business Day” means any day other than (i) a Saturday or Sunday or (ii) a day on which banking
institutions in Los Angeles, California or New York, New York are authorized or obligated by law or executive order to close. 

“Company” has the meaning specified in the recitals of this Supplemental Indenture. 

“Comparable Treasury Issue” means the United States Treasury security or securities selected by the Quotation Agent as having
an actual or interpolated maturity comparable to the remaining term of the Notes to be redeemed that would be utilized, at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities
of a comparable maturity to the remaining term of such Notes. 
 “Comparable Treasury Price” means, with respect to any
Redemption Date pursuant to Section 4.01 of this Supplemental Indenture, (A) the arithmetic average of the Reference Treasury Dealer Quotations for such Redemption Date, after excluding the highest and lowest such Reference Treasury Dealer
Quotations, or (B) if the Quotation Agent obtains fewer than five such Reference Treasury Dealer Quotations, the arithmetic average of all such quotations for such Redemption Date. 

“Depositary” means The Depository Trust Company or such other Depositary designated by the Company from time to time. 

“Indenture” has the meaning specified in the recitals of this Supplemental Indenture. 

“Interest Payment Date” has the meaning set forth in Section 3.01(d) of this Supplemental Indenture. 

“ISIN” means International Securities Identifying Number. 

“Notes” has the meaning specified in the recitals of this Supplemental Indenture. 

“Permitted Liens” has the meaning set forth in Section 5.01 of this Supplemental Indenture. 

“Primary Treasury Dealer” means a primary U.S. Government securities dealer in the United States. 

“Quotation Agent” means the Reference Treasury Dealer that is selected by the Company in connection with an optional
redemption pursuant to Article IV hereof to act as Quotation Agent in addition to acting as a Reference Treasury Dealer; provided, however, that if such Reference Treasury Dealer ceases to be a Primary Treasury Dealer, the Company will substitute
another Primary Treasury Dealer. 
 “Redemption Date,” when used with respect to any Note to be redeemed, means the date
specified for redemption by the Company. 

  
 2 

 “Redemption Price” means, when used with respect to any Note to be redeemed, the
price at which it is to be redeemed pursuant to this Supplemental Indenture. 
 “Reference Treasury Dealer” means each of
(i) Citigroup Global Markets Inc. (or its successor) or any affiliate that is a Primary Treasury Dealer, (ii) Credit Suisse Securities (USA) LLC (or its successor) or any affiliate that is a Primary Treasury Dealer, (iii) Goldman,
Sachs & Co. (or its successor) or any affiliate that is a Primary Treasury Dealer, (iv) J.P. Morgan Securities LLC (or its successor) or any affiliate that is a Primary Treasury Dealer, and (v) one other Primary Treasury Dealer
that is selected by the Company; provided, however, that if any of the foregoing or their affiliates cease to be a Primary Treasury Dealer, the Company will substitute therefor another Primary Treasury Dealer. 

“Reference Treasury Dealer Quotations” means, with respect to each Reference Treasury Dealer and any Redemption Date, the
arithmetic average, as determined by the Quotation Agent, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in writing to the Quotation Agent by such Reference
Treasury Dealer at 3:30 p.m., New York City time, on the third Business Day preceding such Redemption Date. 
 “Regular Record
Date” has the meaning set forth in Section 3.01(d) of this Supplemental Indenture. 
 “Supplemental
Indenture” has the meaning specified in the recitals of this Supplemental Indenture. 
 “Treasury Rate” means,
with respect to any Redemption Date pursuant to Section 4.01 of this Supplemental Indenture, the rate per annum equal to the semiannual equivalent yield to maturity or interpolated (on a day count basis) of the Comparable Treasury Issue,
assuming a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury Price for such Redemption Date. 

“Voting Securities” has the meaning specified in Section 5.01 of this Supplemental Indenture. 

Section 1.02 Conflicts with Base Indenture. In the event that any provision of this Supplemental Indenture limits, qualifies or
conflicts with a provision of the Base Indenture, such provision of this Supplemental Indenture shall control. 
 ARTICLE II 

FORM OF NOTES 
 Section 2.01
Form of Notes. The Notes shall be substantially in the form of Exhibit A hereto which is hereby incorporated in and expressly made a part of this Indenture. 

  
 3 

 ARTICLE III 

THE NOTES 
 Section 3.01
Amount; Series; Terms. 
 (a) There is hereby created and designated a series of Securities under the Base Indenture: the title of
the Notes shall be “3.450% Senior Notes Due 2026”. The changes, modifications and supplements to the Base Indenture effected by this Supplemental Indenture shall be applicable only with respect to, and govern the terms of, the Notes and
shall not apply to any other series of Securities that may be issued under the Base Indenture unless a supplemental indenture with respect to such other series of Securities specifically incorporates such changes, modifications and supplements. 

(b) The aggregate principal amount of Notes that initially may be authenticated and delivered under this Supplemental Indenture shall be
limited to $350,000,000, subject to increase as set forth in Section 3.04 of this Supplemental Indenture. 
 (c) The Stated Maturity of
the Notes shall be February 13, 2026. The Notes shall be payable and may be presented for payment, redemption, registration of transfer and exchange, without service charge, at the Corporate Trust Office. 

(d) The Notes shall bear interest at the rate of 3.450% per annum from and including November 13, 2015, or from the most recent date
to which interest has been paid or duly provided for, as further provided in the form of Note annexed hereto as Exhibit A. Interest shall be computed on the basis of a 360-day year composed of twelve 30-day months. The dates on which such interest
shall be payable (each, an “Interest Payment Date”) shall be February 13 and August 13 of each year, commencing on February 13, 2016, and the “Regular Record Date” for any interest payable on each
such Interest Payment Date shall be the close of business on the immediately preceding January 29 and July 29, respectively, whether or not a Business Day. Interest will be payable to the Holder of record on the Regular Record Date,
provided, however, interest payable on the Stated Maturity will be paid to the person to whom the principal will be payable. 
 (e) If any
Interest Payment Date or the Stated Maturity of the Note is not a Business Day, then the related payment of interest or principal payable, as applicable, on such date will be paid on the next succeeding Business Day with the same force and effect as
if made on such Interest Payment Date or Stated Maturity and no further interest will accrue as a result of such delay. 
 (f) The Notes
will be issued in the form of one or more Global Securities, duly executed by the Company and authenticated by the Trustee as provided in Section 3.03 of this Supplemental Indenture and the Base Indenture and deposited with the Trustee as
custodian for the Depositary or its nominee. 
 (g) Initially, the Trustee will act as Paying Agent. The Company may change any Paying Agent
without notice to the Holders. 

  
 4 

 Section 3.02 Denominations. The Notes shall be issuable only in registered form
without coupons and only in denominations of $2,000 and any multiple of $1,000 in excess thereof. 
 Section 3.03 Execution,
Authentication, Delivery and Dating. The Notes shall be executed on behalf of the Company by its Chairman of the Board, its Chief Executive Officer, its Chief Financial Officer or its Treasurer, and attested by its Secretary or one of its
Assistant Secretaries. The signature of any of these officers on the Notes may be manual or facsimile and shall not be required to be under the Company’s corporate seal. 

Notes bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Company shall bind the
Company, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Notes or did not hold such offices at the date of such Notes. 

Pursuant to a Company Order, the Trustee shall authenticate for original issue Notes in an aggregate principal amount specified in the Company
Order. The Trustee shall be provided with an Officer’s Certificate and an Opinion of Counsel of the Company that it may reasonably request in connection with such authentication of Notes. Such Company Order shall specify the amount of Notes to
be authenticated and the date on which the original issue of Notes is to be authenticated. 
 Each Note shall be dated the date of its
authentication. 
 No Note shall be entitled to any benefit under this Indenture or be valid or obligatory for any purpose unless there
appears on such Note a certificate of authentication substantially in the form provided for in the Base Indenture executed by the Trustee by manual or facsimile signature, and such certificate upon any Note shall be conclusive evidence, and the only
evidence, that such Note has been duly authenticated and delivered hereunder. 
 Section 3.04 Additional Notes. The Company may,
from time to time, subject to compliance with any other applicable provisions of this Indenture, without notice to or consent of the Holders of the Notes, create and issue pursuant to this Indenture additional Notes (“Additional
Notes”) having terms and conditions set forth in this Supplemental Indenture, identical to the Notes issued on the date hereof, except that Additional Notes may: 

(i) have a different issue date than other Outstanding Notes; 

(ii) have a different issue price than other Outstanding Notes; 

(iii) have a different initial Interest Payment Date than other Outstanding Notes; and 

(iv) have a different amount of interest payable on the first Interest Payment Date after issuance than is payable on other
Outstanding Notes; 
 provided, no Additional Notes shall be issued unless such Additional Notes will be fungible for U.S. federal income tax and securities
law purposes with Notes issued on the date hereof; 

  
 5 

 
and provided further, the Additional Notes have the same CUSIP number as the Notes issued on the date hereof. No Additional Notes may be issued if on the issue date therefor, any Event of Default
has occurred and is continuing. 
 The Notes issued on the date hereof and any Additional Notes shall be treated as a single class for all
purposes under this Indenture, including waivers, amendments and United States federal tax purposes. 
 With respect to any issuance of
Additional Notes, the Company shall deliver to the Trustee a resolution of the Board of Directors or, if applicable, a certificate signed by the Chairman of the Board of Directors of the Company, the Chief Executive Officer, the Chief Financial
Officer or the Treasurer of the Company and an Officers’ Certificate in respect of such Additional Notes, which shall together provide the following information: 

(i) the aggregate principal amount of such Additional Notes to be authenticated and delivered pursuant to this Indenture; and 

(ii) the issue date, issue price, the first Interest Payment Date, the amount of interest accrued and payable on the first Interest Payment
Date, the CUSIP number and corresponding ISIN of such Additional Notes. 
 ARTICLE IV 

OPTIONAL REDEMPTION OF SECURITIES 

Section 4.01 Optional Redemption. 

(a) The provisions of Article XI of the Base Indenture, as supplemented by the provisions of this Supplemental Indenture, shall apply to the
Notes. 
 (b) Prior to November 13, 2025, the Notes shall be redeemable, as a whole or in part, at the Company’s option, on at
least 30 days, but not more than 60 days, prior notice mailed to the registered address of each Holder of the Notes to be redeemed, at a Redemption Price equal to the greater of (i) 100% of the principal amount of the Notes to be redeemed, or
(ii) as determined by the Quotation Agent, the sum of the present values of the remaining scheduled payments of interest and principal thereon (exclusive of interest accrued and unpaid to, but not including, the Redemption Date) discounted to
the Redemption Date on a semiannual basis, assuming a 360-day year consisting of twelve 30-day months, at the Treasury Rate plus 20 basis points, plus, in either case, accrued and unpaid interest to, but not including, the Redemption Date for such
Notes; provided, however, if the Redemption Date is after a Regular Record Date and on or prior to a corresponding Interest Payment Date, such accrued and unpaid interest will be paid on the Redemption Date to the holder of record on the Regular
Record Date. 
 (c) On or after November 13, 2025, the Notes shall be redeemable, as a whole or in part, at the Company’s option,
on at least 30 days, but not more than 60 days, prior notice mailed to the registered address of each Holder of the Notes to be redeemed, at a Redemption Price equal to 100% of the principal amount of the Notes to be redeemed plus accrued and unpaid
interest to, but not including, the Redemption Date for such Notes. 

  
 6 

 (d) On and after the Redemption Date for the Notes to be redeemed, interest will cease to accrue
on such Notes or any portion thereof called for redemption, unless the Company defaults in the payment of the Redemption Price and accrued interest, if any. On or before the Redemption Date for the Notes, the Company shall deposit with the Trustee
or a Paying Agent, funds sufficient to pay the Redemption Price of the Notes to be redeemed on the Redemption Date, and accrued and unpaid interest, if any, on such Notes. If less than all of the Notes are to be redeemed, the Notes to be redeemed
shall be selected in accordance with the procedures of the Depositary; provided, however, that in no event, shall Notes of a principal amount of $2,000 or less be redeemed in part. 

(e) Notice of any redemption shall be mailed at least 30 days, but not more than 60 days, before the Redemption Date to each Holder of the
Notes to be redeemed; provided, however, that if the Trustee is asked to give such notice it shall be notified in writing of such request at least 15 days prior to the date of the giving of such notice (unless a shorter notice shall be satisfactory
to the Trustee). Such notice shall state the Redemption Price (if known) or the formula pursuant to which the Redemption Price is to be determined if the Redemption Price cannot be determined at the time the notice is given. If the Redemption Price
cannot be determined at the time such notice is to be given, the actual Redemption Price, calculated as described above in clause (b) or (c), shall be set forth in an Officer’s Certificate of the Company delivered to the Trustee no later
than two Business Days prior to the Redemption Date. Notice of redemption having been given as provided in the Indenture, the Notes called for redemption shall become due and payable on the Redemption Date and at the applicable Redemption Price,
plus accrued and unpaid interest, if any, to, but not including, the Redemption Date. 
 ARTICLE V 

COVENANTS AND REMEDIES 

Section 5.01 Limitations on Liens. The Company (or any successor corporation) will not, and will not permit any Subsidiary to,
create, assume, incur or guarantee any indebtedness for borrowed money secured by a pledge, lien or other encumbrance, except for Permitted Liens (defined below), on the Voting Securities (defined below) of Charles Schwab & Co., Inc.,
Charles Schwab Bank, Charles Schwab Investment Management, Inc., or Schwab Holdings, Inc. unless the Company shall cause the Notes to be secured equally and ratably with (or, at the Company’s option, prior to) any indebtedness secured thereby.
“Permitted Liens” means (i) liens for taxes or assessments or governmental charges or levies (a) that are not then due and delinquent, (b) the validity of which is being contested in good faith or (c) which are
less than $1,000,000 in amount; (ii) liens created by or resulting from any litigation or legal proceedings which are currently being contested in good faith by appropriate proceedings or which involve claims of less than $1,000,000;
(iii) deposits to secure (or in lieu of) surety, stay, appeal or customs bonds; and (iv) such other liens as the Board of Directors of the Company determines do not materially detract from or interfere with the present value or control of
the Voting Securities subject thereto or affected thereby. 

  
 7 

 
“Voting Securities” means stock of any class or classes having general voting power under ordinary circumstances to elect a majority of the board of directors, managers or
trustees of the corporation in question, provided that, for the purposes hereof, stock which carries only the right to vote conditionally on the happening of an event shall not be considered voting stock whether or not such event shall have
happened. 
 ARTICLE VI 

SUPPLEMENTAL INDENTURES 

Section 6.01 Supplemental Indentures with Consent of Holders. The terms of this Supplemental Indenture may be modified as set
forth in Article IX of the Base Indenture. For the avoidance of doubt, no supplemental indenture shall, without the consent of the Holder of each Outstanding Note affected thereby, reduce the Redemption Price of any Note. 

ARTICLE VII 
 MISCELLANEOUS 

Section 7.01 Sinking Funds. Article XII of the Base Indenture shall have no application. The Notes shall not have the benefit of a
sinking fund. 
 Section 7.02 Conversion of Notes. Article XIV of the Base Indenture shall have no application. The Notes shall
not be convertible into shares of Common Stock of the Company. 
 Section 7.03 Confirmation of Indenture. The Base Indenture, as
supplemented and amended by this Supplemental Indenture and all other indentures supplemental thereto, is in all respects ratified and confirmed, and the Base Indenture, this Supplemental Indenture and all indentures supplemental thereto shall be
read, taken and construed as one and the same instrument. 
 Section 7.04 Counterparts. The parties hereto may sign one or more
copies of this Supplemental Indenture in counterparts, all of which together shall constitute one and the same agreement. 

Section 7.05 Governing Law. THIS SUPPLEMENTAL INDENTURE AND THE NOTES SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH, THE
LAWS OF THE STATE OF CALIFORNIA. 
 Section 7.06 Trustee. The Trustee makes no representations as to the validity or sufficiency
of this Supplemental Indenture. The recitals herein are deemed to be those of the Company and not of the Trustee. 
 [Remainder of Page
Intentionally Left Blank] 

  
 8 

 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly executed as of the day
and year first written above. 
  

			
	 THE CHARLES SCHWAB CORPORATION,
 as
Issuer

		
	By:	 	 /s/ Joseph R. Martinetto

	Name:	 	Joseph R. Martinetto
	Title:	 	Senior Executive Vice President and Chief Financial Officer
	
	THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee
		
	By:	 	 /s/ Teresa Petta

	Name:	 	Teresa Petta
	Title:	 	Vice President

  
 9 

 EXHIBIT A 

FORM OF NOTE 
 THIS
SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO
TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. 

UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION
(“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER, EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC
(AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE
REGISTERED OWNER HEREOF, CEDE & CO., HAS A BENEFICIAL INTEREST HEREIN. 
 TRANSFERS OF THIS NOTE ARE LIMITED TO TRANSFERS IN WHOLE,
BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR SUCH SUCCESSOR’S NOMINEE AND TRANSFERS OF PORTIONS OF THIS GLOBAL SECURITY ARE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE INDENTURE REFERRED TO
ON THE REVERSE HEREOF. 

  
 A-1 

 THE CHARLES SCHWAB CORPORATION 

3.450% Senior Notes due 2026 
  

			
	No. [    ]	  	 CUSIP No.: 808513AM7

ISIN No.: US808513AM75

 THE CHARLES SCHWAB CORPORATION, a Delaware corporation (the “Issuer”), for value received
promises to pay to CEDE & CO., or its registered assigns, the principal sum of [        ] DOLLARS, or such lesser amount as is indicated in the records of the Trustee and Depositary, on
February 13, 2026. 
 Interest Payment Dates: February 13 and August 13 of each year (each, an “Interest Payment
Date”), commencing on February 13, 2016. 
 Interest Record Dates: January 29 and July 29 (each, a “Regular
Record Date”). 
 Reference is made to the further provisions of this Note contained herein, which will for all purposes have the
same effect as if set forth at this place. 
 Dated: November 13, 2015 

  
 A-2 

 IN WITNESS WHEREOF, the Issuer has caused this Note to be signed manually or by facsimile by its
duly authorized officers. 
  

			
	THE CHARLES SCHWAB CORPORATION
		
	By:	 	  

	Name:	 	Joseph R. Martinetto
	Title:	 	Senior Executive Vice President and Chief Financial Officer

  

	
	Attest:
	  

	Name:
	Title:

  
 A-3 

 This is one of the Notes of the series designated herein and referred to in the within-mentioned Indenture. 

Dated:                      

 

			
	THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee
		
	By:	 	  

		 	Authorized Signatory

  
 A-4 

 (REVERSE OF NOTE) 

THE CHARLES SCHWAB CORPORATION 

3.450% Senior Notes due 2026 
  

	 	1.	Interest. 

 The Charles Schwab Corporation (the “Issuer”) promises to pay
interest on the principal amount of this Note at the rate per annum described above. Cash interest on the Notes will accrue from the most recent date to which interest has been paid; or, if no interest has been paid, from and including
November 13, 2015. Interest on this Note will be paid to but excluding the relevant Interest Payment Date or on such earlier date as the principal amount shall become due in accordance with the provisions hereof. Interest will be payable to the
Holder of record on the Regular Record Date, provided, however, interest payable on the Stated Maturity will be paid to the person to whom the principal will be payable. The Issuer will pay interest semi-annually in arrears on each Interest Payment
Date, commencing February 13, 2016. If any Interest Payment Date or the Stated Maturity of the Notes is not a Business Day, then the related payment of interest or principal payable, as applicable, on such date will be paid on the next
succeeding Business Day with the same force and effect as if made on such Interest Payment Date or Stated Maturity and no further interest will accrue as a result of such delay. Interest will be computed on the basis of a 360-day year consisting of
twelve 30-day months. 
 The Issuer shall pay interest on overdue principal from time to time on demand by the Trustee pursuant to
Section 5.3 of the Base Indenture (defined below) at the rate borne by the Notes and on overdue installments of interest (without regard to any applicable grace periods) to the extent lawful. 

 

	 	2.	Paying Agent. 

 Initially, The Bank of New York Mellon Trust Company, N.A. (the
“Trustee”) will act as paying agent. The Issuer may change any paying agent without notice to the Holders. 
  

	 	3.	Indenture; Defined Terms. 

 This Note is one of the 3.450% Senior Notes due 2026 (the
“Notes”) issued under the Senior Indenture dated as of June 5, 2009 (as amended, modified or supplemented from time to time in accordance therewith, the “Base Indenture” and, as amended, modified and
supplemented by the Seventh Supplemental Indenture dated as of November 13, 2015, the “Indenture”) by and between the Issuer and the Trustee, as trustee. This Note is a “Global Security” and the Notes are “Global
Securities” under the Indenture. 
 For purposes of this Note, unless otherwise defined herein, capitalized terms herein are used as
defined in the Indenture. The terms of the Notes include those stated in the Indenture and those made part of the Indenture by reference to the Trust Indenture Act of 1939 (15 U.S.C. Sections 77aaa-77bbbb) (the “TIA”) as in effect
on the date on which the Indenture was qualified under the TIA. Notwithstanding anything to the contrary herein, the Notes are subject to all such terms, and holders of Notes are referred to the Indenture and the TIA for a statement of them. To the
extent the terms of the Indenture and this Note are inconsistent, the terms of the Indenture shall govern. 

  
 A-5 

	 	4.	Denominations; Transfer; Exchange. 

 The Notes are in registered form, without coupons, in
denominations of $2,000 and multiples of $1,000 thereafter. A Holder shall register the transfer or exchange of Notes in accordance with the Indenture. The Issuer may require a Holder, among other things, to furnish appropriate endorsements and
transfer documents and to pay certain transfer taxes or similar governmental charges payable in connection therewith as permitted by the Indenture. The Issuer need not issue, authenticate, register the transfer of or exchange any Notes or portions
thereof for a period of fifteen (15) days before the mailing of a notice of redemption, nor need the Issuer register the transfer or exchange of any Note selected for redemption in whole or in part, except the unredeemed portion of any Security
being redeemed in part. 
  

	 	5.	Amendment; Modification; Waiver. 

 The Indenture permits, with certain exceptions as therein
provided, the amendment thereof and the modification of the rights and obligations of the Issuer and the rights of the Holders of the Securities of all series affected under the Indenture at any time by the Issuer and the Trustee with the consent of
the Holders of not less than a majority in aggregate principal amount of the Securities of all series at the time Outstanding affected thereby (voting together as a single class). The Indenture contains provisions permitting the Holders of not less
than a majority in aggregate principal amount of the Securities of all series at the time Outstanding with respect to which an Event of Default under the Indenture shall have occurred and be continuing (voting together as a single class), on behalf
of the Holders of all Securities of such affected series, to waive, with certain exceptions, such past default with respect to all such series and its consequences. The Indenture also permits the Holders of not less than a majority in aggregate
principal amount of the Securities of each series at the time Outstanding affected thereby (voting together as a single class), on behalf of the Holders of all Securities of such affected series, to waive compliance by the Issuer with certain
provisions of the Indenture. Any such consent or waiver by the Holder of this Note shall be conclusive and binding upon such Holder and upon all future Holders of this Note and of any Security issued upon the registration of transfer hereof or in
exchange therefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note. 
  

	 	6.	Optional Redemption. 

 The Issuer may redeem the Notes in whole or in part, at its option, at
any time or from time to time prior to maturity on at least 30 days, but not more than 60 days, prior notice mailed to the registered address of each Holder of the Notes (the “Redemption Date”). 

If any or all of the Notes are redeemed before November 13, 2025 the redemption price will be equal to the greater of: (i) 100% of
the principal amount of the Notes to be redeemed, or (ii) as determined by the Quotation Agent, the sum of the present values of the remaining scheduled payments of interest and principal thereon (exclusive of interest accrued and unpaid to,
but not including, the Redemption Date) discounted to the Redemption Date, 

  
 A-6 

 
on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months), at a rate equal to the sum of the Treasury Rate plus 20 basis points, plus, in either case, accrued interest
thereon to, but not including, the Redemption Date; provided, however, if the Redemption Date is after a Regular Record Date and on or prior to a corresponding Interest Payment Date, such accrued and unpaid interest will be paid on the Redemption
Date to the holder of record on the Regular Record Date. 
 If any or all of the Notes are redeemed on or after November 13, 2025, the
redemption price will be equal to 100% of the principal amount of the Notes to be redeemed plus accrued and unpaid interest to, but not including, the Redemption Date for such Notes. 

On and after the Redemption Date for the Notes, interest will cease to accrue on the Notes or any portion thereof called for redemption,
unless the Issuer defaults in the payment of the Redemption Price and accrued interest, if any. On or before the Redemption Date for the Notes, the Issuer shall deposit with the Trustee or a Paying Agent, funds sufficient to pay the Redemption Price
of the Notes to be redeemed on the Redemption Date, and accrued and unpaid interest, if any, on such Notes. If less than all of the Notes are to be redeemed, the Notes to be redeemed shall be selected in accordance with the procedures of the
Depositary; provided, however, that in no event, shall Notes of a principal amount of $2,000 or less be redeemed in part. 
 Notice of any
redemption shall be mailed at least 30 days, but not more than 60 days, before the Redemption Date to each Holder of the Notes to be redeemed; provided, however, that if the Trustee is asked to give such notice it shall be notified in writing of
such request at least 15 days prior to the date of the giving of such notice (unless a shorter notice shall be satisfactory to the Trustee). Such notice shall state the Redemption Price (if known) or the formula pursuant to which the Redemption
Price is to be determined if the Redemption Price cannot be determined at the time the notice is given. If the Redemption Price cannot be determined at the time such notice is to be given, the actual Redemption Price, calculated as described above,
shall be set forth in an Officer’s Certificate of the Issuer delivered to the Trustee no later than two Business Days prior to the Redemption Date. Notice of redemption having been given as provided in the Indenture, the Notes called for
redemption shall become due and payable on the Redemption Date and at the applicable Redemption Price, plus accrued and unpaid interest, if any, to, but not including, the Redemption Date. 

 

	 	7.	Defaults and Remedies. 

 If an Event of Default with respect to Notes at the time Outstanding
occurs and is continuing, then in every such case the Trustee or the Holders of not less than 25% in aggregate principal amount of the Securities of all affected series then Outstanding (voting together as a single class) may declare the principal
amount of all the Securities of the affected series to be due and payable immediately, by a notice in writing to the Issuer (and to the Trustee if given by Holders), and upon any such declaration such principal amount (or specified amount) of and
the accrued interest on all the Securities of such affected series shall become immediately due and payable. 

  
 A-7 

 The Indenture permits, subject to certain limitations therein provided, Holders of not less than
a majority in aggregate principal amount of the Securities of all affected series (voting together as a single class) at the time Outstanding, 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 Securities of such series. 
  

	 	8.	Authentication. 

 This Note shall not be valid until the Trustee manually or by facsimile signs
the certificate of authentication on this Note. 
  

	 	9.	Abbreviations and Defined Terms. 

 Customary abbreviations may be used in the name of a Holder
of a Note or an assignee, such as: TEN COM (= tenants in common), TEN ENT (= tenants by the entireties), JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= Custodian), and U/G/M/A (= Uniform Gifts to Minors
Act). 
  

	 	10.	CUSIP Numbers. 

 Pursuant to a recommendation promulgated by the Committee on Uniform Security
Identification Procedures, the Issuer has caused CUSIP numbers to be printed on the Notes as a convenience to the Holders of the Notes. No representation is made as to the accuracy of such numbers as printed on the Notes and reliance may be placed
only on the other identification numbers printed hereon. 
  

	 	11.	Governing Law. 

 This Note and the Indenture shall be governed by, and construed in accordance
with, the laws of the State of California. 

  
 A-8 

 ASSIGNMENT FORM 

To assign this Note, fill in the form below: 
 I or we assign
and transfer this Note to 
 (Print or type assignee’s name, address and zip code) 

(Insert assignee’s soc. sec. or tax I.D. No.) 
  

							
	and irrevocably appoint                      as agent to transfer this Note on the books of the Issuer. The agent may
substitute another to act for him.
	
	  

									
			
	Date:                     	 	Your Signature:                                
                             	  	

  
  

Sign exactly as your name appears on the other side of this Note. 
  

							
		 		  	  

	Signature Guarantee:	 		  	Signature
			
	  
	 		  	  

	Signature must be guaranteed	 		  	Signature

 Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements of the
Registrar, which requirements include membership or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Registrar in addition to,
or in substitution for, STAMP, all in accordance with the United States Securities Exchange Act of 1934, as amended. 

  
 A-9

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