Document:

Form of Certificate of Trust of SunTrust Capital XVI and XVII

 Exhibit 4.1.3 
 CERTIFICATE OF TRUST 
 OF 
 SUNTRUST CAPITAL              
 THIS Certificate of Trust of SunTrust Capital              (the “Trust”) is being duly executed and filed on behalf of the Trust by the
undersigned, as trustees, to form a statutory trust under the Delaware Statutory Trust Act (12 Del.C. § 3801 et seq.) (the “Act”). 
 1. Name. The name of the statutory trust formed hereby is SunTrust Capital             . 
 2. Delaware Trustee. The name and business address of the trustee of the Trust in the State of Delaware are U.S. Bank Trust National Association,
300 Delaware Avenue, 9th Floor, Wilmington, Delaware 19801, Attention: Corporate Trust Services Division. 
 3. Effective Date. This
Certificate of Trust shall be effective upon filing with the Secretary of State. 
 4. Counterparts. This Certificate of Trust may be
executed in one or more counterparts. 
 IN WITNESS WHEREOF, the undersigned have duly executed this Certificate of Trust in accordance with
Section 3811(a)(1) of the Act. 
  

	
	
	  
	Raymond D. Fortin
	Administrative Trustee
	
	  
	Jerome T. Lienhard, II
	Administrative Trustee
	
	  
	Michael Spingler
	Administrative Trustee

			
	 U.S. BANK NATIONAL ASSOCIATION,
 as Property
Trustee

		
	By:	 	 
	Name:	 	Earl W. Dennison Jr.
	Title:	 	Vice President

  

			
	 U.S. BANK TRUST NATIONAL ASSOCIATION,
 as
Delaware Trustee

		
	By:	 	 
	Name:	 	Earl W. Dennison Jr.
	Title:	 	Vice PresidentForm of Declaration of Trust of SunTrust Capital XVI and XVII

 Exhibit 4.2.3 
 DECLARATION OF TRUST 
 This DECLARATION OF TRUST, dated as of August 31, 2009 (this
“Declaration of Trust”), is among Raymond D. Fortin, Jerome T. Lienhard, II and Michael Spingler, as the Administrative Trustees (the “Administrative Trustees”), U.S. Bank National Association, as Property Trustee (the
“Property Trustee”), U.S. Bank Trust National Association, as the Delaware Trustee (the “Delaware Trustee,” and collectively with the Administrative Trustees and the Property Trustee, the “Trustees”), and SunTrust
Banks, Inc., a Georgia corporation, as the Sponsor (the “Sponsor”). The Sponsor and the Trustees hereby agree as follows: 
 1. The
trust created hereby shall be known as “SunTrust Capital             ,” in which name the Trustees, or the Sponsor to the extent provided herein, may conduct the business
of the Trust, make and execute contracts, and sue and be sued. 
 2. The Sponsor hereby assigns, transfers, conveys and sets over to the
Trustees the sum of $10. The Trustees hereby acknowledge receipt of such amount in trust from the Sponsor, which amount shall constitute the initial trust estate. The Trustees hereby declare that they will hold the trust estate in trust for the
Sponsor. It is the intention of the parties hereto that the Trust created hereby constitutes a statutory trust under Chapter 38 of Title 12 of the Delaware Code, 12 Del. C. § 3801, et seq. (the “Statutory Trust
Act”), and that this document constitutes the governing instrument of the Trust. The Trustees are hereby authorized and directed to execute and file a certificate of trust with the Delaware Secretary of State in accordance with the provisions
of the Statutory Trust Act. 
 3. The Sponsor and the Trustees will enter into an amended and restated Declaration of Trust, satisfactory to
each such party and substantially in the form included as an exhibit to the 1933 Act Registration Statement (as defined below), to provide for the contemplated operation of the Trust created hereby and the issuance of the Preferred Securities and
Common Securities referred to therein. Prior to the execution and delivery of such amended and restated Declaration of Trust, the Trustees shall not have any duty or obligation hereunder or with respect to the trust estate, except as otherwise
required by applicable law or as may be necessary to obtain prior to such execution and delivery any licenses, consents or approvals required by applicable law or otherwise. 
 4. The Sponsor, as the Sponsor of the Trust, or any Administrative Trustee, as an Administrative Trustee of the Trust, is hereby authorized (i) to
file with the Securities and Exchange Commission (the “Commission”) and execute, in each case on behalf of the Trust, (a) the Registration Statement on Form S-3 or other appropriate form (the “1933 Act Registration
Statement”), including any pre-effective or post-effective amendments to the 1933 Act Registration Statement (including any preliminary prospectus, prospectus or prospectus supplements, and the exhibits contained therein), relating to the
registration under the Securities Act of 1933, as amended, of the Preferred Securities of the Trust and possibly certain other securities and (b) a Registration Statement on Form 8-A or other appropriate form (the “1934 Act Registration
Statement”) (including all pre-effective and post-effective amendments thereto) relating to the registration of the Preferred Securities of the Trust under the Securities Exchange Act of 1934, as amended; (ii) to file with the New York
Stock Exchange or any other national stock exchange or The Nasdaq National Market (each, an “Exchange”) and execute on behalf of the Trust one or more listing applications and all 

 
other applications, statements, certificates, agreements and other instruments as shall be necessary or desirable to cause the Preferred Securities to be
listed on any of the Exchanges; (iii) to file and execute on behalf of the Trust such applications, reports, surety bonds, irrevocable consents, appointments of attorney for service of process and other papers and documents as shall be
necessary or desirable to register the Preferred Securities under the securities or “Blue Sky” laws of such jurisdictions as the Sponsor, on behalf of the Trust, may deem necessary or desirable; (iv) to execute and deliver letters or
documents to, or instruments for filing with, a depository relating to the Preferred Securities; and (v) to execute on behalf of the Trust that certain Underwriting Agreement relating to the Preferred Securities, among the Trust, the Sponsor
and the several Underwriters named therein, substantially in the form included as an exhibit to the 1933 Act Registration Statement. In the event that any filing referred to in clauses (i), (ii) and (iii) above is required by the rules and
regulations of the Commission, an Exchange or state securities or blue sky laws, to be executed on behalf of the Trust by a Trustee, U.S. Bank National Association, in its capacity as trustee of the Trust, is hereby authorized and directed to join
in any such filing and to execute on behalf of the Trust any and all of the foregoing. 
 5. This Trust Agreement may be executed in one or
more counterparts. 
 6. The number of Trustees initially shall be five (5) and thereafter the number of Trustees shall be such number
as shall be fixed from time to time by a written instrument signed by the Sponsor which may increase or decrease the number of Trustees; provided, however, that to the extent required by the Statutory Trust Act, one Trustee shall either be a natural
person who is a resident of the State of Delaware or, if not a natural person, an entity which has its principal place of business in the State of Delaware and otherwise meets the requirements of applicable Delaware law. Subject to the foregoing,
the Sponsor is entitled to appoint or remove without cause any Trustee at any time. A Trustee may resign upon thirty (30) days’ prior notice to the Sponsor. 
 7. The Sponsor hereby agrees to (i) reimburse the Delaware Trustee and the Property Trustee for all reasonable expenses actually incurred (including reasonable fees and expenses of counsel and other experts), and
(ii) indemnify, defend and hold harmless the Delaware Trustee and the Property Trustee and any of the officers, directors, employees and agents of the Delaware Trustee and the Property Trustee (the “Indemnified Persons”) from and
against any and all losses, damages, liabilities, claims, actions, suits, costs, expenses, disbursements (including reasonable fees and expenses of counsel), taxes and penalties of any kind and nature whatsoever actually incurred (collectively,
“Expenses”), to the extent that such Expenses arise out of or are imposed upon or asserted at any time against such Indemnified Persons with respect to the performance of this Declaration of Trust, the creation, operation or termination of
the Trust or the transactions contemplated hereby; provided, however, that the Sponsor shall not be required to indemnify any Indemnified Person for any Expenses which are a result of the willful misconduct, bad faith or gross negligence of
such Indemnified Person. 
 8. The Sponsor may, in its sole discretion, dissolve and terminate the Trust. 
 9. This Declaration of Trust shall be governed by, and construed in accordance with, the laws of the State of Delaware (without regard to conflict of
laws principles). 
  

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

			
	SUNTRUST BANKS, INC., as Sponsor
		
	By:	 	 
	Name:	 	McHenry Kane
	Title:	 	Vice President

  

	
	  
	Raymond D. Fortin
	Administrative Trustee
	
	  
	Jerome T. Lienhard, II
	Administrative Trustee
	
	  
	Michael Spingler
	Administrative Trustee

  

			
	 U.S. BANK NATIONAL ASSOCIATION,
 as Property
Trustee

		
	By:	 	 
	Name:	 	Earl W. Dennison Jr.
	Title:	 	Vice President

  

			
	 U.S. BANK TRUST NATIONAL ASSOCIATION,
 as
Delaware Trustee

		
	By:	 	 
	Name:	 	Earl W. Dennison Jr.
	Title:	 	Vice President

  

 3Executive Employment Agreement

 Exhibit 10.1 
 EXECUTIVE EMPLOYMENT AGREEMENT 
 THIS EXECUTIVE EMPLOYMENT AGREEMENT (the
“Agreement”) is effective as of July 13, 2009, by and between JACKSON HEWITT TAX SERVICE INC. (the “Company”) and HARRY W. BUCKLEY (the “Executive”). 
 WHEREAS, the Company desires to employ the Executive as its President and Chief Executive Officer, and the Executive desires to serve the Company
in such capacities, effective as of the date hereof. 
 NOW THEREFORE, in consideration of the foregoing and other good and valuable
consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereby agree as follows: 
 SECTION I

 EMPLOYMENT 
 The Company agrees to employ the Executive, and the Executive agrees to be employed by the Company, for the Period of Employment (as defined in Section III) and upon the terms and conditions provided in this Agreement. 
 SECTION II 
 POSITION AND
RESPONSIBILITIES 
 A. During the Period of Employment, the Executive will serve as the President and Chief Executive Officer of the
Company and, subject to the direction of the Board of Directors of the Company (the “Board”), will perform such duties and exercise such supervision with regard to the business of the Company as are associated with such positions, as well
as perform such additional duties as may be prescribed from time to time by the Board. Without limiting the generality of the foregoing, the Executive’s duties as the President and Chief Executive Officer of the Company will include assisting
the Board, or the appropriate committee thereof, in identifying, evaluating and recruiting the Executive’s successor. In addition, the Executive has been elected to serve as a member of the Board and will continue to serve in such capacity
during the Period of Employment, subject to the Executive’s re-nomination and re-election to the Board. The Board, or the appropriate committee thereof, will re-nominate the Executive for re-election for additional terms of service on the Board
during the Period of Employment. During the Period of Employment, the Executive shall not be entitled to any additional compensation for his service on the Board. 
 B. The Executive will, during the Period of Employment, devote substantially all of his time and attention during normal business hours to the performance of services for the Company, except during customary vacation
periods and periods of illness. The Executive will maintain a primary office and conduct his business in Parsippany, New Jersey, except for normal and reasonable business travel in connection with his duties hereunder, but the Executive shall not be
required to move his principal residence to such location. Nothing contained in this 

 
Agreement will prevent the Executive from serving on civic and charitable boards or from conducting his personal affairs. 
 C. The Executive will, in accordance with the Company’s policy and procedures and applicable law, give appropriate certifications with respect to
the accuracy of the Company’s publicly-filed financial statements, as applicable. 
 SECTION III 
 PERIOD OF EMPLOYMENT 
 The
period of the Executive’s employment under this Agreement (the “Period of Employment”) will begin on the date of this Agreement and end on June 4, 2011, subject to termination as provided in this Agreement. 
 SECTION IV 
 COMPENSATION AND
BENEFITS 
 For all services rendered by the Executive pursuant to this Agreement during the Period of Employment, including services
as an officer, director or committee member of the Company or any subsidiary or affiliate thereof, the Executive will be compensated as follows: 
 (i) Base Salary. The Company will pay the Executive a fixed base salary of not less than $500,000 per year (the “Base Salary”). From time to time, the Executive may be eligible to receive annual increases as the Company
deems appropriate, in accordance with the Company’s customary policies and procedures regarding the salaries of executive officers. Base Salary will be payable according to the customary payroll practices of the Company, but in no event less
frequently than once each month. 
 (ii) Annual Incentive Awards. The Executive will be eligible for discretionary annual incentive
compensation awards. The Executive will be eligible to receive an annual bonus opportunity in respect of each fiscal year of the Company during the Period of Employment based upon a target bonus equal to no less than a specified percentage of the
Executive’s then-current Base Salary during such fiscal year (the “Target Level”), which percentage shall be established by the Compensation Committee (the “Committee”) of the Board; provided, however, that
such bonus will be subject to the attainment by the Company of applicable performance targets reasonably established and certified by the Board or the Committee. The performance targets may relate to such financial and/or business criteria of the
Company and its subsidiaries or business units, as well as the Executive’s personal performance, as determined by the Board or the Committee in its sole discretion (each such annual bonus, an “Incentive Compensation Award”).

 (iii) Long-Term Incentive Awards. At such times as the Board or the Committee determines to conduct annual or periodic grants of
long term incentive awards to employees and officers of the Company, the Executive will be eligible to receive such grants, subject to the sole and complete discretion of the Board or the Committee, and upon such terms and conditions as determined
by the Board or the Committee. 
  

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 (iv) Additional Benefits. 
 (a) Other Compensation. The Executive will be entitled to participate in all other compensation and employee benefit plans or programs offered
generally to employees of the Company and will generally receive all perquisites offered to similarly situated employees of the Company. The Executive will participate to the extent permissible under the terms and provisions of such plans or
programs and in accordance with the terms of such plans and programs. 
 (b) Signing Bonus. The Executive will receive a signing
bonus of $100,000 payable as follows: (1) $50,000, less applicable withholding taxes, payable by the Company to Executive promptly upon the execution of this Agreement by both parties hereto; and (2) $50,000, less applicable withholding
taxes, payable by the Company to Executive no later than thirty (30) days after the first anniversary of the date of this Agreement; provided, however, that the Company is obligated to make the payment referenced in subclause
(2) of this paragraph only if the Executive continues to be employed by the Company pursuant to this Agreement on such anniversary date. 
 (c) Vacation, Holidays and Sick Leave. During the Period of Employment, the Executive will be entitled to paid vacation and paid holidays and sick leave in accordance with the Company’s standard policies for its officers.

 SECTION V 
 BUSINESS EXPENSES 
 The Company will reimburse the Executive for all reasonable travel and other expenses incurred by
the Executive in connection with the performance of his duties and obligations under this Agreement. The Executive will comply with such limitations and reporting requirements with respect to expenses as may be established by the Company from time
to time and will promptly provide all appropriate and requested documentation in connection with such expenses. 
 SECTION VI

 DISABILITY 
 If the Executive becomes Disabled (as defined below) during the Period of Employment, the Period of Employment may be terminated at the option of the Executive upon notice of resignation to the Company, or at the option of the Company upon
thirty (30) days’ advance notice of termination to the Executive. The Company’s obligation to make payments to the Executive under this Agreement will cease as of such date of such termination, except for the payment of: (i) Base
Salary and Incentive Compensation Awards earned but unpaid as of the date of such termination and (ii) a pro rata portion of the Incentive Compensation Award in respect of the fiscal year in which such termination occurs (paid at the Target
Level), provided that all performance targets relating to such Incentive Compensation Award are attained, with such pro rata portion to be paid at such time or times as incentive compensation awards in respect of such fiscal year are payable by the
Company to its other executive officers. In addition, upon such event, all of the Executive’s outstanding and unvested stock options and any other equity awards or other incentives or compensation that is subject to vesting will become 

  

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immediately and fully vested and exercisable and all such options, awards, incentives and compensation shall remain exercisable in accordance with the terms
of the respective plans and/or agreements. For purposes of this Agreement, “Disabled” means the Executive’s inability to perform the Executive’s duties hereunder as a result of serious physical or mental illness or injury for a
period of no less than sixty (60) days, together with a determination by an independent medical authority that the Executive is currently unable to perform such duties. Such medical authority shall be mutually and reasonably agreed upon by the
Company and the Executive and such opinion shall be binding on the Company and the Executive. 
 SECTION VII 
 DEATH 
 In the event of the
death of the Executive during the Period of Employment, the Period of Employment will end and the Company’s obligation to make payments under this Agreement will cease as of the date of death, except for the payment of: (i) Base Salary and
Incentive Compensation Awards earned but unpaid through the date of death and (ii) a pro rata portion of the Incentive Compensation Award in respect of the fiscal year in which death occurs (paid at the Target Level), provided that all
performance targets relating to such Incentive Compensation Award are attained, with such pro rata portion to be paid at such time or times as incentive compensation awards in respect of such fiscal year are payable by the Company to its other
executive officers. In addition, upon such event, all of the Executive’s outstanding and unvested stock options and any other equity awards or other incentives or compensation that is subject to vesting will become immediately and fully vested
and exercisable and all such options, awards, incentives and compensation shall remain exercisable in accordance with the terms of the respective plans and/or agreements. All such amounts will be paid to the Executive’s surviving spouse, estate
or personal representative, as applicable. 
 SECTION VIII 
 EFFECT OF TERMINATION OF EMPLOYMENT 
 A. Without Cause Termination; Constructive
Discharge. If the Executive’s employment terminates due to either a Without Cause Termination or a Constructive Discharge (each as defined below), then the Company will pay the Executive (or the Executive’s surviving spouse, estate or
personal representative, as applicable): (i) a lump sum cash payment equal to the aggregate Monthly Base Salary (as defined below) for the period (the “Continuation Period”) which is the longer of (a) the number of months
remaining in the Guaranteed Payment Period (as defined below) as of the date of such termination and (b) six (6) months; (ii) any and all Base Salary and Incentive Compensation Awards earned but unpaid through the date of such
termination; and (iii) a pro rata portion of the Incentive Compensation Award in respect of the fiscal year in which such Without Cause Termination or Constructive Discharge occurs (paid at the Target Level), provided that all performance
targets relating to such Incentive Compensation Award are attained. The amounts payable to the Executive by the Company pursuant to this Section VIII(A) shall be paid: (1) with respect to amounts set forth in Section VIII(A)(i) or (ii), no
later than thirty (30) days after the Without Cause Termination or Constructive Discharge occurs and (2) with respect to amounts set forth in Section VIII(A)(iii), at such time or times as incentive compensation awards in respect of the
fiscal year in which the Without Cause Termination or Constructive Discharge occurs are payable by the Company to its other executive 

  

 4 

 
officers. In addition, upon such event, all of the Executive’s outstanding and unvested stock options and any other equity awards or other
incentives or compensation that is subject to vesting will become immediately and fully vested and exercisable and all outstanding options, awards, incentives and compensation shall be extended and remain exercisable until the later of
(a) December 31st of the year in which they would otherwise have expired or (b) the 15th day of the third month following the month in which they would have expired. Furthermore, upon such event, the Executive shall be entitled to
continue coverage under all health and welfare plans for the Executive and members of the Executive’s immediate family, including medical and dental benefits, during the Continuation Period, with the Executive’s cost being no greater than
the cost applicable to the Executive had the Executive been an active, full-time employee of the Company during such period. 
 B.
Termination After a Change in Control. Notwithstanding anything herein to the contrary, if the Executive’s employment terminates due to either a Without Cause Termination or a Constructive Discharge during the six (6)-month period
immediately following a Change in Control (as defined below), then the Company will pay the Executive (or the Executive’s surviving spouse, estate or personal representative, as applicable), no later than thirty (30) days after such
Without Cause Termination or Constructive Discharge, a lump sum cash payment equal to the Executive’s then-current Base Salary, plus any and all Base Salary and Incentive Compensation Awards earned but unpaid through the date of such
termination. In addition, upon such event, all of the Executive’s outstanding and unvested stock options and any other equity awards or other incentives or compensation that is subject to vesting will become immediately and fully vested and
exercisable, and all outstanding options, awards, incentives and compensation shall be extended and remain exercisable until the later of (a) December 31st of the year in which they would otherwise have expired or (b) the 15th day of
the third month following the month in which they would have expired. Furthermore, upon such event, the Executive shall be entitled to continue coverage under all health and welfare plans for the Executive and members of the Executive’s
immediate family, including medical and dental benefits, during the twelve (12)-month period immediately following such termination, with the Executive’s cost being no greater than the cost applicable to the Executive had the Executive been an
active, full-time employee of the Company during such period. The payments to be made, and the benefits to be provided, by the Company to the Executive pursuant to this Section VIII(B) are in lieu of any payments, benefits or compensation the
Executive may otherwise be entitled to receive pursuant to Section VIII(A). 
 C. Termination for Cause; Resignation. If the
Executive’s employment terminates due to a Termination for Cause or a Resignation, Base Salary earned but unpaid as of the date of such termination will be paid to the Executive. Except as provided in this paragraph, the Company will have no
further obligations to the Executive hereunder. 
 D. Certain Definitions. For purposes of this Agreement, the following terms have
the following meanings: 
 (i) “Change in Control” means a “Change in Control” as defined from time to time in the
Company’s Amended and Restated 2004 Equity and Incentive Plan, as may be amended, or in any subsequent plan. 
  

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 (ii) “Constructive Discharge” means: (a) any material failure of the Company to fulfill
its obligations under this Agreement (including, without limitation, any reduction of the Base Salary, as the same may be increased during the Period of Employment, or other element of compensation); (b) a material and adverse change to the
Executive’s titles, positions, duties, scope of authority, and responsibilities to the Company (but specifically excluding the Executive no longer serving as a member of the Board due to failure to be re-elected thereto); or (c) the
Company fails to cause this Agreement to be assumed by any successor to the business of the Company. The Executive will provide the Company a written notice which describes the circumstances being relied on for the termination with respect to this
Agreement within thirty (30) days after the event giving rise to the notice. The Company will have thirty (30) days after receipt of such notice to remedy the situation prior to the effectiveness of termination for Constructive Discharge.

 (iii) “Guaranteed Payment Period” means the eighteen (18)-month period following the date of this Agreement. 
 (iv) “Monthly Base Salary” means, at any given time, the quotient obtained by dividing the Executive’s then-current Base Salary by twelve
(12). 
 (v) “Resignation” means a termination of the Executive’s employment by the Executive, other than in connection with a
Constructive Discharge. 
 (vi) “Termination for Cause” means: (a) the Executive’s willful failure to substantially
perform the Executive’s duties as an employee of the Company or any subsidiary thereof (other than any such failure resulting from incapacity due to physical or mental illness); (b) any act of fraud, misappropriation, embezzlement or
similar conduct, in each case against the Company or any subsidiary; (c) any act of material dishonesty or similar conduct against the Company or any subsidiary; (d) the Executive’s conviction of a felony or any crime involving moral
turpitude (which conviction, due to the passage of time or otherwise, is not subject to further appeal); (e) the Executive’s gross negligence in the performance of the Executive’s duties; (f) the Executive makes (or has been
found to have made) a false certification to the Company pertaining to its financial statements; or (g) if, in the sole determination of the Board, the Executive fails to perform the Executive’s duties in a competent manner and, after
written notice from the Board to the Executive of the specific areas of performance that are in need of improvement, the Executive has not made such improvements, within sixty (60) days after receipt of such notice, to the reasonable
satisfaction of the Board. The Company will provide the Executive a written notice which describes the circumstances being relied on for the termination with respect to this paragraph. With respect to each of subclauses (a), (b), (c), (d),
(e) and (f) of this paragraph, the Executive will have ten (10) days after receipt of such notice to remedy such situation prior to the effectiveness of the Termination for Cause with respect thereto, unless the Company reasonably and
in good faith determines that such situation is incurable. With respect to the situation described in subclause (g) of this paragraph, the effectiveness of the Termination for Cause with respect to such situation shall become effective
immediately upon the end of the sixty (60) day period stated in such subclause (g), unless the Company reasonably and in good faith determines that such situation is incurable. 
  

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 (vii) “Without Cause Termination” or “Terminated Without Cause” means termination of
the Executive’s employment by the Company other than due to death, disability, or Termination for Cause. 
 E. Conditions to Payment
and Acceleration. All payments due to the Executive under this Section VIII shall be made subject to the terms of this Agreement; provided, however, that such payments, shall be subject to, and contingent upon, the execution by the
Executive (or the Executive’s beneficiary or estate) of a release of any and all claims against the Company and its affiliates in such reasonable form agreed to by the Company and the Executive (which release will also require the Company to
execute a release of claims against the Executive for any and all claims, but only including claims which the Company is then aware of, and specifically excluding claims relating to fraud, criminal matters, and accounting irregularities). The
payments due to the Executive under this Section VIII shall be in lieu of any other severance benefits otherwise payable to the Executive under any severance plan of the Company or its affiliates and/or any other agreement or arrangement. Nothing
herein shall be construed as limiting the Executive’s entitlement to any other vested accrued benefits to which the Executive (or the Executive’s estate if applicable) is then entitled under the Company’s applicable employee benefit
plans, including, without limitation, any disability or death benefits which may become payable. 
 F. Resignation from the Board. The
Executive agrees that, in connection with any termination, and as a condition to receiving any payments under this Section VIII, the Executive shall resign from all directorships and committees of the Board of the Company and its subsidiaries if so
requested by the Board; provided, however, that following any such termination Executive may continue to serve as a member of the Board if the Executive continues to be re-nominated and re-elected thereto. 
 SECTION IX 
 OTHER DUTIES OF THE
EXECUTIVE 
 DURING AND AFTER THE PERIOD OF EMPLOYMENT 
 A. The Executive will, with reasonable notice during or after the Period of Employment, furnish information as may be in the Executive’s possession
and fully cooperate with the Company and its affiliates as may be requested in connection with any claims or legal action in which the Company or any of its affiliates is or may become a party. The foregoing shall not unreasonably interfere with the
Executive’s duties to any successor employer. 
 B. The Executive recognizes and acknowledges that all information pertaining to this
Agreement or to the affairs; business; results of operations; accounting methods, practices and procedures; members; acquisition candidates; financial condition; clients; customers or other relationships of the Company or its affiliates
(“Information”) is confidential and is a unique and valuable asset of the Company or any of its affiliates. Access to and knowledge of certain of the Information is essential to the performance of the Executive’s duties under this
Agreement. The Executive will not, during the Period of Employment or thereafter, except to the extent reasonably necessary in performance of the Executive’s duties under this Agreement, give to any person, firm, association, corporation, or
governmental agency any Information, except as may be required by law. The Executive will not make use of the Information for the Executive’s own 

  

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purposes or for the benefit of any person or organization other than the Company or any of its affiliates. The Executive will also use the Executive’s
best efforts to prevent the disclosure of this Information by others. All records, memoranda, etc. relating to the business of the Company or its affiliates, whether made by the Executive or otherwise coming into the Executive’s possession, are
confidential and will remain the property of the Company or its affiliates. 
 C. (i) During the Period of Employment and for the Post
Termination Period thereafter (collectively, the “Restricted Period”), the Executive will not use the Executive’s status with the Company or any of its affiliates to obtain loans, goods or services from another organization on terms
that would not be available to the Executive in the absence of the Executive’s relationship to the Company or any of its affiliates. For purposes of this Agreement, the “Post Termination Period” means a period of eighteen
(18) months following the Executive’s termination of employment if, in connection with such termination, the Executive receives severance under Sections VIII(A) or VIII(B) of this Agreement, and the Post Termination Period means a period
of one (1) year following the Executive’s termination in all other cases, irrespective of the cause, manner or time of such termination. 
 (ii) During the Restricted Period, the Executive will not make any statements or perform any acts intended to or which may have the effect of advancing the interest of any existing or prospective competitors of the Company or any of its
affiliates or in any way injuring the interests of the Company or any of its affiliates. During the Restricted Period, the Executive, without prior express written approval by the Company, will not engage in, or directly or indirectly (whether for
compensation or otherwise), own or hold proprietary interest in, manage, operate, or control, or join or participate in the ownership, management, operation or control of, or furnish any capital to or be connected in any manner with, any party which
competes in any way or manner with the business of the Company or any of its affiliates, as such business or businesses may be conducted from time to time, either as a general or limited partner, proprietor, common or preferred shareholder, officer,
director, agent, employee, consultant, trustee, affiliate, or otherwise. The Executive acknowledges that the Company’s and its affiliates’ businesses are conducted nationally and agrees that the provisions in the foregoing sentence will
operate throughout the United States. 
 (iii) During the Restricted Period, the Executive, without express prior written approval from the
Company, will not solicit any then-current clients of the Company or any of its affiliates for any existing business of the Company or any of its affiliates or discuss with any employee of the Company or any of its affiliates information or
operation of any business intended to compete with the Company or any of its affiliates. 
 (iv) During the Restricted Period, the Executive
will not interfere with the employees or affairs of the Company or any of its affiliates or solicit or induce any person who is an employee of the Company or any of its affiliates to terminate any relationship such person may have with the Company
or any of its affiliates, nor will the Executive during such period directly or indirectly engage, employ or compensate, or cause or permit any person with which the Executive may be affiliated, to engage, employ or compensate, any employee of the
Company or any of its affiliates. The Executive hereby represents and warrants that the Executive has not entered into any agreement, understanding or arrangement with any employee of the Company or any of its affiliates pertaining to any business
in which the Executive has 

  

 8 

 
participated or plans to participate, or to the employment, engagement or compensation of any such employee. 
 (v) For the purposes of this Agreement, proprietary interest means legal or equitable ownership, whether through stock holding or otherwise, of an equity
interest in a business, firm or entity or ownership of more than five percent (5%) of any class of equity interest in a publicly-held company and the term “affiliate” will include without limitation all subsidiaries and licensees of
the Company. 
 D. The Executive hereby acknowledges that damages at law may be an insufficient remedy to the Company if the Executive
violates the terms of this Agreement and that the Company will be entitled, upon making the requisite showing, to preliminary and/or permanent injunctive relief in any court of competent jurisdiction to restrain the breach of or otherwise to
specifically enforce any of the covenants contained in this Section IX without the necessity of showing any actual damage or that monetary damages would not provide an adequate remedy. Such right to an injunction will be in addition to, and not in
limitation of, any other rights or remedies the Company may have. Without limiting the generality of the foregoing, neither party will oppose any motion the other party may make for any expedited discovery or hearing in connection with any alleged
breach of this Section IX. 
 E. The period of time during which the provisions of this Section IX will be in effect will be extended by the
length of time during which the Executive is in breach of the terms hereof as determined by any court of competent jurisdiction on the Company’s application for injunctive relief. 
 F. The Executive agrees that the restrictions contained in this Section IX are an essential element of the compensation the Executive is granted
hereunder and but for the Executive’s agreement to comply with such restrictions, the Company would not have entered into this Agreement. 
 SECTION X 
 INDEMNIFICATION 
 The Company will indemnify the Executive to the fullest extent permitted by the laws of the state of the Company’s incorporation in effect at that time, or the certificate of incorporation and by-laws of the
Company, whichever affords the greater protection to the Executive. If applicable, the Company will maintain D&O insurance for the Executive on a basis no less favorable than it maintains for other officers of the Company. 
 SECTION XI 
 MITIGATION 

 The Executive will not be required to mitigate the amount of any payment provided for hereunder by seeking other employment or otherwise,
nor will the amount of any such payment be reduced by any compensation earned by the Executive as the result of employment by another employer after the date the Executive’s employment hereunder terminates or by offset against any amount
claimed to be owed by the Executive to the Company, or otherwise. 
  

 9 

 SECTION XII 
 EFFECT OF PRIOR AGREEMENTS 
 This Agreement constitutes the entire agreement between the
parties hereto and supersedes all prior employment agreements, understandings and arrangements (oral or written) between the parties hereto. 
 SECTION XIII 
 CONSOLIDATION, MERGER OR SALE OF ASSETS 
 Nothing in this Agreement will preclude the Company from consolidating or merging into or with, or transferring all or substantially all of its assets
to, another corporation or entity which assumes this Agreement and all obligations and undertakings of the Company hereunder. Upon such a consolidation, merger or sale of assets the term “the Company” will mean the other corporation or
entity and this Agreement will continue in full force and effect. In addition to the obligations imposed by law upon any successor to the Company will require any successor (by purchase, merger, consolidation or otherwise) to all or substantially
all of the business and/or assets of the Company, by agreement in form and substance reasonably satisfactory to the Executive, to expressly assume and agree to perform this Agreement in the same manner and to the same extent that the Company would
be required to perform it if no such succession had taken place. Failure of the Company to obtain such agreement prior to the effectiveness of such succession shall be a breach of this Agreement and shall entitle the Executive to compensation from
the Company in the same amount and on the same terms as the Executive would be entitled to hereunder if the Executive’s employment were to terminate in a Without Cause Termination provided in Sections VIII(A) or VIII(B) hereof, except that the
date on which any such succession becomes effective shall be deemed the date of the Executive’s termination of employment. 
 SECTION
XIV 
 MODIFICATION; WAIVER 
 This Agreement may not be modified or amended except in writing signed by the parties. No term or condition of this Agreement will be deemed to have been waived except in writing by the party charged with waiver. A
waiver will operate only as to the specific term or condition waived and will not constitute a waiver for the future or act on anything other than that which is specifically waived. This Agreement may be amended or modified only by a written
instrument signed by the Executive and by an expressly authorized representative of the Company. 
 SECTION XV 
 GOVERNING LAW 
 This Agreement
has been executed and delivered in the State of New Jersey and its validity, interpretation, performance and enforcement will be governed by the internal laws of that state. 
  

 10 

 SECTION XVI 
 ARBITRATION 
 A. Any controversy, dispute or claim arising out of or relating to this
Agreement or the breach hereof which cannot be settled by mutual agreement (other than with respect to the matters covered by Section IX for which the Company may, but will not be required to, seek injunctive relief) will be finally settled by
binding arbitration in accordance with the Federal Arbitration Act (or if not applicable, the applicable state arbitration law) as follows: Any party who is aggrieved will deliver a notice to the other party setting forth the specific points in
dispute. Any points remaining in dispute twenty (20) days after the giving of such notice may be submitted to arbitration in Parsippany, New Jersey, to the American Arbitration Association, before a single arbitrator appointed in accordance
with the arbitration rules of the American Arbitration Association, modified only as herein expressly provided. After the aforesaid twenty (20) days, either party, upon ten (10) days notice to the other, may so submit the points in dispute
to arbitration. The arbitrator may enter a default decision against any party who fails to participate in the arbitration proceedings. 
 B.
The decision of the arbitrator on the points in dispute will be final, unappealable and binding, and judgment on the award may be entered in any court having jurisdiction thereof. 
 C. Except as otherwise provided in this Agreement, the arbitrator will be authorized to apportion its fees and expenses and the reasonable
attorneys’ fees and expenses of any such party as the arbitrator deems appropriate. In the absence of any such apportionment, the fees and expenses of the arbitrator will be borne equally by each party, and each party will bear the fees and
expenses of its own attorney. 
 D. The parties agree that this Section XVI has been included to rapidly and inexpensively resolve any
disputes between them with respect to this Agreement, and that this Section XVI will be grounds for dismissal of any court action commenced by either party with respect to this Agreement, other than post-arbitration actions seeking to enforce an
arbitration award. In the event that any court determines that this arbitration procedure is not binding, or otherwise allows any litigation regarding a dispute, claim, or controversy covered by this Agreement to proceed, the parties hereto hereby
waive any and all right to a trial by jury in or with respect to such litigation. 
 E. The parties will keep confidential, and will not
disclose to any person, except as may be required by law, the existence of any controversy hereunder, the referral of any such controversy to arbitration or the status or resolution thereof. 
 SECTION XVII 
 SURVIVAL 
 Sections VIII, IX, X, XI, XII, XIII, XV, XVI and XVIII will continue in full force in accordance with their respective terms notwithstanding any
termination of the Period of Employment. 
  

 11 

 SECTION XVIII 
 SECTION 409A COMPLIANCE 
 A. This Agreement shall be interpreted to avoid any penalty
sanctions under Section 409A of the Internal Revenue Code of 1986, as amended (“Section 409A”). If any payment or benefit cannot be provided or made at the time specified herein without incurring sanctions under Section 409A,
then such benefit or payment shall be provided in full at the earliest time thereafter when such sanctions will not be imposed. For purposes of Section 409A, (i) all payments to be made upon a termination of employment under this Agreement
may only be made upon a “separation from service” within the meaning of such term under Section 409A, (ii) each payment made under this Agreement shall be treated as a separate payment and (iii) the right to a series of
installment payments under this Agreement is to be treated as a right to a series of separate payments. In no event shall the Executive, directly or indirectly, designate the calendar year of payment. 
 B. All reimbursements and in-kind benefits provided under this Agreement shall be made or provided in accordance with the requirements of
Section 409A, including, where applicable, the requirements that (i) any reimbursement is for expenses incurred during the Executive’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 on or before the last day of the calendar year following the year in which the expense is incurred and (iv) the right to reimbursement or in-kind benefits is not subject to liquidation or exchange for another
benefit. 
 C. Notwithstanding any provision in this Agreement to the contrary, if, at the time of the Executive’s separation from
service with the Company, the Company has securities which are publicly traded on an established securities market, the Executive is a “specified employee” (as defined in Section 409A) and it is necessary to postpone the commencement
of any severance payments otherwise payable pursuant to this Agreement as a result of such separation from service to prevent any accelerated or additional tax under Section 409A, then the Company will postpone the commencement of the payment
of any such payments or benefits hereunder (without any reduction in such payments or benefits ultimately paid or provided to the Executive) that are not otherwise exempt from Section 409A until the first payroll date that occurs after the date
that is six (6) months following the Executive’s separation from service with the Company (as determined under Section 409A). If any payments are postponed pursuant to this Section XVIII(C), then such postponed amounts will be paid in
a lump sum to the Executive on the first payroll date that occurs after the date that is six (6) months following the Executive’s separation from service with the Company. If the Executive dies during the postponement period prior to the
payment of any postponed amount, such amount shall be paid to the personal representative of Executive’s estate within sixty (60) days after the date of the Executive’s death. 
  

 12 

 SECTION XIX 
 SEPARABILITY 
 All provisions of this Agreement are intended to be severable. In the event any
provision or restriction contained herein is held to be invalid or unenforceable in any respect, in whole or in part, such finding will in no way affect the validity or enforceability of any other provision of this Agreement. The parties hereto
further agree that any such invalid or unenforceable provision will be deemed modified so that it will be enforced to the greatest extent permissible under law, and to the extent that any court of competent jurisdiction determines any restriction
herein to be unreasonable in any respect, such court may limit this Agreement to render it reasonable in the light of the circumstances in which it was entered into and specifically enforce this Agreement as limited. 
 [Signature page follows.] 
  

 13 

 IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the date first above
written. 
  

			
	JACKSON HEWITT TAX SERVICE INC.
		
	By:	 	/s/ Peter N. Karpiak
	 Name:
 Title: 
	 	 Peter N. Karpiak
 Senior Vice President, Human
Resources
 & Corporate Services

  
  
  

	
	
	
	/s/ Harry W. Buckley
	HARRY W. BUCKLEY

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