Document:

Texas United Bancshares, Inc. 2004 Stock Incentive Plan

 EXHIBIT 4.3 
 TEXAS UNITED BANCSHARES, INC. 
 2004 STOCK INCENTIVE PLAN 
 1. PURPOSE 
 The purpose of the TEXAS
UNITED BANCSHARES, INC. 2004 STOCK INCENTIVE PLAN (the “Plan”) is to provide a means through which Texas United Bancshares, Inc., a Texas corporation (the “Company”), and its subsidiaries, may attract able persons to the Company
and to provide a means whereby those employees and Directors, upon whom the responsibilities of the successful administration and management of the Company rest, and whose present and potential contributions to the welfare of the Company are of
importance, can acquire and maintain stock ownership, thereby strengthening their concern for the welfare of the Company and their desire to remain in its employ or service. A further purpose of the Plan is to provide such employees and Directors
with additional incentive and reward opportunities designed to enhance the profitable growth of the Company. Accordingly, the Plan provides for granting Incentive Stock Options, Nonqualified Stock Options, Restricted Stock Awards or any combination
of the foregoing, as is best suited to the circumstances of the particular Holder as provided herein. 
 2. DEFINITIONS 
 The following definitions shall be applicable throughout the Plan unless specifically modified by any paragraph: 
  

	 	(a)	“Affiliates” means any “parent corporation” of the Company and any “subsidiary corporation” of the Company within the meaning of Code Sections 424(e)
and (f), respectively. 

  

	 	(b)	“Award” means, individually or collectively, any Option or Restricted Stock Award. 

  

	 	(c)	“Board” means the Board of Directors of the Company. 

  

	 	(d)	“Change of Control” means the occurrence of any of the following events: (i) the Company shall not be the surviving entity in any merger, consolidation or other
reorganization (or survives only as a subsidiary of an entity other than a previously wholly-owned subsidiary of the Company); (ii) the Company’s subsidiary bank is merged or consolidated into, or otherwise acquired by, an entity other
than a wholly-owned subsidiary of the Company; (iii) the Company sells, leases or exchanges all or substantially all of its assets to any other person or entity (other than a wholly-owned subsidiary of the Company); (iv) the Company is to
be dissolved and liquidated; (v) any person or entity, including a “group” as contemplated by Section 13(d)(3) of the 1934 Act, acquires or gains ownership or control (including, without limitation, power to vote or control the
voting) of more than 50% of the outstanding shares of the Company’s voting stock (based upon voting power) or (vi) as a result of or in connection with a contested election of directors, the persons who were directors of the Company before
such election shall cease to constitute a majority of the Board. 

 (e) “Change of Control Value” shall mean
(i) the per share price offered to shareholders of the Company in any such merger, consolidation, reorganization, sale of assets or dissolution transaction; (ii) the price per share offered to shareholders of the Company in any tender
offer or exchange offer whereby a Change of Control takes place or (iii) if such Change of Control occurs other than pursuant to a tender or exchange offer, the Fair Market Value per share of the shares into which Awards are exercisable, as
determined by the Committee, whichever is applicable. In the event that the consideration offered to shareholders of the Company consists of anything other than cash, the Committee shall determine the fair cash equivalent of the portion of the
consideration offered which is other than cash. 
  

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	 	(f)	“Code” means the Internal Revenue Code of 1986, as amended. Reference in the Plan to any section of the Code shall be deemed to include any amendments or successor
provisions to any section and any regulations under such section. 

  

	 	(g)	“Committee” means the Compensation Committee of the Board which shall be (i) constituted so as to permit the Plan to comply with Rule 16b-3 promulgated by the
Securities and Exchange Commission (“Rule 16b-3”) under the 1934 Act and (ii) constituted solely of “outside directors” within the meaning of Code Section 162(m) and applicable interpretive authority thereunder.

  

	 	(h)	“Company” means Texas United Bancshares, Inc. and any of its Affiliates. 

  

	 	(i)	“Director” means an individual elected to the Board by the shareholders of the Company or by the Board under applicable corporate law who is serving on the Board on the
date the Plan is adopted by the Board or is elected to the Board after such date. 

  

	 	(j)	An “employee” means any person (excluding a Non-Employee Director), including an officer, in an employment relationship with the Company or any parent or subsidiary
corporation (as defined in section 424 of the Code). 

  

	 	(k)	“1934 Act” means the Securities Exchange Act of 1934, as amended. 

  

	 	(l)	“Fair Market Value” means, as of any specified date, the mean of the high and low sales prices of the Stock (i) reported by the any interdealer quotation system on
which the Stock is quoted on that date or (ii) if the Stock is listed on a national stock exchange, reported on the stock exchange composite tape on that date; or, in either case, if no prices are reported on that date, on the last preceding
date on which such prices of the Stock are so reported. If the Stock is traded over the counter at the time a determination of its fair market value is required to be made hereunder, its fair market value shall be deemed to be equal to the average
between the reported high and low or closing bid and asked prices of Stock on the most recent date on which Stock was publicly traded. In the event Stock is not publicly traded at the time a determination of its value is required to be made
hereunder, the determination of its fair market value shall be made by the Committee in such manner as it deems appropriate. 

  

	 	(m)	“Holder” means an employee or Director who has been granted an Award. 

  

	 	(n)	“Incentive Stock Option” means an option that is designated as an incentive stock option within the meaning of section 422(b) of the Code. 

  

	 	(o)	“Non-Employee Director” means an individual who is a Director of the Company and who is not an employee of the Company or any Affiliate. 

  

	 	(p)	“Nonqualified Stock Option” means an option granted under Paragraph 7 of the Plan, to purchase Stock which does not constitute an Incentive Stock Option.

  

	 	(q)	“Option” means an Award granted under Paragraph 7 of the Plan and includes Incentive Stock Options to purchase Stock and Nonqualified Stock Options to purchase Stock.

  

	 	(r)	“Option Agreement” means a written agreement between the Company and a Holder with respect to an Option. 

  

	 	(s)	“Plan” means the Texas United Bancshares, Inc. 2004 Stock Incentive Plan, as amended from time to time. 

  

	 	(t)	“Restricted Stock Agreement” means a written agreement between the Company and a Holder with respect to a Restricted Stock Award. 

  

	 	(u)	“Restricted Stock Award” means an Award granted under Paragraph 8 of the Plan. 

  

	 	(v)	“Stock” means the common stock, $1.00 par value per share, of the Company. 

  

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 3. EFFECTIVE DATE AND DURATION OF THE PLAN 
 The Plan shall be effective upon the date of its adoption by the Board, provided that the Plan is approved by the shareholders of the Company within
twelve months thereafter. No further Awards may be granted under the Plan after the expiration of ten years from the date of its adoption by the Board. The Plan shall remain in effect until all Awards granted under the Plan have been satisfied or
expired. 
 4. ADMINISTRATION 
 (a) Committee. The Plan shall be administered by the Committee. 
 (b) Powers. Subject to the provisions of the Plan, the Committee
shall have sole authority, in its discretion, to determine which employees or Directors shall receive an Award, the time or times when such Award shall be made, whether an Incentive Stock Option, Nonqualified Stock Option or Restricted Stock Award
shall be granted and the number of shares of Stock which may be issued under each Option or Restricted Stock Award; subject to approval by a majority of the outside Directors (as determined under Section 162(m) of the Code) of the Board of
Directors. In making such determinations, the Committee may take into account the nature of the services rendered by the respective employees or Directors, their present and potential contributions to the Company’s success and such other
factors as the Committee in its discretion shall deem relevant. 
 (c) Additional Powers. The Committee shall have such additional powers as
are delegated to it by the other provisions of the Plan. Subject to the express provisions of the Plan, the Committee is authorized to construe the Plan and the respective agreements executed thereunder, to prescribe such rules and regulations
relating to the Plan as it may deem advisable to carry out the Plan, and to determine the terms, restrictions and provisions of each Award, including such terms, restrictions and provisions as shall be requisite in the judgment of the Committee to
cause designated Options to qualify as Incentive Stock Options, and to make all other determinations necessary or advisable for administering the Plan. The Committee may correct any defect or supply any omission or reconcile any inconsistency in any
agreement relating to an Award in the manner and to the extent it shall deem expedient to carry it into effect. The determinations of the Committee on the matters referred to in this Article 4 shall be conclusive. 
 5. GRANT OF OPTIONS AND RESTRICTED STOCK AWARDS; 
 SHARES SUBJECT TO THE PLAN 
 (a) Stock Grant and Award Limits. The Committee may from time to time
grant Awards to one or more employees or Directors determined by it to be eligible for participation in the Plan in accordance with the provisions of Paragraph 6. Subject to Paragraph 9, the aggregate number of shares of Stock that may be issued
under the Plan shall not exceed 250,000 shares. Shares of Stock shall be deemed to have been issued under the Plan only to the extent actually issued and delivered pursuant to an Award. To the extent that an Award lapses or the rights of its Holder
terminate or the Award is paid in cash, any shares of Stock subject to such Award shall again be available for the grant of an Award. Separate stock certificates shall be issued by the Company for those shares acquired pursuant the exercise of an
Incentive Stock Option and for those shares acquired pursuant to the exercise of a Nonqualified Stock Option. 
 (b) Stock Offered. The stock
to be offered pursuant to the grant of an Award may be authorized but unissued Stock or Stock previously issued and outstanding and reacquired by the Company. 
 6. ELIGIBILITY 
 Awards may be granted only to persons who, at the time of grant, are employees or
Directors. An Award may be granted on more than one occasion to the same person, and, subject to the limitations set forth in the Plan, such Award may include an Incentive Stock Option or a Nonqualified Stock Option, a Restricted Stock Award or any
combination thereof. 
  

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 7. STOCK OPTIONS 
 (a) Option Period. The term of each Option shall be as specified by the Committee at the date of grant, provided that the term of an Incentive Stock Option cannot exceed ten years from the date of grant. 

(b) Limitations on Exercise of Option. An Option shall be exercisable in whole or in such installments and at such times as determined by the
Committee. 
 (c) Special Limitations on Incentive Stock Options. No more than 250,000 shares of Stock may be subject to Incentive Stock
Options. Incentive Stock Options may be granted only to employees. To the extent that the aggregate Fair Market Value (determined at the time the respective Incentive Stock Option is granted) of Stock with respect to which Incentive Stock Options
are exercisable for the first time by an individual during any calendar year under all incentive stock option plans of the Company and its parent and subsidiary corporations exceeds $100,000, such Incentive Stock Options shall be treated as
Nonqualified Stock Options. The Committee shall determine, in accordance with applicable provisions of the Code, Treasury Regulations and other administrative pronouncements, which of an optionee’s Incentive Stock Options will not constitute
Incentive Stock Options because of such limitation and shall notify the Holder of such options of such determination as soon as practicable after such determination. No Incentive Stock Option shall be granted to an individual if, at the time the
Option is granted, such individual owns stock possessing more than 10% of the total combined voting power of all classes of stock of the Company or of its parent or subsidiary corporation, within the meaning of section 422(b)(6) of the Code, unless
(i) at the time such Option is granted the option price is at least 110% of the Fair Market Value of the Stock subject to the Option and (ii) such Option by its terms is not exercisable after the expiration of five years from the date of
grant. 
 (d) Option Agreement. Each Option shall be evidenced by an Option Agreement in such form and containing such provisions not
inconsistent with the provisions of the Plan as the Committee from time to time shall approve, including, without limitation, provisions to qualify an Incentive Stock Option under section 422 of the Code. No individual may be granted in any calendar
year Options to purchase more than shares of Stock. An Option Agreement may provide for the payment of the option price, in whole or in part, by the delivery of a number of shares of Stock (plus cash if necessary) having a Fair Market Value equal to
such option price. Each Option Agreement shall specify the effect of termination of employment or the cessation of serving on the Board on the exercisability of the Option. Moreover, an Option Agreement may provide for a “cashless
exercise” of the Option by establishing specific procedures related to such cashless exercise. Such Option Agreement may also include, without limitation, provisions relating to (i) vesting of Options, subject to the provisions hereof
accelerating such vesting on a Change of Control; (ii) tax matters (including provisions (y) permitting the delivery of additional shares of Stock or the withholding of shares of Stock from those acquired upon exercise to satisfy federal
or state income tax withholding requirements and (z) dealing with any other applicable employee wage withholding requirements) and (iii) any other matters not inconsistent with the terms and provisions of this Plan that the Committee shall
in its sole discretion determine. The terms and conditions of the respective Option Agreements need not be identical. 
 (e) Option Price and
Payment. The price at which a share of Stock may be purchased upon exercise of an Option shall be determined by the Committee, but (i) such purchase price shall not be less than the Fair Market Value of Stock subject to an Incentive Stock
Option on the date such Incentive Stock Option, as the case may be, is granted and (ii) such purchase price shall be subject to adjustment as provided in Paragraph 9. The Option or portion thereof may be exercised by delivery of an irrevocable
notice of exercise to the Company. The purchase price of the Option or portion thereof shall be paid in full in the manner prescribed by the Committee. 
 (f) Shareholder Rights and Privileges. The Holder shall be entitled to all the privileges and rights of a shareholder only with respect to such shares of Stock as have been purchased under the Option and for which
certificates of stock have been registered in the Holder’s name. 
  

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 (g) Options in Substitution for Stock Options Granted by Other Corporations. Options may be granted under
the Plan from time to time in substitution for stock options held by individuals employed by corporations who become employees as a result of a merger or consolidation of the employing corporation with the Company or any subsidiary, or the
acquisition by the Company or a subsidiary of the assets of the employing corporation, or the acquisition by the Company or a subsidiary of stock of the employing corporation with the result that such employing corporation becomes a subsidiary.

 8. RESTRICTED STOCK AWARDS 
 (a) Forfeiture Restrictions to be Established by the Committee. Shares of Stock that are the subject of a Restricted Stock Award shall be subject to restrictions on disposition by the Holder and an obligation of the Holder to forfeit and
surrender the shares to the Company under certain circumstances (the “Forfeiture Restrictions”). The Forfeiture Restrictions shall be determined by the Committee in its sole discretion, and the Committee may provide that the Forfeiture
Restrictions shall lapse upon (i) the attainment of targets established by the Committee that are based on (a) the price of a share of Stock, (b) the Company’s earnings per share, (c) the Company’s revenue, (d) the
revenue of a business unit of the Company designated by the Committee, (e) the return on shareholders’ equity achieved by the Company or (f) the Company’s pre-tax cash flow from operations; (ii) the Holder’s continued
employment with the Company for a specified period of time or (iii) a combination of any two or more of the factors listed in clauses (i) and (ii) of this sentence. Each Restricted Stock Award may have different Forfeiture
Restrictions, in the discretion of the Committee. The Forfeiture Restrictions applicable to a particular Restricted Stock Award shall not be changed except as permitted by Paragraph 8(b) or Paragraph 9. 
 (b) Date of Lapse of Forfeiture Restrictions to be Established by the Committee. The Committee, at the time of grant of a Restricted Stock Award, shall
specify the date or dates (which may depend upon or be related to the attainment of targets and other conditions as set forth above) on which the Forfeiture Restrictions shall lapse. The Committee at any time may accelerate such date or dates and
otherwise waive or amend any conditions of the grant; provided, however, the Committee may not take any action described in this paragraph with respect to a Restricted Stock Award that has been granted to a “covered employee” (within the
meaning of Treasury Regulation sec. 1.162-27(c)(2)) if such Restricted Stock Award has been designed to meet the exception for performance-based compensation under Section 162(m) of the Code. With respect to a Restricted Stock Award granted to
a “covered employee,” if the Forfeiture Restrictions imposed upon such Restricted Stock Award are based on the attainment of performance goals, the Committee shall certify in writing that such performance goals have been attained.

 (c) Other Terms and Conditions. No individual may be awarded in any calendar year more than shares of Stock that are subject to a
Restricted Stock Award. Stock awarded pursuant to a Restricted Stock Award shall be represented by a stock certificate registered in the name of the Holder of such Restricted Stock Award. The Holder shall have the right to receive dividends with
respect to Stock subject to a Restricted Stock Award, to vote Stock subject thereto and to enjoy all other shareholder rights, except that (i) the Holder shall not be entitled to delivery of the stock certificate until the Forfeiture
Restrictions shall have expired; (ii) the Company shall retain custody of the Stock until the Forfeiture Restrictions shall have expired; (iii) the Holder may not sell, transfer, pledge, exchange, hypothecate or otherwise dispose of the
Stock until the Forfeiture Restrictions shall have expired and (iv) a breach of the terms and conditions established by the Committee pursuant to the Restricted Stock Agreement shall cause a forfeiture of the Restricted Stock Award. At the time
of such Award, the Committee may, in its sole discretion, prescribe additional terms, conditions or restrictions relating to Restricted Stock Awards, including, but not limited to, rules pertaining to the termination of employment or the cessation
of serving on the Board (by retirement, disability, death or otherwise) of a Holder prior to expiration of the Forfeiture Restrictions. Such additional terms, conditions or restrictions shall be set forth in a Restricted Stock Agreement made in
conjunction with the Award. Such Restricted Stock Agreement may also include, without limitation, provisions relating to (i) vesting of Awards, subject to the provisions hereof accelerating vesting on a Change of Control; (ii) tax matters
(including provisions (y) covering any 

  

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applicable employee wage withholding requirements and (z) prohibiting an election by the Holder under Section 83(b) of the Code); and
(iii) any other matters not inconsistent with the terms and provisions of this Plan that the Committee shall in its sole discretion determine. The terms and conditions of the respective Restricted Stock Agreements need not be identical.

 (d) Payment for Restricted Stock. The Committee shall determine the amount and form of any payment for Stock received pursuant to a
Restricted Stock Award, provided that in the absence of such a determination, a Holder shall not be required to make any payment for Stock received pursuant to a Restricted Stock Award, except to the extent otherwise required by law. 
 (e) Agreements. At the time any Award is made under this Paragraph 8 the Company and the Holder shall enter into a Restricted Stock Agreement setting
forth each of the matters as the Committee may determine to be appropriate. The terms and provisions of the respective Restricted Stock Agreements need not be identical. 
 9. RECAPITALIZATION OR REORGANIZATION 
 (a) In the event of changes in the
outstanding Stock by reason of a stock split, stock dividend, combination of shares or other relevant changes in capitalization, the number and kind of shares of Stock or other securities which are subject to this Plan or subject to any Awards
theretofore granted, and the exercise prices shall be appropriately and equitably adjusted so as to maintain the proportionate number of shares or other securities without changing the aggregate exercise price. 
 (b) If the Company recapitalizes or otherwise changes its capital structure, thereafter upon any exercise or satisfaction, as applicable,
of an Award theretofore granted the Holder shall be entitled to (or entitled to purchase, if applicable) under such Award, in lieu of the number of shares of Stock then covered by such Award, the number and class of shares of stock and securities to
which the Holder would have been entitled pursuant to the terms of the recapitalization if, immediately prior to such recapitalization, the Holder had been the holder of record of the number of shares of Stock then covered by such Award. 

(c) Upon the occurrence of a Change of Control, all Awards shall immediately vest and become exercisable or satisfiable, as
applicable. The Committee, in its discretion, may determine that upon the occurrence of a Change of Control, each Award other than an Option outstanding hereunder shall terminate within a specified number of days after notice to the Holder, and such
Holder shall receive, with respect to each share of Stock subject to such Award, cash in an amount equal to the excess, if any, of the Change of Control Value over the exercise price. Further, upon the occurrence of a Change of Control, the
Committee, in its discretion, shall act to effect one or more of the following alternatives with respect to outstanding Options, which may vary among individual Holders and which may vary among Options held by any individual Holder:
(i) determine a limited period of time for the exercise of such Options on or before a specified date (before or after such Change of Control) after which specified date all unexercised Options and all rights of Holders thereunder shall
terminate; (ii) require the mandatory surrender to the Company by selected Holders of some or all of the outstanding Options held by such Holders (irrespective of whether such Options are then exercisable under the provisions of the Plan) as of
a date, before or after such Change of Control, specified by the Committee, in which event the Committee shall thereupon cancel such Options and the Company shall pay to each Holder an amount of cash per share equal to the excess, if any, of the
Change of Control Value of the shares subject to such Option over the option price(s) under such Options for such shares; (iii) make such adjustments to Options then outstanding as the Committee deems appropriate to reflect such Change of
Control (provided, however, that the Committee may determine in its sole discretion that no adjustment is necessary to Options then outstanding) or (iv) provide that thereafter upon any exercise of an Option theretofore granted the Holder shall
be entitled to purchase under such Option, in lieu of the number of shares of Stock then covered by such Option the number and class of shares of stock or other securities or property (including, without limitation, cash) to which the Holder would
have been entitled pursuant to the terms of the agreement of merger, consolidation or sale of assets and dissolution if, immediately prior to such merger, consolidation 

  

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or sale of assets and dissolution the Holder has been the holder of record of the number of shares of Stock then covered by such Option. The provisions
contained in this paragraph shall not alter or terminate any rights of the Holder to further payments pursuant to any other agreement with the Company following a Change of Control. 
 (d) The existence of the Plan and the Awards granted hereunder shall not affect in any way the right or power of the Board or the
shareholders of the Company to make or authorize any adjustment, recapitalization, reorganization or other change in the Company’s capital structure or its business, any merger or consolidation of the Company, any issue of debt or equity
securities ahead of or affecting Stock or the rights thereof, the dissolution or liquidation of the Company or any sale, lease, exchange or other disposition of all or any part of its assets or business or any other corporate act or proceeding.

 (e) Any adjustment provided for in Subparagraphs (a), (b) or (c) above shall be subject to any required
shareholder action. 
 (f) Except as hereinbefore expressly provided, the issuance by the Company of shares of stock of any
class or securities convertible into shares of stock of any class, for cash, property, labor or services, upon direct sale, upon the exercise of rights or warrants to subscribe therefor, or upon conversion of shares of obligations of the Company
convertible into such shares or other securities, and in any case whether or not for fair value, shall not affect, and no adjustment by reason thereof shall be made with respect to, the number of shares of Stock subject to Awards theretofore granted
or the exercise price per share, if applicable. 
 10. AMENDMENT AND TERMINATION OF THE PLAN 
 The Board in its discretion may terminate the Plan at any time with respect to any shares for which Awards have not theretofore been granted. The Board
shall have the right to alter or amend the Plan or any part thereof from time to time; provided that no change in any Award theretofore granted may be made which would impair the rights of the Holder without the consent of the Holder (unless such
change is required in order to cause the benefits under the Plan to qualify as performance-based compensation within the meaning of section 162(m) of the Code and applicable interpretive authority thereunder), and provided, further, that the Board
may not, without approval of the shareholders, amend the Plan: 
  

	 	(a)	to increase the maximum number of shares which may be issued on exercise or surrender of an Award, except as provided in Paragraph 9; 

  

	 	(b)	to change the Option price; 

  

	 	(c)	to change the class of employees or Directors eligible to receive Awards or materially increase the benefits accruing to employees or Directors under the Plan;

  

	 	(d)	to extend the maximum period during which Awards may be granted under the Plan; 

  

	 	(e)	to modify materially the requirements as to eligibility for participation in the Plan; 

  

	 	(f)	to decrease any authority granted to the Committee hereunder in contravention of Rule 16b-3; or 

  

	 	(g)	in any other manner that would require shareholder approval under Rule 16b-3, the exchange on which Stock is listed, or Sections 162(m) or 422 of the Code or any successor
provisions. 

 11. MISCELLANEOUS 
 (a) No Right to An Award. Neither the adoption of the Plan by the Company nor any action of the Board or the Committee shall be deemed to give an employee or Director any right to be granted an Award to purchase Stock
or a Restricted Stock Award or any of the rights hereunder except as may be evidenced by an Award or by an Option Agreement or Restricted Stock Agreement on behalf of the 

  

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Company, and then only to the extent and on the terms and conditions expressly set forth therein. The Plan shall be unfunded. The Company shall not be
required to establish any special or separate fund or to make any other segregation of funds or assets to assure the payment of any Award. 
 (b) No Employment or Service Rights Conferred. Nothing contained in the Plan shall (i) confer upon any employee or Director any right with respect to continuation of employment or service with the Company or any subsidiary or
(ii) interfere in any way with the right of the Company or any subsidiary to terminate his or her employment or service at any time. 
 (c) Compliance With Other Laws; Withholding. The Plan, the grant and exercise of Awards thereunder, and the obligation of the Company to sell and deliver shares under such Awards, shall be subject to all applicable federal and state laws,
rules and regulations and to such approvals by any governmental or regulatory agency as may be required. The Company shall not be obligated to issue any Stock pursuant to any Award granted under the Plan at any time when the shares covered by such
Award have not been registered under any state and federal laws, rules or regulations as the Company or the Committee deems applicable and, in the opinion of legal counsel for the Company, there is no exemption from the registration requirements of
such laws, rules or regulations available for the issuance and sale of such shares. No fractional shares of Stock shall be delivered, nor shall any cash in lieu of fractional shares be paid. The Company shall have the right to deduct in connection
with all Awards any taxes required by law to be withheld and to require any payments required to enable it to satisfy its withholding obligations. 
 (d) No Restriction on Corporate Action. Nothing contained in the Plan shall be construed to prevent the Company or any subsidiary from taking any corporate action which is deemed by the Company or such subsidiary to be appropriate or in its
best interest, whether or not such action would have an adverse effect on the Plan or any Award made under the Plan. No employee, director, beneficiary or other person shall have any claim against the Company or any subsidiary as a result of any
such action. 
 (e) Restrictions on Transfer. An Award shall not be transferable otherwise than by will or the laws of descent and
distribution or pursuant to a “qualified domestic relations order” as defined by the Code or Title I of the Employee Retirement Income Security Act of 1974, as amended, or the rules thereunder, and shall be exercisable during the
Holder’s lifetime only by such Holder or the Holder’s guardian or legal representative. 
 (f) Section 162(m). If the Company
is subject to 162(m) of the Code, it is intended that the Plan comply fully with and meet all the requirements of Section 162(m) of the Code and regulations promulgated thereunder so that Options granted hereunder and, if determined by the
Committee, Restricted Stock Awards, shall constitute “performance-based” compensation within the meaning of such section. If any provision of the Plan would disqualify the Plan or would not otherwise permit the Plan to comply with
Section 162(m) as so intended, such provision shall be construed or deemed amended to conform to the requirements or provisions of Section 162(m); provided that no such construction or amendment shall have an adverse effect on the economic
value to a Holder of any Award previously granted hereunder. With respect to any Award granted to a “covered employee” (as defined in Section 162(m)(3) of the Code), if the payment of such Award is contingent on the satisfaction of
performance goals, such performance goals shall be established in writing by the Committee not later than ninety (90) days after the commencement of the period of service to which the performance goals relate; provided, however, that the
performance goals must be established before twenty-five percent (25%) of such period of service has elapsed. The performance goals shall comply with the requirements of Treasury Regulation Section 1.162-27(e)(2). The Committee shall
certify in writing prior to payment of any such Award that such performance goals have been satisfied. 
 (g) Rule 16b-3. It is intended that
the Plan and any grant of an Award made to a person subject to Section 16 of the 1934 Act meet all of the requirements of Rule 16b-3. If any provision of the Plan or any such Award would disqualify the Plan or such Award under, or would
otherwise not comply with, Rule 16b-3, such provision or award shall be construed or deemed amended to conform to Rule 16b-3. 
 (h)
Governing Law. This Plan shall be construed in accordance with the laws of the State of Texas. 
  

 81998 Incentive Stock Option Plan for Gateway Holding Company, Inc.

 Exhibit 4.4 
 1998 INCENTIVE STOCK OPTION PLAN 
 FOR 
 GATEWAY HOLDING COMPANY, INC. 
 1. Purpose. The purpose of this Gateway
Holding Company, Inc. 1998 Stock Option Plan (the “Plan”) is to encourage ownership of common stock, $1.00 par value, (“Common Stock”), of Gateway Holding Company, Inc. (the “Company”), a Texas corporation which
controls Gateway National Bank, a national banking association (the “Bank”), by eligible key officers of the Company and the Bank and to provide increased incentive for such officers to render services and to exert maximum effort for the
business success of the Company and the Bank. In addition, the Company expects that the Plan will further strengthen the identification of the officers with the Company’s shareholders. 
 2. Definitions. As used herein, the following terms shall have the meaning indicated: 
 “Board” shall mean the Board of Directors of Company. 
 (b) “Code” shall mean the Internal Revenue Code of 1986, as it now exists or may be amended from time to time. 
 (c) “Committee” shall mean those Disinterested Persons serving on the Compensation Committee of Company as its composition may change from time
to time or the stock option committee appointed by the Board as set forth in Section 13 hereof if there be no then functioning Compensation Committee. 
 “Director” shall mean a member of the Board. 
 (e) “Disinterested Person” shall mean a
person who, at the time he acts on the granting of any Option is not eligible, and within one year prior thereto has not been eligible, to receive, under this Plan or any other plan of the Company or any of its affiliates, Shares, options for Shares
or any rights with respect to Shares pursuant to an incentive stock option plan as defined in Section 422 of the Code. 
 (f) “Fair
Market Value” of a Share on any date of reference shall be the value determined in good faith by the Committee to be the then fair market value of a Share within the then meaning of fair market value under the Code. The determination of fair
market value shall be made without regard to any applicable restrictions against the Share other than a restriction which, by its terms, will never lapse. 
 (g) “Incentive Stock Option” shall mean an option which is an incentive stock option as defined in Section 422 of the Code. 
  

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 (h) “Optionee” shall mean a person to whom a stock option is granted under this Plan or any
person who succeeds to the rights of such person under this Plan by reason of the death of such person. 
 (i) “Plan” shall mean
this 1998 Incentive Stock Option Plan for Gateway Holding Company, Inc. 
 (j) “Share(s)” shall mean a share or shares of the
common stock, par value one dollar ($1.00) per share, of Company. 
 3. Effective Date and Termination Date. The effective date of the
Plan is the date on which the Board adopts the Plan. At the next regular meeting of the shareholders of the Company following the effective date (which meeting shall occur within twelve months of the effective date), this Plan will be presented for
consideration and approval by the shareholders of Company; however, if this Plan is not approved by the shareholders, this Plan shall terminate and all Options granted hereunder shall be immediately forfeited. The Plan shall terminate on the tenth
anniversary of the effective date. 
 4. Shares and Options. Company may grant to Optionees from time to time Options to purchase an
aggregate of up to Eighty Thousand (80,000) Shares from authorized and unissued Shares. If any Option granted under the Plan shall terminate, expire, or be canceled or surrendered as to any Shares, new Options may thereafter be granted covering
such Shares. Every Option granted hereunder shall be an Incentive Stock Option. 
 5. Adjustment of Shares. (a) If at any time
while the Plan is in effect or unexercised Options are outstanding, there shall be any increase or decrease in the number of issued and outstanding Shares through the declaration of a stock dividend or through any recapitalization resulting in a
stock split-up, combination or exchange of Shares, then and in such event: 
 (i) appropriate adjustment shall be made in the maximum number
of Shares then subject to being optioned under the Plan, so that the same proportion of Company’s issued and outstanding Shares shall continue to be subject to being so optioned; and 
 (ii) appropriate adjustment shall be made in the number of Shares and the exercise price per Share thereof then subject to any outstanding Option, so that
the same proportion of Company’s issued and outstanding Shares shall remain subject to purchase at the same aggregate exercise price. 
 (b) The Committee may change the terms of Options outstanding under this Plan, with respect to the option price or the number of Shares subject to the Options, or both, when, in the Committee’s sole discretion, such adjustments become
appropriate and 

  

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necessary by reason of any corporate transaction to cause the same proportion of Company’s issued and outstanding shares to remain subject to purchase
pursuant to an Option at the same aggregate exercise price. 
 (c) Except as otherwise expressly provided in this Paragraph 5 or in Paragraph
10, the issuance by Company of shares of its capital stock of any class, or securities convertible into shares of capital stock of any class, either in connection with direct sale or upon the exercise of rights or warrants to subscribe therefor, or
upon conversion of shares or obligations of Company convertible into such shares or other securities, shall not affect, and no adjustment by reason thereof shall be made with respect to, the number of or exercise price of Shares then subject to
outstanding Options granted under the Plan. 
 (d) Following the merger of one or more corporations into Company, or any consolidation of the
Company and one or more corporations in which Company is the surviving corporation the exercise of options under this Plan, subject to the provisions of Paragraph 10, shall, with appropriate adjustment, apply to the shares of the surviving
corporation. 
 (e) Without limiting the generality of the foregoing, the existence of outstanding Options granted under the Plan shall not
affect in any manner the right or power of Company to make, authorize or consummate (1) any or all adjustments, recapitalizations, reorganizations or other changes in Company’s capital structure or its business; (2) any merger or
consolidation of Company; (3) any issue by Company of debt securities, or preferred or preference stock which would rank above the Shares subject to outstanding Options; (4) the dissolution or liquidation of Company; (5) any sale,
transfer or assignment of all or any part of the assets or business of Company; or (6) any other corporate act or proceeding, whether of a similar character or otherwise. 
 6. Conditions for Grant of Options. (a) Each Option shall be evidenced by an option agreement which may contain any term deemed necessary or
desirable by the Committee, provided such terms are not inconsistent with this Plan or any applicable law (“the Option Agreement”). Optionees shall be those persons selected by the Committee who are full time employees of Bank or Company.
No Option shall be granted to a Director unless such Director is also a full time employee of Bank or Company. Any person who files with the Committee, in a form satisfactory to the Committee, a written waiver of eligibility to receive any Option
under this Plan shall not be eligible to receive any Option under this Plan for the duration of such waiver. 
 (b) In granting Options, the
Committee shall take into consideration the contribution the person has made or may make to the success of the Bank or Company and such other factors as the Committee shall determine. The Committee shall also have the authority to consult with and
receive recommendations from officers and other personnel of Bank or Company with regard to these matters. The Committee may from time to time in granting Options under the Plan prescribe such other terms and conditions 

  

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concerning such Options as it deems appropriate, including, without limitation, relating an Option to achievement of specific goals established by the
Committee or to the continued employment of the Optionee for a specified period of time, provided that such terms and conditions are not more favorable to an Optionee than those expressly permitted herein. 
 (c) The Options granted to employees under this Plan shall be in addition to regular salaries, pension, life insurance or other benefits related to their
employment with Bank or Company. Neither the Plan nor any Option granted under the Plan shall confer upon any person any right to continuance of employment by Bank or Company. 
 (d) The Committee in its sole discretion shall determine in each case whether periods of military or government service shall constitute a continuation
of employment for the purposes of this Plan or any Option. 
 (e) Options may not be granted to employees who own directly and/or
constructively pursuant to §424(d) of the Code stock possessing more than 10 percent of the total combined voting power of all classes of stock of Company, or of its parent or subsidiary, except pursuant to the restrictions set forth in
Paragraphs 7 and 9. Any option granted under this plan shall be granted within 10 years from the effective date of this Plan. 
 (f) The
aggregate Fair Market Value of the Shares, as determined in good faith by the Committee at the time an Option is granted, with respect to which incentive stock options are exercisable for the first time by an employee during any calendar year (under
all incentive stock option plans of Company and its parent a subsidiary corporations) shall not exceed $100,000. 
 7. Option Price.
The option price per Share of any Option under this Plan shall be the price determined by the Committee, which price shall not be less than the Fair Market Value per Share at the time the Option is granted and which price, if an Option is granted to
a person who directly or constructively owns more than 10% of the total combined voting power of all classes of Company’s shares, shall not be less than 110% of the Fair Market Value per Share at the time the Option is granted. 
 8. Exercise of Options. An Option shall be deemed exercised when (i) Company has received written notice of such exercise in accordance with
the terms of the Option, (ii) full payment of the aggregate option price of the Shares as to which the Option is exercised has been made, and (iii) arrangements which are satisfactory to the Committee in its sole discretion have been made
for the Optionee’s payment to Company of the amount which the Committee determines to be necessary for Company or Subsidiary employing the Optionee to withhold in accordance with applicable federal, state or local income tax withholding
requirements, if any. Unless further limited by the Committee in any Option, the option price of any Shares purchased shall be paid solely (i) in cash, (ii) by certified or cashier’s check, (iii) by money order, (iv) with
Shares (but with Shares only if permitted by any Option agreement or otherwise permitted by the 

  

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Committee in its sole discretion at the time of exercise), (v) using Shares to be issued pursuant to the exercise of an Option in payment for the
remaining Shares to be issued by advising Company upon exercise to withhold from the Shares to be issued that number of Shares having a Fair Market Value equal to the sum of the exercise price (but only if permitted by an Option agreement or
otherwise permitted by the Committee in its sole discretion at the time of exercise), or (vi) by a combination of the preceding; provided, however, that the Committee in its sole discretion may accept a personal check in full or partial payment
of any Shares. If the exercise price is paid in whole or in part with Shares, the value of the Shares surrendered shall be their Fair Market Value at time of surrender. Company, in its sole discretion, may lend money to an Optionee, guarantee a loan
to an Optionee, or otherwise assist an Optionee to obtain the cash necessary to exercise all or a portion of an Option granted hereunder. 
 9. Exercisability of Options. Any Option shall become exercisable in such amounts, at such intervals and upon such terms as the Committee shall provide in such Option, except as otherwise provided in this Paragraph 9. Options may be
exercisable even though an Option granted earlier is outstanding. 
 (a) The expiration date of an Option shall be determined by the
Committee at the time of grant, but in no event shall an Option be exercisable after the expiration of ten (10) years from the date of grant of the Option nor shall any Option be granted to a person who owns stock possessing more than 10% of
the total combined voting power of all classes of stock of Company which shall be exercisable by its terms after the expiration of five (5) years from the date of grant of the Option. The Option may be subject to earlier termination as provided
in Paragraph 10. 
 (b) The Committee may in its sole discretion accelerate the date on which any Option may be exercised and may accelerate
the vesting of any Shares subject to any Option. 
 (c) In the event that an Option granted under this Plan shall have a vesting schedule,
the Option shall provide that the Option shall become fully vested, notwithstanding such vesting schedule, concurrent with the issuance of a cancellation notice pursuant to Subparagraph 10(b) of this Plan. 
 10. Termination of Option Period. (a) Except as otherwise provided in this Plan, the unexercised portion of any Option shall terminate at
such times and upon such conditions as the Committee shall provide in such Option. 
 (b) If provided in an Option, the Committee in its sole
discretion may, by giving written notice (“cancellation notice”), cancel, effective upon the date of the consummation of any of the following corporate transactions, all or any portion of such Option which remains unexercised on such date:

 (i) any transaction (which shall include a series of transactions occurring within 60 days or occurring pursuant to a plan) which has the
result that 

  

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shareholders of Company immediately before such transaction cease to own at least 51% of the voting stock of Company or of any entity which results from the
participation of Company in a reorganization, consolidation, merger, liquidation or any other firm or corporation transaction; 
 (ii) a
merger, consolidation, reorganization, liquidation or dissolution in which Company does not survive; or 
 (iii) a sale, lease, exchange or
other disposition of all or substantially all of the property and assets of Company. 
 Such cancellation notice shall be given a reasonable
period of time prior to the proposed date of such cancellation and may be given either before or after shareholder approval of such corporate transaction. 
 (c) If provided in an Option, the Committee in its sole discretion shall have the power to cancel, effective upon the date determined by the Committee in its sole discretion, all or any portion of any Option which is
then exercisable (whether or not accelerated by the Committee) upon payment to the Optionee of cash in an amount which, in the absolute discretion of the Committee, is determined to be equal to the excess of (i) the aggregate Fair Market Value
of the Shares subject to such Option on the effective date of the cancellation over (ii) the aggregate exercise price of such Option. 
 (d) Subject to earlier termination pursuant to other provisions of this Plan, an Optionee’s option shall expire three months after termination of employment for reasons other than death or disability. Subject to earlier termination
pursuant to other provisions of this Plan, an Optionee’s Option shall expire twelve (12) months after termination of employment due to permanent and total disability, as defined in Code Section 22(a) (3). If an Optionee should die
while employed by the Bank, or its parent, subsidiary, or successor as defined in Section 425(a) of the Code, or within the three-month period after termination of employment, the person to whom the Optionee’s rights pass by will or the
laws of descent and distribution, within one year after the Optionee’s death, may exercise, unless the Option has terminated pursuant to other provisions of this Plan, the Option for any of the Shares not previously exercised during
employee’s lifetime. However, an Option may not be exercised to any extent by anyone after the expiration of the Option. 
 11.
Transferability of Options. Each Option shall provide that such Option shall not be transferable by the Optionee otherwise than by will or the laws of descent and distribution and that so long as an Optionee lives, only such Optionee (or his
guardian or legal representative acting for Optionee or on Optionee’s behalf) shall have the right to exercise the Option. 
 12.
Issuance of Shares. As a condition of any issuance of Shares under any Option, the Committee may obtain such agreements or undertakings or require such filings or opinions, if any, as the Committee may deem necessary or advisable to assure

  

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compliance with any applicable law or regulation including, but not limited to, the following: 
 (i) a representation, warranty or agreement by the Optionee to Company, at the time any Option is exercised, that he is acquiring the Shares to be issued
to him for investment and not with a view to, or for sale in connection with, the distribution of any such Shares; 
 (ii) a representation,
warranty or agreement to be bound by any legends that are, in the opinion of the Committee, necessary or appropriate to comply with the provisions of any securities law deemed by the Committee to be applicable to the issuance of the Shares and are
endorsed upon the Share certificates; and 
 (iii) a filing under, or an opinion of counsel satisfactory to Company that upon exercise the
Optionee shall have complied with, the Bank Holding Company Act and the Changes in Bank Control Act, or any successor or similar act. 
 Share Certificates issued to Optionees who are parties to any shareholders agreement or any similar agreement shall bear the legends contained in such agreements. 
 13. Administration of the Plan. (a) The Plan shall be administered by those members of the Compensation Committee of the Board who are
Disinterested Persons; provided, however, that if no Compensation committee is appointed and then acting, the Plan shall be administered by a stock option committee consisting of not less than three (3) members of the Board who are
Disinterested Persons (the Compensation Committee or the stock option committee whichever then be acting is herein called the “Committee”). The Committee shall administer the Plan and shall make the determination as to the terms of Options
and the persons to receive Options. Except for the powers set forth in Paragraph 14, the Committee shall have all of the powers of the Board with respect to the Plan. Any member of the Committee may be removed at any time, with or without cause, by
resolution of the Board and any vacancy occurring in the membership of the Committee may be filled by appointment by the Board. 
 (b) The
Committee, from time to time, may adopt rules and regulations for carrying out the purposes of the Plan. The determinations and the interpretation and construction of any provision of the Plan by the Committee shall be final and conclusive.

 (c) Any and all decisions or determinations of the Committee shall be made either (i) by a majority vote of the members of the
Committee at a meeting or (ii) without a meeting by the written approval of a majority of the members of the Committee. 
 14.
Amendment and Discontinuation of the Plan. The Board or the Committee, subject to the approval of the Board, may from time to time amend the Plan or any Option; provided, however, that [except to the extent provided in Paragraph 5] no 

  

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such amendment may (a) without approval by the shareholders of Company increase the number of Shares reserved for Options or change the class of
employees eligible to receive Options, (b) permit the granting of Options which expire beyond the maximum 10-year period described in Subparagraph 9(a), (c) extend the termination date of the Plan as set forth in Paragraph 3, or
(d) have the effect of preventing the Options from being Incentive Stock Options; and provided, further, that [except to the extent provided in Paragraph 10] no amendment or suspension of the Plan or any Option issued hereunder shall, except as
specifically permitted in any Option, substantially impair any Option previously granted to any Optionee without the consent of such Optionee. 
 15. Interpretation. (a) If any provision of the Plan is held invalid for any reason, such holding shall not affect the remaining provisions hereof, but instead the Plan shall be construed and enforced as if such provision had
never been included in the Plan. 
 (b) This Plan shall be governed by the laws of the State of Texas. 
 (c) Headings contained in this Agreement are for convenience only and shall in no manner be construed as part of this Plan. 
 (d) Any reference to the masculine, feminine, or neuter gender shall be a reference to such other gender as is appropriate. 
 16. Repurchase of Shares. An Option Agreement may contain, but shall not be required to contain, any provisions the Committee deems appropriate
relating to the ownership of Shares acquired by exercise of the Option in case of the Optionees’ death, disability, retirement, voluntary termination by the employee or termination by the employer whether or not for cause. 
 17. Options Discretionary. The granting of Options under the Plan shall be entirely discretionary with the Committee and nothing in the Plan shall
be deemed to give any employee any right to participate in the Plan or to receive Options. 
 18. Withholding. Each Option shall
require the Optionee’s payment to Company of the amount which the Committee reasonably determines to be necessary for Company to withhold in accordance with applicable federal, state or local income tax withholding requirements or to make such
other withholding arrangements as are satisfactory to the Committee prior to the delivery of any certificate or certificates for such Shares should it be determined for any reason that the exercise of the Option is a taxable transaction for Optionee
subject to withholding. 
 19. Tax Compensation Bonus. An Option may provide, that upon an Optionee’s exercise of an Option,
Company may pay such Optionee a tax compensation bonus in an amount to be determined at the time of such exercise. 
  

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 Dated: July 9, 1998 
 Gateway Holding Company, Inc. 
  

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