Document:

Amendment No. 2 to the Amended and Restated Declaration of Trust

 Exhibit 4.154 
 AMENDMENT NO. 2 
 TO 

AMENDED AND RESTATED 
 DECLARATION OF TRUST OF 
 NB CAPITAL TRUST IV 

Dated as of November 10, 2011 
 AMENDMENT NO. 2, dated as of November 10, 2011 (“Amendment”), to the Amended and Restated Declaration of Trust of NB CAPITAL TRUST IV (the “Trust”), dated as of April 15,
1997 (as amended, the “Declaration”), by and among the Regular Trustees signatory thereto (the “Regular Trustees”), THE BANK OF NEW YORK MELLON (formerly known as The Bank of New York) (the “Property Trustee”), BNY
MELLON TRUST OF DELAWARE (formerly known as The Bank of New York (Delaware)) (the “Delaware Trustee” and, together with the Regular Trustees, the Property Trustee and the Delaware Trustee, the “Trustees”), BANK OF AMERICA
CORPORATION (successor to NationsBank Corporation), a Delaware corporation (the “Sponsor”), and by the holders, from time to time, of undivided beneficial interests in the assets of the Trust to be issued pursuant to the Declaration.
Capitalized terms used but not defined herein shall have the meanings ascribed thereto under the Declaration. 
 WHEREAS,
pursuant to Section 12.1(a) of the Declaration, the Sponsor and the Trustees may enter into a written instrument in order to amend the Declaration; 
 WHEREAS, the Sponsor desires and hereby directs the Trustees to enter into this Amendment to amend certain provisions of the Declaration as provided herein (collectively, the “Declaration
Amendments”); 
 WHEREAS, the Declaration Amendments contained herein shall not adversely affect the interests of the
Holders in any material respect; 
 WHEREAS, the Sponsor has duly authorized the execution and delivery of this Amendment,
subject to the terms and conditions described herein; 
 WHEREAS, the Property Trustee has received an Officers’
Certificate pursuant to Section 12.1(b) of the Declaration from each of the Sponsor and the Trust that this Amendment is permitted by, and conforms to, the terms of the Declaration (including the terms of the Securities); 

WHEREAS, the Property Trustee has received an opinion of counsel pursuant to Section 12.1(b) of the Declaration that this Amendment
is permitted by, and conforms to, the terms of the Declaration (including the terms of the Securities); 
 WHEREAS, the Sponsor
has requested that the Trustees execute and deliver this Amendment; 
 WHEREAS, all requirements necessary to make this
Amendment a valid and legally binding instrument in accordance with its terms and the terms of the Declaration have been duly satisfied and authorized in all respects. 
 NOW, THEREFORE, the Sponsor and the Trustees covenant and agree as follows: 

ARTICLE I 

Amendments to the Declaration 
 Section 1.01. Section 1.1 of the Declaration shall be amended to add the following new definitions in alphabetical order: 

“Exchange” has the meaning set forth in Section 6.2(a). 

  
 1 

 “Liquidation Amount” means, with respect to Capital Securities or Common
Securities, the liquidation amount per Capital Security or Common Security, respectively, as set forth in Annex I hereto. 

“Sponsor Affiliated Holder” has the meaning set forth in Section 6.2(a). 

Section 1.02 Section 3.8(c)(ii) shall be amended and restated in its entirety so that, as amended and restated, it shall read
as follows: 
 (ii) engage in such ministerial activities as shall be necessary or appropriate to effect the redemption of the
Capital Securities and the Common Securities to the extent the Notes are redeemed or mature and to effect the Exchange of Capital Securities and Common Securities for Notes to the extent a Sponsor Affiliated Holder elects to effect such Exchange
pursuant to Section 6.2 hereof; and 
 Section 1.03 Article VI of the Declaration shall be entitled
“Distributions; Exchanges” and it shall be amended by adding the following as Section 6.2: 
 SECTION 6.2
Exchanges. 
 (a) If at any time the Sponsor or any of its Affiliates (in any such case, a “Sponsor Affiliated
Holder”) is the Holder of any Capital Securities or is a Capital Security Beneficial Owner, such Sponsor Affiliated Holder shall have the right to deliver to the Property Trustee all or such portion of its Capital Securities as it elects and,
subject to the terms of the Indenture, receive, in exchange therefor, Notes having an aggregate principal amount equal to the aggregate Liquidation Amount of the Capital Securities exchanged therefor (such an exchange being referred to herein as an
“Exchange”). Such election (i) shall be exercisable, and shall be effective on any Business Day, provided that such Business Day is not a record date or any date falling between a record date and a date on which the related
Distribution is payable, by such Sponsor Affiliated Holder delivering to the Property Trustee a written notice of such election specifying the aggregate Liquidation Amount of Capital Securities with respect to which such election is being made and
the date on which such Exchange shall occur, which date shall be not less than three (3) Business Days after the date of receipt by the Property Trustee of such election notice and (ii) shall be conditioned upon such Sponsor Affiliated
Holder having delivered or caused to be delivered to the Property Trustee or its designee the Capital Securities which are the subject of such election by 10:00 a.m. New York City time, on the date on which such Exchange is to occur. After the
Exchange, such Capital Securities shall be cancelled and shall no longer be deemed to be outstanding and all rights of the Sponsor Affiliated Holder with respect to such Capital Securities shall cease. So long as the Capital Securities are in
book-entry-only form, the delivery and the cancellation of the Capital Securities pursuant to this Section 6.2 shall be made in accordance with the customary procedures for the Clearing Agency for the Capital Securities. 

(b) In the case of an Exchange described in Section 6.2(a), the Trust shall, at the written request of the Sponsor, on the date of
such Exchange, exchange Notes having a principal amount equal to a proportional amount of the aggregate Liquidation Amount of the outstanding Common Securities, such proportional amount determined by multiplying the aggregate Liquidation Amount of
the outstanding Common Securities by the ratio of the aggregate Liquidation Amount of the Capital Securities exchanged pursuant to Section 6.2(a) to the aggregate Liquidation Amount of the Capital Securities outstanding immediately prior to
such Exchange, for such proportional amount of Common Securities held by the Sponsor (which contemporaneously shall be cancelled and no longer be deemed to be outstanding); provided, that the Sponsor delivers or causes to be delivered to the
Property Trustee or its designee the required amount of Common Securities to be exchanged by 10:00 a.m., New York City time, on the date on which such Exchange is to occur. 

  
 2 

 ARTICLE II 
 Miscellaneous 
 Section 2.01 The Trustees accept the Declaration
Amendments set forth in this Amendment upon the terms and conditions set forth in the Declaration. The Trustees shall not be responsible or accountable in any manner whatsoever for or in respect of, and make no representation with respect to, the
validity or sufficiency of this Amendment or the due execution hereof by the Sponsor and shall not be responsible in any manner whatsoever for or in respect of the correctness of the recitals and statements contained herein, all of which recitals
and statements are made solely by the Sponsor. 
 Section 2.02 The Trustees have no duty to determine or otherwise monitor
whether any adjustments or actions set forth herein should be made, how they should be made or what they should be. The Trustees shall not be accountable for and make no representation as to the validity or value of any securities or assets issued
pursuant to the terms hereof. The Trustees shall not be responsible for the Sponsor’s failure to comply with the amendments set forth herein. 
 Section 2.03 The Declaration Amendments in this Amendment shall be effective as to, and binding upon the Holders of, all Securities outstanding as of the date hereof, as well as any and all
Securities hereafter issued. 
 Section 2.04 Except as hereby expressly modified, the Declaration is in all respects
ratified and confirmed and all the terms, conditions and provisions thereof shall remain in full force and effect. This Amendment shall take effect on the date hereof. 
 Section 2.05 Upon the effective date of this Amendment, entries in the Declaration’s table of contents and cross-references to provisions in the Declaration that have been amended as a result of
the Declaration Amendments shall be deemed amended. 
 Section 2.06 If any provision of this Amendment, or the application
of such provision to any Person or circumstance, shall be held invalid, the remainder of this Amendment, or the application of such provision to Persons or circumstances other than those to which it is held invalid, shall not be affected thereby.

 Section 2.07 This Amendment may contain more than one counterpart of the signature page and this Amendment may be
executed by the affixing of the signature of each of the Trustees to one of such counterpart signature pages. All of such counterpart signature pages shall be read as though one, and they shall have the same force and effect as though all of the
signers had signed a single signature page. 
 Section 2.08 This Amendment and the rights of the parties hereunder shall be
governed by and interpreted in accordance with the laws of the State of Delaware and all rights and remedies shall be governed by such laws without regard to the principles of conflict of laws. 

Section 2.09 Headings contained in this Amendment are inserted for convenience of reference only and do not affect the
interpretation of this Amendment or any provision hereof. 
 [SIGNATURE PAGE FOLLOWS] 

  
 3 

 IN WITNESS WHEREOF, the undersigned have caused these presents to be executed as of the day
and year first above written. 
  

					
	BANK OF AMERICA CORPORATION,
	as Sponsor
		
	By:	 	 /s/ ANGELA C. JONES

		 	Name:	 	Angela C. Jones
		 	Title:	 	Senior Vice President
	
	 /s/ ANGELA C. JONES

	Angela C. Jones,
	as Regular Trustee
	
	 /s/ TIMOTHY L. PRATT

	Timothy L. Pratt,
	as Regular Trustee
	
	 /s/ LEONOR SUAREZ

	Leonor Suarez,
	as Regular Trustee
	
	 THE BANK OF NEW YORK MELLON,
 as Property Trustee

		
	By:	 	 /s/ THOMAS J. PROVENZANO

		 	Name:	 	Thomas J. Provenzano
		 	Title:	 	Vice President
	
	 BNY MELLON TRUST OF DELAWARE,
 as Delaware Trustee

		
	By:	 	 /s/ KRISTINE K. GULLO

		 	Name:	 	Kristine K. Gullo
		 	Title:	 	Vice President

 AMENDMENT NO. 2 TO AMENDED AND RESTATED 

DECLARATION OF TRUST OF NB CAPITAL TRUST IVForm of Incentive Stock Option Agreement

 Exhibit 10.12A 
 FIRST PACTRUST BANCORP, INC. 
 2011 OMNIBUS INCENTIVE PLAN

 INCENTIVE STOCK OPTION AGREEMENT 
 ISO NO.              
 This Option is granted on             , 20         (the “Grant Date”) by First
PacTrust Bancorp, Inc., a Maryland corporation (the “Corporation”), to              (the “Optionee”), in accordance with the following terms and conditions:

 1. Option Grant and Exercise Period. The Corporation hereby grants to the Optionee an Incentive Stock Option
(“Option”) to purchase, pursuant to the First PacTrust Bancorp, Inc. 2011 Omnibus Incentive Plan, as the same may be amended from time to time (the “Plan”), and upon the terms and conditions therein and hereinafter set forth, an
aggregate of              shares (the “Option Shares”) of the voting common stock of the Corporation (“Common Stock”) at the price of
$             per share (the “Exercise Price”). A copy of the Plan, as currently in effect, is incorporated herein by reference and is attached to this Agreement.
Capitalized terms used herein which are not defined in this Agreement shall have the meanings ascribed to such terms in the Plan. 
 This Option shall be exercisable only during the period (the “Exercise Period”) commencing on the date(s) set forth in Section 2 below, and ending at 5:00 p.m., Pacific time, on the date 10
years after the Grant Date, such later time and date being hereinafter referred to as the “Expiration Date,” subject to earlier vesting and/or earlier expiration pursuant to Sections 5 and 7 below. 

2. Method of Exercise of This Option. This Option may be exercised during the Exercise Period with respect to not more than the
cumulative number of Option Shares set forth below on or after the date(s) indicated, by giving written notice to the Corporation as hereinafter provided specifying the number of Option Shares to be purchased. 

Cumulative Number of Option 
 Shares Exercisable 
 Date 

The notice of exercise of this Option shall be in the form prescribed by the Committee and directed to the address set forth in Section 11 below.
The date of exercise is the date on which such notice is received by the Corporation. Such notice shall be accompanied by payment in full of the aggregate Exercise Price for the Option Shares to be purchased upon such exercise. Payment shall be made
(i) in cash or its equivalent, (ii) by tendering previously acquired shares of Common Stock having an aggregate Fair Market Value at the time of exercise equal to the aggregate Exercise Price or (iii) by a combination of (i) and
(ii). In addition, the Corporation may establish a cashless exercise program in accordance with applicable laws and regulations. Promptly after such payment, subject to Section 3 below, the Corporation shall issue and deliver to the Optionee or
other person exercising this Option a certificate or certificates representing the shares of Common Stock so purchased, registered in the name of the Optionee (or such other person), or, upon request, in the name of the Optionee (or such other
person) and in the name of another in such form of joint ownership as requested by the Optionee (or such other person) pursuant to applicable state law. In lieu of issuing a certificate or certificates representing the shares of Common Stock so
purchased, the Corporation may cause such shares to be credited to a book entry account maintained by the Corporation (or its transfer agent or other designee) for the benefit of the Optionee or other person exercising this Option, including any
joint owner as provided in the immediately preceding sentence. 

 3. Delivery and Registration of Shares of Common Stock. The Corporation’s
obligation to deliver shares of Common Stock hereunder shall, if the Committee so requests, be conditioned upon the receipt of a representation as to the investment intention of the Optionee or any other person to whom such shares are to be
delivered, in such form as the Committee shall determine to be necessary or advisable to comply with the provisions of the Securities Act of 1933, as amended (the “Securities Act”), or any other Federal, state or local securities law or
regulation. In requesting any such representation, it may be provided that such representation requirement shall become inoperative upon a registration of such shares or other action eliminating the necessity of such representation under the
Securities Act or other securities law or regulation. The Company shall not be required to deliver any shares upon exercise of this Option prior to (i) the admission of such shares to listing on any stock exchange or system on which the shares
of Common Stock may then be listed and (ii) the completion of such registration or other qualification of such shares under any state or Federal law, rule or regulation, as the Committee shall determine to be necessary or advisable. 

4. Nontransferability of This Option. Except as otherwise permitted by the Code or the regulations thereunder, this Option may not
be sold, transferred, pledged, assigned or otherwise alienated or hypothecated, other than upon the Optionee’s death, to the person designated as the Optionee’s Beneficiary, or, if no Beneficiary has been properly designated by the
Optionee, by will or by the laws of descent and distribution. During the lifetime of the Optionee, this Option shall be exercisable only by the Optionee or a person acting with the legal authority of the Optionee. 

The provisions of this Option shall be binding upon, inure to the benefit of and be enforceable by the parties hereto, the successors and
assigns of the Corporation and any person acting with the legal authority of the Optionee or to whom this Option is transferred in accordance with this Section 4. 
 5. Termination of Service. The exercisability of this Option following a termination of the service of the Optionee shall be as and to the extent provided in Sections 6.8 and 6.9 of the Plan. In no
event shall this Option be exercisable following the Expiration Date. 
 6. Notice of Sale. The Optionee or any person to
whom this Option or the Option Shares shall have been transferred pursuant to Section 4 promptly shall give notice to the Corporation in the event of the sale or other disposition of Option Shares within the later of (i) two years from the
Grant Date or (ii) one year from the date of exercise of this Option. Such notice shall specify the number of Option Shares sold or otherwise disposed of and be directed to the address set forth in Section 11 below. 

7. Adjustments for Changes in Capitalization of the Corporation. In the event of any merger, reorganization, consolidation,
recapitalization, separation, liquidation, stock dividend, split-up, share combination or other change in the corporate structure of the Corporation affecting the shares of the Corporation’s Common Stock, such adjustment shall be made in the
number and class of shares covered by this Option and Exercise Price of this Option as shall be determined to be appropriate and equitable by the Committee to prevent dilution or enlargement of rights; and provided that the number of shares subject
to this Option shall always be a whole number. 
 8. Effect of Change in Control. If a Change in Control shall
occur, this Option shall (to the extent it is not then so exercisable) become exercisable in full and remain so exercisable for the remainder of its term, subject to Sections 6.8 and 6.9 of the Plan. Notwithstanding the foregoing this Option shall
not become exercisable to the extent that it has previously been exercised or otherwise terminated. 
 9. Stockholder Rights
Not Granted by This Option. The Optionee is not entitled by virtue hereof to any rights of a stockholder of the Corporation or to notice of meetings of stockholders or to notice of any other proceedings of the Corporation. 

10. Withholding Tax. The Corporation shall have the power and the right to deduct or withhold, or require the Optionee to remit to
the Company, an amount sufficient to satisfy Federal, state and local taxes (including the Optionee’s FICA obligation) required by law to be withheld with respect to this Option. 

11. Notices. All notices hereunder to the Corporation shall be delivered or mailed to it addressed to the Secretary of First
PacTrust Bancorp, Inc., 18500 Von Karman Avenue, Suite 900, Irvine, California 92612. Any notices hereunder to the Optionee shall be delivered personally or mailed to the Optionee’s address noted below. Such addresses for the service of notices
may be changed at any time provided written notice of the change is furnished in advance to the Corporation or to the Optionee, as the case may be. 

 12. Plan and Plan Interpretations as Controlling. This Option and the terms and
conditions herein set forth are subject in all respects to the terms and conditions of the Plan, which are controlling. All determinations and interpretations made in the discretion of the Committee shall be final and conclusive upon the Optionee or
the Optionee’s legal representatives with regard to any question arising hereunder or under the Plan. 
 13. Optionee
Service. Nothing in this Agreement shall interfere with or limit in any way the right of the Corporation or any Subsidiary to terminate the Optionee’s employment or service at any time, nor confer upon the Optionee any right to continue in
the employ or service of the Corporation or any Subsidiary. 
 14. Loss of Incentive Stock Option Status. If any portion
of this Option shall fail, for any reason, to qualify as an “incentive stock option” under Section 422 of the Code (or any successor provision), it shall be treated as a Non-Qualified Stock Option under the Plan. The Optionee
acknowledges that this Option will lose such qualification if: (a) this Option is exercised by the Optionee more than three months after the Optionee has ceased to be an Employee (if and to the extent this Option is still then exercisable); or
(b) the Option Shares acquired upon exercise of this Option are sold or otherwise disposed of within one of the time periods described in Section 6. 
 15. Optionee Acceptance. The Optionee shall signify his acceptance of the terms and conditions of this Option by signing in the space provided below and returning a signed copy hereof to the
Corporation at the address set forth in Section 11 above. 
 [Signature page follows] 

 IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed as of the
date first above written. 
  

			
		 	FIRST PACTRUST BANCORP, INC.
		
	By:	 	 

  

			
		 	ACCEPTED:
		
		 	 
		
		 	 
		 	(Street Address)
		
		 	 
		 	(City, State and Zip Code)

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