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EXHIBIT 4.2

 EXHIBIT 4.2 
  
 SECOND AMENDED AND RESTATED 
  

BYLAWS 
  
 OF 
  
 AMERICASBANK CORP. 
  
 ARTICLE I 

 
 Stockholders 
  
 SECTION 1. Annual Meeting. The annual meeting of the stockholders of
AmericasBank Corp. (the “Corporation”) shall be held on a day duly designated by the Board of Directors in May of each year, for the purpose of electing Directors to succeed those whose terms shall have expired as of the date of such
annual meeting, and for the transaction of such other corporate business as may properly come before the meeting. 
  
 SECTION 2. Special Meeting. Special meetings of the stockholders may be called at any time for any purpose or purposes by the Chairman of the
Board, the President, by a Vice President, or by two-thirds of the members of the Board of Directors, and shall be called forthwith by the Chairman of the Board, the President, by a Vice President, the Secretary or any Director of the Corporation
upon the request in writing of the holders of fifty percent (50%) of all the shares outstanding and entitled to vote on the business to be transacted at such meeting. Such request shall state the purpose or purposes of the meeting and the matters
proposed to be acted on thereat. The Secretary shall inform such requesting stockholders of the reasonably estimated cost of preparing and mailing the notice of the meeting, and upon payment to the Corporation of such cost, the Secretary shall give
the required notice. Business transacted at all special meetings of stockholders shall be confined to the purpose or purposes stated in the notice of the meeting. 
  
 SECTION 3. Place of Holding Meetings. All meetings of stockholders shall be held at the principal office of the
Corporation or elsewhere in the United States as designated by the Board of Directors in the notice of the meeting. 
  
 SECTION 4. Notice of Meetings. Not less than ten (10) nor more than ninety (90) days before the date of a stockholders’ meeting, the Secretary
shall give each stockholder entitled to vote at or to receive notice of each stockholders’ meeting, notice stating the date, hour and place of the meeting and, in the case of a special meeting or a meeting at which an action proposed to be
taken requires advance notice of the purpose of such action, the purpose or purposes for which the meeting is called. Notice is given to a stockholder when it is (i) personally delivered to the stockholder, (ii) left at the stockholder’s
residence or usual place of business, (iii) mailed to the stockholder, postage prepaid, at the stockholder’s address as it appears on the records of the Corporation, or (iv) transmitted to the stockholder by electronic mail to any electronic
mail address of the stockholder or by any other electronic means. 

 SECTION 5. Quorum. The presence in person or by proxy of the holders of record of a majority of
the shares of the capital stock of the Corporation issued and outstanding and entitled to vote thereat shall constitute a quorum at all meetings of the stockholders, except as otherwise provided by law, by the Charter or by these Bylaws. If less
than a quorum shall be in attendance at the time for which the meeting shall have been called, the meeting may be adjourned from time to time as provided in Section 6 of this Article I by a majority vote of the stockholders present or represented,
without any notice other than by announcement at the meeting. 
  
 The stockholders who are entitled to vote and are present at any duly organized meeting may continue to do business for which the particular meeting was called until adjournment, notwithstanding the withdrawal of enough stockholders to
leave less than a quorum. The absence from any meeting in person or by proxy of holders of the number of shares of stock of the Corporation required for action upon any given matter shall not prevent action at the meeting on any other matter or
matters that may properly come before the meeting, so long as there are present, in person or by proxy, holders of the number of shares of stock of the Corporation required for action upon the other matter or matters. 
  
 SECTION 6. Adjournment. Any meeting of the stockholders of the
Corporation may be adjourned from time to time without notice other than announcement at the meeting at which the adjournment is taken. At any adjourned meeting at which a quorum shall be present any action may be taken that could have been taken at
the meeting originally called. A meeting may not be adjourned to a date more than 120 (one hundred twenty) days after the original record date without further notice of the adjourned meeting date. 
  
 SECTION 7. Conduct of Meetings. Meetings of stockholders shall be
presided over by the Chairman of the Board of Directors, or, in his absence or inability to act, by the President of the Corporation or if none of said persons is present or able to act, by a chairman to be elected at the meeting. The Secretary of
the Corporation, or if he is not present, any Assistant Secretary shall act as secretary of such meetings; in the absence of the Secretary and any Assistant Secretary, the presiding officer may appoint a person to act as secretary of the meeting.

  
 SECTION 8. Conduct of Business. The chairman of any
meeting of stockholders shall determine the order of business and the procedures to be taken at the meeting, including such regulation of the manner of voting and the conduct of discussion as he determines to be appropriate. 
  
 SECTION 9. Advance Notice of Matters to be Presented at an Annual Meeting
of Stockholders. At an annual meeting of the stockholders, only such business shall be conducted as shall have been properly brought before the meeting as set forth below. To be properly brought before an annual meeting, such business must (1)
be specified in the notice of the meeting (or any supplement thereto) given by the Corporation pursuant to Section 4 of Article I of these Bylaws, or (2) be brought before the meeting by or under the direction of the Board of Directors (or the
Chairman or Vice Chairman of the Board or the President), or (3) be properly brought before the meeting by a stockholder. In addition to any other applicable requirements, for business to be properly brought before an annual meeting by a stockholder
(i.e., the business 
  

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 must related to a proper subject matter for stockholder action), the stockholder must have given timely notice thereof in
writing to the Secretary. To be timely, such stockholder’s notice must be delivered to or mailed and received by the Secretary at the principal executive offices of the Corporation, not later than 90 days nor earlier than 120 days prior to the
anniversary date of the mailing of proxy materials by the Corporation in connection with the immediately preceding annual meeting of stockholders of the Corporation (or, with respect to a proposal required to be included in the Corporation’s
proxy statement pursuant to Rule 14a-8 of the Securities Exchange Act of 1934, or any successor provision to Rule 14a-8, provided that the Corporation is subject to the Securities Exchange Act of 1934, the earlier date such proposal was received);
provided, however, that if less than 100 days’ prior public disclosure of the date of the meeting is made by the Corporation or with respect to the Corporation’s first annual meeting, any such notice by a stockholder must be so received
not later than the tenth (10th) day following the day on which such prior public disclosure of the date of the
meeting is first made by the Corporation. Public disclosure by the Corporation of a meeting date or other matter contemplated by this section shall be deemed to have been made if communicated by notice to stockholders pursuant to Section 4 of
Article I of these Bylaws, or by any filing with the Securities and Exchange Commission, or by any general mailing to stockholders of record, or by public announcement or by other means reasonably calculated to constitute public disclosure.

  
 A stockholder’s notice to the Secretary shall set forth
as to each matter such stockholder proposes to bring before the annual meeting (i) a brief description of the business desired to be brought before the annual meeting and the reasons for conducting such business at the annual meeting, (ii) the name
and address, as they appear on the Corporation’s books, of the stockholder proposing such business and, to the extent known, any other stockholders known by such stockholder to be supporting such proposal, (iii) the class and number of shares
of the Corporation’s capital stock that are beneficially owned (as defined in Rule 13d-3 of the Securities Exchange Act of 1934, as amended) by such stockholder on the date of such stockholder notice and, to the extent known, by any other
stockholders known by such stockholders to be supporting such proposal on the date of such stockholder notice, (d) the identification of any person retained or to be compensated by the stockholder submitting the proposal, or any person acting on his
or her behalf, to make solicitations or recommendations to stockholders for the purpose of assisting in the passage of such proposal and a brief description of the terms of such employment, retainer or arrangement for compensation, and (e) any
material interest of the stockholder in such business. 
  
 Notwithstanding anything in these Bylaws to the contrary, no business shall be conducted at the annual meeting except in accordance with the procedures set forth in this Section 9 of Article I; provided, however, that nothing in this
Section 9 of Article I shall be deemed to preclude discussion by any stockholder of any business properly brought before the annual meeting in accordance with such procedures. 
  
 The presiding officer at the meeting shall have the authority, if the facts warrant, to determine that business was not
properly brought before the meeting in accordance with the provisions of this Section 9 of Article I, and if he should so determine, he shall so declare to the meeting and any such business not properly brought before the meeting shall not be
transacted. 
  
 SECTION 10. Advance Notice of Nominees for
Directors. Only persons who are nominated in accordance with the following procedures shall be eligible for election as directors 
  

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 at any meeting of stockholders. Nominations of persons for election to the Board of Directors of the Corporation may be
made at an annual meeting of stockholders or at a special meeting of stockholders as to which the notice of meeting provides for election of directors, by or under the direction of the Board of Directors, or by any nominating committee or person
appointed by the Board of Directors, or by any stockholder of the Corporation entitled to vote for the election of directors at the meeting who complies with the notice procedures set forth in this Section 10 of Article I. Such nominations, other
than those made by or under the direction of the Board of Directors, shall be made pursuant to timely notice in writing to the Secretary. To be timely, such stockholder’s notice shall be delivered to or mailed and received by the Secretary at
the principal executive offices of the Corporation (i) with respect to an election to be held at an annual meeting, not later than 90 days nor earlier than 120 days prior to the anniversary date of the mailing of proxy materials by the Corporation
in connection with the immediately preceding annual meeting of stockholders of the Corporation; provided, however, that if less than 100 days’ prior public disclosure (as “public disclosure” is contemplated by Section 9 of Article I)
of the date of the meeting is made by the Corporation or with respect to the Corporation’s first annual meeting, any such notice by a stockholder must be so received not later than the tenth (10th) day following the day on which such prior public disclosure of the date of the meeting is first made by the Corporation and (ii) with respect to an election
to be held at a special meeting of stockholders for the election of directors, not later than the tenth (10th) day
following the day on which such prior public disclosure of the date of the meeting is first made by the Corporation. 
  
 Such stockholder’s notice shall set forth: (a) as to each person whom the stockholder proposes to nominate for election or re-election as a director
and as to the stockholder giving the notice, (i) the name, age, business address and residence address of the person (and as the address appears on the Corporation’s books, if different), (ii) the principal occupation or employment of the
person, (iii) the class and number of shares of stock of the Corporation which are beneficially owned (as defined in Rule 13d-3 of the Securities Exchange Act of 1934, as amended) by the person on the date of such stockholder notice, and (iv) any
other information relating to the person that is required to be disclosed in solicitations for proxies for election of directors pursuant to the proxy rules under the Securities Exchange Act of 1934 or any successor rule thereto (to the extent such
rules are applicable to the Corporation); (b) as to any person known by the stockholder giving the notice to be supporting any such nominee (i) the name and address, as they appear on the Corporation’s books, of such persons and (ii) the class
and number of shares of stock of the Corporation which are beneficially owned (as defined in Rule 13d-3 of the Securities Exchange Act of 1934, as amended) by such persons; (c) a representation that the stockholder giving the notice intends to
appear in person or by proxy at the meeting to nominate the person or persons specified in the notice; (d) a description of all arrangements or understandings between the stockholder giving the notice and each nominee and any arrangements or
understandings between the stockholder and each nominee and any other person or persons (naming such person or persons) pursuant to which the nomination or nominations are to be made by the stockholder; and (e) the consent of each nominee to serve
as a director of the Corporation if so elected. 
  
 The
Corporation may require any proposed nominee to furnish such other information as may reasonably be required by the Corporation to determine the eligibility of such proposed nominee to serve as a director of the Corporation. No person shall be
eligible for election as a director of the Corporation unless nominated in accordance with the procedures set forth herein. 
  

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 The presiding officer at the meeting shall have the authority, if the facts warrant, to determine that a
nomination was not made in accordance with the foregoing procedure, and if he should so determine, he shall so declare to the meeting and the defective nomination shall be disregarded. 
  
 SECTION 11. Voting. At all meetings of stockholders, every stockholder entitled to vote thereat shall have one (1)
vote for each share of stock standing in his name on the books of the Corporation on the date for the determination of stockholders entitled to vote at such meeting, except as otherwise provided by law, by the Charter or by these Bylaws. 

 
 Each stockholder entitled to vote at any meeting of stockholders of the
Corporation may authorize another person or persons to act for him as proxy by (i) signing a writing authorizing the other person to act as proxy in the manner permitted by Maryland law or (ii) transmitting, or authorizing the transmission of, an
authorization for the person to act as proxy to (a) the person authorized to act as proxy or (b) any other person authorized to receive the proxy authorization on behalf of the person authorized to act as the proxy, including a proxy solicitation or
proxy support service organization. The authorization may be transmitted by a telegram, cablegram, datagram, electronic mail, or any other electronic or telephonic means. Further, to the extent permitted by Maryland law, the placing of a
stockholder’s name on a proxy pursuant to telephonic or electronically transmitted instructions obtained pursuant to procedures reasonably designed to verify that such instructions have been authorized by such stockholder shall constitute
execution of such proxy by or on behalf of such stockholder. No proxy shall be valid after the expiration of eleven months from the date thereof, unless otherwise provided in the proxy. Every proxy shall be revocable at the pleasure of the
stockholder authorizing it, except in those cases in which the proxy states that it is irrevocable and where an irrevocable proxy is permitted by law. A proxy purporting to be by or on behalf of the stockholder authorizing it shall be deemed valid
unless challenged at or prior to its exercise. 
  
 All matters presented to a vote
of the stockholders of the Corporation shall be decided by a majority of all the votes cast in person or by proxy, except with respect to the election of directors, which shall be decided by a plurality of the votes cast, and except as otherwise
provided by the Charter or applicable law. 
  
 SECTION 12.
Fixing of Record Date. The Board of Directors may set a record date for the purpose of determining stockholders entitled to notice of and to vote at any meeting of the stockholders of the Corporation. The record date may not be prior to the
close of business on the day the record date is fixed and may not be more than ninety (90) days prior to the date of the notice or the date of the meeting (except as permitted by Article I, Section 6), nor fewer than ten (10) days before the date of
the meeting. If no record date has been fixed, the record date for the determination of stockholders entitled to notice of or to vote at a meeting of stockholders of the Corporation shall be the later of the close of business on the day on which
notice of the meeting is mailed or the thirtieth (30th) day before the meeting. 
  
 SECTION 13. Inspectors. The Board of Directors may, in advance of any
meeting of stockholders of the Corporation, appoint one or more inspectors to act at the meeting or at any adjournment of the meeting. If the inspectors shall not be so appointed or if any of them shall fail to appear or act, the chairman of the
meeting may appoint inspectors. Each inspector, before 
  

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 entering upon the discharge of his duties, shall, if required by the Board of Directors or the chairman, as the case may
be, take and sign an oath to execute faithfully the duties of inspector at the meeting with strict impartiality and according to the best of his ability. The inspectors shall determine the number of shares outstanding and the voting power of each
share, the number of shares represented at the meeting, the existence of a quorum and the validity and effect of proxies, and shall receive votes, ballots or consents, hear and determine all challenges and questions arising in connection with the
right to vote, count and tabulate all votes, ballots or consents, determine the result, and do those acts as are proper to conduct the election or vote with fairness to all stockholders. On request of the chairman of the meeting, the inspectors
shall make a report in writing of any challenge, request or matter determined by them and shall execute a certificate of any fact found by them. No Director or candidate for the office of Director shall act as inspector of an election of Directors.
Inspectors need not be stockholders of the Corporation. 
  
 SECTION 14. Consent of Stockholders in Lieu of Meeting. Except as otherwise provided by statute or the Corporation’s Charter, any action required to be taken at any meeting of stockholders of the Corporation, or any action that
may be taken at any meeting of the stockholders of the Corporation, may be taken without a meeting, without prior notice and without a vote, if the following are filed with the records of stockholders’ meetings: (i) a unanimous written consent
that sets forth the action and is signed by each stockholder entitled to vote on the matter and (ii) a written waiver of any right to dissent signed by each stockholder entitled to notice of the meeting but not entitled to vote at the meeting.

  
 SECTION 15. Telephone Conference. The stockholders of
the Corporation may participate in any meeting by means of a conference telephone or similar communications equipment by means of which all persons participating in the meeting can hear each other at the same time. Participation by such means shall
constitute presence in person at the meeting. 
  
 ARTICLE II

  
 Board Of Directors 
  
 SECTION 1. General Powers. The property, business and affairs of the
Corporation shall be managed under the direction of the Board of Directors of the Corporation. All powers of the Corporation may be exercised by or under authority of the Board of Directors except as conferred on or reserved to the stockholders by
law, by the Corporation’s Charter, or by these Bylaws. All acts done at any meeting of the Directors or by any person acting as a Director, so long as his successor shall not have been duly elected or appointed, shall, notwithstanding that it
be afterwards discovered that there was some defect in the election of the Directors or of such person acting as aforesaid or that they or any of them were disqualified, be as valid as if the Directors or such other person, as the case may be, had
been duly elected and were or was qualified to be Directors or a Director of the Corporation. 
  
 SECTION 2. Number and Term of Office. The Corporation shall have thirteen directors, which number may be increased or decreased from time to time exclusively by the Board of Directors pursuant to a resolution
adopted by two-thirds of the entire Board of Directors. The stockholders shall not be entitled to fix the number of members of the Board of Directors. The directors shall be divided into three classes, with the term of office of the first class
(“Class 1”) 
  

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 to expire at the first annual meeting of stockholders, the term of office of the second class (“Class 2”) to
expire at the annual meeting of stockholders one year after the first annual meeting of stockholders and the term of office of the third class (“Class 3”) to expire at the annual meeting of stockholders two years after the first annual
meeting of stockholders with each director to hold office until his or her successor shall have been duly elected and qualified. At each annual meeting of stockholders following such initial classification and election, directors elected to succeed
those directors whose terms expire shall be elected for a term of office to expire at the third succeeding annual meeting of stockholders after their election with each director to hold office until his or her successor shall have been duly elected
and qualified. The number of directorships within each class of director shall be as nearly equal in number as possible. 
  
 SECTION 3. Vacancies. Newly created directorships resulting from any increase in the number of Directors or any vacancies in the Board of Directors
resulting from death, resignation, retirement, disqualification, removal from office or other cause shall be filled by a majority vote of the remaining Directors, and the Directors so chosen shall hold office for a term expiring at the next annual
meeting of stockholders at which successors shall be elected and shall qualify. Newly created directorships resulting from an increase in the number of Directors shall be apportioned by the Board of Directors among the three (3) classes so as to
maintain the number of Directors in each class as nearly equal in number as possible. 
  
 SECTION 4. Removal of Directors. At any meeting of stockholders, duly called and at which a quorum is present, the stockholders may, by the affirmative vote of a majority of all the votes entitled to be cast
for the election of directors, remove any Director from office, but only for cause. 
  
 SECTION 5. Resignation. A Director of the Corporation may resign at any time by giving written notice of his resignation to the Board of Directors, the Chairman of the Board, the President or the Secretary of
the Corporation. A resignation shall take effect on the date specified in the notice of resignation or, should an effective date not be specified, immediately upon receipt of the notice of resignation. Unless otherwise specified therein, such
resignation shall take effect upon delivery. 
  
 SECTION 6.
Place of Meeting. The Board of Directors may hold their meetings and have one or more offices, and keep the books of the Corporation, either within or outside the State of Maryland, at such place or places as they may from time to time
determine. The Board of Directors may hold their meetings by conference telephone or other similar electronic communications equipment in accordance with the provisions of the Maryland General Corporation Law. 
  
 SECTION 7. Regular Meetings. Regular meetings of the Board of
Directors may be held without notice at such time and place as shall from time to time be determined by resolution of the Board, provided that notice of every resolution of the Board fixing or changing the time or place for the holding of regular
meetings of the Board shall be sent promptly to each Director not present at the meeting at which such change was made. Such notice shall be in the manner provided for notice of special meetings of Directors. The annual meeting of the Board of
Directors shall be held immediately following the annual stockholders’ meeting at which members of a Class of Directors are elected. Any business may be transacted at any regular meeting of the Board. 
  

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 SECTION 8. Special Meetings. Special meetings of the Board of Directors shall be held whenever
called by direction of the Chairman of the Board or the President and must be called by the Chairman of the Board, the President or the Secretary upon written request of two-thirds of the members of the Board of Directors. Notice of each special
meeting of the Board of Directors shall be given by the Secretary as hereinafter provided. Each notice shall state the date, time and place of the meeting (and the purposes of the meeting when expressly required by law, the Charter or these Bylaws)
and shall be delivered or transmitted to each Director, either personally or by telephone or other standard form of telecommunication or by electronic mail to any electronic mail address of the Director, at least forty-eight (48) hours before the
time at which the meeting is to be held, or by first-class mail, postage prepaid, addressed to the Director at his residence or usual place of business, and mailed at least three (3) days before the day on which the meeting is to be held, or
transmitted by telegraph, cable or other communication leaving a visual record at least two (2) days before the meeting. 
  
 Notice, when required, of any meeting of the Board of Directors or a committee of the Board need not be given to any Director who shall, either before or
after the meeting, sign a written waiver of notice that is filed with the records of the meeting or who shall attend the meeting. 
  
 SECTION 9. Quorum. A majority of the entire number of Directors shall constitute a quorum for the transaction of business at all meetings of the
Board of Directors, and the act of a majority of the Directors present at any meeting at which there is a quorum shall be the act of the Board of Directors, except as may be otherwise specifically provided by law or by the Charter or by these
Bylaws. 
  
 In the absence of a quorum at any meeting of the
Board, a majority of the Directors present may adjourn the meeting to another date, time and place until a quorum shall be present. Notice of the date, time and place of any adjourned meeting shall be given to the Directors who were not present at
the time of the adjournment and, unless the date, time and place were announced at the meeting at which the adjournment was taken, to the other Directors. At any adjourned meeting at which a quorum is present, any business may be transacted that
might have been transacted at the meeting as originally called. 
  
 SECTION 10. Conduct of Meetings. Meetings of Directors shall be presided over by the Chairman of the Board of Directors, or, in his absence or inability to act, the President, if also a Director, or, in the absence or inability of
the President to act, another Director chosen by a majority of the Directors present, shall act as chairman of the meeting and preside at the meeting. The Secretary of the Corporation, or if he is not present, any Assistant Secretary shall act as
secretary of such meetings; in the absence of the Secretary and any Assistant Secretary, the presiding officer may appoint a person to act as secretary of the meeting. 
  
 SECTION 11. Action by Written Consent. Any action required or permitted to be taken at a meeting of the Board of
Directors may be taken without a meeting, if an unanimous written consent which sets forth the action is signed by each member of the Board and filed with the minutes of proceedings of the Board. 
  

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 SECTION 12. Compensation of Directors. Each Director shall be entitled to receive compensation, if
any, as may from time to time be fixed by the Board of Directors, including a fee for each meeting of the Board or any committee thereof, regular or special, he attends. At the discretion of the Board of Directors, Directors may also be reimbursed
by the Corporation for all reasonable expenses incurred in traveling to and from the place of a Board or committee meeting. 
  
 SECTION 13. Committees. The Board of Directors may, by resolution passed by a majority of the entire Board, designate an executive and one or more
other committees. Each committee shall consist of one or more of the Directors of the Corporation, which, to the extent provided in the resolution and as permitted by law, shall have and may exercise the powers of the Board of Directors. Such
committee or committees shall have such names as may be determined from time to time by resolution adopted by the Board of Directors. 
  
 Notice of committee meetings shall be given in the same manner as notice for special meetings of directors. A majority of the members of a committee, if
there are three (3) or more members of the committee, or all of the members of the committee, if there are less than three (3) members, shall constitute a quorum for the transaction of any business at any meeting of the committee. The act of a
majority of the committee members, if there are three (3) or more committee members present, or all of the committee members, if there are less than three (3) committee members present, shall be the act of the committee. The Board of Directors may
designate a chairman of any committee, and such chairman or any two (2) members of the committee, if the committee has at least two (2) members, or the sole member of the committee, if the committee has one (1) member, may fix the time and place of
its meeting unless the Board shall otherwise provide. Each committee shall keep regular minutes of its meetings and report the same to the Board of Directors when required. The members of a committee present at any meeting, whether or not they
constitute a quorum, may appoint a Director to act in the place of an absent member. 
  
 SECTION 14. Honorary Directors; Directors Emeritus. The Board of Directors may from time to time designate and appoint one or more qualified persons to the position of “Honorary Director” or
“Director Emeritus.” Each Honorary Director or Director Emeritus shall serve for such term as shall be specified in the resolution of the Board of Directors appointing him or until his earlier death, resignation or removal. An Honorary
Director or Director Emeritus may be removed from such position with or without cause by the vote of a majority of the Board of Directors given at any regular or special meeting. An Honorary Director or Director Emeritus may be invited to attend all
meetings of the Board of Directors but shall not be present at any portion of a meeting from which the Honorary Director or Director Emeritus shall have been excluded by vote of the Directors. An Honorary Director or Director Emeritus shall not be a
“Director” or “Officer” within the meaning of the Corporation’s Charter, or of these Bylaws; shall not be deemed to be a member of the Board of Directors for purposes of the Securities Act of 1933, as amended, or the
Securities Exchange Act of 1934, as amended; shall not hold himself out as any of the foregoing; and shall not be liable to any person for any act of the Corporation. Notice of regular or special meetings may be given to an Honorary Director or
Director Emeritus but the failure to give such notice shall not affect the validity of any meeting or the action taken thereat. An Honorary Director or Director Emeritus shall not have the powers of a Director, may not vote at meetings of the Board
of Directors and shall not take part in the operation or governance of the Corporation. An Honorary Director or Director Emeritus shall be 
  

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 entitled to receive compensation, if any, as may from time to time be fixed by the Board of Directors, and may also be
reimbursed for expenses incurred in attending meetings of the Board of Directors or otherwise. 
  
 ARTICLE III 
  
 Officers 
  
 SECTION 1. Election, Tenure and
Compensation. The officers of the Corporation shall be a President, a Secretary and a Treasurer, and also such other officers including a Chairman of the Board, a Vice Chairman of the Board and/or one or more Vice Presidents and/or one (1) or
more assistants to the foregoing officers as the Board of Directors from time to time may consider necessary for the proper conduct of the business of the Corporation. The officers shall be elected annually by the Board of Directors at its first
meeting following the annual meeting of the stockholders except where a longer term is expressly provided in an employment contract duly authorized and approved by the Board of Directors. The President, Chairman of the Board and Vice Chairman of the
Board shall be Directors and the other officers may, but need not be, Directors. 
  
 Any two (2) or more of the above offices, except those of President and Vice President, may be held by the same person, but no officer shall execute, acknowledge or verify any instrument in more than one capacity if
such instrument is required by law or by these Bylaws to be executed, acknowledged or verified by any two (2) or more officers. The compensation or salary paid all officers of the Corporation shall be fixed by resolutions adopted by the Board of
Directors or a committee thereof, but this power may be delegated to any officer with respect to other officers under his control. 
  
 In the event that any office other than an office required by law shall not be filled by the Board of Directors, or, once filled, subsequently becomes
vacant, then such office and all references thereto in these Bylaws shall be deemed inoperative unless and until such office is filled in accordance with the provisions of these Bylaws. A vacancy in any office whether arising from death,
resignation, removal or any other cause may be filled in the manner prescribed in these Bylaws for the regular election or appointment to the office. 
  
 Any officer, agent or employee of the Corporation may be removed by the Board of Directors whenever in the Board’s judgment the best interests of the
Corporation will be served thereby, and the Board may delegate the power of removal as to agents and employees not elected or appointed by the Board of Directors. Removal shall be without prejudice to the person’s contract rights, if any, but
the appointment of any person as an officer, agent or employee of the Corporation shall not of itself create contract rights. 
  
 Any officer of the Corporation may resign at any time by giving written notice of his resignation to the Board of Directors, the Chairman of the Board,
the President or the Secretary. Any resignation shall take effect at the time specified therein or, if the time when it shall become effective is not specified therein, immediately upon its receipt. Acceptance of a resignation shall not be necessary
to make it effective unless the resignation states otherwise. 
  
 SECTION 2. Powers and Duties of the Chairman of the Board. The Chairman of the Board, if one is elected, shall preside at all meetings of the Board of Directors and of the 
  

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 stockholders unless the Board of Directors shall by a majority vote of a quorum thereof elect a chairman other than the
Chairman of the Board to preside at such meetings. The Chairman of the Board shall have such other powers and perform such other duties as may be assigned to him from time to time by the Board of Directors. 
  
 SECTION 3. Powers and Duties of the Vice Chairman of the Board. In the
absence of the Chairman of the Board, the Vice Chairman of the Board, if one is elected, shall act in the place of the Chairman of the Board and shall assume his duties and shall be vested with all of his powers and authorities. The Vice Chairman of
the Board shall have such other powers and perform such other duties as may be assigned to him from time to time by the Board of Directors. 
  
 SECTION 4. Powers and Duties of the President. The President shall be the chief executive officer of the Corporation and, subject to the
supervision of the Board of Directors, shall have the general direction over the business, affairs and property of the Corporation and of its officers, employees and agents. In the absence of the Chairman of the Board and Vice Chairman of the Board,
or if no Chairman of the Board or Vice Chairman of the Board has been chosen, the President shall preside at all meetings of the stockholders and of the Board of Directors and exercise the powers and perform the duties of the Chairman of the Board.
The President also shall exercise such other powers and perform such other duties as from time to time may be assigned to him by the Board of Directors. 
  
 SECTION 5. Powers and Duties of the Vice Presidents. The Board of Directors may appoint one or more Vice Presidents, including one or more
Executive Vice Presidents and Senior Vice Presidents. Each Vice President shall have such powers and duties as may be assigned by the President or the Board of Directors. The Executive Vice President, if one is appointed, or if not, a Vice
President, shall be designated by the Board of Directors, in the absence of the President, to perform all the duties of the President. 
  
 SECTION 6. Secretary; Assistant Secretary. The Secretary shall give, or cause to be given, notice of all meetings of stockholders and Directors and
all other notices required by law or by these Bylaws, and in case of his absence or refusal or neglect to do so, any such notice may be given by any person thereunto directed by the President, or by the Directors or stockholders upon whose written
request the meeting is called as provided in these Bylaws. The Secretary shall record all the proceedings of the meetings of the stockholders and of the Directors in books provided for that purpose, and he shall perform such other duties as may be
assigned to him by the Directors or the President. He shall have custody of the seal of the Corporation and shall affix the same to all instruments requiring it, when authorized by the Board of Directors or the President, and attest to the same. In
general, the Secretary shall perform all the duties generally incident to the office of Secretary, subject to the control of the Board of Directors and the President. 
  
 The Board of Directors may appoint an Assistant Secretary or more than one (1) Assistant Secretary. Each Assistant Secretary
shall (except as otherwise provided by resolution of the Board of Directors) have power to perform all duties of the Secretary in the absence or inability to act of the Secretary and shall have such other powers and shall perform such other duties
as may be assigned to him by the Board of Directors, the President or the Secretary. 
  

 11 

 SECTION 7. Treasurer; Assistant Treasurer. The Treasurer shall have custody of all the funds and
securities of the Corporation, and he shall keep full and accurate account of receipts and disbursements in books belonging to the Corporation. He shall deposit all moneys and other valuables in the name and to the credit of the Corporation in such
depository or depositories as may be designated by the Board of Directors. 
  
 The Treasurer shall disburse the funds of the Corporation as may be ordered by the Board of Directors or the President, taking proper vouchers for such disbursements. He shall render to the President and the Board of
Directors, whenever either of them so requests, an account of all his transactions as Treasurer and of the financial condition of the Corporation. 
  
 The Treasurer shall perform all the duties generally incident to the office of the Treasurer, subject to the control of the Board of Directors and the
President. 
  
 The Board of Directors may appoint an Assistant
Treasurer or more than one (1) Assistant Treasurer. Each Assistant Treasurer shall (except as otherwise provided by resolution of the Board of Directors) have power to perform all duties of the Treasurer in the absence or inability to act of the
Treasurer and shall have such other powers and shall perform such other duties as may be assigned to him by the Board of Directors, the President or the Treasurer. 
  
 SECTION 8. Chief Financial Officer. The Board of Directors shall appoint a Chief Financial Officer. The Chief
Financial Officer shall have and may exercise any and all powers and duties pertaining by law, regulation or practice, to the office of Chief Financial Officer, or imposed by these Bylaws; and shall also perform such other duties as may be assigned
from time to time, by the President or the Board of Directors. 
  
 SECTION 9. Bonds. The Board of Directors may require any officer or agent of the Corporation to execute a bond to the Corporation in such sum and with such surety or sureties as the Board of Directors may determine. 
  
 ARTICLE IV 
  
 Capital Stock 
  
 SECTION 1. Issuance of Certificates of Stock. Unless the Board of
Directors authorizes the issuance of certificateless shares and such issuance is not otherwise prohibited by the Corporation’s Charter, each stockholder shall be entitled to a certificate or certificates that shall represent and certify the
number of shares of any class of stock owned by him in the Corporation. No certificate shall be issued for any share of stock of any class until such share is fully paid in accordance with the Maryland General Corporation Law. 
  
 Stock certificates of each class shall be in such form as shall be prepared
or approved by the Board of Directors. Each certificate shall be signed by the President or a Vice President or the Chairman of the Board, and countersigned by the Secretary or an Assistant Secretary or the Treasurer or an Assistant Treasurer. The
signatures may be either manual or facsimile signatures. Such a certificate shall be valid and may be issued whether or not an officer who signed it is still an officer when it is issued. The name of the Corporation and of the person owning the
shares represented thereby, with the number and class of such shares and the date of issue, shall be on the face of the certificate and entered on the Corporation’s books at the time of issuance. 
  

 12 

 SECTION 2. Regulations. The Board of Directors shall have the power and authority to make such
rules and regulations as it may deem expedient concerning the issuance, transfer and registration of certificates for shares of stock of any class of the Corporation. 
  
 SECTION 3. Fixing of Record Date for Dividends, Distributions, etc. The Board may fix, in advance, a date not more
than ninety (90) days preceding the date fixed for the payment of any dividend or the making of any distribution with respect to, or the allotment of other rights, as the record date for the determination of the stockholders entitled to receive any
such dividend, distribution or allotment, and in such case only the stockholders of record at the time so fixed shall be entitled to receive such dividend, distribution or allotment. If no record date has been fixed, the record date for determining
stockholders entitled to receive dividends or an allotment of any rights shall be the close of business on the day on which the resolution of the Board of Directors declaring the dividend or allotment of rights is adopted, but the payment or
allotment shall not be made more than sixty (60) days after the date on which the resolution is adopted. 
  
 SECTION 4. Transfer of Shares. 
  
 (a) Transfers of shares of the stock of the Corporation shall be made on the books of the Corporation by the holder of record thereof (in person or by his
attorney thereunto duly authorized by a power of attorney duly executed in writing and filed with the Secretary of the Corporation) (i) if a certificate or certificates have been issued, upon the surrender of the certificate or certificates,
properly endorsed or accompanied by proper instruments of transfer, representing such shares; or (ii) as otherwise prescribed by the Board of Directors. 
  
 (b) The Corporation shall be entitled to treat the holder of record of any share of stock as the absolute owner thereof for all purposes, including,
without limitation, the rights to receive dividends or other distributions and to vote as the owner, and the Corporation shall not be bound to recognize any legal, equitable or other claim or interest in such share on the part of any other person,
whether or not it shall have express or other notice thereof, except as otherwise expressly provided by the laws of the State of Maryland. 
  
 (c) Notwithstanding anything to the contrary contained in these Bylaws, the Board of Directors may adopt by resolution a procedure by which a stockholder
of the Corporation may certify in writing to the Corporation that any shares of stock registered in the name of the stockholder are held for the account of a specified person other than the stockholder. The resolution shall set forth the class of
stockholders who may make the certification; the purpose for which the certification may be made; the form of certification and the information to be contained in it; if the certification is with respect to a record date or closing of the stock
transfer books, the time after the record date or closing of the stock transfer books within which the certification must be received by the Corporation; and any other provisions with respect to the procedure which the Board considers necessary or
desirable. On receipt of a certification which complies with the requirements established by the Board’s resolution, the person specified in the certification shall be, for the purpose set forth in the certification, the holder of record of the
specified stock in place of the stockholder who makes the certification. 
  

 13 

 SECTION 5. Transfer Agent and Registrar. The Board of Directors may appoint a transfer agent
and/or registrar of transfers and may require that all stock certificates representing shares of any class to bear the signatures of such transfer agent or registrar of transfers, or the signatures of both. 
  
 SECTION 6. Lost, Stolen or Destroyed Certificates. Before issuing a
new certificate for stock of the Corporation alleged to have been lost, stolen or destroyed, the Board of Directors or any officer authorized by the Board of Directors may, in its discretion, require the owner of the lost, stolen or destroyed
certificate (or his legal representative) to give the Corporation a bond or other indemnity, in such form and in such amount as the Board of Directors or any such officer may direct and with such surety or sureties as may be satisfactory to the
Board of Directors or any such officer, sufficient to indemnify the Corporation against any claim that may be made against it on account of the alleged loss, theft or destruction of any such certificate or the issuance of such new certificate.

  
 SECTION 7. Stock Ledger. The Corporation shall maintain
a stock ledger that contains the name and address of each stockholder and the number of shares of stock of each class registered in the name of each stockholder. The stock ledger may be in written form or in any other form that can be converted
within a reasonable time into written form for visual inspection. The original or a duplicate of the stock ledger shall be kept at the offices of a transfer agent for the particular class of stock, within or without the State of Maryland, or, if
none, at the principal office or the principal executive offices of the Corporation in the State of Maryland. 
  
 ARTICLE V 
  
 Seal 
  
 In the event that
the President shall direct the Secretary to obtain a corporate seal, the corporate seal shall be circular in form and shall have inscribed thereon the name of the Corporation, the year of its organization and the word “Maryland”. Duplicate
copies of the corporate seal may be provided for use in the different offices of the Corporation but each copy thereof shall be in the custody of the Secretary of the Corporation or of an Assistant Secretary of the Corporation nominated by the
Secretary. 
  
 ARTICLE VI 
  
 Finance 
  
 SECTION 1. Bank Accounts. Such officers or agents of the Corporation as from time to time shall be designated by the
Board of Directors shall have authority to deposit any funds of the Corporation in such banks or trust companies as shall from time to time be designated by the Board of Directors and such officers or agents as from time to time shall be authorized
by the Board of Directors may withdraw any or all of the funds of the Corporation so deposited in any such bank or trust company, upon checks, drafts or other instruments or orders for the payment of money drawn against the account or in the name or
behalf of this Corporation, and made or signed by such officers or agents; and each bank or trust company with which funds of the Corporation are so deposited is authorized to accept, honor, cash and pay, without limit as to amount, all checks,
drafts or other instruments or orders for the payment of money, when drawn, 
  

 14 

 made or signed by officers or agents so designated by the Board of Directors until written notice of the revocation of
the authority of such officers or agents by the Board of Directors shall have been received by such bank or trust company. There may from time to time be certified to the banks or trust companies in which funds of the Corporation are deposited, the
signature of the officers or agents of the Corporation so authorized to draw against the same. In the event that the Board of Directors shall fail to designate the persons by whom checks, drafts and other instruments or orders for the payment of
money shall be signed, as hereinabove provided in this Section, all of such checks, drafts and other instruments or orders for the payment of money shall be signed by the President or a Vice President and countersigned by the Secretary or Treasurer
or an Assistant Secretary or an Assistant Treasurer of the Corporation. 
  
 SECTION 2. Annual Statement of Affairs. There shall be prepared annually a full and correct statement of the affairs of the Corporation, to include a balance sheet and a financial statement of operations for the preceding fiscal
year. The statement of affairs shall be submitted at the annual meeting of the stockholders and, within twenty (20) days after the meeting, placed on file at the Corporation’s principal office. Such statement shall be prepared or caused to be
prepared by such executive officer of the Corporation as may be designated in an additional or supplementary bylaw adopted by the Board of Directors. If no other executive officer is so designated, it shall be the duty of the President to prepare or
cause to be prepared such statement. 
  
 ARTICLE VII

  
 Indemnification 
  
 As used in this Article VII, any word or words that are defined in Section
2-418 of the Maryland General Corporation Law, as amended from time to time (the “Indemnification Section”), shall have the same meaning as provided in the Indemnification Section. 
  
 The Corporation shall indemnify and advance expenses to a director or officer
of the Corporation in connection with a proceeding to the fullest extent permitted by and in accordance with the Indemnification Section. 
  
 With respect to an employee or agent, other than a director or officer of the Corporation, the Corporation may, as determined by the Board of Directors of
the Corporation, indemnify and advance expenses to such employee or agent in connection with a proceeding to the fullest extent permitted by and in accordance with the Indemnification Section. 
  
 The indemnification and advancement of expenses provided by this Article VII
or provided in the Corporation’s Charter shall not be deemed exclusive of any other right, in respect of indemnification or otherwise, to which those seeking such indemnification or advancement of expenses may be entitled under any insurance or
other agreement, vote of stockholders or disinterested Directors or otherwise. 
  
 The Corporation may purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the Corporation, or while a director, officer, employee or agent of the Corporation
is or was serving at the request of the Corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust, other enterprise or employee benefit plan, against any liability asserted against and incurred
by such person in any such capacity or arising out of such person’s position, whether or not the Corporation would have the power to indemnify such person under Maryland law. 
  

 15 

 ARTICLE VIII 
  
 Miscellaneous Provisions 
  
 SECTION 1. Fiscal Year. The fiscal year of the Corporation shall end on the date determined by the Board of Directors. In the absence of any such
determination, the accounts of the Corporation shall be kept on a calendar year basis. 
  
 SECTION 2. Waiver of Notice. Whenever any notice of the date, hour, place and/or purpose of any meeting of stockholders, Directors or a committee is required to be given under the provisions of the Maryland
General Corporation Law or under the provisions of the Corporation’s Charter or by these Bylaws, a waiver thereof in writing, signed by the person or persons entitled to such notice and filed with the records of the meeting, whether before or
after the holding thereof, or actual attendance at the meeting in person or, in the case of a meeting of stockholders, by proxy, shall be deemed equivalent to the giving of such notice to such person. 
  
 SECTION 3. Offices. The principal office of the Corporation shall be
located in the State of Maryland. The address of the principal office may be changed from time to time pursuant to the Maryland General Corporation Law. The Corporation may have such other offices and places of business at such places within or
without the State of Maryland as the Board of Directors may determine from time to time. 
  
 SECTION 4. Voting Stock in Other Corporations. The President shall have full power and authority on behalf of the Corporation to attend and vote at any meeting of the stockholders of any corporation in which
the Corporation may hold stock, and at any such meeting shall possess and may exercise (in person or by proxy), any and all rights, powers and privileges incident to the ownership of such stock, and which, as the owner thereof, this Corporation
might have possessed and exercised if present. The President may grant proxies on behalf of the Corporation to any person or persons to act in his stead at such meetings. Notwithstanding the foregoing, the Board of Directors by resolution may
appoint some other person to vote such shares, in which case such person and not the President or his proxy shall be entitled to vote such shares upon production of a certified copy of such resolution. 
  
 SECTION 5. Books and Records. The Corporation shall keep correct and
complete books and records of its accounts and transactions and minutes of the proceedings of its stockholders and Board of Directors and of any committee thereof. 
  
 ARTICLE IX 
  
 Amendments 
  
 The Board of Directors shall have the exclusive power and authority to amend, alter, change or repeal these Bylaws or any provision thereof, and to make
from time to time any additional Bylaws; by resolution adopted by a majority of all of the Directors, at any regular or special meeting of the Board, provided, however, that a resolution adopted by two-thirds of the members of the Directors, at any
regular or special meeting of the Board, shall be required to 
  

 16 

 amend, alter, change or repeal, or to adopt any provision inconsistent with, the provisions of Article I, Section 2, 9 or
10, or Article II, Sections 2, 4 or 8 of these Bylaws; and further provided that no such action by the Board of Directors shall be inconsistent with any of the terms of the Charter of the Corporation. 
  
 The stockholders shall have no power or authority to amend, alter, change or
repeal these Bylaws or any provision thereof, or to make additional Bylaws. 
  
 Amended March 25, 2004 
  

 17EXHIBIT 10.1

 EXHIBIT 10.1 
  
 AMERICASBANK CORP. 
 2004 STOCK INCENTIVE PLAN 
  
 1. Establishment,
Purpose and Types of Awards. AMERICASBANK CORP., a Maryland corporation (the “Company”), hereby establishes the AMERICASBANK CORP. 2004 STOCK INCENTIVE PLAN (the “Plan”). The purpose of the Plan is to promote the long-term
growth and profitability of the Company and its subsidiaries by (i) providing key people with incentives to improve stockholder value and to contribute to the growth and financial success of the Company and its subsidiaries through their future
services, and (ii) enabling the Company and its subsidiaries to attract, retain and reward the best-available persons. 
  
 The Plan permits the granting of stock options (including incentive stock options qualifying under Code section 422 and nonstatutory stock options), stock
appreciation rights, restricted stock awards, phantom stock, performance awards, other stock-based awards, or any combination of the foregoing. 
  
 2. Definitions. Under the Plan, except where the context otherwise indicates, the following definitions apply: 
  
 “Administrator” means the Board or the committee(s) or officer(s)
appointed by the Board that have authority to administer the Plan as provided in Section 3 hereof. 
  
 “Affiliate” means any entity, whether now or hereafter existing, which controls, is controlled by, or is under common control with, the Company
(including, but not limited to, joint ventures, limited liability companies, and partnerships). For this purpose, “control” shall mean ownership of 50% or more of the total combined voting power or value of all classes of stock or
interests of the entity. 
  
 “Award” means any stock
option, stock appreciation right, stock award, phantom stock award, performance award, or other stock-based award pursuant to the Plan. 
  
 “Bank” means AmericasBank, a Maryland-chartered commercial bank. 
  
 “Board” means the Board of Directors of the Company. 
  
 “Change of Control” means any one of the following events: 
  
 (i) the acquisition by any person or persons acting in concert of the then
outstanding voting securities of either the Bank or the Company, if, after the transaction, the acquiring person (or persons) owns, controls or holds with power to vote fifty percent (50%) or more of any class of voting securities of the Bank or the
Company, as the case may be, or such other transaction as may be described under 12 C.F.R. Section 225.41(b)(1) or any successor thereto; 

 (ii) the approval by the stockholders of either the Bank or the Company of a reorganization, merger or
consolidation, with respect to which persons who were the stockholders of either the Bank or the Company, as the case may be, immediately prior to such reorganization, merger or consolidation do not, immediately thereafter, own more than fifty
percent (50%) of the combined voting power entitled to vote in the election of directors of the reorganized, merged or consolidated company’s then outstanding voting securities; 
  
 (iii) the sale, transfer or assignment of all or substantially all of the assets of the Company or the Bank to any third
party; or 
  
 (iv) within any twelve-month period (beginning
March 11, 2004) the persons who were directors of the Bank immediately before the beginning of such twelve-month period (the “Incumbent Directors”) cease to constitute at least a majority of such board of directors; provided that any
director who was not a director as of the Effective Date will be deemed to be an Incumbent Director if that director was elected to such board of directors by, or on the recommendation of or with the approval of either (1) a majority of the
directors who then qualified as Incumbent Directors or (2) the nominating committee of the Board of Directors of the Company. 
  
 “Code” means the Internal Revenue Code of 1986, as amended, and any regulations promulgated thereunder. 
  
 “Common Stock” means the Company’s common stock, par value
$0.01 per share. 
  
 “Fair Market Value” means, with
respect to a share of Common Stock for any purpose on a particular date, the value determined by the Administrator in good faith; provided, however, that if the Common Stock is publicly traded, “Fair Market Value” shall be determined by
reference to, as applicable: (i) the price per share in the Company’s 2004 public offering which closed on March 11, 2004, (ii) either the closing price or the average of the high and low sale price on the relevant date, as determined in the
Administrator’s discretion, quoted on the New York Stock Exchange, the American Stock Exchange, or the Nasdaq National Market; (iii) either the last sale price or the average of the high and low sale price on the relevant date, as determined in
the Administrator’s discretion, quoted on the Nasdaq SmallCap Market; (iv) the average of the high bid and low asked prices on the relevant date quoted on the OTC Bulletin Board Service or by the National Quotation Bureau, Inc. or a comparable
service as determined in the Administrator’s discretion; or (v) if the Common Stock is not listed or quoted by any of the above, the average of the closing bid and asked prices on the relevant date furnished by a professional market maker for
the Common Stock, or by such other source, selected by the Administrator. If no public trading of the Common Stock occurs on the relevant date but the shares are so listed or quoted, then Fair Market Value shall be determined as of the next
preceding date on which trading of the Common Stock does occur. For all purposes under the Plan, the term “relevant date” as used in this definition means either the date as of which Fair Market Value is to be determined or the next
preceding date on which public trading of the Common Stock occurs, as determined in the Administrator’s discretion. 
  
 “Grant Agreement” means a written document memorializing the terms and conditions of an Award granted pursuant to the Plan. Each Grant Agreement
shall incorporate the terms of the Plan. 
  

 2 

 3. Administration. 
  
 (a) Administration of the Plan. The Plan shall be administered by the Administrator; provided, however, that unless
otherwise determined by the Board, the Administrator shall be composed solely of two or more persons who are “outside directors” within the meaning of Code section 162(m)(4)(C)(i) and the regulations promulgated thereunder. To the extent
allowed by applicable state or federal law, the Board by resolution may authorize an officer or officers to grant Awards (other than stock Awards) to other officers and employees of the Company and its Affiliates, and, to the extent of such
authorization, such officer or officers shall be the Administrator. 
  
 (b) Powers of the Administrator. The Administrator shall have all the powers vested in it by the terms of the Plan, such powers to include authority, in its sole and absolute discretion, to grant Awards under the Plan, prescribe
Grant Agreements evidencing such Awards and establish programs for granting Awards. 
  
 The Administrator shall have full power and authority to take all other actions necessary to carry out the purpose and intent of the Plan, including, but not limited to, the authority to: (i) determine the eligible
persons to whom, and the time or times at which Awards shall be granted; (ii) determine the types of Awards to be granted; (iii) determine the number of shares to be covered by or used for reference purposes for each Award; (iv) impose such terms,
limitations, restrictions and conditions (not inconsistent with the Plan) upon any such Award as the Administrator shall deem appropriate; (v) modify, amend, extend or renew outstanding Awards, or accept the surrender of outstanding Awards and
substitute new Awards (provided however, that, except as provided in Section 6 or 7(d) of the Plan, any modification that would impair any outstanding Award shall not be made without the consent of the holder); (vi) accelerate or otherwise change
the time in which an Award may be exercised or becomes payable and to waive or accelerate the lapse, in whole or in part, of any restriction or condition with respect to such Award, including, but not limited to, any restriction or condition with
respect to the vesting or exercisability of an Award following termination of any grantee’s employment or other relationship with the Company; (vii) establish objectives and conditions (including, without limitation, vesting criteria), if any,
for earning Awards and determining whether such objectives and conditions have been satisfied; (viii) determine the Fair Market Value of the Common Stock in accordance with the Plan; and (ix) for any purpose, including but not limited to, qualifying
for preferred tax treatment under foreign tax laws or otherwise complying with the regulatory requirements of local or foreign jurisdictions, to establish, amend, modify, administer or terminate sub-plans, and prescribe, amend and rescind rules and
regulations relating to such sub-plans. 
  
 The Administrator
shall have full power and authority, in its reasonable discretion, to administer and interpret the Plan, Grant Agreements and all other documents relevant to the Plan and Awards issued thereunder, and to adopt and interpret such rules, regulations,
agreements, guidelines and instruments for the administration of the Plan and for the conduct of its business as the Administrator deems necessary or advisable. 
  

 3 

 (c) Non-Uniform Determinations. The Administrator’s determinations under the Plan (including,
without limitation, determinations of the persons to receive Awards, the form, amount and timing of such Awards, the terms and provisions of such Awards and the Grant Agreements evidencing such Awards) need not be uniform and may be made by the
Administrator selectively among persons who receive, or are eligible to receive, Awards under the Plan, whether or not such persons are similarly situated. 
  
 (d) Limited Liability. To the maximum extent permitted by law, no member of the Administrator shall be liable for any action taken or decision made
in good faith relating to the Plan or any Award thereunder. 
  
 (e) Indemnification. To the maximum extent permitted by law and by the Company’s charter and by-laws, the members of the Administrator shall be indemnified by the Company in respect of all their activities under the Plan.

  
 (f) Effect of Administrator’s Decision. All
actions taken and decisions and determinations made by the Administrator on all matters relating to the Plan pursuant to the powers vested in it hereunder shall be in the Administrator’s reasonable discretion and shall be binding on all parties
concerned, including the Company, its stockholders, any participants in the Plan and any other employee, consultant, or director of the Company, and their respective successors in interest. 
  
 4. Shares Available for the Plan; Maximum Awards. Subject to
adjustments as provided in Section 7(d) of the Plan, the shares of Common Stock that may be issued with respect to Awards granted under the Plan shall not exceed an aggregate of 1,283,121 shares of Common Stock. The Company shall reserve such number
of shares for Awards under the Plan, subject to adjustments as provided in Section 7(d) of the Plan. If any Award, or portion of an Award, under the Plan expires or terminates unexercised, becomes unexercisable or is forfeited or otherwise
terminated, surrendered or canceled as to any shares, or if any shares of Common Stock are repurchased by or surrendered to the Company in connection with any Award (whether or not such surrendered shares were acquired pursuant to any Award), or if
any shares are withheld by the Company, the shares subject to such Award and the repurchased, surrendered and withheld shares shall thereafter be available for further Awards under the Plan; provided, however, that to the extent required by
applicable law, any such shares that are surrendered to or repurchased or withheld by the Company in connection with any Award or that are otherwise forfeited after issuance shall not be available for purchase pursuant to incentive stock options
intended to qualify under Code section 422. 
  
 5.
Participation. Participation in the Plan shall be open to all employees, officers, and directors of, and other individuals providing bona fide services to or for, the Company, or of any Affiliate of the Company, as may be selected by the
Administrator from time to time. The Administrator may also grant Awards to individuals in connection with hiring, retention or otherwise, prior to the date the individual first performs services for the Company or an Affiliate, provided that such
Awards shall not become vested or exercisable prior to the date the individual first commences performance of such services. 
  
 6. Awards. The Administrator, in its sole discretion, establishes the terms of all Awards granted under the Plan. Awards may be granted
individually or in tandem with other types of Awards. Each Award shall be evidenced by a Grant Agreement, and each Award shall be subject to the terms and conditions provided in the applicable Grant Agreement. The 
  

 4 

 Administrator may permit or require a recipient of an Award to defer such individual’s receipt of the payment of
cash or the delivery of Common Stock that would otherwise be due to such individual by virtue of the exercise of, payment of, or lapse or waiver of restrictions respecting, any Award. If any such payment deferral is required or permitted, the
Administrator shall, in its sole discretion, establish rules and procedures for such payment deferrals. Notwithstanding anything to the contrary contained in the Plan, except with respect to substitute awards as described in Section 7(e), the
exercise price of any stock option and the purchase price of any Common Stock which may be purchased under any other stock-based award granted under the 2004 Plan will not be less than 100% of the Fair Market Value of the Common Stock on the date of
the grant. 
  
 (a) Stock Options. The Administrator may
from time to time grant to eligible participants Awards of incentive stock options as that term is defined in Code section 422 or nonstatutory stock options; provided, however, that Awards of incentive stock options shall be limited to employees of
the Company or of any current or hereafter existing “parent corporation” or “subsidiary corporation,” as defined in Code sections 424(e) and (f), respectively, of the Company. Options intended to qualify as incentive stock
options under Code section 422 must have an exercise price at least equal to Fair Market Value as of the date of grant (or such greater amount as may be required by the Code). No stock option shall be an incentive stock option unless so designated
by the Administrator at the time of grant or in the Grant Agreement evidencing such stock option. 
  
 (b) Stock Appreciation Rights. The Administrator may from time to time grant to eligible participants Awards of Stock Appreciation Rights
(“SAR”). An SAR entitles the grantee to receive, subject to the provisions of the Plan and the Grant Agreement, a payment having an aggregate value equal to the product of (i) the excess of (A) the Fair Market Value on the exercise date of
one share of Common Stock over (B) the base price per share specified in the Grant Agreement, times (ii) the number of shares specified by the SAR, or portion thereof, which is exercised. Payment by the Company of the amount receivable upon any
exercise of an SAR may be made by the delivery of Common Stock or cash, or any combination of Common Stock and cash, as determined in the sole discretion of the Administrator. If upon settlement of the exercise of an SAR a grantee is to receive a
portion of such payment in shares of Common Stock, the number of shares shall be determined by dividing such portion by the Fair Market Value of a share of Common Stock on the exercise date. No fractional shares shall be used for such payment and
the Administrator shall determine whether cash shall be given in lieu of such fractional shares or whether such fractional shares shall be eliminated. 
  
 (c) Stock Awards. The Administrator may from time to time grant restricted stock Awards to eligible participants in such amounts, on such terms and
conditions, and for such consideration, including no consideration or such minimum consideration as may be required by law, as it shall determine. A stock Award may be paid in Common Stock, in cash, or in a combination of Common Stock and cash, as
determined in the sole discretion of the Administrator. 
  
 (d)
Phantom Stock. The Administrator may from time to time grant Awards to eligible participants denominated in stock-equivalent units (“phantom stock”) in such amounts and on such terms and conditions as it shall determine. Phantom
stock units granted to a participant shall be credited to a bookkeeping reserve account solely for accounting purposes and 
  

 5 

 shall not require a segregation of any of the Company’s assets. An Award of phantom stock may be settled in Common
Stock, in cash, or in a combination of Common Stock and cash, as determined in the sole discretion of the Administrator. Except as otherwise provided in the applicable Grant Agreement, the grantee shall not have the rights of a stockholder with
respect to any shares of Common Stock represented by a phantom stock unit solely as a result of the grant of a phantom stock unit to the grantee. 
  
 (e) Performance Awards. The Administrator may, in its discretion, grant performance awards which become payable on account of attainment of one or
more performance goals established by the Administrator. Performance awards may be paid by the delivery of Common Stock or cash, or any combination of Common Stock and cash, as determined in the sole discretion of the Administrator. Performance
goals established by the Administrator may be based on the Company’s or an Affiliate’s operating income or one or more other business criteria selected by the Administrator that apply to an individual or group of individuals, a business
unit, or the Company or an Affiliate as a whole, over such performance period as the Administrator may designate. 
  
 (f) Other Stock-Based Awards. The Administrator may from time to time grant other stock-based awards to eligible participants in such amounts, on
such terms and conditions, and for such consideration, including no consideration or such minimum consideration as may be required by law, as it shall determine. Other stock-based awards may be denominated in cash, in Common Stock or other
securities, in stock-equivalent units, in stock appreciation units, in securities or debentures convertible into Common Stock, or in any combination of the foregoing and may be paid in Common Stock or other securities, in cash, or in a combination
of Common Stock or other securities and cash, all as determined in the sole discretion of the Administrator. 
  
 7. Miscellaneous. 
  
 (a) Withholding of Taxes. Grantees and holders of Awards shall pay to the Company or its Affiliate, or make provision satisfactory to the
Administrator for payment of, any taxes required to be withheld in respect of Awards under the Plan no later than the date of the event creating the tax liability. The Company or its Affiliate may, to the extent permitted by law, deduct any such tax
obligations from any payment of any kind otherwise due to the grantee or holder of an Award. In the event that payment to the Company or its Affiliate of such tax obligations is made in shares of Common Stock, such shares shall be valued at Fair
Market Value on the applicable date for such purposes and shall not exceed in amount the minimum statutory tax withholding obligation. 
  
 (b) Loans. To the extent otherwise permitted by law, the Company or its Affiliate may make or guarantee loans to grantees to assist grantees in
exercising Awards and satisfying any withholding tax obligations. 
  
 (c) Transferability. Except as otherwise determined by the Administrator, and in any event in the case of an incentive stock option or a stock appreciation right granted with respect to an incentive stock option, no Award granted
under the Plan shall be transferable by a grantee otherwise than by will or the laws of descent and distribution. Unless otherwise determined by the Administrator in accord with the provisions of the immediately preceding 
  

 6 

 sentence, an Award may be exercised during the lifetime of the grantee, only by the grantee or, during the period the
grantee is under a legal disability, by the grantee’s guardian or legal representative. 
  
 (d) Adjustments for Corporate Transactions and Other Events. 
  
 (i) Stock Dividend, Stock Split and Reverse Stock Split. In the event of a stock dividend of, or stock split or reverse stock split affecting, the
Common Stock, (A) the maximum number of shares of such Common Stock as to which Awards may be granted under the Plan, and (B) the number of shares covered by and the exercise price and other terms of outstanding Awards, shall, without further action
of the Board, be adjusted to reflect such event. The Administrator may make adjustments, in its reasonable discretion, to address the treatment of fractional shares and fractional cents that arise with respect to outstanding Awards as a result of
the stock dividend, stock split or reverse stock split. 
  
 (ii)
Non-Change of Control Transactions. Except with respect to the transactions set forth in Section 7(d)(i), in the event of any change affecting the Common Stock, the Company or its capitalization, by reason of a spin-off, split-up, dividend,
recapitalization, merger, consolidation or share exchange, other than any such change that is part of a transaction resulting in a Change of Control of the Company, the Administrator, in its reasonable discretion and without the consent of the
holders of the Awards, may make (A) appropriate adjustments to the maximum number and kind of shares reserved for issuance or with respect to which Awards may be granted under the Plan, in the aggregate, as provided in Section 4 of the Plan; and (B)
any adjustments in outstanding Awards, including but not limited to modifying the number, kind and price of securities subject to Awards. 
  
 (iii) Change of Control Transactions. In the event of any transaction resulting in a Change of Control of the Company (A) outstanding stock
options and other Awards that are payable in or convertible into Common Stock under the Plan will terminate upon the effective time of such Change in Control unless provision is made in connection with the transaction for the continuation or
assumption of such Awards by, or for the substitution of the equivalent awards of, the surviving or successor entity or a parent thereof; (B) all outstanding stock options and other Awards shall vest and become exercisable to the extent provided for
in the applicable Grant Agreement, and (C) the holders of stock options and other Awards under the Plan will be permitted, immediately before the Change in Control, to exercise or convert all portions of such stock options or other Awards under the
Plan that are then exercisable or convertible or which become exercisable or convertible upon or prior to the effective time of the Change in Control. 
  
 (iv) Unusual or Nonrecurring Events. The Administrator is authorized to make, in its reasonable discretion and without the consent of holders of
Awards, adjustments in the terms and conditions of, and the criteria included in, Awards in recognition of unusual or nonrecurring events affecting the Company, or the financial statements of the Company or any Affiliate, or of changes in applicable
laws, regulations, or accounting principles, whenever the Administrator reasonably determines that such adjustments are appropriate in order to prevent dilution or enlargement of the benefits or potential benefits intended to be made available under
the Plan, provided, however, that except as expressly provided in the Grant Agreement, no such adjustment shall adversely affect an outstanding Award without the consent of the grantee. 
  

 7 

 (e) Substitution of Awards in Mergers and Acquisitions. Awards may be granted under the Plan from
time to time in substitution for awards held by employees, officers, consultants or directors of entities who become or are about to become employees, officers, consultants or directors of the Company or an Affiliate as the result of a merger or
consolidation of the employing entity with the Company or an Affiliate, or the acquisition by the Company or an Affiliate of the assets or stock of the employing entity. The terms and conditions of any substitute Awards so granted may vary from the
terms and conditions set forth herein to the extent that the Administrator deems appropriate at the time of grant to conform the substitute Awards to the provisions of the awards for which they are substituted. 
  
 (f) Other Agreements. As a condition precedent to the exercise of any
Award, or to the delivery of certificates for shares issued pursuant to any Award, the Administrator may require the grantee or the grantee’s successor or permitted transferee, as the case may be, to become a party to a right of first refusal
agreement in favor of any employee stock ownership plan hereafter established by the Company, in such form(s) as the Administrator may determine in its reasonable discretion from time to time. 
  
 (g) Termination, Amendment and Modification of the Plan. The Board may
terminate, amend or modify the Plan or any portion thereof at any time, but no amendment or modification shall be made which would impair the rights of any grantee under any Award theretofore made, without his or her consent. Notwithstanding
anything to the contrary contained in the Plan, the Board may not amend or modify the Plan or any portion thereof without shareholder approval where such approval is required by applicable law or by the rules of any securities exchange or quotation
system (e.g., Nasdaq) on which the Common Stock is listed or traded. Furthermore, notwithstanding anything to the contrary contained in the Plan, the administrator may not amend or modify any Award if such amendment or modification would require the
approval of the shareholders if the amendment or modification were made to the Plan. 
  
 (h) Non-Guarantee of Employment or Service. Nothing in the Plan or in any Grant Agreement thereunder shall confer any right on an individual to continue in the service of the Company or shall interfere in any
way with the right of the Company to terminate such service at any time with or without cause or notice and whether or not such termination results in (i) the failure of any Award to vest; (ii) the forfeiture of any unvested or vested portion of any
Award; and/or (iii) any other adverse effect on the individual’s interests under the Plan. 
  
 (i) Compliance with Securities Laws; Listing and Registration. If at any time the Administrator determines that the delivery of Common Stock under
the Plan is or may be unlawful under the laws of any applicable jurisdiction, or Federal, state or foreign securities laws, the right to exercise an Award or receive shares of Common Stock pursuant to an Award shall be suspended until the
Administrator determines that such delivery is lawful. The Company shall have no obligation to effect any registration or qualification of the Common Stock under Federal, state or foreign laws. 
  
 The Company may require that a grantee, as a condition to exercise of an
Award, and as a condition to the delivery of any share certificate, make such written representations (including, without limitation, representations to the effect that such Common Stock is being acquired solely for investment and that such person
will not dispose of the Common Stock so 
  

 8 

 acquired in violation of Federal, state or foreign securities laws) and furnish such information as may, in the opinion
of counsel for the Company, be appropriate to permit the Company to issue the Common Stock in compliance with applicable Federal, state or foreign securities laws. The stock certificates for any shares of Common Stock issued pursuant to the Plan may
bear a legend restricting transferability of the shares of Common Stock unless such shares are registered or an exemption from registration is available under the Securities Act of 1933, as amended, and applicable state or foreign securities laws.

  
 (j) No Trust or Fund Created. Neither the Plan nor any
Award shall create or be construed to create a trust or separate fund of any kind or a fiduciary relationship between the Company and a grantee or any other person. To the extent that any grantee or other person acquires a right to receive payments
from the Company pursuant to an Award, such right shall be no greater than the right of any unsecured general creditor of the Company. 
  
 (k) Governing Law. The validity, construction and effect of the Plan, of Grant Agreements entered into pursuant to the Plan, and of any rules,
regulations, determinations or decisions made by the Administrator relating to the Plan or such Grant Agreements, and the rights of any and all persons having or claiming to have any interest therein or thereunder, shall be determined exclusively in
accordance with applicable federal laws and the laws of the State of Maryland without regard to its conflict of laws principles. 
  
 (l) Effective Date; Termination Date. The Plan is effective as of the date on which the Plan is adopted by the Board, subject to approval of the
stockholders within twelve months before or after such date, and shall continue in effect for a term of ten (10) years, unless earlier terminated pursuant to Section 7(g) hereof. No Award shall be granted under the Plan after the close of business
on the day immediately preceding the tenth anniversary of the effective date of the Plan, or if earlier, the tenth anniversary of the date the Plan is approved by the stockholders, and no Award under the Plan shall have a term of more than ten (10)
years. Subject to other applicable provisions of the Plan, all Awards made under the Plan prior to such termination of the Plan shall remain in effect until such Awards have been satisfied or terminated in accordance with the Plan and the terms of
such Awards, provided, however, that no Award that contemplates exercise or conversion may be exercised or converted, and no other Award that defers vesting, shall remain outstanding and unexercised, unconverted or unvested for more than ten years
after the date the award was initially granted. 
  
 (m)
Regulatory Restrictions. The inability of the Company to obtain any necessary authority from any regulatory body having jurisdiction, which authority is deemed by the Company’s counsel to be necessary to the lawful exercise or payment of
any Award hereunder, shall relieve the Company of any liability in respect of the exercise or payment of such Award to the extent such requisite authority shall have been deemed necessary and shall not have been obtained. 
  
 PLAN APPROVAL 
  
 Date Approved by the Board:  March 11, 2004 
  
 Date Approved by the Stockholders:  June 3, 2004 
  

 9

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