附件2.1

执行 版本

协议和合并计划

之前和之间

CapStar Financial Holdings，Inc.，

和

旧国家银行

日期截至2023年10月26日

目录表

附件A—订立投票协议的董事名单

附件B—投票协议格式

定义术语索引

协议和合并计划

2023年10月26日，CapStar Financial Holdings，Inc.签署的协议和合并协议（本"协议"），田纳西州公司（“公司”） 和印第安纳州公司Old National Bancorp（“母公司”）。

W I T N E S E T H：

除此之外，公司董事会 已一致（i）确定本协议和本协议拟进行的交易（包括合并）符合公司和本公司股东的最佳利益，并宣布本协议是可取的，（ii）批准 公司签署、交付和履行本协议以及完成本协议拟进行的交易， 包括合并；

在此之前，母公司董事会 一致（i）确定本协议和本协议拟进行的交易（包括合并）符合母公司和母公司股东的最佳利益，且（ii）批准母公司签署、交付和履行本协议 并完成本协议拟进行的交易（包括合并）；

本公司董事会 在遵守本协议条款的前提下，已决定建议本公司股东批准本协议，并 将本协议提交本公司股东批准；

除此之外，就美国联邦所得税而言， 拟使合并符合经修订的1986年《国内税收法典》（以下简称“法典”）第368（a）条含义内的“重组”，本协议拟成为并被采纳为《法典》第354和361条的重组计划；

除此之外，作为 母公司愿意签订本协议的诱因和条件，附件 A中列出的本公司各董事和一名执行官同时签订投票协议，其格式作为附件B随附于本协议（“投票协议”），根据其中，除其他事项外，这些人已同意投票赞成他们所有的公司普通股股份，以批准 本协议、合并，以及为实现合并和本协议所设想的其他交易而需要批准或采用的任何其他事项；以及

除此之外，本协议各方希望就合并事项作出某些 声明、保证和协议，并对合并事项规定某些条件。

因此，考虑到本协议中包含的相互 契约、声明、保证和协议，并打算受本协议的法律约束，本协议双方 达成如下协议：

第一条

合并

1.1合并。            根据本协议的条款和条件，根据田纳西州商业公司法（“TBCA”） 和印第安纳州商业公司法（“IBCL”），在生效时间，公司应与 合并为母公司（“合并”）。母公司应为合并中的存续公司（以下简称为“存续公司”），并应根据印第安纳州法律继续存在。合并完成后，公司的独立法人资格终止。

1.2结束。             根据本协议的条款和条件，合并的完成（"结案"）将于8：印第安纳州时间埃文斯维尔上午00点，日期不得迟于满意或放弃后三（3）个工作日 （受适用法律的约束）本协议第七条 中规定的条件最迟发生的时间（根据其性质只能在收盘时满足的条件除外，但须在收盘时满足或 放弃所有条件），除非另一日期，时间或地点由公司和母公司书面同意。结算发生的日期 称为"结算日期"。

1.3有效 时间。            合并应在截止日期提交给田纳西州务卿（以下简称"田纳西州务卿"） 的合并条款（以下简称"田纳西州务卿"）和将提交给印第安纳州务卿（以下简称"印第安纳州务卿"）的合并条款中规定生效。术语“生效时间”应指合并条款生效的日期和时间，如田纳西州合并条款和印第安纳州合并条款所述。

1.4合并的影响。            在生效时间及之后，合并应具有TBCA 和IBCL适用条款中规定的效力。

1.5公司普通股转换 。            在生效时间，由于合并，且母公司或公司 或任何下列证券持有人未采取任何行动：

(a)             根据第2.2（e）节的规定，每股普通股，面值为1.00美元（“公司普通股”），公司 在生效时间之前已发行且尚未发行，但公司作为库存 股票拥有或公司或母公司拥有的公司普通股股份除外（在每种情况下，不包括（x）在信托账户、管理账户、共同基金 等中持有的股份，或（y）直接 或间接持有的股份，由于先前订立的债务），应转换为1.155股（“交换比率”）（“母公司普通股”）的母公司（“母公司普通股”），每股无面值（该对价，“合并 对价”）。

(b)            All of the shares of Company Common Stock converted into the right to receive the Merger Consideration pursuant to this Article I shall no longer be outstanding and shall automatically be cancelled and shall cease to exist as of the Effective Time, and each certificate (each, a “Certificate,” it being understood that any reference herein to “Certificate” shall be deemed to include reference to book-entry account statements relating to the ownership of shares of Company Common Stock) previously representing any such shares of Company Common Stock shall thereafter represent only the right to receive (i) the Merger Consideration, including a certificate (it being understood that any reference herein to a “certificate” representing shares of Parent Common Stock shall be deemed to include, unless the context otherwise requires, reference to book-entry account statements relating to the ownership of shares of Parent Common Stock) representing the number of whole shares of Parent Common Stock which such shares of Company Common Stock represented by such Certificate have been converted into the right to receive pursuant to Section 1.5(a), (ii) cash in lieu of fractional shares which the shares of Company Common Stock represented by such Certificate have been converted into the right to receive pursuant to Section 1.5(a) and Section 2.2(e), without any interest thereon, and (iii) any dividends or distributions which the holder thereof has the right to receive pursuant to Section 2.2. Certificates previously representing shares of Company Common Stock shall be exchanged for the Merger Consideration and the other amounts specified in the immediately preceding sentence upon the surrender of such Certificates in accordance with Section 2.2, without any interest thereon. If, prior to the Effective Time, the outstanding shares of Parent Common Stock or Company Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification, stock dividend, stock split, reverse stock split, or other similar change in capitalization, or there shall be any extraordinary dividend or distribution, an appropriate and proportionate adjustment shall be made to the Merger Consideration; provided that nothing contained in this sentence shall be construed to permit the Company or Parent to take any action with respect to the outstanding shares of Parent Common Stock or Company Common Stock, as applicable, that is expressly prohibited by the terms of this Agreement.

(c)            尽管 本协议中有任何相反的规定，在生效时间，公司作为 库存股或公司或母公司拥有的所有公司普通股股份（在每种情况下，不包括（i）在信托账户、管理账户、共同 基金等中持有的股份，或以其他方式以信托或代理身份持有的由第三方实益拥有的股份，或（ii） 直接或间接持有，由于先前订约的债务）应予以注销并不复存在，且不得交付或交换合并对价 。

1.6公司股权奖励的处理 。            

(a)            在 生效时间，购买公司普通股股份的每份期权（“公司期权”）在紧接生效时间之前尚未行使的 ，无论已归属或未归属，均应自动取消，且无需 持有人采取任何必要行动，该公司期权持有人将有权收取，为充分满足持有人在此方面的 权利，（定义如下）受每个公司 选项的限制，减去适用的预扣税，应在截止日期后合理可行的情况下尽快交付， 无论如何不得迟于截止日期后五（5）天。第1.6（a）节：

(i)            " 净股份"是指，就公司期权而言，（A）将（i）每股现金等价代价超出该公司期权每股行使价的差额（ ，如有）乘以（ii）在生效时间之前受该公司期权约束的公司普通股股份数量所得的商，（B）每股现金等价物对价。

(ii)            "每股现金等价对价"是指通过（A）交易所 比率乘以（B）母公司普通股收盘价而获得的产品（四舍五入至最接近的百分比）。

(b)            在 生效时间，公司普通股的每一股股份奖励受归属、回购或其他失效限制（“公司限制性股票奖励”）由本公司非雇员董事持有，不论已归属或未归属，在生效时间之前 尚未偿还的，应完全归属并自动取消和转换（不对持有人采取任何进一步行动 ）就该公司限制性股票奖励相关的每股公司普通股收取合并对价的权利。母公司应在截止日期后五（5）天内，发行本第1.6节所述的对价（连同任何 应计但未付股息），与根据本第1.6（b）节归属的公司限制性股票奖励相对应， 减去适用的税款扣缴。

(c)            除 第1.6（b）条中的规定或公司与母公司另行约定外，在生效时间，应假定 在生效时间之前尚未行使的每个公司限制性股票奖励（无论已归属或未归属） 并转换为限制性股票奖励（每个，"母公司限制性股票奖励"），涉及 母公司普通股股份的数量，通过乘以（i）公司相关的公司普通股股份的数量 于紧接生效时间前按（ii）兑换比率（向上舍入至最接近的整股股份）授出受限制股票奖励。 各母公司限制性股票奖励应继续具有并应遵守与紧接生效时间之前适用于相应公司限制性股票奖励的相同条款和条件（包括归属 和支付时间表，在适用计划 或奖励协议项下的任何“控制权变更”终止后保护生效后）。

(d)            除 公司与母公司另有约定外，在生效时间，与公司普通股股份有关的每个限制性股票单位奖励（公司PSU奖励除外）（“公司RSU奖励”）在紧接 生效时间之前尚未行使的，应被假定并转换为限制性股票奖励（每一个，"母公司受限制单位奖励"）， 有关母公司普通股股份的数量，通过将（i）紧接生效时间之前公司受限制单位奖励的公司普通股股份数量乘以（ii）交换比率确定，四舍五入到最接近的整个 份额。各母公司RSU奖励应继续具有并应遵守与紧接生效时间之前适用于相应公司RSU奖励的相同条款和条件（包括归属和付款 时间表，在适用计划或奖励协议下的任何"控制权变更"终止后保护生效后）。

(e)            At the Effective Time, each restricted stock unit award in respect of shares of Company Common Stock subject to performance-based vesting conditions (a “Company PSU Award” and, together with Company Options, Company Restricted Stock Awards and Company RSU Awards, “Company Equity Awards”) that is outstanding as of immediately prior to the Effective Time shall fully vest (with performance goals deemed achieved based on the greater of the target performance level and actual performance as determined by the Board of Directors of the Company or its compensation committee) and shall be cancelled and converted automatically (without any further action on part of the holder thereto) into the right to receive the Merger Consideration in respect of each share of Company Common Stock underlying such Company PSU Award. Parent shall issue the consideration described in this Section 1.6(e), less applicable Tax withholdings, within five (5) days following the Closing Date; provided, however, that, with respect to any Company PSU Award that constitutes “deferred compensation” subject to Section 409A of the Code, settlement or payment of such award shall be made on the earliest permissible date that such delivery would not trigger a Tax or penalty under Section 409A of the Code.

(f)            在 或生效时间之前，公司、公司董事会或其薪酬委员会（如适用）应 通过决议，批准本第1.6条的规定。公司董事会及其薪酬 委员会不得通过决议或采取其他行动加速任何公司股权奖励的归属，如果此类行动 由其酌情决定。在生效时间后，母公司应提交或应存档一份或多份适当的登记声明（在 表格S—3或表格S—8，或任何后续或其他适当表格上），并应保持该等登记声明的有效性，与根据本第1.6条授予的母公司限制性股票奖励和母公司RSU奖励有关。

1.7母公司 普通股。            在生效时间及之后， 生效时间之前已发行和发行的母公司普通股的每股股份仍为母公司已发行和发行的普通股，且不受合并的影响。

1.8关于存续公司成立的条款。            在生效时间，在根据适用法律进行修订之前，第五次修订和重述的母公司章程 （经修订）（以下简称“母公司证书”）在生效时间有效时应是存续公司的公司章程 。

1.9《幸存公司章程》             在生效时间，在生效时间之前生效的经修订和重述的母公司章程（经修订）（以下简称“母公司章程”） 应是存续公司的章程，直至其后根据适用法律进行修订。

1.10银行合并。          紧接合并后或在母公司可能决定的稍后时间，CapStar Bank（“公司银行”）， 田纳西州特许银行和本公司的全资子公司，将与 合并（“银行合并”）并合并为老国民银行，一家全国性银行协会银行和母公司的全资子公司（“母公司银行”）。 母银行应是银行合并中的存续实体，在银行合并后，公司 银行应停止单独的法人存在。双方同意，银行合并应在合并后立即生效，或在母公司可能决定的较晚 时间生效。银行合并应根据合并协议和计划，以双方商定的形式 （“银行合并协议”）实施。公司和母公司应促使公司银行和母公司 银行在合并后立即或在母公司可能决定的稍后时间 签署合并证书和合并条款以及使银行合并生效所需的其他协议、文件和证书（“银行合并证书”）。

1.11税务 后果。          本协议旨在使合并符合《守则》第368（a）条所指的重组，本协议旨在并被采纳为《守则》第354条和第361条所指的重组计划。

第二条

股份交换

2.1母公司 提供合并考虑。            在生效时间或之前，母公司应向母公司指定且公司合理接受的交易代理存入或促使其存入（“交易代理人”）， 证书持有人的利益，根据本第二条进行交易，（i）证书或 在母公司的选择下，以账簿形式的股份证明（统称为“新 证书”），代表将发行给公司普通股持有人的母公司普通股股份，和 （ii）现金代替零碎股份（此类现金和母普通股股份的股票，连同任何 股息或分配，以下简称“外汇基金”），将根据第1.5节发行并根据第2.2节支付，以换取 公司普通股的流通股。

2.2交换股份。            

(A)在生效时间后，在实际可行的情况下，立即            为 ，但在任何情况下不得晚于生效时间后五(5)个工作日，母公司应安排交易所代理在生效时间之前将一张或多张代表公司普通股股票的证书邮寄给每个记录持有人 ，该证书已在生效时间转换为根据第一条规定的接受合并对价的权利，一份传送函(其中应规定交付应完成，损失风险和证书所有权应通过)，仅在将证书适当交付给交易所代理后)和用于实现 交出股票以换取合并对价的指示，以及任何现金代替零碎股份，该证书或证书所代表的公司普通股 应已根据本协议 转换为收受权利，以及根据第2.2(B)节支付的任何股息或分派。在适当地将一份或多份证书交回交换和注销代理后，连同该份已妥为签署并填写妥当的信件，该证书或该等证书的持有人应有权以适用的方式换取：(br}(I)代表公司普通股持有人根据第一条规定有权获得的母公司普通股整体股数的新证书，以及(Ii)代表以下金额的支票：(A)该持有人有权就根据本条第二条的规定交出的一张或多张证书所代表的公司普通股股份收取的任何 现金，以及(B)该持有人根据第2.2条的规定有权收取的任何股息或分派，而如此交回的一张或多张证书 须随即取消。任何现金将不会支付或累算利息，以代替零碎股份或股息或应付给股票持有人的分派。除非按照第2.2条的规定交出，否则每张证书 在生效时间后的任何时间都应被视为仅代表在交出时获得合并对价的权利 以及代替零碎股份的任何现金或与第2.2条所规定的股息或分派有关的现金。

(B)            不得向任何未交出证书的持有人支付就母公司普通股宣布的任何股息或其他分配，直至其持有人按照第二条交出该证书为止。在按照第二条交出证书后，记录持有人有权获得任何此类股息或其他分配，而不产生任何利息。到目前为止，该证书所代表的公司普通股中的 股已转换为收受权利，已就母公司普通股的全部股份支付。

(c)            如果 任何代表母普通股股份的新证书将以与证书或证书的注册名称不同的名称发行，则发行该证书的条件是，如此提交的证书 应适当背书（或附有适当的转让文书），并以适当的形式转让，并且要求交换的人应事先向交换代理人支付任何转账或其他 因发行代表母普通股股份的证书而要求的类似税款，其名称不是证书的注册持有人，或因任何其他原因而要求的，或应确定交易所代理人信纳该等税款已缴付或不应缴付。

(d)            在 生效时间之后，公司的股票转让簿上不得转让 在生效时间之前已发行且尚未发行的公司普通股股份。如果在生效时间之后，代表该等股份的证书 被提交转让给交易所代理，则这些证书应予以注销，并按照本第二条的规定以现金代替零碎股份。

(e)            尽管 本文中有任何相反规定， 在交出证书以交换时，不得发行代表母普通股零碎股份的证书或代票， 或任何零碎股份均不得支付与母普通股有关的股息或分配，且该等零碎股份权益不得赋予其所有者投票权或享有母公司股东的任何其他 权利。为代替发行任何此类零碎股份，母公司应向本公司每名原股东 支付现金（四舍五入至最接近的美分）， 通过乘以（i） 报告的母公司普通股在纳斯达克证券交易所的收盘价的平均值确定 《华尔街日报》在截止日期前一个交易日（“母公司普通股收盘价”）结束的五（5）个完整交易日，（ii）该持有人有权根据第1.5节获得的母公司普通股股份的分数（当以十进制形式表示时，四舍五入至最接近的千分之一）。 双方确认，支付现金代价代替发行零碎股份并非单独进行对价交易， 仅代表机械舍入，以避免发行零碎股份所造成的费用和不便 。

(f)            本公司股东在生效时间后十二（12）个月内仍未认领外汇基金的 部分 ，须支付予母公司。任何未遵守本第二条的公司前股东， 此后应仅向母公司支付合并对价、现金代替零碎股份和任何未付股息，以及 根据本协议确定，就该前股东 持有的每股前公司普通股可交付的母公司普通股进行分配，在每种情况下，没有任何利息。尽管有上述规定，母公司、 公司、存续公司、交易所代理人或任何其他人均不对公司 普通股股票的任何前持有人根据适用的放弃财产、欺诈或类似 法律善意交付给公职人员的任何金额负责。

(g)            母公司和交易所代理的每一个 应有权从根据本协议应支付的任何对价中扣除和预扣， 根据《法典》或州、 当地或外国税法的任何规定，就支付该等款项而需要扣除和预扣的金额。在母公司或交易所代理（视具体情况而定）扣留金额的情况下，此类扣留金额 （i）将由母公司或《交易法》支付给适当的政府机构，并且（ii）就本协议的所有目的而言， 将被视为已支付给进行扣减和扣留的人。

(h)            如果 任何证书已丢失、被盗或销毁，则在声称 此类证书丢失、被盗或销毁的人就该事实作出宣誓书后，并且，如果父母要求，该人应提交一份金额为父母 可能认为合理必要的保证金，以补偿可能针对其提出的与此类证书有关的任何索赔， 交易所代理人将发行合并对价，以及任何现金，以取代 零碎股份和股息或根据本协议交付的分配，以换取此类丢失、被盗或销毁的证书。

第三条

公司声明 和保证

除(A)本公司同时向母公司交付的披露明细表(“公司披露明细表”)外；但条件是：(I)如果该项目的缺失不会导致相关声明或保证被视为不真实或不正确，则不需要将该项目列为声明或保证的例外，(Ii)仅将某一项目列入公司披露表中作为声明或保证的例外，不应被视为公司承认该项目代表了 重大例外或事实，事件或情况或该项目合理地可能导致重大不利影响，以及(Iii)关于本条III某一节的任何披露应被视为符合(1)明确引用或交叉引用的本条III的任何其他节，和(2)从披露的表面上合理地明显(尽管没有具体的交叉引用)该披露适用于该等其他节的条件。或者(B)在2021年1月1日之后、本公司向美国证券交易委员会公开提交或提交的任何公司报告中披露的(但不考虑“风险因素”标题下包含的风险因素披露，或任何“前瞻性声明”免责声明中所述的风险披露，或类似的非具体或警示性、预测性或前瞻性的任何其他声明)，公司特此向母公司作出如下声明和保证：

3.1           公司 组织。

(a)            The Company is a corporation duly organized, validly existing and in good standing under the laws of the State of Tennessee and is a bank holding company duly registered with the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company has the corporate power and authority necessary to own or lease all of its properties and assets and to carry on its business as it is now being conducted in all material respects. The Company is duly licensed or qualified to do business in each jurisdiction in which the nature of the business conducted by it or the character or location of the properties and assets owned or leased by it makes such licensing, standing, qualification necessary, except where the failure to be so licensed, in good standing, or qualified would not, either individually or in the aggregate, have a Material Adverse Effect on the Company. As used in this Agreement, the term “Material Adverse Effect” means, with respect to Parent, the Company or the Surviving Corporation, as the case may be, any effect, change, event, circumstance, condition, occurrence or development that, either individually or in the aggregate, has had or would reasonably be expected to have a material adverse effect on (i) the business, assets, results of operations or financial condition of such party and its Subsidiaries taken as a whole (provided that, with respect to this clause (i), Material Adverse Effect shall not be deemed to include the impact of (A) changes, after the date hereof, in U.S. generally accepted accounting principles (“GAAP”) or applicable regulatory accounting requirements or interpretations thereof by courts or Governmental Entities, (B) changes, after the date hereof, in laws, rules or regulations of general applicability to companies in the industries in which such party and its Subsidiaries operate, or interpretations thereof by courts or Governmental Entities, (C) changes, after the date hereof, in global, national or regional political conditions (including any outbreak, continuation or escalation of acts of war (whether or not declared), cyberattacks, sabotage, an act of terrorism, military actions) or in economic or market (including equity, credit and debt markets, as well as changes in interest rates) conditions affecting the financial services industry generally and not specifically relating to such party or its Subsidiaries, (D) changes after the date hereof resulting from any hurricanes, earthquakes, tornados, floods or other natural disasters, man-made disasters or any outbreak of any epidemic, pandemic or other public health event or emergencies (including any law, directive or guideline issued by a Governmental Entity in response thereto), (E) public disclosure of the execution of this Agreement, public disclosure or (except in the case of the representations contained in Sections 3.3(b), 3.4, 3.11(j), 4.3(b) and 4.4) consummation of the transactions contemplated hereby (including any effect on a party’s relationships with its customers or employees), actions expressly required or prohibited by this Agreement or actions taken with the prior written consent of Parent (in the case of the Company) or the Company (in the case of Parent), (F) a decline in the trading price of a party’s common stock or the failure, in and of itself, to meet earnings projections or other financial forecasts (it being understood that the underlying cause of such decline or failure may be taken into account in determining whether a Material Adverse Effect has occurred), or (G) the expenses incurred by the Company or Parent in negotiating, documenting, effecting and consummating the transactions contemplated by this Agreement; except, with respect to subclauses (A), (B), (C) or (D), to the extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations or financial condition of such party and its Subsidiaries, taken as a whole, as compared to other companies in the industry in which such party and its Subsidiaries operate) or (ii) the ability of such party to consummate the transactions contemplated hereby. As used in this Agreement, the word “Subsidiary” shall have the meaning ascribed to it in Section 2(d) of the BHC Act. True and complete copies of the Charter of the Company (the “Company Charter”) and Amended and Restated Bylaws of the Company (the “Company Bylaws”), as in effect as of the date of this Agreement, have previously been made available by the Company to Parent.

(B)            除非 不会单独或整体对公司产生重大不利影响，否则公司的每个子公司 (公司子公司)(I)根据其所在组织的司法管辖区法律是正式组织并有效存在的， (Ii)具有开展业务的正式资格，并且(如果该概念根据适用法律得到承认)在所有司法管辖区(无论是联邦、州、(I)拥有或租赁其物业或进行业务所需的资格，且(Iii)拥有拥有或租赁其物业及资产及经营其业务所需的所有必需的公司权力、授权、许可证、证书及授权。本公司任何附属公司 派发股息或分派的能力并无限制，但如附属公司为受监管实体，则对股息或分派的限制一般适用于所有该等受监管实体。作为受保存款机构的公司的每个子公司的存款账户均由联邦存款保险公司(“FDIC”)通过存款保险基金在法律允许的最大范围内投保，与此相关的所有保费和评估已在到期时支付，并且没有任何终止此类保险的诉讼悬而未决，据本公司所知，也没有受到威胁。 公司披露日程表第3.1(B)节列出了截至本公司日期 的公司所有子公司的真实完整清单。

3.2            大小写。

(A)            公司的法定股本包括35,000,000股公司普通股和5,000,000股优先股，面值为1美元。截至2023年10月24日，(I)已发行和已发行的公司普通股20,699,632股，其中 数量包括与已发行的公司限制性股票奖励有关的33,486股公司普通股，(Ii)没有已发行和已发行的公司优先股，(Iii)92,865股公司普通股，以供在 行使已发行的公司期权时发行，(Iv)108,267股公司普通股，用于在已发行的公司RSU奖励结算时发行。和(V)67,155股公司普通股，用于在结算未偿还的公司PSU奖励时发行(假设在目标水平上实现了未完成业绩期间的业绩目标)。截至本协议日期 ，除上一句所述外，自2023年10月24日以来因行使、归属或交收上一句所述任何公司股权奖励而产生的变化，本公司并无其他已发行、预留发行或未偿还的股本或其他具投票权的证券。

(B)            所有已发行及已发行的公司普通股 已获正式授权及有效发行，且已缴足股款、毋须评估 且无优先认购权，其所有权并无个人责任。没有债券、债权证、票据或其他债务有权对本公司股东可投票的任何事项进行投票。除公司披露日程表第3.2(B)节所述外，本公司不发行或未偿还信托优先或次级债务证券。除在本协议日期之前颁发的 公司股权奖励外，没有未偿还的认购、期权、认股权证、认沽、催缴、 权利、可交换或可转换证券或其他承诺或协议，要求公司发行、转让、出售、购买、赎回或以其他方式收购任何此类证券，也没有其他基于股权的奖励(包括任何现金奖励，其中支付金额全部或部分基于公司或其任何子公司的任何股本的价格确定)。 没有投票权信托、股东协议、与公司普通股或公司其他股权的投票或转让有关的有效委托书或其他协议。本公司并无任何附属公司拥有本公司的任何股本股份。

(C)             本公司直接或间接拥有本公司各附属公司的所有已发行及流通股股本或其他股权所有权权益，不受任何留置权、质押、押记、产权负担及担保权益(“留置权”)， 且所有该等股份或股权所有权均获正式授权及有效发行，并已悉数支付、无须评估(银行附属公司除外)。根据《美国法典》第12编第55节或适用的联邦或州法律的任何类似规定) 且无优先购买权，其所有权不附带任何个人责任。本公司任何附属公司拥有或受 任何性质的未偿还认购、期权、认股权证、催缴股款、权利、承诺或任何性质的协议约束，要求购买或发行该附属公司的任何股本股份或任何其他股本证券，或代表购买或以其他方式收取该附属公司的任何股本或任何其他股本证券的权利的任何证券。

3.3.            授权； 无违规行为。

(A)             公司拥有签署和交付本协议的全部公司权力和授权，并在股东和以下所述其他行动的制约下，完成本协议拟进行的交易。本协议的签署和交付以及合并和银行合并的完成已得到公司董事会的正式和有效批准。本公司董事会已确定，根据本协议规定的条款和条件，合并符合本公司及其股东的最佳利益，并已指示将本协议和拟进行的交易提交本公司的 股东大会批准，并为此通过了一项决议。除本协议获有权 投票的公司普通股过半数流通股持有人以赞成票批准(“必需的公司投票权”)，以及本公司作为其唯一股东采纳及批准银行合并协议外，本公司并无其他公司诉讼程序以批准本协议或完成拟进行的交易。本协议已由本公司正式及有效地签署及交付 ，(假设母公司作出适当授权、签立及交付)构成本公司一项有效及具约束力的义务，并可根据其条款对本公司强制执行 (在所有情况下，该等强制执行可能受破产、无力偿债、暂缓执行、重组或影响债权人一般权利及衡平法补救的类似法律所限制( “可强制执行例外情况”))。

(b)            Neither the execution and delivery of this Agreement by the Company nor the consummation by the Company of the transactions contemplated hereby, including the Merger and the Bank Merger, nor compliance by the Company with any of the terms or provisions hereof, will (i) assuming the Requisite Company Vote is obtained, violate any provision of the Company Charter or the Company Bylaws or (ii) assuming that the consents and approvals referred to in Section 3.4 and the Requisite Company Vote are duly obtained, (x) violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to the Company or any of its Subsidiaries or any of their respective properties or assets or (y) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of the Company or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which the Company or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clause (ii) above) for such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not have a Material Adverse Effect on the Company.

3.4            Consents and Approvals. Except for (a) the filing of any required applications, filings and notices, as applicable, with the Nasdaq Stock Exchange, (b) the filing of any required applications, filings and notices, as applicable, with the Federal Reserve Board under the BHC Act and approval of such applications, filings and notices, (c) the filing of any required applications, filings and notices, as applicable, with the Office of the Comptroller of the Currency, and approval of such applications, filings, and notices, (d) the filing of any required applications, filings, and notices, as applicable, with any governmental agency that has authority over the mortgage production and sale business of the Company (inclusive of Fannie Mae and Freddie Mac), and approval of such applications, filings, and notices, (e) the filing of applications, filings and notices, as applicable, with the Tennessee Department of Financial Institutions in connection with the Merger and the Bank Merger and approval of such applications, filings and notices, (f) the filing of any required applications, filings or notices with any state banking authorities listed on Section 3.4 of the Company Disclosure Schedule or Section 4.4 of the Parent Disclosure Schedule and approval of such applications, filings and notices, (g) the filing with the Securities and Exchange Commission (the “SEC”) of a proxy statement in definitive form relating to the meeting of the Company’s shareholders to be held in connection with this Agreement and the transactions contemplated hereby (including any amendments or supplements thereto, the “Proxy Statement”), and of the registration statement on Form S-4 in which the Proxy Statement will be included as a prospectus, to be filed with the SEC by Parent in connection with the transactions contemplated by this Agreement (the “S-4”) and declaration by the SEC of the effectiveness of the S-4, (h) the filing of the Tennessee Articles of Merger with the Tennessee Secretary pursuant to the TBCA and the Indiana Articles of Merger with the Indiana Secretary pursuant to the IBCL, and the filing of the Bank Merger Certificates, (i) such filings and approvals as are required to be made or obtained under the securities or “Blue Sky” laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this Agreement and (j) the approval of the listing of such Parent Common Stock on the Nasdaq Stock Exchange, no consents or approvals of or filings or registrations with any court, administrative agency or commission or other governmental authority or instrumentality or SRO (each, a “Governmental Entity”) are necessary in connection with (i) the execution and delivery by the Company of this Agreement or (ii) the consummation by the Company of the Merger and the other transactions contemplated hereby (including the Bank Merger). As of the date hereof, the Company is not aware of any reason why necessary regulatory approvals and consents will not be received.

3.5报告。            

(a)            The Company and each of its Subsidiaries have timely filed or furnished all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were required to file or furnish since January 1, 2021 with (i) the Tennessee Secretary of State, the Tennessee Department of Financial Institutions and any other state regulatory authority, (ii) the SEC, (iii) the Federal Reserve Board, (iv) the FDIC, (v) any foreign regulatory authority and (vi) any self-regulatory organization (an “SRO”) ((i) – (vi), collectively, “Regulatory Agencies”), including, without limitation, any report, registration or statement required to be filed or furnished pursuant to the laws, rules or regulations of the United States, any state, any foreign entity, or any Regulatory Agency, and have paid all fees and assessments due and payable in connection therewith, except where the failure to file such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would not have a Material Adverse Effect on the Company. Except as set forth on Section 3.5 of the Company Disclosure Schedule and for normal examinations conducted by a Regulatory Agency in the ordinary course of business of the Company and its Subsidiaries, (i) no Regulatory Agency has initiated or has pending any proceeding or, to the knowledge of the Company, investigation into the business or operations of the Company or any of its Subsidiaries since January 1, 2021, (ii) there is no unresolved violation, criticism, or exception by any Regulatory Agency with respect to any report or statement relating to any examinations or inspections of the Company or any of its Subsidiaries and (iii) there has been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory Agency with respect to the business, operations, policies or procedures of the Company or any of its Subsidiaries since January 1, 2021, in each case of clauses (i) through (iii), which would have, either individually or in the aggregate, a Material Adverse Effect on the Company.

(b)           An accurate copy of each final registration statement, prospectus, report, schedule and definitive proxy statement filed with or furnished to the SEC by the Company since January 1, 2021 pursuant to the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act (the “Company Reports”) has been made publicly available. No such Company Report, as of the date thereof (and, in the case of registration statements and proxy statements, on the dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date (but before the date of this Agreement) shall be deemed to modify information as of an earlier date. Since January 1, 2021, as of their respective dates, all Company Reports filed or furnished under the Securities Act and the Exchange Act complied in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of this Agreement, no executive officer of the Company has failed in any respect to make the certifications required of him or her under Section 302 or 906 of the Sarbanes-Oxley Act of 2002 (the “Sarbanes-Oxley Act”). As of the date of this Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to any of the Company Reports.

3.6财务报表。            

(a)            The financial statements of the Company and its Subsidiaries included (or incorporated by reference) in the Company Reports (including the related notes, where applicable) (i) have been prepared from, and are in accordance with, the books and records of the Company and its Subsidiaries, (ii) fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders’ equity and consolidated financial position of the Company and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii) complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv) have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of the Company and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. No independent public accountant has resigned (or informed the Company that it intends to resign) or has been dismissed as independent public accountants of the Company as a result of or in connection with any disagreements with the Company on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure during the six years prior to the date hereof.

(B)除 不会个别或合计对本公司造成重大不利影响的            外，本公司及其任何附属公司均无根据《公认会计原则》须列入本公司综合资产负债表的任何负债(不论绝对、应计、或有或有或其他，亦不论到期或将到期)，除本公司于截至2022年12月31日、2023年3月31日及2023年6月30日的财政年度及季度(包括任何附注)的年度及季度报告10-K表及10-Q表所载的本公司综合资产负债表上反映或预留的负债，以及自2022年12月31日以来在正常业务过程中产生的负债，或与本协议及本协议拟进行的交易有关的负债。

(C)            本公司及其附属公司的 记录、系统、控制、数据及资料均根据 指由本公司或其附属公司或会计师独家拥有及直接控制的 意指(包括任何电子、机械或摄影程序，不论是否电脑化)而记录、储存、维持及运作，但不包括任何非独家所有权及非直接控制，不论个别或整体而言，不会对本公司造成重大不利影响 。本公司(I)已实施并维持披露控制及程序(如1934年《证券交易法》(下称《交易法》)下颁布的规则13a-15(E)所界定)，以确保与本公司(包括其附属公司)有关的重大信息由本公司的首席执行官及财务总监 由该等实体内的其他适当人士 知悉，以便及时作出有关所需披露的决定，并作出《交易法》及《萨班斯-奥克斯利法案》第302及906条所要求的证明，以及(Ii)已披露：根据在此日期之前的最新评估，向公司外部审计师和公司董事会审计委员会报告(A)财务报告内部控制的设计或操作中的任何重大缺陷和重大弱点(如交易法颁布的规则13a-15(F)所定义)，这些缺陷和重大弱点可能对公司记录、处理、汇总和报告财务信息的能力产生不利影响，以及(B)任何欺诈，无论是否重大， 涉及在公司财务报告的内部控制中发挥重要作用的管理层或其他员工。 这些披露是管理层以书面形式向公司的审计师和审计委员会作出的。据本公司所知， 没有理由相信本公司的外部审计师及其首席执行官和首席财务官将 不能在下一次到期时提供根据萨班斯-奥克斯利法案第404条通过的规则和法规所要求的证明和认证。

(D)            自2021年1月1日以来，(I)本公司或其任何附属公司，或据本公司所知，本公司或其任何附属公司的任何董事、高级管理人员、雇员、审计师、会计师、律师、顾问或代表 均未收到或以其他方式 收到或获悉任何关于会计或审计惯例、程序、方法或方法(包括贷款损失准备金、减记、公司或其任何子公司或其各自内部会计控制的任何重大投诉、指控、断言或索赔，包括任何重大投诉、指控、断言或声称公司或其任何子公司从事有问题的会计或审计做法，以及(Ii)没有代表公司或其任何子公司的律师，无论是否受雇于公司或其任何子公司， 未报告有证据表明公司或其任何高级管理人员、董事、公司董事会或其任何委员会的雇员或代理人，或据公司所知 董事或公司任何高级职员。

3.7.            经纪人费用 。除摩根士丹利有限公司的聘用外，本公司或本公司的任何附属公司或彼等各自的任何高级职员或董事均未聘用任何经纪、发现者或财务顾问，或就与本协议拟进行的合并或相关交易有关的任何经纪费用、佣金或发起人费用承担任何责任。 本公司已向母公司披露截至本协议日期，与摩根士丹利有限公司的聘用有关的费用总额，该等费用涉及合并及拟进行的其他交易。

3.8.            未发生某些变更或事件。

(A)            自2022年12月31日起至本协议日期止，并无发生任何个别或合计对本公司造成重大不利影响的事件。

(B)            除 与本协议预期、要求或允许的事项有关外，自2022年12月31日至本 协议日期，本公司及其附属公司在正常过程中在各重大方面开展各自的业务 (与本协议相关的讨论和谈判除外)。

3.9法律程序。            

(a)            除 公司披露表第3.9（a）节中披露的情况外，公司及其子公司均不是任何， ，且没有未决或据公司所知，威胁重大的法律、行政、仲裁或其他程序、 索赔，针对公司或其任何子公司的任何性质的行动或政府或监管调查，或 针对其现任或前任董事或执行官，或质疑本协议所设想交易的有效性或适当性 。附表3.9（a）列出了一份真实完整的清单，列出了所有未决或威胁针对公司的诉讼，包括贷方责任和/或反诉，其中损害或损失可能合理超过100，000美元。

(b)            除 不会单独或整体对公司造成重大不利影响外，本公司、其任何子公司或本公司或其任何子公司的资产（或在合并完成后适用于存续公司或其任何子公司）均不存在任何禁令、命令、判决、法令或监管限制。

(c)            除非 个别或整体不会对公司造成重大不利影响，否则 公司或其子公司的任何保单均无未决索赔。

(d)            除 不会单独或总体对公司造成重大不利影响外， 公司或其子公司没有未决赔偿要求。

3.10税收 和纳税申报表。          

(a)            Each of the Company and its Subsidiaries has duly and timely filed (taking into account all applicable extensions) all Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Neither the Company nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any material Tax Return (other than extensions to file Tax Returns obtained in the ordinary course). All Taxes of the Company and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid. Each of the Company and its Subsidiaries has withheld and paid all Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent contractor or other third party. Neither the Company nor any of its Subsidiaries has granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. Neither the Company nor any of its Subsidiaries has received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and there are no threatened (in writing) or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of the Company and its Subsidiaries or the assets of the Company and its Subsidiaries. Neither the Company nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between or among the Company and its Subsidiaries). Neither the Company nor any of its Subsidiaries (i) has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which is or was the Company) or (ii) has any liability for the Taxes of any person (other than the Company or any of its Subsidiaries) under Treasury Regulations Section 1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor, by contract or otherwise. Neither the Company nor any of its Subsidiaries has been, within the past two (2) years, a “distributing corporation” or a “controlled corporation” (within the meaning of Section 355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section 355 of the Code. Neither the Company nor any of its Subsidiaries has participated in a “reportable transaction” within the meaning of Treasury Regulations Section 1.6011-4(b)(1). At no time during the past five (5) years has the Company been a United States real property holding corporation within the meaning of Section 897(c)(2) of the Code.

(b)            本协议中使用的术语"税"或"税"是指所有联邦、州、地方和外国收入、消费税、总收入、从价税、利润、收益、财产、资本、销售、转让、使用、许可证、工资单、就业、社会保障、遣散费、失业、预扣税、关税、消费税、意外利润、无形资产、特许经营权、后备预扣税、增值， 替代或附加的最低税、估计税和其他税、收费、征费或类似的评税，以及所有罚款和附加税 和相关利息。

(c)            在本协议中使用的术语“纳税申报表”是指提供或 要求提供给政府实体的任何申报表、退款要求或信息 申报表或申报表，包括任何附表或附件，以及包括其任何修订。

3.11员工 和员工福利计划。            

(a)             公司披露计划第3.11（a）节列出了所有公司福利计划的真实、正确和完整清单。就本协议而言， "公司福利计划"是指所有员工福利计划（定义见1974年《雇员退休收入保障法》第3（3）节，经修订（"ERISA"）），无论是否受ERISA约束，以及所有股票期权、股票购买、限制性股票、激励、递延补偿、退休人员医疗或人寿保险、退休、储蓄，补充退休、 保留、奖金、雇佣、控制权变更、终止或遣散计划、计划、协议或安排，这些计划、协议或安排由本公司或其任何子公司的任何现任 或前任雇员、高级职员或董事受益，不包括任何多雇主计划。

(b)            迄今为止， 公司已向母公司提供了（i）每个公司福利计划（包括其任何修订 和所有相关信托文件、保险合同或其他融资工具）的真实和完整副本，以及（ii）在适用的情况下，（A）ERISA要求的 关于该公司福利计划的最新概要计划说明，（B）提交给美国国税局（"IRS"）的最新年度 报告（表格5500），（C）最近收到的与该公司福利计划有关的IRS决定 函，以及（D）最近为每个公司福利计划准备的精算报告。

(c)            每个 公司福利计划在所有重大方面都根据其条款和所有适用法律（包括ERISA和守则）的要求建立、运营和管理。

(d)             公司披露表第3.11（d）节确定了拟根据 《守则》第401（a）节获得资格的每个公司福利计划（“公司合格计划”）。国税局已就每个 公司合格计划和相关信托发布了有利的确定函，该信尚未被撤销（据公司所知，没有撤销威胁 ），而且，据公司所知，没有任何现有情况和事件会合理地 预期会对任何公司合格计划或相关信托的合格状态造成不利影响。

(e)            任何 公司福利计划均不受ERISA第302条或第四章或《守则》第412、430或4971条的约束，且在 紧接之前的六（6）年内，公司或其ERISA关联公司未发生 未完全满足的受控集团责任，且据公司所知，不存在对公司 或其ERISA关联公司构成承担任何此类责任的重大风险的条件。就本协议而言，“受控集团责任” 是指（i）ERISA第IV章下的任何及所有责任，（ii）ERISA第302条下的任何责任，（iii）《守则》第412和4971条下的第412和4971条下的责任，或（iv）由于未能遵守第601条的持续覆盖要求而导致的责任 等后第4980B条的规定。就本协议而言，"ERISA关联公司"指， 就任何实体、贸易或业务而言，是或在相关时间曾经是《守则》第414（b）、（c）、（m）或（o）条或ERISA第4001（b）（1）条所述集团的成员的任何其他实体、贸易或业务，其中包括 或包括第一实体、贸易或业务，或者是或在相关时间曾经是与ERISA第4001（a）（14）条规定的第一个实体、贸易或业务相同的“受控集团”的成员。

(f)             在过去六（6）年的任何时候，公司、其任何子公司或其各自的ERISA关联公司都没有 赞助、维护、出资或有义务出资（i）ERISA第4001（a）（3）条所指的任何“多雇主计划” （a "多雇主计划"），（ii）在ERISA第4063条定义范围内，有两个 或多个出资赞助人的计划，其中至少两个不受共同控制（a "多雇主计划"），或（iii）受ERISA第302条或第IV条或《守则》第412条、 430条或4971条约束的计划。

(g)             公司或其任何子公司均不赞助任何员工福利计划，也不对 为退休或前员工或其 受益人或家属提供任何离职后或退休后健康或医疗或人寿保险福利的安排承担任何义务，但本守则第4980B条要求的除外。

(h)            适用法律或任何计划文件要求向任何公司福利计划支付的所有 供款，以及为任何公司福利计划提供资金的保险单 所有到期或应付的保费，在截至本协议日期的任何期间内，已及时支付或 全额支付，或在本协议日期或之前不需要支付或支付的范围内，已充分反映在公司的账簿和 记录中，除非单独或整体，否则不会合理预期导致对公司及其子公司产生任何重大 责任。

(i)              没有未决或威胁索赔（在正常过程中的福利索赔除外）、 已主张或提起的诉讼或仲裁，并且据公司所知，不存在任何合理预期会导致 针对公司福利计划的索赔或诉讼的情况，其任何受托人就其对公司福利 计划或任何公司福利计划下的任何信托资产的职责，但单独或合计除外， 不会合理预期导致对公司及其子公司产生任何重大责任。

(j)             除 公司披露表第3.11（j）条中规定的情况外，本协议的签署和交付或 本协议预期交易的完成，（单独或连同任何其他事件一起）（i）导致、导致归属、行使或交付，促使公司或其任何子公司转移或预留任何资产，以 为任何公司福利计划项下的任何重大福利提供资金，（ii）增加任何付款的金额或价值，本公司或其任何子公司的任何雇员或董事的权利或其他 利益，（iii）导致对 本公司或其任何子公司修改、合并、终止或从任何公司福利计划或相关 信托获得资产返还，或（iv）导致任何付款或福利，单独或与任何其他此类付款组合， 应被描述为《法典》第280G（b）（1）条所指的“超额降落伞付款”。

(k)             公司或其任何子公司均不是任何计划、计划、协议或安排的一方，这些计划、计划、协议或安排根据《守则》第409A条或第4999条征收的税款总额或偿还 。

(l)            每个 公司福利计划是"不合格的递延补偿计划"（定义见《守则》第409A（d）（1）条）及其下的任何裁决，在每种情况下，均受《守则》第409A条约束，（i）自2005年1月1日以来， 在所有重大方面都得到维持和实施，诚信遵守《守则》第409A条和IRS通告2005—1，以及（ii）自2009年1月1日起，在所有重大方面，在文件和操作上均符合《守则》第409A条 。

(m)             没有 或据公司所知，对 公司或其任何子公司的任何未决或威胁性的劳动申诉或不公平劳动实践索赔或指控，也没有针对公司或其任何子公司的任何罢工或其他重大劳动纠纷。 公司或其任何子公司均不参与或约束与任何劳工组织达成的任何集体谈判或类似协议， 或与任何劳工组织或雇员协会达成的适用于公司或其任何子公司员工的工作规则或惯例， 公司或其任何子公司均不参与或约束，据公司所知，没有任何工会或其他团体寻求 代表公司及其子公司的任何员工。

(n)             公司及其子公司在所有重大方面均遵守并自2019年12月31日以来一直在所有重大方面 遵守有关雇佣和雇佣惯例、雇佣条款和条件、工资和工时、带薪病假、员工分类和独立承包商、公平薪酬惯例、隐私权、劳资纠纷、雇佣歧视、 性或种族骚扰或歧视、工人补偿或长期残疾政策、报复、移民、 家庭和医疗假、职业安全和健康以及与任何降低效力有关的其他法律（包括通知、信息 和咨询要求）。

(o)            （i）据 公司所知，自2019年12月31日以来， 没有针对任何公司内部人士提出过性或种族骚扰或性或种族不当行为的书面指控，（ii）自2019年12月31日以来，公司或其任何 子公司均未就性或种族骚扰或基于性或种族的指控达成任何和解协议 任何公司内部人士的不当行为，以及（iii）目前没有任何待决的诉讼程序，或据公司所知， 威胁涉及任何公司内部人士的性或种族骚扰或性或种族不当行为的指控。

3.12         Compliance with Applicable Law. The Company and each of its Subsidiaries hold, and have held at all times since January 1, 2021, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, have a Material Adverse Effect on the Company. No suspension or cancellation of any such necessary license, franchise, permit or authorization that is material to the business of the Company and its Subsidiaries (taken as a whole) is pending or, to the knowledge of the Company, threatened. The Company and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any applicable law, statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to the Company or any of its Subsidiaries, including, without limitation, all laws related to data protection or privacy, the USA PATRIOT Act, any laws, regulations or sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans. Company Bank has a Community Reinvestment Act rating of “satisfactory” or better. To the knowledge of the Company, none of the Company, or its Subsidiaries, any director, officer, employee, agent or other person acting on behalf of the Company or any of its Subsidiaries has, directly or indirectly, (a) used any funds of the Company or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (b) made any unlawful payment to foreign or domestic governmental officials or employees or to foreign or domestic political parties or campaigns from funds of the Company or any of its Subsidiaries, (c) violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d) established or maintained any unlawful fund of monies or other assets of the Company or any of its Subsidiaries, (e) made any fraudulent entry on the books or records of the Company or any of its Subsidiaries, or (f) made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment in securing business to obtain special concessions for the Company or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for the Company or any of its Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department.

3.13某些 合同。         

(a)            Except as set forth in Section 3.13(a) of the Company Disclosure Schedule, as of the date hereof, neither the Company nor any of its Subsidiaries is a party to or bound by any contract, arrangement, commitment or understanding (whether written or oral) (i) which is a “material contract” (as such term is defined in Item 601(b)(10) of Regulation S-K of the SEC), (ii) which contains a provision that limits (or purports to limit) in any material respect the ability of the Company or its affiliates (or, following the Closing, the Surviving Corporation or its affiliates) to engage or compete in any business (including (a) any exclusivity or exclusive dealing provisions with such an effect or (b) any geographic restrictions and preferential arrangements), (iii) with or to a labor union or guild (including any collective bargaining agreement), (iv) other than extensions of credit (all of which extensions of credit have been made in compliance with Company Bank’s credit policy manual and all applicable laws, statutes, rules or regulations), other banking products offered by the Company and its Subsidiaries or derivatives, which creates future payment obligations to or from the Company or its Subsidiaries in excess of $100,000 annually, and that by its terms does not terminate or is not terminable without penalty upon notice of sixty (60) days or less, (v) that grants any right of first refusal, right of first offer or similar right with respect to any material assets, rights or properties of the Company or its Subsidiaries, taken as a whole, (vi) for any joint venture, partnership or similar agreement material to the Company or its Subsidiaries, (vii) that requires the Company or its Subsidiaries to sell or purchase goods or services on an exclusive basis or make referrals of business to any person on a priority or exclusive basis, (viii) that relates to the acquisition or disposition of any business, capital stock or assets of any Person (whether by merger, sale of stock, sale of assets or otherwise) that has any remaining obligations (other than customary obligations relating to the indemnification of directors and officers), or (ix) that relates to any real property leased, subleased, licensed or occupied by the Company or its Subsidiaries as lessee, sublessee, licensee or occupant and provides for annual payments by the Company or its Subsidiaries in excess of $100,000. Each contract, arrangement, commitment or understanding of the type described in this Section 3.13(a) (excluding any Company Benefit Plan), whether or not set forth in the Company Disclosure Schedule, is referred to herein as a “Company Contract,” and neither the Company nor any of its Subsidiaries knows of, or has received notice of, any violation of the above by any of the other parties thereto which would have, either individually or in the aggregate, a Material Adverse Effect on the Company.

(b)            在 每种情况下，除非单独或总体不会对公司造成重大不利影响，（i）每份 公司合同对公司或其子公司有效并具有约束力（如适用），且具有充分效力和作用；（ii） 公司及其子公司已履行了迄今为止根据每份公司合同要求其履行的所有义务， （iii）每份公司合同的每个第三方交易对手已履行了迄今为止根据该公司合同要求其履行的所有义务 ，并且（iv）不存在任何事件或条件构成或在通知或时间到期后或两者同时发生 将构成公司或其任何子公司在任何该公司合同下的违约。

3.14         Agreements with Regulatory Agencies. Except as would not be material to the Company and its Subsidiaries, taken as a whole, neither the Company nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 2021, a recipient of any supervisory letter from, or since January 1, 2021, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Company Disclosure Schedule, a “Company Regulatory Agreement”), nor has the Company or any of its Subsidiaries been advised in writing or, to the knowledge of the Company, otherwise since January 1, 2021, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering, or requesting any such Company Regulatory Agreement.

3.15风险 管理工具。          除非单独或总体不会对公司造成重大不利影响， 所有利率掉期、上限、下限、期权协议、期货和远期合同以及其他类似衍生品交易以及 风险管理安排，无论是为公司、其任何子公司的账户，还是为公司或其任何子公司的客户 的账户，在日常业务过程中，并根据任何监管机构的适用规则、 法规和政策，与据信当时负有财务责任的交易对手订立，是公司或其子公司 合法、有效和有约束力的义务，可根据其条款强制执行（除非 可能受到强制执行性条款的限制），并具有充分的效力和作用。除非单独或 总体而言不会对公司造成重大不利影响，否则公司及其各子公司已适当履行其在本协议项下的义务 ，且据本公司所知，本协议项下的任何一方均未发生违反、 违规或违约或指控或断言。

3.16环境问题。         本公司及其子公司在所有重大方面均遵守与以下事项有关的任何联邦、州或地方法律、法规、 命令、法令、许可证、授权、普通法或机构要求：（a）保护或恢复环境， 健康和安全，因为它涉及危险物质暴露或自然资源损害，（b）处理，使用，存在，处置， 释放或威胁释放或暴露于任何危险物质，或（c）噪音、气味、湿地、室内空气、污染、 污染或暴露于任何危险物质而对人员或财产造成的任何伤害（统称为"环境法"）。 没有法律、行政、仲裁或其他程序、索赔或诉讼，或据公司所知，任何私人环境 调查或补救活动或任何性质的政府调查，试图或 合理预期导致公司或其任何子公司承担 任何环境法下产生的任何重大责任或义务，待决或对公司构成威胁据公司所知，任何 此类诉讼、索赔、行动或政府调查都没有合理的依据，这些诉讼、索赔或政府调查将对公司施加任何重大责任或重大义务。

3.17投资 证券和商品。         

(a)            除 不会单独或总体对公司造成重大不利影响外，各公司及其子公司 对其拥有的所有证券和商品均拥有良好的所有权（除根据回购协议出售的），自由和明确的任何留置权。 除非公司报告中包含的财务报表中所列的内容，或该等证券或商品已质押 在正常业务过程中，以担保公司或其子公司的债务。此类证券和商品在所有重大方面均按照公认会计原则在公司账簿上进行估值。

(b)             公司及其子公司及其各自的业务采用投资、证券、商品、风险管理和其他政策、 公司认为在此类业务范围内是审慎和合理的做法和程序，并且据公司所知， 公司及其子公司一直严格遵守此类政策，自2021年1月1日以来，所有 重大方面的惯例和程序。

3.18         Real Property. The Company or a Company Subsidiary has good and marketable title in fee simple to all the real property reflected in the latest audited balance sheet included in the Company Reports as being owned by the Company or a Company Subsidiary or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary course of business) (the “Company Owned Properties”), free and clear of all Liens, except (i) statutory Liens securing payments not yet due, (ii) Liens for real property Taxes not yet due and payable, (iii) easements, rights of way, and other similar encumbrances that do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties and (iv) such imperfections or irregularities of title or Liens as do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties (clauses (i) through (iv), collectively, “Permitted Encumbrances”), and (b) is the lessee of all leasehold estates reflected in the latest audited financial statements included in such the Company Reports or acquired after the date thereof (except for leases that have expired by their terms since the date thereof) (collectively with the Company Owned Properties, the “Company Real Property”), free and clear of all Liens of any nature whatsoever, except for Permitted Encumbrances, and is in possession of the properties purported to be leased thereunder, and each such lease is valid without default thereunder by the lessee or, to the knowledge of the Company, the lessor. Except as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, there are no pending or, to the knowledge of the Company, threatened condemnation proceedings against the Company Real Property.

3.19         Intellectual Property. The Company and each of its Subsidiaries owns, or is licensed to use (in each case, free and clear of any material Liens), all Intellectual Property necessary for the conduct of its business as currently conducted. Except as would not, either individually or in the aggregate, have a Material Adverse Effect on the Company, (a) (i) the use of any Intellectual Property by the Company and its Subsidiaries does not infringe, misappropriate or otherwise violate the rights of any person and is in accordance with any applicable license pursuant to which the Company or any Company Subsidiary acquired the right to use any Intellectual Property, and (ii) since January 1, 2021, no person has asserted in writing to the Company that the Company or any of its Subsidiaries has infringed, misappropriated or otherwise violated the Intellectual Property rights of such person, (b) no person is challenging or, to the knowledge of the Company, infringing on or otherwise violating, any right of the Company or any of its Subsidiaries with respect to any Intellectual Property owned by the Company or its Subsidiaries, and (c) since January 1, 2021, neither the Company nor any Company Subsidiary has received any notice of any pending claim with respect to any Intellectual Property owned by the Company or any Company Subsidiary, and (d) the Company and its Subsidiaries have taken commercially reasonable actions to avoid the abandonment, cancellation or unenforceability of all Intellectual Property owned or licensed, respectively, by the Company and its Subsidiaries. For purposes of this Agreement, “Intellectual Property” means trademarks, service marks, brand names, internet domain names, logos, symbols, certification marks, trade dress and other indications of origin, the goodwill associated with the foregoing and registrations in any jurisdiction of, and applications in any jurisdiction to register, the foregoing, including any extension, modification or renewal of any such registration or application; patents, applications for patents (including divisions, continuations, continuations in part and renewal applications), all improvements thereto, and any renewals, extensions or reissues thereof, in any jurisdiction; trade secrets; and copyrights registrations or applications for registration of copyrights in any jurisdiction, and any renewals or extensions thereof.

3.20相关 当事方交易。         一方面，公司或其任何 子公司之间没有任何交易或一系列相关交易、协议、安排或谅解， 目前也没有任何拟议的交易或一系列相关交易，且根据根据《交易法》颁布的S—K条例第404项，及任何现任或前任董事或"执行官"（定义见《交易法》第3b—7条）本公司或其任何子公司或任何实益拥有（根据交易法第13d—3条和第13d—5条的定义）5%或以上的已发行公司普通股（或此类人员的任何直系亲属 或关联公司）（公司子公司除外），但公司 或其子公司的员工一般可以使用的类型除外。

3.21州 接管法。         公司董事会已批准本协议及本协议拟进行的交易 ，以使该等协议和交易不适用于《TBCA》第§ § 48—103条以及任何类似的"暂停"、 "控制股"、"公平价格"、"收购"或"利益相关股东"法律（任何此类法律， "收购法规"）。

3.22重组。          公司尚未采取任何行动，也不知道存在任何可合理预期 会阻止或阻碍合并符合 守则第368（a）条定义的"重组"资格的事实或情况。

3.23财务顾问的意见。         在本协议签署之前，公司董事会已收到一份意见，（ 如果最初以口头方式提交，已经或将由同一日期的书面意见予以确认）摩根士丹利有限责任公司（Morgan Stanley & Co. LLC）的大意是，截至该意见之日，并基于并受其中规定的因素、假设和限制 ，从财务角度来看，本协议规定的交换比率对公司普通股持有人而言是公平的。截至本协议日期，该意见尚未被修订或撤销。

3.24公司 信息。          由公司或其代表 提供的与公司及其子公司有关的信息，具体包括在委托书和S—4中，或在提交给任何其他监管机构的任何其他文件中， 将不包含任何对重大事实的不真实陈述，也不遗漏作出陈述所需的重大事实 ，根据他们所做的事情，而不是误导。委托书中与公司 及其子公司有关的部分将在所有重大方面遵守《交易法》及其相关规则和条例 的规定。尽管有上述规定，公司对根据母公司或其子公司或代表母公司或其子公司提供或提供的信息以引用方式作出或纳入其中的声明不作任何声明或保证，以包含在《代理声明》或S—4中。

3.25贷款 投资组合。         

(a)            Except as would not have, either individually or in the aggregate, a Material Adverse Effect on the Company, each loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and interest-bearing assets) (collectively, “Loans”) of the Company and its Subsidiaries (i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent carried on the books and records of the Company and its Subsidiaries as secured Loans, has been secured by valid charges, mortgages, pledges, security interests, restrictions, claims, liens or encumbrances, as applicable, which have been perfected (iii) is the legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to the Enforceability Exceptions, and (iv) has been made in the ordinary course of business, consistent with past practice, and in accordance with Company Bank’s credit policies and procedures. No Loan that has as of the date hereof an outstanding balance of $1,000,000 or more and that (A) was not over ninety (90) days or more delinquent in payment of principal or interest as of June 30, 2023, is as of the date hereof over ninety (90) days or more delinquent in payment of principal or interest, or (B) was not classified by the Company as “Other Loans Specially Mentioned,” “Special Mention,” “Substandard,” “Doubtful,” “Loss,” “Classified,” “Criticized,” “Credit Risk Assets,” “Concerned Loans,” “Watch List” or words of similar import, as of June 30, 2023, is as of the date hereof so classified.

(b)            除 不会单独或总体对公司造成重大不利影响外，公司及其子公司的每笔未偿还贷款 （包括为转售给投资者而持有的贷款）是征求和发起的，并且正在管理和（如适用）服务，并且正在维护相关贷款文件，在所有重大方面，根据相关 票据或其他信贷或担保文件，公司及其子公司的书面承销标准（如果 为转售给投资者而持有的贷款，则适用投资者的承销标准（如有））以及所有适用的联邦、 州和地方法律，条例和规则。

(c)            除 不会单独或总体对公司造成重大不利影响外，公司或 任何子公司目前或自2021年1月1日以来从未受到任何罚款、暂停、和解或其他合同 或其他行政协议或制裁，或任何贷款购买承诺的任何减少，与抵押贷款或消费贷款的发起、销售或服务有关的任何政府实体或监管机构。

3.26保险。             除非单独或总体不会对公司造成重大不利影响：（a）公司及其子公司已向信誉良好的保险公司投保，投保金额为公司管理层合理确定为谨慎且符合行业惯例的风险，（b）本公司及其子公司遵守 其保单，且未违反保单条款，（c）每份保单均未执行且完全 有效，（d）除为公司 及其子公司的管理人员、董事和雇员的潜在责任投保的保单外，公司或其相关子公司是该等保单的唯一受益人，且（e）根据任何该等保单应支付的所有保费 和其他款项均已支付，所有索赔均已及时及时提交。公司 披露附表3.26列出了公司及其子公司所有保险单、承运人、保险范围 限额、保费和免赔额的真实和正确清单。

3.27信息 安全。         

(a)            除 据公司所知，自 2021年1月1日以来，没有任何第三方未经授权访问由公司及其子公司控制的任何信息系统或网络，并对公司及其子公司的业务运营具有重要影响 ，而且，据公司所知，其信息技术系统或网络不存在数据安全 或其他技术漏洞。

(b)             公司及其子公司实施的备份和灾难恢复技术与行业标准和 惯例相当一致。

(c)             公司及其子公司目前在所有重大方面均遵守与其各自信息技术和计算机系统、网络、硬件、软件、 数据和技术的隐私和安全有关的所有适用法律、内部政策和合同义务，防止未经授权的使用、访问、盗用或修改。

3.28信托 业务。         本公司及其任何子公司均未管理其作为受托人管理的任何账户，包括 其作为受托人、代理人、保管人、遗产代理人、监护人、保管人或投资顾问的账户。

3.29         Mortgage Banking Activities. Since January 1, 2021, all Mortgage Loans have been originated, processed, underwritten, closed, funded, insured, sold or acquired, serviced and subserviced (including all loan application, loss mitigation, loan modification, foreclosure and real property administration activities), and all disclosures required by applicable law made by the Company or any of its Subsidiaries in connection with the Mortgage Loans have been provided to the borrowers thereof, in each case, in accordance with all applicable law in all material respects; (ii) no Mortgage Loans were originated by any person other than the Company or one of its Subsidiaries; (iii) no fraud or material error, omission, misrepresentation, mistake or similar occurrence has occurred on the part of the Company or its Subsidiaries or, to the knowledge of the Company, any third-party servicer in connection with the origination or servicing of any of the Mortgage Loans; and (iv) other than obligations to repurchase that are customary for the mortgage business, neither the Company nor any of its Subsidiaries has any obligation or potential obligation to, repurchase or re-acquire from any person any Mortgage Loan or any collateral securing any Mortgage Loan, whether by Contract or otherwise. “Mortgage Loan” means any and all Loans secured by one (1) to four (4) family residential properties, mixed use properties (but only to the extent subject to the United States Department of Housing and Urban Development’s 203(k) program), Loans secured by interests in cooperatives, condominium units and units in planned unit developments owned, originated (or in the process of origination), made, entered into, serviced or subserviced by the Company or its Subsidiaries at any time, including and real property acquired in connection with the default of any mortgage loan.

3.30无 其他陈述或声明。            

(a)            除 公司在本第三条中作出的陈述和保证外，公司或任何其他人 均未就公司、其子公司或其各自的业务、 运营、资产、负债、条件（财务或其他方面）或前景作出任何明示或暗示的陈述或保证，公司特此否认任何其他此类陈述 或保证。特别是，在不限制前述免责声明的情况下，公司或任何其他人均不向母公司或其任何关联公司或代表作出任何 声明或保证，涉及（i）与公司、其任何子公司或其各自业务有关的任何财务预测、预测、 估计、预算或预期信息，或（ii）除 公司在本第三条中作出的陈述和保证外， 在母公司或其任何关联公司或代表对公司进行尽职调查的过程中，向其提供的任何口头或书面信息，本协议的谈判 或在本协议预期的交易过程中。

(b)             公司承认并同意，无论是母公司还是代表母公司的任何其他人都没有作出或正在作出，公司也没有 依赖第四条所载的任何明示或暗示的声明或保证。

第四条

保证金的陈述和保证

Except (a) as disclosed in the disclosure schedule delivered by Parent to the Company concurrently herewith (the “Parent Disclosure Schedule”); provided that (i) no such item is required to be set forth as an exception to a representation or warranty if its absence would not result in the related representation or warranty being deemed untrue or incorrect, (ii) the mere inclusion of an item in the Parent Disclosure Schedule as an exception to a representation or warranty shall not be deemed an admission by Parent that such item represents a material exception or fact, event or circumstance or that such item is reasonably likely to result in a Material Adverse Effect, and (iii) any disclosures made with respect to a section of this Article IV shall be deemed to qualify (1) any other section of this Article IV specifically referenced or cross-referenced and (2) other sections of this Article IV to the extent it is reasonably apparent on its face (notwithstanding the absence of a specific cross-reference) from a reading of the disclosure that such disclosure applies to such other sections, or (b) as disclosed in any Parent Reports publicly filed with or furnished to the SEC by Parent after January 1, 2021 and prior to the date hereof (but disregarding risk factor disclosures contained under the heading “Risk Factors,” or disclosures of risks set forth in any “forward-looking statements” disclaimer or any other statements that are similarly non-specific or cautionary, predictive or forward-looking in nature), Parent hereby represents and warrants to the Company as follows:

4.1公司 组织。           

(a)            母公司 是一家根据印第安纳州法律正式组建、有效存在且信誉良好的公司，是一家根据《BHC法案》在联邦储备委员会正式注册的银行控股公司 。母公司拥有拥有或租赁 其所有财产和资产以及在所有重大方面开展其业务所需的公司权力和授权。母公司已获得正式许可 或有资格在每个司法管辖区开展业务，且其所从事业务的性质或 所拥有或租赁的财产和资产的性质或位置使得此类许可或资格成为必要的，除非未获得许可 或资格不会单独或总体对母公司造成重大不利影响。母公司先前已向 公司提供 经修订和重述的母公司章程（以下简称"母公司章程"）和母公司章程（以下简称"母公司章程"）的真实和完整副本。

(b)            Except, as would not, either individually or in the aggregate, have a Material Adverse Effect on Parent, each Subsidiary of Parent (a “Parent Subsidiary”) (i) is duly organized and validly existing under the laws of its jurisdiction of organization, (ii) is duly qualified to do business and, where such concept is recognized under applicable law, in good standing in all jurisdictions (whether federal, state, local or foreign) where its ownership or leasing of property or the conduct of its business requires it to be so qualified and (iii) has all requisite corporate power and authority necessary to own or lease its properties and assets and to carry on its business as now conducted. There are no restrictions on the ability of any Subsidiary of Parent to pay dividends or distributions except, (i) in the case of a Subsidiary that is a regulated entity, for restrictions on dividends or distributions generally applicable to all such regulated entities and (ii) in the case of trust preferred securities and indebtedness in respect thereof, for customary restrictions on dividends. The deposit accounts of each Subsidiary of Parent that is an insured depository institution are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted by law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no proceedings for the termination of such insurance are pending or, to the knowledge of Parent, threatened.

4.2资本化。           

(a)            截至本协议签署日期 ，母公司的授权股本包括600，000，000股母公司普通股和 2，000，000股无面值优先股（“母公司优先股”）。截至2023年10月25日，有 （i）292，622，365.87股已发行和发行的母普通股，包括约1，945，737股已授予的受限制母普通股未发行奖励，（ii）230，500股已发行和未发行的母优先股，以及（iii）约17，638股，545股母公司普通股已发行或预留发行及未来授予的母公司股权激励计划。截至本协议之日，除上一句中所述的情况外， 以及自2023年10月25日以来因行使、归属或结算上一句中所述的任何母公司限制性股票单位 奖励而发生的变更外， 母公司没有其他已发行、保留发行或未发行的股本或其他有表决权证券。

(b)            母公司普通股的所有 已发行和发行在外的股票均已正式授权和有效发行，且已全额支付、不可评估 且无优先购买权，且其所有权不附带个人责任。没有债券、债券、票据或 其他债务有权就母公司股东可以投票的任何事项进行表决。除第4.2（a）条第 （iii）和（iv）条所述者外，截至本协议日期，没有未完成的认购、 期权、认股权证、看跌期权、看涨期权、权利、可交换或可转换证券或其他承诺或协议，使母公司有义务 发行、转让、出售、购买、赎回或以其他方式收购任何此类证券。关于母公司普通股或母公司其他股权的投票或转让，没有投票信托、股东协议、 委托书或其他有效协议。

(c)            除 母公司披露附表4.2（c）中规定的情况外，母公司直接或间接拥有各母公司子公司的所有已发行和已发行股本 股票或其他股权，不存在任何留置权，且所有此类股票或 股权均经正式授权和有效发行，且已缴足，不可征税（除，关于银行子公司， 根据12 U.S.C.的规定。§ 55或适用的联邦或州法律的任何类似条款），且不享有优先购买权， 其所有权不附带个人责任。母公司子公司没有或不受任何尚未行使的认购、 期权、认股权证、认购、权利、承诺或协议的约束，要求购买或发行该子公司的任何股本或任何其他股本证券，或代表购买或以其他方式接收该子公司的任何股本或任何其他股本证券的权利的任何证券。

4.3权限； 无违规行为。           

(a)            母公司 拥有完全的公司权力和授权来执行和交付本协议，并在遵循股东和下文所述的其他行动 的前提下，完成本协议预期的交易。本协议的签署和交付以及合并 和银行合并的完成已得到母公司董事会的正式和有效批准。除母公司作为母银行的唯一股东采纳和批准 银行合并协议（“母公司批准”）外，母公司方面无需进行其他公司程序（包括母公司股东的任何投票）来批准本协议或完成 此处预期的交易。本协议已由母公司正式有效地签署和交付，且（假定公司正式授权、 执行和交付）构成母公司有效且具有约束力的义务，可根据 条款对母公司强制执行（除非在所有情况下，此类可执行性可能受到可执行性条款的限制）。合并中拟发行的母公司普通股股票 已获得有效授权，且在发行时将有效发行、缴足且不可评估， 且母公司当前或过去的股东均不享有任何优先购买权或类似权利。

(b)            Neither the execution and delivery of this Agreement by Parent, nor the consummation by Parent of the transactions contemplated hereby, including the Merger and the Bank Merger, nor compliance by Parent with any of the terms or provisions hereof, will (i) violate any provision of the Parent Articles, the Parent Bylaws, or (ii) assuming that the consents and approvals referred to in Section 4.4 and the Parent Approval is duly obtained, (x) violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Parent, any of its Subsidiaries or any of their respective properties or assets or (y) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien upon any of the respective properties or assets of Parent or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, agreement or other instrument or obligation to which Parent or any of its Subsidiaries is a party, or by which they or any of their respective properties or assets may be bound, except (in the case of clause (ii) above) for such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not have a Material Adverse Effect on Parent.

4.4.           同意和批准。除(A)向纳斯达克证券交易所提交申请、备案和通知(视情况而定)外， (B)根据BHC法案向美联储董事会提交申请、备案和通知(视情况而定)并批准此类申请、备案和通知，(C)向货币监理署提交任何必要的申请、备案和通知(视情况而定)，以及批准此类申请、备案和通知，(D)提交任何必要的 申请、备案和通知(视情况而定)。与任何有权管理公司抵押贷款生产和销售业务的政府机构(包括房利美和房地美)，以及此类申请、备案和通知的批准，(E)向田纳西州金融机构部门提交申请、备案和通知，视情况而定，与合并和银行合并以及批准此类申请、备案和通知有关，(F)提交任何必要的申请， 向《公司披露日程表》第3.4节或《母公司披露日程表》第4.4节所列的任何州银行当局提交的文件或通知，以及此类申请、文件和通知的批准，(G)向美国证券交易委员会提交委托书和S-4(其中委托书将作为招股说明书包括在内)，以及美国证券交易委员会宣布S-4的有效性，(H)根据《美国企业会计准则》提交田纳西州与田纳西州秘书的合并章程，以及(br}银行合并证书和印第安纳州合并章程根据《银行间同业拆借规则》向印第安纳州秘书提交)，(I)根据各州证券或蓝天法律与根据本协议发行母公司普通股有关的 需要作出或获得的备案和批准，以及(J)批准此类母公司普通股在纳斯达克证券交易所上市，对于(I)母公司签署和交付本协议或(Ii)母公司完成合并和本协议预期的其他交易(包括银行合并)，不需要任何政府实体的同意或批准或备案或登记 。截至本协议日期，母公司尚不了解无法收到必要的监管批准和同意的任何原因 。

4.5           报告。

(A)            母公司 及其每个子公司已及时提交自2021年1月1日起必须向任何监管机构提交的所有报告、注册和声明，以及需要对其进行的任何修改，包括但不限于根据美国、任何州、任何外国实体或任何监管机构的法律、规则或法规要求提交的任何报告、注册或声明，并已支付与此相关的所有到期和应支付的费用和评估。除非没有单独或整体提交该报告、登记或声明或支付该等费用和评估，不会对母公司造成实质性的不利影响。除《母公司披露日程表》第4.5节所述以及监管机构在母公司及其子公司的正常业务过程中进行的正常审查外， (I)自2021年1月1日以来，没有监管机构启动或待决任何程序，或据母公司所知，对母公司或其任何子公司的业务或运营进行调查，(Ii)任何监管机构对与对母公司或其任何子公司的任何检查或检查有关的任何报告或声明没有悬而未决的违规、批评或例外，以及(Iii)自2021年1月1日以来，任何监管机构未就母公司或其任何子公司的业务、运营、政策或程序对母公司或其任何子公司进行正式或非正式的调查，或与其产生分歧或争议。

(B)            自2021年1月1日以来由母公司根据证券法或交易法提交或提交给美国证券交易委员会的每一份最终登记声明、招股说明书、报告、时间表和最终委托书的准确副本 已向公众公布 。截至其日期(以及注册声明和委托书，分别在生效日期和相关会议日期)的此类母报告均未包含对重大事实的任何不真实陈述，或遗漏陈述其中所需陈述或作出陈述所必需的任何重大事实，且不具误导性，但截至较后日期 (但在本协议日期之前)提交或提供的信息应被视为修改了截至较早日期的信息。自2021年1月1日起，截至相应日期，所有根据证券法和交易法提交的母公司报告在形式上均在所有实质性方面符合已公布的美国证券交易委员会相关规则和规定。截至本协议日期，Parent的高管 尚未在任何方面未能通过《萨班斯-奥克斯利法案》第302条或第906条所要求的认证。截至本协议日期，美国证券交易委员会没有就任何母公司报告提出任何未解决的意见或未解决的问题。

4.6财务报表。           

(a)            The financial statements of Parent and its Subsidiaries included (or incorporated by reference) in the Parent Reports (including the related notes, where applicable) (i) have been prepared from, and are in accordance with, the books and records of Parent and its Subsidiaries, (ii) fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders’ equity and consolidated financial position of Parent and its Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments normal in nature and amount), (iii) complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iv) have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. The books and records of Parent and its Subsidiaries have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements and reflect only actual transactions. No independent public accountant has resigned (or informed Parent that it intends to resign) or has been dismissed as independent public accountants of Parent as a result of or in connection with any disagreements with Parent on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure during the six years prior to the date hereof.

(b)            除非 不会对母公司造成单独或总体上的重大不利影响，否则母公司或其任何子公司 均不承担任何责任（无论是绝对的、应计的、或有的或其他的，也无论是到期的还是即将到期的）按照公认会计原则要求被纳入母公司的合并资产负债表 ，除母公司截至12月31日止年度的10—K表格年度报告中包含的合并资产负债表中反映或保留的负债外，2022年（包括其任何附注） ，以及自2022年12月31日以来与以往惯例一致的正常业务过程中产生的责任，或与本协议和本协议预期交易有关的责任。

4.7不存在 某些变更或事件。           

(a)            自 2022年12月31日至本协议之日，未发生任何单独或整体对母公司造成重大不利影响的事件。

(b)            除 母公司披露表第4.7（b）条所述及本协议考虑、要求或允许的事项 外，自2022年12月31日起至本协议之日，母公司及其子公司在正常过程中在所有重大方面开展了 各自的业务。

4.8法律程序。           

(a)            除 母公司披露表第4.8（a）节中披露的内容外，母公司或其任何子公司均不是 任何 的当事方，且不存在待决或据母公司所知威胁的重大法律、行政、仲裁或其他程序、 索赔，针对母公司或其任何子公司或其任何子公司的任何性质的诉讼或政府或监管调查 现任或前任董事或执行官，或质疑本协议所拟交易的有效性或适当性。

(b)            除 不会单独或总体对母公司造成重大不利影响外，没有对母公司、其任何子公司或母公司或其任何子公司的资产施加任何禁令、命令、判决、 法令或监管限制（或 在合并完成后，将适用于母公司或其任何子公司）。

4.9           Taxes and Tax Returns. Each of Parent and its Subsidiaries has duly and timely filed (taking into account all applicable extensions) all Tax Returns in all jurisdictions in which Tax Returns are required to be filed by it, and all such Tax Returns are true, correct and complete in all material respects. Neither Parent nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any Tax Return (other than extensions to file Tax Returns obtained in the ordinary course). All Taxes of Parent and its Subsidiaries (whether or not shown on any Tax Returns) that are due have been fully and timely paid. Each of Parent and its Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with amounts paid or owing to any employee, creditor, shareholder, independent contractor or other third party. Neither Parent nor any of its Subsidiaries has granted any extension or waiver of the limitation period applicable to any material Tax that remains in effect. Neither Parent nor any of its Subsidiaries has received written notice of assessment or proposed assessment in connection with any material amount of Taxes, and there are no threatened (in writing) or pending disputes, claims, audits, examinations or other proceedings regarding any material Tax of Parent and its Subsidiaries or the assets of Parent and its Subsidiaries. Neither Parent nor any of its Subsidiaries is a party to or is bound by any Tax sharing, allocation or indemnification agreement or arrangement (other than such an agreement or arrangement exclusively between or among Parent and its Subsidiaries). Neither Parent nor any of its Subsidiaries (a) has been a member of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which is or was Parent) or (b) has any liability for the Taxes of any person (other than Parent or any of its Subsidiaries) under Treasury Regulations Section 1.1502-6 (or any similar provision of state, local or foreign law), as a transferee or successor, by contract or otherwise. Neither Parent nor any of its Subsidiaries has been, within the past two (2) years, a “distributing corporation” or a “controlled corporation” (within the meaning of Section 355(a)(1)(A) of the Code) in a distribution of stock intending to qualify for tax-free treatment under Section 355 of the Code. Neither Parent nor any of its Subsidiaries has participated in a “reportable transaction” within the meaning of Treasury Regulations Section 1.6011-4(b)(1). At no time during the past five (5) years has Parent been a United States real property holding corporation within the meaning of Section 897(c)(2) of the Code.

4.10         Compliance with Applicable Law. Parent and each of its Subsidiaries hold, and have held at all times since January 1, 2021, all licenses, franchises, permits and authorizations necessary for the lawful conduct of their respective businesses and ownership of their respective properties, rights and assets under and pursuant to each (and have paid all fees and assessments due and payable in connection therewith), except where neither the cost of failure to hold nor the cost of obtaining and holding such license, franchise, permit or authorization (nor the failure to pay any fees or assessments) would, either individually or in the aggregate, have a Material Adverse Effect on Parent. No suspension or cancellation of any such necessary license, franchise, permit or authorization that is material to the business of Parent and its Subsidiaries (taken as a whole) is pending or, to the knowledge of the Parent, threatened. Parent and each of its Subsidiaries have complied in all material respects with and are not in material default or violation under any, applicable law, statute, order, rule, regulation, policy and/or guideline of any Governmental Entity relating to Parent or any of its Subsidiaries, including, without limitation, all laws related to data protection or privacy, the USA PATRIOT Act, any laws, regulations or sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department, the Bank Secrecy Act, the Equal Credit Opportunity Act and Regulation B, the Fair Housing Act, the Community Reinvestment Act, the Fair Credit Reporting Act, the Truth in Lending Act and Regulation Z, the Home Mortgage Disclosure Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act, any regulations promulgated by the Consumer Financial Protection Bureau, the Interagency Policy Statement on Retail Sales of Nondeposit Investment Products, the SAFE Mortgage Licensing Act of 2008, the Real Estate Settlement Procedures Act and Regulation X, and any other law relating to bank secrecy, discriminatory lending, financing or leasing practices, money laundering prevention, Sections 23A and 23B of the Federal Reserve Act, the Sarbanes-Oxley Act, and all agency requirements relating to the origination, sale and servicing of mortgage and consumer loans, except for violations or defaults that have not had, and would not have, either individually or in the aggregate, a Material Adverse Effect on Parent. Each of its Subsidiaries that is an insured depository institution has a Community Reinvestment Act rating of “satisfactory” or better. To the knowledge of Parent, none of Parent, or its Subsidiaries, any director, officer, employee, agent or other person acting on behalf of Parent or any of its Subsidiaries has, directly or indirectly, (a) used any funds of Parent or any of its Subsidiaries for unlawful contributions, unlawful gifts, unlawful entertainment or other expenses relating to political activity, (b) made any unlawful payment to foreign domestic governmental officials or employees or to foreign or domestic political parties or campaigns from funds of Parent or any of its Subsidiaries, (c) violated any provision that would result in the violation of the Foreign Corrupt Practices Act of 1977, as amended, or any similar law, (d) established or maintained any unlawful fund of monies or other assets of Parent or any of its Subsidiaries, (e) made any fraudulent entry on the books or records of Parent or any of its Subsidiaries, or (f) made any unlawful bribe, unlawful rebate, unlawful payoff, unlawful influence payment, unlawful kickback or other unlawful payment to any person, private or public, regardless of form, whether in money, property or services, to obtain favorable treatment in securing business to obtain special concessions for Parent or any of its Subsidiaries, to pay for favorable treatment for business secured or to pay for special concessions already obtained for Parent or any of its Subsidiaries, or is currently subject to any United States sanctions administered by the Office of Foreign Assets Control of the United States Treasury Department.

4.11         Agreements with Regulatory Agencies. Except as would not be material to the Company and its Subsidiaries, taken as a whole, neither Parent nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has been since January 1, 2021, a recipient of any supervisory letter from, or since January 1, 2021, has adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Agency or other Governmental Entity that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or not set forth in the Parent Disclosure Schedule, a “Parent Regulatory Agreement”), nor has Parent or any of its Subsidiaries been advised in writing or, to the knowledge of Parent, otherwise since January 1, 2021, by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Parent Regulatory Agreement.

4.12重组。          母公司未采取任何行动，也不知道存在任何可合理预期会阻止 或妨碍合并符合《守则》第368（a）条所指的"重组"资格的事实或情况。

4.13家长 信息。         委托书和S—4中包含的与母公司及其子公司有关的信息，以及母公司或其代表提供的与母公司及其子公司有关的 信息，以纳入提交给任何其他监管机构的任何其他文件 ，不会包含任何对重要事实的不真实陈述或遗漏 作出其中陈述所必需的重要事实，鉴于作出这些陈述的情况，不具误导性。委托书 声明（其中仅与公司或其任何子公司有关的部分除外）将在所有重要方面 遵守《交易法》及其相关规则和条例的规定。S—4（ 仅与公司或其任何子公司有关的部分除外）将在所有重大方面遵守《证券法》 及其相关规则和条例的规定。尽管有上述规定，母公司不就 根据公司或其 子公司或其 子公司提供或代表提供的信息而作出的或以引用方式纳入本公司委托书或S—4的声明作出任何声明或保证。

4.14没有 其他陈述或声明。         

(a)            除 母公司在本第四条中作出的陈述和保证外，母公司或任何其他人均未就母公司、其子公司或其各自的业务、运营、资产、负债、 条件（财务或其他方面）或前景作出任何明示 或暗示的陈述或保证，母公司特此否认任何其他此类陈述或保证。特别是， 在不限制前述免责声明的情况下，母公司或任何其他人均未就以下事项向 公司或其任何关联公司或代表作出任何陈述或保证：（i）与母公司、其任何子公司或其各自业务有关的任何财务预测、预测、估计、预算或 预期信息，或（ii）除母公司在本第四条中作出的陈述 和保证外，在对母公司进行尽职调查的过程中，向公司或其任何 关联公司或代表提供的任何口头或书面信息，本协议的谈判或 在本协议预期的交易过程中。

(b)            母公司 承认并同意，公司或代表公司的任何其他人都没有作出或正在作出，母公司 也没有依赖第三条所载的任何明示或暗示的声明或保证。

第五条

与业务进行有关的公约

5.1 生效时间之前的业务行为。           从本协议之日起至本协议生效时间或提前终止 期间，除非本协议明确规定或允许（包括公司披露附表第5.1条或第5.2条中明确规定的），法律或任何政府实体要求或另一方的书面同意（该同意不得被无理拒绝、附加条件或延迟），各方应并应促使其各子公司执行，（a）在商业上合理的努力在正常过程中在所有重大方面 与过去惯例一致地开展其各自的业务，并保持和保存其业务组织的完整性，雇员和有利的业务关系 ，以及（b）不采取任何合理预期会对获得 任何监管机构或其他政府实体的必要批准或 及时完成本协议所述交易所需的能力产生不利影响或严重延迟的行动。

5.2公司 容忍。            在自本协议之日起至生效时间或本协议提前终止期间，除 公司披露附表第5.2条中规定的情况外，本协议明确预期或允许或法律或任何政府实体要求 ，公司不得且不得允许其任何子公司，未经父母事先书面 同意（不得无理拒绝、附加条件或延迟同意）：

(a)            为借款承担 任何债务（本公司或其任何全资子公司对本公司或 其任何子公司的债务除外）、承担、担保、背书或以其他方式作为调解成为对任何其他 个人的义务负责，公司或其他实体（双方理解并同意，在正常业务过程中发生与存款负债的产生、信用证的签发，购买联邦基金、从联邦住房贷款银行借款、出售存款单以及签订回购协议不受本第5.2条的禁止；

(b)            （i）调整、拆分、合并或重新分类任何股本；       

(ii)       作出， 宣布或支付任何股息，或作出任何其他分配，或直接或间接赎回，购买或以其他方式收购，任何 其股本或任何证券或可转换债务（无论是目前可转换还是在 时间过去或某些事件发生后才可转换）为或可转换为其股本中的任何股份，（除（A）本公司任何子公司向本公司或其任何全资子公司支付的股息，（B）根据第6.9条， 公司普通股股票的定期季度现金股息每股0.11美元，以及相应股息或股息等价物 公司股权奖励或（C）接受公司普通股股份作为行使价或 与行使、归属或结算公司股权奖励有关的预扣税）；

(iii)      授予 任何股票期权、股票增值权、业绩股、限制性股票单位、限制性股票或其他基于股票的奖励 或权益，或授予任何个人、公司或其他实体任何权利以收购其任何股本；或

(iv)      发行、 或以其他方式允许发行任何额外的股本或可转换或交换为、 或可行使的任何股本股份的证券，或任何期权、认股权证或任何种类的其他权利，以获取任何股本 的任何股份，但根据公司股权奖励的条款结算除外；

(c)            出售、 转让、抵押、设押或以其他方式处置其任何重大财产或资产或任何业务给 全资子公司以外的任何人士，或取消、解除或转让任何该等人士的任何债务或对任何该等人士的任何索赔， 在每种情况下，除正常业务过程外，包括任何债务回收或止赎交易，或根据合同 或在本协议日期生效的协议；

(d)            除 正常业务过程中的交易（包括以受托人或类似身份进行止赎或获取控制权或清偿先前签订的债务）外，通过购买股票或证券、 出资、财产转让或购买本公司全资子公司以外的任何人士的任何财产或资产进行任何重大投资 ；

(e)            除非 在正常业务过程中（i）终止、实质性修改或放弃任何公司合同的任何实质性条款；对管辖其任何证券、重大租赁或合同条款的任何文书或协议作出 任何变更，但不包括正常 合同和租赁的续订，而没有与公司有关的条款发生重大不利变化，（ii）或签订任何合同 ，如果该合同在本协议之日生效，则构成公司合同；

(f)             除 任何公司福利计划条款所设想的情况外，（i）订立、采纳、实质性修改或终止任何公司福利计划或安排（如果在本协议日期生效），但在正常业务过程中 针对除公司行政人员以外的员工（a "关键员工"），（ii）增加 应付任何关键员工的补偿、遣散费或福利，但不包括在正常 业务过程中与过去惯例一致的基本工资或工资率的增加，最高可达公司披露 附表第5.2（f）节中规定的百分比，（iii）加速任何股权奖励或其他补偿的授予，（iv）资助任何拉比信托或类似 安排，（v）终止任何关键雇员的雇用或服务，但非出于原因，或（vi）雇用任何关键雇员， 但作为替代雇用，但获得实质上类似雇用条款；

(g)            除 正常业务过程中的债务解决外，解决任何重大索赔、诉讼、诉讼或程序，但仅涉及 金额单独和合计对公司或母公司或其子公司（ 如适用）不重要，且不会对其或其子公司的业务造成任何重大限制的单独和合计的金钱救济，或在合并完成后 ，母公司及其子公司；

(H)            采取任何行动或故意不采取任何行动，而该等行动或不采取行动可合理地预期会阻止或阻碍该合并符合守则第368(A)条所指的“重组”的资格；

(I)             修订《公司章程》或《公司章程》或其子公司的类似管理文件；

(J)             将自身或其任何子公司与任何其他人合并或合并，或重组、重组或完全或部分清算或解散其或任何此类子公司；

(K)            在事先未与母公司协商的情况下，通过购买、出售或其他方式，或通过投资组合的分类或报告方式，或购买任何评级低于投资级的证券，对其投资证券或衍生品组合或利率风险进行重大重组或重大改变 ，或购买任何评级低于投资级的证券，除非《公认会计原则》或适用的法律、法规、准则或任何政府实体实施的政策或政府实体要求的政策另有要求；

(L)              采取任何旨在或预期导致第7.1节或第7.2节规定的任何合并条件得不到满足的行为；

(M)            实施或采用其会计原则、做法或方法的任何重大改变，但《公认会计原则》或任何政府实体强加的适用法律、法规、准则或政策可能要求的除外；

(N)            在贷款、投资、承保、风险和资产负债管理以及其他银行和经营、证券化和服务政策(包括公司银行的信贷政策或适用于其贷款组合或其中任何部分的资本的最高比率或类似百分比的任何 变化，但在每一种情况下，适用于任何政府实体的适用法律、法规或政策所要求的除外)的任何重大新业务或任何重大方面的变化 ；

(O)            单独或承诺支付超过100,000美元或总计250,000美元的任何资本支出(已提供给母公司的公司资本预算中规定的除外)；

(P)非经与母公司磋商而作出、更改或撤销任何重大税务选择、更改年度税务会计期间、采用或 更改任何重大税务会计方法、提交任何经修订的重大税务申报表、订立任何有关税项的结算协议、 或解决任何重大税务要求、审计、评估或争议，或放弃任何要求退还税款的重大权利；

(Q)            同意 采取、承诺采取或通过其董事会或类似管理机构的任何决议，以支持本第5.2节禁止的任何行动。

(R)             在未与母公司协商的情况下，对(I)导致未经授权访问或中断或滥用信息系统或存储在信息系统上的信息的任何事件(包括但不限于与公司或其子公司的客户有关的此类信息)或(Ii)任何勒索软件事件作出任何回应、行动或客户或公共沟通；或

(S)            未与母公司协商、安排、进行或参与任何财报电话会议或分析师会议。

5.3           母公司 承诺书。从本协议之日起至本协议生效之日或更早终止之日为止的期间内，除本协议明确预期或允许或法律或任何政府实体要求的《母公司披露时间表》第5.3节规定的 外，母公司不得也不得允许其任何子公司(在下文适用的范围内)在未经公司事先书面同意的情况下 (不得无理拒绝、附加条件或拖延此类同意)：

(A)             修订母公司章程或母公司章程，其方式将对公司普通股持有人造成重大不利影响， 或对公司普通股持有人相对于母公司普通股其他持有人的不利影响；

(B)            (I)调整、拆分、合并或重新分类母公司的任何股本，或(Ii)作出、宣布或支付任何非常股息，或对任何母公司普通股作出任何其他非常分配；

(C)            将其自身或其属于《美国证券交易委员会》S-X法规第1-02条所指“重要子公司”的任何子公司与任何其他人合并，或重组、重组或完全或部分清算或解散自身 或任何此类子公司；

(D)            签订关于或完成任何合并或企业合并或任何其他人或企业的收购的协议 ，而这些协议可能会阻止、阻碍或实质性推迟合并的完成；

(E)            采取任何旨在或预期导致第7.1节或第7.3节规定的任何合并条件得不到满足的行动；

(F)             采取任何行动或故意不采取任何行动，而该等行动或不采取行动可合理地预期会阻止或阻碍该合并符合守则第368(A)条所指的“重组”的资格，则该等行动或故意不采取任何行动；或

(G)            同意 采取、承诺采取或通过其董事会或类似管理机构的任何决议，以支持本第5.3节禁止的任何行动。

第六条

其他 协议

6.1监管事项。           

(a)            母公司 和公司应立即准备S—4，母公司应向SEC提交（不迟于本协议之日 后六十（60）天），其中将包括委托书作为招股说明书。母公司和公司应尽其合理的 最大努力，在提交此类文件后，尽快根据《证券法》宣布S—4生效，并在完成本协议预期交易所需的时间内保持S—4有效，此后，公司应 尽快向股东邮寄或交付委托书。母公司还应尽其合理的最大努力 获得所有必要的州证券法或"蓝天"许可证和批准，以进行本协议中预期的交易 ，公司应提供有关公司和公司普通股持有人的所有信息， 与任何此类行动有关的合理要求。

(b)            The parties hereto shall cooperate with each other and use their reasonable best efforts to promptly prepare and file, or cause to be prepared and filed, all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals and authorizations of all third parties and Regulatory Agencies and Governmental Entities which are necessary or advisable to consummate the transactions contemplated by this Agreement (including the Merger and the Bank Merger), and to comply with the terms and conditions of all such permits, consents, approvals and authorizations of all such Regulatory Agencies and Governmental Entities. Without limiting the generality of the foregoing, as soon as practicable and in no event later than thirty (30) business days after the date of this Agreement, Parent and the Company shall, and shall cause their respective Subsidiaries to, each prepare and file any applications, notices and filings required to be filed with any bank regulatory agency in order to obtain the Requisite Regulatory Approvals. Parent and the Company shall each use, and shall each cause their applicable Subsidiaries to use, reasonable best efforts to obtain each such Requisite Regulatory Approval as promptly as reasonably practicable. Parent and the Company shall have the right to review in advance, and, to the extent practicable, each will consult the other on, in each case subject to applicable laws relating to the exchange of information, all the information relating to the Company or Parent, as the case may be, and any of their respective Subsidiaries, which appears in any filing made with, or written materials submitted to, any third party or any Governmental Entity in connection with the transactions contemplated by this Agreement. In exercising the foregoing right, each of the parties hereto shall act reasonably and as promptly as practicable. The parties hereto agree that they will consult with each other with respect to the obtaining of all permits, consents, approvals and authorizations of all third parties and Governmental Entities necessary or advisable to consummate the transactions contemplated by this Agreement and each party will keep the other apprised of the status of matters relating to completion of the transactions contemplated hereby. Each party shall consult with the other in advance of any meeting or conference with any Governmental Entity in connection with the transactions contemplated by this Agreement and to the extent permitted by such Governmental Entity, give the other party and/or its counsel the opportunity to attend and participate in such meetings and conferences and provided that each party shall promptly advise the other party with respect to substantive matters that are addressed in any meeting or conference with any Governmental Entity which the other party does not attend or participate in, to the extent permitted by such Governmental Entity and applicable law.

(c)             为促进（但不限于）上述规定，母公司和公司应尽其合理的最大努力解决任何政府实体可能就本协议或本协议预期交易提出的任何异议。尽管 有上述规定，本协议中的任何内容均不应被视为要求母公司或公司采取任何行动，或承诺采取任何行动，或同意任何合理预期会在合并生效后对母公司 及其子公司整体造成重大不利影响的条件或限制（以相对于公司及其子公司的规模衡量， 作为一个整体）（“重大负担监管条件”）。

(d)            母公司 和公司应应根据要求，向对方提供有关其自身、其子公司、董事、管理人员 和股东的所有信息，以及与委托书、S—4和 母公司或其代表母公司作出的任何其他声明、备案、通知或申请有关的合理必要或适当的其他事项，本公司或其任何子公司 就与合并、银行合并和本协议预期的其他交易有关的任何政府实体。

(E)            至 在适用法律允许的范围内，母公司和公司应在收到 任何政府实体的任何通信后，立即通知对方完成本协议拟进行的交易需要征得同意或批准，而该通信 导致该方相信有合理的可能性无法获得任何必要的监管批准，或者 任何此类批准的接收将被实质性延迟。如本协议中所用，“必要的监管批准” 应指来自(I)联邦储备委员会、货币监理署和田纳西州金融机构部门的所有监管授权、同意、命令或批准(以及与此相关的所有法定等待期的到期或终止)(Ii)第3.4和4.4节规定的完成本协议预期交易所必需的任何其他批准，包括合并和银行合并，或其他授权、同意、若未能取得订单或批准，理应预期在合并生效后，母公司及其附属公司整体或个别将受到重大不利影响。

6.2.通过          访问信息。

(A)            在发出合理通知后，在符合适用法律的情况下，为了核实公司的陈述和担保，并为合并和本协议所设想的其他事项做准备，公司应并应促使其各子公司允许母公司的高级管理人员、员工、会计师、律师、顾问和其他代表在生效时间之前的正常营业时间内访问其所有财产、账簿、合同、承诺、人员、信息、技术系统和记录。每一方应与另一方合作，准备在有效时间转换或系统和业务运营整合后执行，在此期间，公司应向母公司提供(I)根据联邦证券法或联邦或州银行法的要求(公司根据适用法律不得披露的报告或文件除外)提交或收到的每一份报告、时间表、登记声明、评论信函和其他文件的副本。以及(Ii)母公司合理要求的有关其业务、财产和人员的所有其他信息。如果访问或披露信息将违反或损害公司客户的权利，危及拥有或控制此类信息的机构的律师-客户特权(在充分考虑双方之间存在任何共同利益、共同辩护或类似协议后)，或违反在本协议日期之前签订的任何法律、法规、命令、判决、法令、受托责任或具有约束力的协议，则公司及其各自子公司不应被要求 提供对信息的访问或披露。在适用前一句话限制的情况下，本协议各方将作出适当的替代披露安排。

(B)            母公司和本公司的每一位 应按照母公司与公司于2023年9月22日签订的保密协议(“保密协议”)的规定，保密地持有另一方或其任何子公司或代表根据第6.2(A)节提供的所有信息。

(C)            任何一方或其各自代表的调查不应影响或被视为修改或放弃本协议另一方的陈述和保证。本协议中包含的任何内容均不得直接或间接赋予任何一方在生效时间之前控制或指导另一方运营的权利。在生效时间之前，各方应根据本协议的条款和条件，对其及其子公司各自的运营进行 完全控制和监督。

6.3.公司股东的           批准 。本公司应在合理可行范围内尽快召开、发出通知、设立记录日期、召开及举行股东大会(“公司大会”)，但在任何情况下不得迟于S-4被宣布为有效后六十(60)天，以便获得与本协议及合并有关的所需公司投票权，如有此意愿且双方同意，则就通常提交股东周年大会或特别大会以批准合并协议的其他事项 进行讨论。公司应尽其合理的最大努力从股东那里获得必要的公司投票权，包括向股东传达董事会的建议(并将该建议包括在委托书中)，以批准本协议和拟进行的交易，并征求公司 股东支持公司合并的委托书。但是，在符合第8.1节和8.2节的规定下，如果公司董事会因收到公司董事会认为诚信构成上级建议的收购建议而真诚地确定很可能导致违反其根据适用法律继续推荐本协议的受托责任，则在提交本协议时，公司董事会可以(但不需要)将本协议提交给其股东而无需推荐(尽管截至本协议日期批准本协议的决议 不得被撤销或修改)，在这种情况下，公司董事会可以在委托书中向其股东传达其缺乏推荐的依据，或在法律要求的范围内对其进行适当的修改或补充；但公司董事会不得采取本句下的任何行动，除非(I)公司至少提前十(10)个工作日向母公司发出书面通知，说明其采取该行动的意图，并对导致其决定采取该行动的事件或情况进行合理描述(包括，如果该行动是针对收购提议而采取的，则包括： 任何此类收购提议或其任何修订或修改的最新实质性条款和条件，以及第三方的身份；或合理详细地描述该等其他事件或情况)及(Ii)在该通知期结束时，本公司董事会会考虑母公司在接获其外部法律顾问的意见后对本协议提出的任何修订或修改，并在财务事宜方面，其财务顾问真诚地决定继续推荐本协议仍有可能导致 违反其根据适用法律承担的受托责任。“高级建议”是指 公司董事会从财务角度善意地得出结论，认为从财务角度而言对股东而言比拟进行的合并和交易更有利的真正书面收购建议：(1)在收到财务顾问的建议后，(2)在考虑到拟进行的交易按其中规定的条款(与本协议的条款相比，并适当考虑)完成的可能性后，以及(3)在考虑了所有法律因素(包括外部律师的建议)后，财务(包括任何此类提案的融资条款)、监管(包括外部律师关于监管批准任何此类提案的可能性的建议)和此类提案的其他方面以及适用法律允许的任何其他相关 因素；但就“高级建议书”的定义而言，收购建议书定义中提及的 至25%(25%)应视为提及51%(51%)或更多。就本第6.3节而言，对任何收购建议的任何重大修订将被视为新的收购建议，并将需要如本第6.3节所指的新的通知期。本公司须将本公司会议延期或延期举行，如截至会议原定召开时间，(亲身或受委代表)所代表的公司普通股股份不足以构成进行该会议业务所需的法定人数，或如于该会议日期，本公司尚未收到代表足够数目股份以取得所需公司投票权的委托书。尽管 本协议有任何相反规定，除非本协议已根据其条款终止，否则公司会议应召开，本协议应在公司股东大会上提交给公司股东，以表决批准该提议和本协议预期的其他事项，本协议中的任何内容均不得被视为解除 公司的该等义务。

6.4合并的法律条件。           根据本协议第6.1条的所有方面，母公司和公司应， 并应促使其子公司，尽其合理的最大努力（a）采取或促使采取所有必要的行动， 适当或明智地及时遵守可能对该方或其子公司施加的所有法律和法规要求 在符合第七条规定的条件的情况下，完成本协议所设想的交易，以及（b）获得（并与另一方合作以获得）任何实质性同意、授权、命令或批准，或任何豁免，公司或母公司或其任何子公司就并购、银行并购和本协议预期的其他交易 而要求获得的任何政府实体和任何其他第三方。

6.5股票 交易所上市。           母公司应促使在合并中发行的母公司普通股股份在生效时间之前获得批准，以在 纳斯达克证券交易所上市，但须收到正式发行通知。

6.6员工 事项。           

(a)            Unless otherwise agreed by Parent and Company, Parent shall make available to each officer or employee of the Company or any Company Subsidiary who continues as an officer or employee of Parent or any Parent Subsidiary after the Effective Time (collectively, “Continuing Employees”) for at least one year following the Effective Time (i) a base salary or base wage rate, as applicable, that is no less favorable than the base salary or base wage rate, as applicable, provided by the Company or its Subsidiaries to such Continuing Employee immediately prior to the Effective Time; and (ii) short-term and long-term incentive compensation target opportunities and other compensation and employee benefits that, in each case, are no less favorable than is provided by Parent to similarly situated officers and employees. Without limiting the generality of the foregoing, to the extent that Parent determines, in its sole discretion, that the Company Benefit Plans should be terminated, Continuing Employees eligible for participation in such terminated Company Benefit Plans shall become eligible to participate in the corresponding Parent employee benefit plans as soon as reasonably practicable after such termination. Without limiting any other provision of this Section 6.6(a), Parent shall, or shall cause one of its Subsidiaries to, provide to each Continuing Employee whose employment terminates during the one (1)-year period following the Closing Date with severance benefits pursuant to Parent’s existing severance pay plan that are no less favorable than those offered to similarly situated employees of Parent.

(b)            除非 母公司和公司另有协议，否则在生效时间或之前，公司和公司子公司应在 生效时间的前提下，并在适用计划条款允许的范围内，终止所有奖励和/或奖金计划下的任何持续绩效期 ，并根据以下两者中的较大者支付截止日的应计权益：（i）目标 机会及（ii）按比例表现指标的实际表现。

(c)            With respect to any employee benefit plans of Parent or its Subsidiaries in which any Continuing Employees become eligible to participate on or after the Effective Time (the “New Plans”), Parent shall: (i) use commercially reasonable efforts to waive all pre-existing conditions, exclusions and waiting periods with respect to participation and coverage requirements applicable to such employees and their eligible dependents under any New Plans, except to the extent such pre-existing conditions, exclusions or waiting periods would apply under the analogous Company Benefit Plan; (ii) provide each such employee and their eligible dependents with credit for any eligible expenses incurred by such employee or dependent prior to the Effective Time under a Company Benefit Plan (to the same extent that such credit was given under the analogous Company Benefit Plan prior to the Effective Time) in satisfying any applicable deductible, co-payment or out-of-pocket requirements under any New Plans that provide health care benefits; and (iii) recognize all service of such employees with the Company and its Subsidiaries for all purposes in any New Plan to the same extent that such service was taken into account under the analogous Company Benefit Plan prior to the Effective Time; provided that the foregoing service recognition shall not apply to the extent it would result in duplication of benefits for the same period of services.

(d)            If requested by Parent in writing at least twenty (20) business days prior to the Effective Time, the Company shall cause any 401(k) plan sponsored or maintained by the Company or any of its Subsidiaries (a “Company 401(k) Plan”) to be terminated effective as of the day immediately prior to the Effective Time and contingent upon the occurrence of the Closing. If Parent requests that any Company 401(k) Plan be terminated, (i) Company shall provide Parent with evidence that such plan has been terminated not later than two (2) business days immediately preceding the Effective Time, and (ii) the Continuing Employees shall be eligible to participate, effective as of the Effective Time, in a 401(k) plan sponsored or maintained by Parent or one of its Subsidiaries (a “Parent 401(k) Plan”). The Company and Parent shall take any and all actions as may be required to permit the Continuing Employees who are then actively employed to make rollover contributions to the Parent 401(k) Plan of “eligible rollover distributions” (with the meaning of Section 401(a)(31) of the Code) in the form of cash, notes (in the case of loans) or a combination thereof. Prior to the Effective Time, the Company or its Subsidiaries may make an employer contribution (at a level determined in the ordinary course of business consistent with past practice) to any Company 401(k) Plan for the year in which the Effective Time occurs or any prior year.

(e)            Nothing in this Agreement shall confer upon any employee, director or consultant of the Company or any of its Subsidiaries or affiliates any right to continue in the employ or service of Parent, the Company, or any Subsidiary or affiliate thereof, or shall interfere with or restrict in any way the rights of the Company, Parent or any Subsidiary or affiliate thereof to discharge or terminate the services of any employee, director or consultant of the Company or any of its Subsidiaries or affiliates at any time for any reason whatsoever, with or without cause. Nothing in this Agreement shall be deemed to (i) establish, amend, or modify any Company Benefit Plan, New Plan or any other benefit or employment plan, program, agreement or arrangement, or (ii) alter or limit the ability of Parent or any of its Subsidiaries or affiliates to amend, modify or terminate any particular Company Benefit Plan, New Plan or any other benefit or employment plan, program, agreement or arrangement after the Effective Time. Without limiting the generality of Section 9.11, nothing in this Agreement, express or implied, is intended to or shall confer upon any person, including, without limitation, any current or former employee, director or consultant of the Company or any of its Subsidiaries or affiliates, any right, benefit or remedy of any nature whatsoever under or by reason of this Agreement.

6.7赔偿； 董事和高级管理人员保险。           

(a)            From and after the Effective Time, Parent shall indemnify and hold harmless, to the fullest extent permitted by applicable law, each present and former director and officer of the Company and its Subsidiaries (in each case, when acting in such capacity) (collectively, the “Company Indemnified Parties”) against any costs or expenses (including reasonable attorneys’ fees), judgments, fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the Effective Time, arising in whole or in part out of, or pertaining to, the fact that such person is or was a director or officer of the Company or any of its Subsidiaries or is or was serving at the request of the Company or any of its Subsidiaries as a director or officer of another person and pertaining to matters, acts or omissions existing or occurring at or prior to the Effective Time, including matters, acts or omissions occurring in connection with the approval of this Agreement and the transactions contemplated by this Agreement; and Parent shall also advance expenses as incurred by such Company Indemnified Party to the fullest extent permitted by applicable law; provided that the Company Indemnified Party to whom expenses are advanced provides an undertaking to repay such advances if it is ultimately determined that such Company Indemnified Party is not entitled to indemnification. Parent shall reasonably cooperate with the Company Indemnified Party, and the Company Indemnified Party shall reasonably cooperate with Parent, in the defense of any such claim, action, suit, proceeding or investigation.

(b)            For a period of six (6) years after the Effective Time, Parent shall maintain in effect the current policies of directors’ and officers’ liability insurance maintained by the Company (provided that Parent may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing terms and conditions which are no less advantageous to the insured) with respect to claims against the present and former officers and directors of the Company or any of its Subsidiaries arising from facts or events which occurred at or before the Effective Time (including the transactions contemplated by this Agreement); provided that Parent shall not be obligated to expend, on an annual basis, an amount in excess of 300% of the current annual premium paid as of the date hereof by the Company for such insurance (the “Premium Cap”), and if such premiums for such insurance would at any time exceed the Premium Cap, then Parent shall cause to be maintained policies of insurance which provide the maximum coverage available at an annual premium equal to the Premium Cap. In lieu of the foregoing, the Company may, in consultation with Parent, obtain at or prior to the Effective Time a six-year “tail” policy under the Company’s existing directors and officers insurance policy providing equivalent coverage to that described in the preceding sentence if and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed the Premium Cap. If Parent or the Company purchases such a “tail policy,” Parent shall maintain such “tail policy” in full force and effect and continue to honor its obligations thereunder.

(c)            在生效时间之后， 母公司和公司在本第6.7条项下的 义务不得终止或修改， 方式不得对任何公司赔偿方或任何其他有权享受本第6.7条利益的人造成不利影响。

(d)            本第6.7条的 条款应在生效时间后继续有效，旨在为各公司赔偿方及其继承人和代表的利益，并由其执行 。如果母公司或其任何继承人或受让人将 与任何其他实体合并或合并，且不是此类合并或合并的持续或存续实体，则将其全部或实质上 全部资产或存款转让给任何其他实体，或进行任何类似交易，则在每种情况下，在本第6.7条中规定的义务 未由此类继承人和受让人通过法律的实施 或其他方式转移和承担的范围内，母公司将作出适当规定，以便母公司的继承人和受让人明确承担本第6.7条规定的义务 。

6.8附加 协议。           如果在生效时间之后的任何时间，为实现 本协议的目的，任何进一步的行动是必要的或可取的（包括母公司的子公司与本公司的子公司之间的任何合并） 或授予母公司或存续公司所有财产、资产、权利、批准的全部所有权，合并任何一方的豁免权和特许权 ，本协议各方的适当管理人员和董事及其各自子公司 应采取母公司可能合理要求的所有必要行动。

6.9分。            本协议签订日期后，公司应与母公司协调宣布公司普通股的股息，以及与之相关的记录日期和支付日期，本协议双方的意图是，公司普通股持有人不得收到两次股息，或未能收到一次股息，在任何季度，任何此类持有人在合并中获得的公司普通股股份和母公司普通股股份。

6.10建议 变更。         母公司和公司（以这种身份，"通知方"）应立即通知另一方 方任何变更、情况、条件、发生、发展，或（i）已经或合理可能对通知方产生重大不利影响的事件，或（ii）通知方认为将或合理可能产生重大不利影响的事件 导致或构成对通知方在本协议中所载的任何声明、保证或承诺的重大违反，且合理预期会导致（无论是单独或总体）中规定的条件失效， 如果母公司是通知方，第7.1条或第7.3条，或者如果公司是通知方，第7.1条或第7.2条；如果没有按照上述规定就任何 违反不应被视为构成违反第6.10条或第7.2条或第7.3条规定的任何条件未能被视为构成违反，满足，或以其他方式构成未发出此类 通知的一方违反本协议，在每种情况下，除非潜在违约行为将独立导致第7.2条或第7.3条中规定的条件未能得到满足。

6.11采购 建议。        

(a)            The Company agrees that it will not, and will cause its Subsidiaries and use its reasonable best efforts to cause its and their officers, directors, agents, advisors and representatives (collectively, “Representatives”) not to, directly or indirectly, (i) initiate, solicit, knowingly encourage or knowingly facilitate inquiries or proposals with respect to any Acquisition Proposal, (ii) engage or participate in any negotiations with any person concerning any Acquisition Proposal, or (iii) provide any confidential or nonpublic information or data to, or have or participate in any discussions with, any person relating to any Acquisition Proposal, except to notify a person that has made or, to the knowledge of the Company, is making any inquiries with respect to, or is considering making, an Acquisition Proposal, of the existence of the provisions of this Section 6.11(a); provided that, prior to the approval of this Agreement by the shareholders of the Company by the Requisite Company Vote, in the event the Company receives an Acquisition Proposal that was not the result of a willful or material breach of this Section 6.11(a), it may, and may permit its Subsidiaries and its and its Subsidiaries’ Representatives to, furnish or cause to be furnished nonpublic information or data and participate in such negotiations or discussions if its Board of Directors concludes in good faith (after receiving the advice of its outside counsel, and with respect to financial matters, its financial advisor) that failure to take such actions would be more likely than not to result in a violation of its fiduciary duties under applicable law; provided, further, that, prior to providing any nonpublic information permitted to be provided pursuant to the foregoing proviso, the Company shall have entered into a confidentiality agreement with such third party on terms no less favorable to it than the Confidentiality Agreement (an “Acceptable Confidentiality Agreement”), which confidentiality agreement shall not provide such person with any exclusive right to negotiate with the Company. The Company will, and will use its reasonable best efforts to cause its Representatives to, immediately cease and cause to be terminated any activities, discussions or negotiations conducted before the date of this Agreement with any person other than Parent with respect to any Acquisition Proposal. The Company shall provide three (3) Business Days written notice to Parent prior to entering into any Acceptable Confidentiality Agreement. The Company will promptly advise Parent following receipt of any Acquisition Proposal or any inquiry which could reasonably be expected to lead to an Acquisition Proposal (including the material terms and conditions of, and the identity of the person making, such inquiry or Acquisition Proposal), and will keep Parent reasonably apprised of any related developments, discussions and negotiations, including any amendments to or revisions of the material terms of such inquiry or Acquisition Proposal. The Company shall withdraw and terminate access that was granted to any person (other than the parties to this Agreement and their respective affiliates and Representatives) to any “data room” (virtual or physical) that was established in connection with an Acquisition Proposal.

(b)             公司不得，公司董事会或其任何委员会均不得促使或允许公司签署 与向公司提出的任何收购建议有关的任何意向书、谅解备忘录、原则性协议、收购协议、合并协议或其他协议 （可接受的保密协议除外）。

(c)            如本协议所用， "收购提议"应指（本协议所设想的交易除外） 与以下事项有关的任何要约、提议或查询，或任何第三方表示的兴趣：（i）任何直接 或间接的收购或购买，本公司及其子公司合并资产的25%或以上，或本公司或其子公司任何类别的股权或有表决权的 证券的25%或以上，其资产，单独或合计构成公司合并 资产的25%或以上，（ii）任何要约收购（包括自我投标要约）或交换要约，如果完成，将导致该第三方实益拥有公司或其子公司任何类别股权或表决权证券的25%或以上，其 资产，单独或合计，构成本公司合并资产的25%或以上，或（iii）涉及本公司或其子公司的合并、合并、 股票交换、业务合并、重组、资本重组、清算、解散或其他类似交易，其资产单独或合计构成本公司合并资产的25%或以上。

(d)            本协议中的任何 均不妨碍公司或其董事会遵守 《交易法》下的第14d—9和14e—2条或条例M—A第1012（a）项有关收购建议的规定，或向公司股东作出任何法律要求的披露 ；但该等规则不得以任何方式消除或修改根据该等规则采取的任何行动 在本协议下本来会产生的效力。

6.12         公开声明 。母公司和公司同意，关于本协议的签署和交付的初始新闻稿 应为双方共同同意的新闻稿。此后，双方均同意，未经另一方事先书面同意，任何一方不得发布关于本协议或拟进行的交易的任何公开发布或公告或声明(同意不得被无理拒绝、附加条件或推迟)，但以下情况除外：(I)适用法律或相关各方受其约束的任何适用政府实体或证券交易所的规则或规定所要求的，在这种情况下，被要求作出发布或公告的一方应与另一方协商，并允许另一方有合理时间发表评论，此类发布之前发布的此类新闻稿或公告，或(Ii)此类新闻稿、公告或与本协议日期后发布的其他此类新闻稿、公告或声明相一致的声明，符合第6.12节的规定 。

6.13         更改方法 。经双方同意，母公司和公司有权在生效时间之前的任何时间改变实现公司和母公司合并的方法或结构(包括第一条的规定)，如果 并且双方都认为这种改变是必要的、适当的或可取的；但该等变动不得(A)改变 或改变交换比率，(B)对本公司股东或母公司股东根据本协议的税务处理造成不利影响，(C)对本公司或母公司根据本协议的税务处理产生不利影响，或(D)对本协议预期的交易及时完成造成重大阻碍或延迟。双方同意在双方根据第9.2条签署的本协议的适当修正案中反映任何此类变更。

6.14        收购 法规。本公司及其董事会均不得采取任何可能导致任何收购法规适用于本协议、合并或本协议拟进行的任何其他交易的行动，双方应采取一切必要步骤豁免(或确保继续豁免)本协议、合并或本协议拟进行的其他交易现在或今后有效的任何适用的收购法规。如果任何收购法规可能成为或可能声称适用于本协议拟进行的交易， 公司及其董事会成员将批准并采取必要的行动，以使本协议拟进行的交易 可在实际可行的情况下按照本协议拟进行的条款尽快完成，并以其他方式采取行动消除或最大限度地减少任何收购法规对本协议拟进行的任何交易的影响，包括在必要时质疑任何此类收购法规的有效性或适用性。

6.15         免除第16(B)条规定的责任。本公司及母公司同意，为最有效地补偿及留住符合交易所法案第16(A)条报告要求的本公司高级职员及董事(“本公司内部人士”)，在生效时间之前及之后，本公司内部人士宜在适用法律所允许的最大范围内不承担交易所法案第16(B)条下与合并中公司普通股及公司股权奖励的股份转换有关的责任风险。出于补偿和保留的目的，同意本第6.15节的规定。母公司和公司董事会或其非雇员董事委员会(该术语是为《交易法》第16b-3(D)条的目的而定义的)应在生效时间前采取所需的所有步骤，以促使(在本公司的情况下)公司内部人处置公司普通股或公司股权奖励 ，以及(在母公司的情况下)任何公司内部人在合并后立即 收购母公司普通股，将是母公司的高级管理人员或董事，符合交易所法案第16(A)节的报告要求，在适用法律允许的最大范围内，根据本协议拟进行的交易，在适用法律允许的最大范围内，免除根据交易所法案规则16b-3的责任。

6.16股东诉讼。         母公司和本公司应及时书面通知另一方任何政府实体或仲裁员发出、开始、提起、进行或听取或以其他方式涉及其的任何诉讼、仲裁、审计、听证、 调查、诉讼、诉讼、传票或传票，或据母公司或本公司（如适用）所知， 公司或其各自的任何子公司（a）质疑或合理预期质疑本协议或本协议或由此预期的其他协议的有效性 ，或母公司、公司、 或其各自的子公司就本协议或本协议所采取或将要采取的任何行动，或（b）寻求禁止或以其他方式限制在此或由此预期的交易。公司应让母公司有机会自费参与辩护或解决任何 股东针对公司和/或其董事或关联公司的诉讼， 未经母公司事先书面同意（不得无理拒绝、附加条件 或延迟），不得就此类解决达成协议。

6.17承担公司债务。         母公司同意或代表母公司或母公司银行执行和交付，或促使执行和交付（视情况而定），在生效时间或之前，一份或多份补充契约、担保和其他工具 ，以适当承担公司有关其未偿债务、担保、证券的义务，以及其他 协议，但在此类债务、担保、证券和其他协议的条款所要求的范围内。为促进上述规定， 在交易结束时，母公司应通过一份或多份补充契约，承担该契约，日期为2020年6月29日，由 公司和UMB银行，全国协会，作为受托人。

6.18传输 代理证书。         公司应尽其合理的最大努力，向母公司提供一份由公司的 转让代理人出具的常规证书，证明截至截止日期前三（3）个工作 日，公司普通股已发行股份的数量。

6.19某些 贷款         在作出、更新或以其他方式修改任何以下类型的贷款之前，公司应通知母公司：（A）向任何个人或实体提供的贷款 ，如果在作出该贷款后，该贷款的风险评级为"7"级或更差（ 包括所有"批评"和"分类"贷款），金额为2，500，000美元或以上，以及（B）贷款 ，如果在作出此类贷款后立即向任何个人或实体，此类个人或实体将直接欠公司或任何 公司子公司（不包括参与出售）的债务总额为10，000，000美元或以上。

6.20 280G 事项。         母公司和公司应本着诚意共同努力，在适用的范围内，解决因《法典》第280G条引起的任何潜在税收问题。

第七条

条件 先例

7.1各方实现合并的义务的条件 。           双方实现合并的各自义务应 在生效时间或生效时间之前满足以下条件：

(a)            股东 批准。本协议应由公司股东以所需的公司投票方式批准。

(b)            股票 交易所上市。根据本协议可发行的母普通股股份应已被允许在纳斯达克证券交易所上市，但须遵守正式发行通知。

(c)            监管 批准。所有必要的监管批准均应已获得，并应保持完全有效，相关的所有法定 等待期应已到期，且此类必要的监管批准不得导致实施 任何重大负担监管条件。

(d)            S—4 S—4应已根据《证券法》生效， 不得发布暂停S—4效力的停止令，SEC不得为此目的启动或威胁提起任何诉讼，而不得撤回。

(e)            无 禁止或限制；非法。任何法院或有管辖权的机构发布的命令、禁令或法令，或 其他法律约束或禁令，阻止完成合并或本 协议中预期的任何其他交易，均不生效。任何政府实体均不得颁布、签署、颁布 或执行禁止或非法完成本合并或本协议拟进行的其他交易的任何法令、规则、条例、命令、禁令或法令。

7.2父母义务的条件。           母公司实现合并的义务还取决于母公司在生效时间或生效时间之前满足或放弃以下条件：

(a)            表示 和附件。第3.2（a）条和第3.8（a）条中规定的公司陈述和保证（ 每种情况下在第三条的导入生效后）应真实和正确（但第3.2（a）条中的不真实和正确除外 极小的) in each case as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date and the representations and warranties of the Company set forth in Sections 3.1, 3.2(b), 3.2(c), 3.3(a) and 3.7 (in each case read without giving effect to any qualification as to materiality or Material Adverse Effect on the Company set forth in such representations or warranties) shall be true and correct in all material respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date. All other representations and warranties of the Company set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect on the Company set forth in such representations or warranties) shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; provided that, for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties, has had or would reasonably be expected to have a Material Adverse Effect on the Company. Parent shall have received a certificate signed on behalf of the Company by the Chief Executive Officer and the Chief Financial Officer of the Company to the foregoing effect.

(b)            履行 公司义务。公司应在所有重大方面履行本协议要求其履行的义务 ，且母公司应收到公司首席执行官和首席财务官代表公司签署的证明。

(c)            联邦 税务意见。母公司应已收到Dykema Gossett PLLC的书面意见，其形式和内容均令 母公司合理满意，日期为截止日期，其大意是，基于该意见中陈述或引用的事实、陈述和假设，合并应符合 法典第368（a）条含义内的"重组"。在提出此类意见时，律师可以要求并依赖母公司和 公司管理人员的证明中所载的陈述，这些陈述在形式和内容上均令律师合理满意。

(d)            材料 不良影响。自本协议签订之日起，不应发生对公司的重大不利影响， 且母公司应收到日期为截止日期并由 公司总裁兼首席执行官签署的证明。

(e)            Minimum Adjusted Tangible Shareholder’s Equity Value. The Adjusted Tangible Shareholder’s Equity of the Company shall be greater than or equal to the Minimum Adjusted Tangible Shareholder’s Equity Value. Five business days prior to the Closing Date, Parent shall have received a certificate, accompanied by appropriate supporting detail, signed by the President and Chief Executive Officer of the Company, to that effect. “Adjusted Tangible Shareholder’s Equity” shall mean, as of the month end prior to five business days before the Closing Date (the “Measuring Date”), the consolidated shareholders’ equity of the Company as set forth on its balance sheet on the Measuring Date calculated in accordance with GAAP, (i) minus all intangible assets as of the Measuring Date, and (ii) excluding the change in accumulated other comprehensive income / (loss), net of Tax, since September 30, 2023, and (iii) adding the sum, net of associated Tax, as of the Measuring Date of (v) all fees and expenses of all attorneys, accountants, investment bankers and other advisors and agents for the Company for services rendered in connection with the transactions contemplated by this Agreement paid by the Company prior to the Effective Time; (w) attorneys’ fees arising from any actions, claims, suits or hearings brought by the Company’s shareholders with respect to this Agreement or the transactions contemplated hereby; (x) any costs associated with the termination of employee benefit plans or programs (inclusive of any severance compensation paid or to be paid as provided herein) or any retention or transaction bonuses paid as expressly permitted by this Agreement or as otherwise mutually agreed by the parties following the date hereof, (y) any regulatory filing fees or costs, fees and penalties incurred in connection with obtaining any third party consents in connection with the transactions contemplated by this Agreement, and (z) any other commercially reasonable costs incurred in connection with transactions contemplated by this Agreement. “Minimum Tangible Adjusted Shareholder’s Equity Value” shall mean $282,000,000.

7.3公司义务的条件。           公司实现合并的义务还取决于 公司在生效时间或之前满足或放弃以下条件：

(a)            表示 和附件。第4.2（a）条和第4.7（a）条中规定的母公司的陈述和保证应是真实和正确的（在第4.2（a）条中， 极小的)in each case as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date and the representations and warranties of Parent set forth in Sections 4.1, 4.2(b), 4.2(c), and 4.3(a) (in each case read without giving effect to any qualification as to materiality or Material Adverse Effect on the Parent set forth in such representations or warranties) shall be true and correct in all material respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date. All other representations and warranties of Parent set forth in this Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect on Parent set forth in such representations or warranties) shall be true and correct in all respects as of the date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date, provided that, for purposes of this sentence, such representations and warranties shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, and without giving effect to any qualification as to materiality or Material Adverse Effect on Parent set forth in such representations or warranties, has had or would reasonably be expected to have a Material Adverse Effect on Parent. The Company shall have received a certificate signed on behalf of Parent by the Chief Executive Officer and the Chief Financial Officer of Parent to the foregoing effect.

(b)            履行 父母的义务。母公司应在完成日期或之前在所有重大方面履行 本协议要求其履行的义务，并且公司应收到母公司首席执行官和首席财务官代表母公司签署的证明。

(c)            材料 不良影响。自本协议之日起，不应发生对母公司的重大不利影响，且 公司应收到一份日期为截止日期并由母公司首席执行官和首席财务官 签署的证明。

(d)            联邦 税务意见。公司应已收到Wachtell、Lipton、Rosen & Katz的书面意见，其形式和内容均为公司合理满意，日期为截止日期，内容为，根据该意见中陈述或提及的事实、陈述和 假设，合并应符合 守则第368（a）条含义内的"重组"。在提出此类意见时，律师可以要求并依赖母公司和公司管理人员的证明中所载的陈述，这些陈述在形式和内容上均令律师合理满意。

第八条

更正 和修正案

8.1终止。            本协议可在生效时间之前的任何时间终止，无论是在本协议获得公司股东批准之前还是之后 ：

(a)             经 母公司和公司在书面文件中相互同意；

(b)            如果任何必须给予监管批准的政府实体拒绝批准合并 或银行合并，且此类拒绝已成为最终且不可上诉，或任何具有管辖权的政府实体应 发布最终不可上诉的法律或命令，永久禁止或以其他方式禁止或使完成合并 或银行合并为非法，除非由于寻求终止本协议的一方 未能履行或遵守本协议规定的该方的契约和协议，否则未能获得监管批准；

(c)             如果合并未在本协议之日（“终止日期”）起十二（12）个月或之前完成，则由 母公司或公司进行，除非未能在该日期之前完成交易是由于寻求终止本协议的 一方未能履行或遵守本协议所载的该方的契约和协议所致；

(d)            如果在正式召开的公司会议上或在其任何延期或延期会议上未能获得所需的公司投票，则由 或公司进行表决；

(e)             由 母公司或公司（前提是终止方当时没有严重违反本文所载的任何陈述、保证、 契约或其他协议），如果已经违反了任何契约或协议或任何陈述 或保证，（或任何此类陈述或保证将不再是真实的）本协议中的一部分， 在由父母或父母终止的情况下，如果是公司终止的，该违约或不真实， 单独或与该方的所有其他违约一起，（或此类陈述或保证不真实），如果在截止日期发生或持续， 将构成第7.2条规定的条件的失败， 如果是母公司终止的，如果是公司终止的，则根据第7.3条，如果是公司终止的，并且 如果是母公司终止的， 如果是公司终止的， 如果是公司终止的，或因其性质或时间原因无法在该期间内（或 终止日期前剩余的更少天数）得到补救；或

(f)             如果（i）公司董事会（A）未能在委托书中建议公司股东批准本协议，或以不利于母公司的方式撤回、修改或保留 此类建议，或公开披露其打算这样做，或未能建议不接受 构成收购建议的投标要约或交换要约，且在该等投标或交换要约开始后十（10）个工作 日内公开披露，在任何此类情况下，无论本协议条款是否允许，或（B）建议或认可收购建议书或公开披露其意图，或未能在公开宣布收购建议后十（10）个工作日内发布新闻稿宣布其无保留 反对该收购建议，或（ii） 公司或其董事会故意且实质性违反其在第6.3条或第6.11条下的义务。

8.2终止的效力             

(a)            如果 母公司或公司根据第8.1条的规定终止本协议，本协议 应立即无效且无效，母公司、公司、其各自的子公司或其任何高级管理人员 或董事均不应承担本协议项下或与本协议中预期的交易有关的任何性质的任何责任，除此之外：

(i)            第6.2（b）条和 本第8.2条和第九条在本协议终止后仍应继续有效，并且

(ii)            尽管 本协议中有任何相反的规定，母公司和公司均不得免除或免除因其实际和故意欺诈或故意和重大违反本协议条款而产生的任何责任 或损害 （就公司而言，应包括公司普通股和公司股权奖励持有人因合并的经济利益而遭受的损失，包括向公司普通股和公司股权奖励持有人提供的溢价损失，双方理解，公司应有权就此类损失寻求赔偿，并行使其股东和公司股权奖励持有人收回此类损失的权利，公司收到的与此相关的任何金额 可由公司保留）。

(b)            (i)           In the event that after the date of this Agreement and prior to the termination of this Agreement, a bona fide Acquisition Proposal shall have been made known to senior management or the Board of Directors of the Company or has been made directly to its shareholders generally or any person shall have publicly announced (and, in each case, not unconditionally withdrawn) an Acquisition Proposal with respect to the Company and (A) thereafter this Agreement is terminated by either Parent or the Company pursuant to Section 8.1(c) without the Requisite Company Vote having been obtained (and all other conditions set forth in Section 7.1 and Section 7.3 had been satisfied or were capable of being satisfied at a time prior to such termination), (B) thereafter this Agreement is terminated by either Parent or the Company pursuant to Section 8.1(d), or (C) thereafter this Agreement is terminated by Parent pursuant to Section 8.1(e) as a result of a willful breach, and (D) prior to the date that is twelve (12) months after the date of such termination, the Company enters into a definitive agreement for an Acquisition Proposal that is subsequently consummated or consummates a transaction with respect to an Acquisition Proposal (whether or not the same Acquisition Proposal as that referred to above), then the Company shall on the date of consummation of such transaction pay Parent, by wire transfer of same day funds, a fee equal to $11,250,000 (the “Termination Fee”); provided that for purposes of this Section 8.2(b), all references in the definition of Acquisition Proposal to “25%” shall instead refer to “51%.”

 (ii)          如果 母公司根据第8.1（f）条终止本协议，则公司应在终止后两（2）个工作日内，通过电汇 当日资金向母公司支付终止费。

(c)            尽管 本协议有任何相反规定，但在不限制母公司收回因公司 实际和故意欺诈或故意和重大违反本协议任何条款而产生的责任或损害赔偿的权利的情况下，费用的最大总额， 公司根据本协议应支付的责任或赔偿金应等于终止费（连同第8.2（d）节中规定的任何金额 ，如适用），且在任何情况下，公司均不得被要求支付 以上的终止费。

(d)            母公司和公司双方 均确认，本第8.2条中包含的协议是本协议所预期交易的一个组成部分 ，并且，如果没有这些协议，另一方将不会签订本协议；因此， 如果公司未能按照本第8.2条及时支付应付款项，并且，为了获得此类付款，家长 提起诉讼，导致公司就终止费作出判决，公司应支付与该诉讼有关的 合理且有记录的 自付费用和开支（包括合理且有记录的自付律师费和开支）。此外，如果公司未能根据本第8.2条支付应付款项，则 公司应支付该等逾期款项的利息（从该等逾期款项最初被要求支付之日开始至该等逾期款项实际全额支付之日结束），年利率等于 《华尔街日报》自原要求支付该逾期金额之日起 至实际全额支付该逾期金额之日止的期间，要求支付该等付款之日。公司根据第8.2（b）条应支付的金额应构成违约赔偿金， 不构成罚款，并且，除非实际和故意欺诈或故意和重大违反本协议，否则（连同本第8.2（d）条中规定的金额一起）在本 协议终止时，母公司的唯一经济救济。

第九条

一般规定

9.1陈述、义务和协议的不存在 。            本协议 或根据本协议交付的任何文书中的任何陈述、保证、契约或协议（保密协议除外，根据其条款继续有效）应在生效时间内有效，但第6.7条除外，以及包含的其他契约和协议 在此，或在生效时间后全部或部分履行。

9.2修正案。            在遵守适用法律的前提下，本协议双方可在本公司股东批准合并事项之前或之后的任何时候，通过各自 董事会采取或授权的行动，对本协议进行修订 ；但在本协议获得本公司股东批准后，未经该等股东的进一步批准，本协议的任何修订，需要根据适用法律获得该等股东的进一步批准。 本协议不得以任何方式进行修订、修改或补充，无论是通过行为过程或其他方式进行，除非通过 以书面形式明确指定为本协议修订，并代表本协议各方签署。

9.3延期； 放弃。           在生效时间之前的任何时候，本协议各方可以在法律允许的范围内，（a）延长本协议其他各方履行任何义务或其他行为的时间，（b）放弃本协议或根据本协议交付的任何文件中包含的陈述 和保证的任何不准确之处，及（c）放弃遵守任何协议 或满足本协议所载的任何条件；但在 公司股东批准本协议后，未经股东进一步批准，本协议或其任何部分 的任何延期或放弃，且需要根据适用法律获得该等股东的进一步批准。本协议一方就任何此类延期 或放弃达成的任何协议，只有在代表该方签署的书面文件中载明时才有效，但此类延期或放弃或未能 坚持严格遵守义务、契约、协议或条件，不应视为对任何后续或其他失败的放弃或禁止反言 。

9.4费用。            除第8.2条另有规定外，与本协议和本协议预期交易有关的所有成本和开支 应由产生此类开支的一方支付；但就合并向SEC支付的所有备案费和其他费用应由母公司承担。

9.5通知。            本协议项下一方向另一方发出或作出的所有通知、请求、指示或其他通信或文件 均应采用书面形式，并应视为已（a）以专人交付（附有书面收货确认书）；（b）如果由国家认可的隔夜快递公司发送，则收件人收到时（要求收据）；（c）PDF文档的电子邮件发送日期 如果在收件人当地时间下午5：00或之前发送，则 如果在收件人当地时间下午5：00之后发送，则在下一个工作日发送（在每种情况下，除非出现任何"反弹" 或类似的非传输消息）；或（d）在邮寄日期后的第二天，以挂号或挂号邮件，要求寄回收据， 邮资已付。此类通信必须按照下列地址（或 一方的其他地址，按照本第9.5条发出的通知中指定）发送给各自的当事人：

(a)             如果 发给公司，发给：

CapStar 金融控股公司

1201 Demonbreun Street，Suite 700

田纳西州纳什维尔 37203

注意：蒂莫西 K。   学校、总裁和CEO

电子邮件：tkschools@capstarbank.com            

将副本 (不构成通知)发送给：

Wachtell，Lipton，Rosen & Katz

51 West 52nd Street

New York，NY 10533

注意：马修M。    客人

电子邮件：MGuest@wlrk.com            

和

(b)            如果 为父级，则为：

老国民银行

一条主街

印第安纳州埃文斯维尔 47708收件人：Nicholas J. Chulos，首席法律官    
电子邮件：Nick. Chulos @ www.example.com           

9.6            Interpretation. The parties have participated jointly in negotiating and drafting this Agreement. In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise favoring or disfavoring any party by virtue of the authorship of any provision of this Agreement. When a reference is made in this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article or Section of or Exhibit or Schedule to this Agreement unless otherwise indicated. The table of contents and headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words “include,” “includes” or “including” are used in this Agreement, they shall be deemed to be followed by the words “without limitation.” References to “the date hereof” shall mean the date of this Agreement. As used in this Agreement, the “knowledge” of the Company means the actual knowledge after reasonable inquiry of their direct reports any of the officers of the Company listed on Section 9.6 of the Company Disclosure Schedule, and the “knowledge” of Parent means the actual knowledge after reasonable inquiry of their direct reports of the officers of Parent listed on Section 9.6 of the Parent Disclosure Schedule. As used herein, (i) “business day” means any day other than a Saturday, a Sunday or a day on which banks in New York, New York are authorized by law or executive order to be closed, (ii) “person” means any individual, corporation (including not-for-profit), general or limited partnership, limited liability company, joint venture, estate, trust, association, organization, Governmental Entity or other entity of any kind or nature, (iii) an “affiliate” of a specified person is any person that directly or indirectly controls, is controlled by, or is under common control with, such specified person, (iv) “made available” means any document or other information that was provided by one party or its representatives to the other party and its representatives prior to the date hereof, included in the virtual data room of a party prior to the date hereof or filed by a party with the SEC and publicly available on EDGAR prior to the date hereof and (v) the “transactions contemplated hereby” and “transactions contemplated by this Agreement” shall include the Merger and the Bank Merger. The Company Disclosure Schedule and the Parent Disclosure Schedule, as well as all other schedules and all exhibits hereto, shall be deemed part of this Agreement and included in any reference to this Agreement. All references to “dollars” or “$” in this Agreement are to United States dollars. This Agreement shall not be interpreted or construed to require any person to take any action, or fail to take any action, if to do so would violate any applicable law. References to any statute or regulation refer to such statute or regulation, as amended, modified, supplemented or replaced from time to time (and, in the case of statutes, include any rules and regulations promulgated under the statute) and references to any section of any statute or regulation include any successor to such section.

9.7对应方。             本协议可签署两份或多份副本（包括通过电子方式（包括". pdf"格式数据 文件），所有这些副本应被视为同一份协议，并应在副本由各方 签署并交付给其他各方后生效，但各方应理解，各方无需签署同一副本。

9.8整个 协议。            本协议（包括此处提及的文件和文书）， 与保密协议一起构成双方之间的完整协议，并取代 双方先前就本协议主题达成的所有书面和口头协议和谅解。

9.9管辖法律；管辖权。            

(a)            本 协议应受印第安纳州法律管辖和解释，不考虑任何适用的法律冲突 ，但田纳西州合并条款应受田纳西州法律管辖，印第安纳州合并条款应受印第安纳州法律管辖。

(b)            每一 方同意，其将仅在印第安纳州南部地区联邦地区法院印第安纳波利斯分部和印第安纳州境内的任何 州上诉法院就因本协议或本协议所考虑的交易引起或相关的任何索赔提起任何诉讼或诉讼（“选定法院”），且仅就本协议或本协议主题交易引起的 索赔，（i）无可争议地服从选定法院的专属 管辖权，（ii）放弃对在选定法院提出任何该等诉讼或法律程序的地点的任何反对， （iii）放弃对选定法院是一个不方便的法院或对任何一方没有管辖权的任何异议，并且（iv）同意 在任何该等诉讼或程序中向该方送达的法律程序将在根据第9.5条发出通知后生效。

9.10            放弃陪审团审判。每一方都承认并同意，本协议项下可能产生的任何争议都可能涉及 复杂和困难的问题，因此，在提起适用诉讼时，在法律允许的范围内，每一方都在此不可撤销且无条件地放弃就因本协议或本协议预期的交易而直接或间接引起或与之有关的任何 诉讼由陪审团审理的任何权利。每一方均证明并确认：(A)任何其他方的代表、代理人或律师均未明确或以其他方式表示，在发生诉讼的情况下，该另一方不会寻求强制执行前述放弃；(B)每一方都了解并考虑了本放弃的影响；(C)每一方自愿放弃本协议；以及(D)除其他事项外，每一方都是通过本节9.10中的相互放弃和证明来达成本协议的。

9.11            转让； 第三方受益人。未经另一方事先书面同意，本协议或本协议项下的任何权利、利益或义务均不得由本协议任何一方转让(无论是通过法律实施或其他方式)。任何与本协议相抵触的转让均为无效。在符合前一句话的前提下，本协议对双方及其各自的继承人和受让人具有约束力，对双方及其各自的继承人和受让人有利，并可由其强制执行。除第6.7节中另有明确规定的 旨在使每一公司受保障方及其继承人和代表受益外，本协议(包括本协议提及的文件和文书)不打算也不授予本协议双方以外的任何人任何权利或补救措施，包括依赖本协议规定的陈述和保证的权利。本协议中的陈述和保证是本协议各方谈判的产物，仅为双方的利益服务。此类陈述和保证中的任何不准确之处均由本协议各方根据本协议予以放弃，不对任何其他人发出通知或承担任何责任。在某些情况下，本协议中的陈述和保证可能 代表与特定事项相关的风险在本协议各方之间的分配，而不考虑本协议任何一方是否知情。因此，各方以外的其他人不得将本协议中的陈述和保证视为截至本协议日期或任何其他日期的实际事实或情况的表征。

9.12特定于            的 性能。双方同意，如果本协议的任何条款未按照本协议的具体条款履行或以其他方式违反，将发生不可弥补的损害。因此，各方应有权具体履行本协议条款，包括禁止违反或威胁违反本协议，或具体执行本协议条款和规定(包括双方完成合并的义务)的禁令，以及他们在法律或衡平法上有权获得的任何其他补救措施。双方特此进一步放弃(A)在任何针对具体履行的诉讼中的任何抗辩，即法律上的补救措施是足够的，以及(B)任何法律规定的作为获得公平救济的先决条件的担保或担保。

9.13            可分割性。 只要有可能，本协议任何条款或条款的任何部分应被解释为在适用法律下有效，但如果根据任何司法管辖区的任何适用法律或规则，本协议任何条款或条款的任何方面被认定为无效、非法或 不可执行，则该无效、非法或不可执行 不应影响该司法管辖区的任何其他条款或任何条款的任何部分，本协议应进行改革。在该司法管辖区内解释和执行，以使无效、非法或不可执行的规定或其部分应解释为 仅限于可执行的范围。

9.14机密 监督信息。            尽管本协议有任何其他规定， 根据本协议作出的披露、陈述或保证（或采取的其他行动）不得涉及披露机密监管信息（包括 12 C.F.R.中定义或确定的机密监管信息。§ 261.2（b）和12 C.F.R.§ 309.5（g）（8）） 本协议任何一方在适用法律禁止的范围内。在法律允许的范围内，应在前句限制适用的情况下作出或采取适当的 替代性披露或行动。

9.15通过电子传输 。            本协议和任何已签署的协议或与本协议有关的文书， 以及本协议或本协议或本协议的任何修订或放弃，以". pdf"格式 数据文件的方式签署和交付，应在所有方面视为原始协议或文书，并应视为具有相同的 具有约束力的法律效力，犹如该文件是亲自交付的原始签名版本。本协议或任何此类协议 或文书的任何一方均不得提出使用". pdf"格式数据文件的电子邮件传递方式来传递本协议 或本协议任何修订的签名或任何签名或协议或文书是通过". pdf"的电子邮件传递方式 传输或传达的事实格式数据文件作为对合同订立的抗辩，本合同各方永远放弃任何抗辩。

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特此证明，公司和母公司已促使其各自正式授权的管理人员 于上文第一条所述日期签署本协议。

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