Common use of DUTIES WITH RESPECT TO DEPOSITORS OF THE Clause in Contracts

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 5.1 Payment of Checks, Drafts and Orders 23 5.2 Certain Agreements Related to Deposits 24 5.3 Notice to Depositors 24 ARTICLE VI RECORDS 24 6.1 Transfer of Records 24 6.2 Delivery of Assigned Records 25 6.3 Preservation of Records 25 6.4 Access to Records; Copies 25 ARTICLE VII FIRST LOSS TRANCHE 26 ARTICLE VIII ADJUSTMENTS 26 8.1 Pro Forma Statement 26 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 8.4 Interest 27 8.5 Subsequent Adjustments 27 ARTICLE IX CONTINUING COOPERATION 28 9.1 General Matters 28 9.2 Additional Title Documents 28 9.3 Claims and Suits 28 9.4 Payment of Deposits 28 9.5 Withheld Payments 29 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 9.7 Information 30 ARTICLE X CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 5.1 Payment of Checks, Drafts and Orders 23 5.2 Certain Agreements Related to Deposits 24 23 5.3 Notice to Depositors 24 ARTICLE VI RECORDS 24 6.1 Transfer of Records 24 6.2 Delivery of Assigned Records 25 6.3 Preservation of Records 25 6.4 Access to Records; Copies 25 ARTICLE VII FIRST LOSS TRANCHE 26 ARTICLE VIII ADJUSTMENTS 26 8.1 Pro Forma Statement 26 8.2 Correction of Errors and Omissions; Other Liabilities 27 8.3 Payments 27 8.4 Interest 27 8.5 Subsequent Adjustments 27 ARTICLE IX CONTINUING COOPERATION 28 9.1 General Matters 28 9.2 Additional Title Documents 28 9.3 Claims and Suits 28 9.4 Payment of Deposits 28 9.5 Withheld Payments 29 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 9.7 Information 30 ARTICLE X CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts and Orders 23 26 5.2 Certain Agreements Related to Deposits 24 26 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 32 ARTICLE X CONDITION PRECEDENT 30 32 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 38 12.5 Obligations Supplemental 3538 Module 1 — Whole Bank w/ Loss Share — P&A Bank of Florida — Southwest Version 2.05 Naples, Florida April 26, 2010

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 26 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI VI. RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery Transfer of Assigned Records 25 27 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 6.5 Right of Receiver or Corporation to Audit 28 ARTICLE VII FIRST LOSS TRANCHE 26 VIII. BID; INITIAL PAYMENT 29 ARTICLE VIII VIII. ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX IX. CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 30 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 31 9.7 Information 30 32 9.8 Tax Ruling 32 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3532

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts and Orders 23 26 5.2 Certain Agreements Related to Deposits 24 26 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 32 ARTICLE X CONDITION PRECEDENT 30 32 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 38 12.5 Obligations Supplemental 3538 Module 1 — Whole Bank w/ Loss Share — P&A Bank of Florida — Southeast Version 2.05 Fort Lauderdale, Florida May 25, 2010

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI VI. RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery Transfer of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 6.5 Right of Receiver or Corporation to Audit 29 ARTICLE VII FIRST LOSS TRANCHE 26 VIII. BID; INITIAL PAYMENT 29 ARTICLE VIII VIII. ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING IX.CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 32 9.8 Tax Ruling 32 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3533

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 32 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 32 5.2 Certain Agreements Related to Deposits 24 32 5.3 Notice to Depositors 24 32 ARTICLE VI VI. FAILED BANK RECORDS 24 33 6.1 Transfer Ownership of Failed Bank Records 24 33 6.2 Delivery [Reserved] 33 6.3 Custody of Assigned Failed Bank Records 25 6.3 Preservation of Records 25 33 6.4 Access to Failed Bank Records; Copies 25 34 6.5 Failed Bank Record Privacy 34 ARTICLE VII FIRST LOSS TRANCHE 26 VII. BID; INITIAL PAYMENT 35 ARTICLE VIII VIII. ADJUSTMENTS 26 35 8.1 Pro Forma Statement 26 35 8.2 Correction of Errors and Omissions; Other Adjustments for Certain Liabilities 35 8.3 Payments 27 36 8.4 Interest 27 37 8.5 Subsequent Adjustments 27 37 ARTICLE IX IX. CONTINUING COOPERATION 28 37 9.1 General Matters 28 37 9.2 Additional Title Documents 28 37 9.3 Claims and Suits 28 38 9.4 Payment of Deposits 28 38 9.5 Withheld Payments 29 38 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 39 9.7 Information 30 39 9.8 Tax Ruling 39 9.9 Limited Power of Attorney 40 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3540

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts and Orders 23 26 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 28 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 29 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 30 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 31 9.7 Information 30 32 ARTICLE X CONDITION PRECEDENT 30 32 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 32 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 38 Module 1 – Whole Bank w/ Loss Share – P&A Bayside Savings Bank Version 2.07 Port Saint Xxx, Florida July 30, 2010 12.5 Obligations Supplemental 3538 12.6 Criminal Claims 38 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII MISCELLANEOUS 39 13.1 Entire Agreement 39 13.2 Headings 39 13.3 Counterparts 39 13.4 Governing Law 39 13.5 Successors 40 13.6 Modification; Assignment 40 13.7 Notice 40 13.8 Manner of Payment 41 13.9 Costs, Fees and Expenses 41 13.10 Waiver 41 13.11 Severability 41 13.12 Term of Agreement 41 13.13 Survival of Covenants, Etc. 42 SCHEDULES

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 28 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 28 5.2 Certain Agreements Related to Deposits 24 29 5.3 Notice to Depositors 24 29 ARTICLE VI VI. RECORDS 24 29 6.1 Transfer of Records 24 29 6.2 Delivery Transfer of Assigned Records 25 30 6.3 Preservation of Records 25 30 6.4 Access to Records; Copies 25 30 6.5 Right of Receiver or Corporation to Audit 31 ARTICLE VII FIRST LOSS TRANCHE 26 VII. BID; INITIAL PAYMENT 31 ARTICLE VIII ADJUSTMENTS 26 31 8.1 Pro Forma Statement 26 31 8.2 Correction of Errors and Omissions; Other Liabilities 31 8.3 Payments 27 32 8.4 Interest 27 32 8.5 Subsequent Adjustments 27 32 ARTICLE IX CONTINUING COOPERATION 28 32 9.1 General Matters 28 32 9.2 Additional Title Documents 28 32 9.3 Claims and Suits 28 33 9.4 Payment of Deposits 28 33 9.5 Withheld Payments 29 33 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 34 9.7 Information 30 34 9.8 Tax Ruling 34 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 29 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 30 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3538 Module 4- Whole Bank – P&A Version 2.07 October 8, 0000 Xxxxx Xxxxxxxx Xxxx Xxxxxxxxxx, Xxxxxxxx

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 38 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3538 Module 1 – Whole Bank w/ Loss Share – P&A Western Commercial Bank Version 2.10B Woodlands Hills, California September 22, 2010

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 26 5.2 Certain Agreements Related to Deposits 24 26 5.3 Notice to Depositors 24 27 ARTICLE VI VI. RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery Transfer of Assigned Records 25 27 6.3 Preservation of Records 25 27 6.4 Access to Records; Copies 25 28 6.5 Right of Receiver or Corporation to Audit 28 ARTICLE VII FIRST LOSS TRANCHE 26 VIII. BID; INITIAL PAYMENT 28 ARTICLE VIII VIII. ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX IX. CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 30 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 31 9.7 Information 30 32 9.8 Tax Ruling 32 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3532

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 28 5.1 Payment of Checks, Drafts and Orders 23 28 5.2 Certain Agreements Related to Deposits 24 28 5.3 Notice to Depositors 24 28 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 29 6.3 Preservation of Records 25 29 6.4 Access to Records; Copies 25 29 ARTICLE VII FIRST LOSS TRANCHE BID; INITIAL PAYMENT 26 ARTICLE VIII ADJUSTMENTS 26 30 8.1 Pro Forma Statement 26 30 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 31 8.4 Interest 27 31 8.5 Subsequent Adjustments 27 31 ARTICLE IX CONTINUING COOPERATION 28 32 9.1 General Matters 28 32 9.2 Additional Title Documents 28 32 9.3 Claims and Suits 28 32 9.4 Payment of Deposits 28 32 9.5 Withheld Payments 29 33 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 33 9.7 Information 30 34 ARTICLE X CONDITION PRECEDENT 30 34 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 34 ARTICLE XII INDEMNIFICATION 31 36 12.1 Indemnification of Indemnitees 31 36 12.2 Conditions Precedent to Indemnification 34 39 12.3 No Additional Warranty 35 39 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3540 Module 1 — Whole Bank w/ Loss Share — P&A GULF STATE COMMUNITY BANK Version 2.11B CARRABELLE, FLORIDA October 8, 2010 iii

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI VI. RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery Transfer of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 29 6.5 Right of Receiver or Corporation to Audit 29 ARTICLE VII FIRST LOSS TRANCHE 26 VIII. BID; INITIAL PAYMENT 29 ARTICLE VIII VIII. ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 30 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX IX. CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 9.8 Tax Ruling 33 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3533

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 29 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 29 5.2 Certain Agreements Related to Deposits 24 29 5.3 Notice to Depositors 24 29 ARTICLE VI VI. RECORDS 24 30 6.1 Transfer of Records 24 30 6.2 Delivery Transfer of Assigned Records 25 30 6.3 Preservation of Records 25 30 6.4 Access to Records; Copies 25 31 6.5 Right of Receiver or Corporation to Audit 31 ARTICLE VII FIRST LOSS TRANCHE 26 VII. BID; INITIAL PAYMENT 31 ARTICLE VIII ADJUSTMENTS 26 VIII. ADJUSTMENTS; SETTLEMENT PROCESS 32 8.1 Pro Forma Statement 26 32 8.2 Correction of Errors and Omissions; Other Liabilities 32 8.3 Payments 27 32 8.4 Interest 27 33 8.5 Subsequent Adjustments 27 33 ARTICLE IX IX. CONTINUING COOPERATION 28 33 9.1 General Matters 28 33 9.2 Additional Title Documents 28 33 9.3 Claims and Suits 28 33 9.4 Payment of Deposits 28 34 9.5 Withheld Payments 29 34 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 34 9.7 Information 30 35 9.8 Tax Ruling 36 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts and Orders 23 26 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 30 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 38 12.5 Obligations Supplemental 3539 Module 1 – Whole Bank w/ Loss Share – P&A Westernbank Puerto Rico Version 2.03 Mayaguez, Puerto Rico April 13, 2010

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 24 5.1 Payment of Checks, Drafts and Orders 23 24 5.2 Certain Agreements Related to Deposits 24 5.3 Notice to Depositors 24 ARTICLE VI RECORDS 24 6.1 Transfer of Records 24 6.2 Delivery of Assigned Records 25 6.3 Preservation of Records 25 6.4 Access to Records; Copies 25 ARTICLE VII FIRST LOSS TRANCHE 26 ARTICLE VIII ADJUSTMENTS 26 8.1 Pro Forma Statement 26 8.2 Correction of Errors and Omissions; Other Liabilities 26 8.3 Payments 27 8.4 Interest 27 8.5 Subsequent Adjustments 27 27 ARTICLE IX CONTINUING COOPERATION 28 9.1 General Matters 28 9.2 Additional Title Documents 28 9.3 Claims and Suits 28 9.4 Payment of Deposits 28 9.5 Withheld Payments 29 28 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 9.7 Information 30 ARTICLE X CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3536 Module 1 – Whole Bank w/ Loss Share – P&A Community First Bank Version 1.07 iii Prineville, Oregon July 14, 2009

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 38 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 39 12.5 Obligations Supplemental 3539 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 40 ARTICLE XIII MISCELLANEOUS 40 13.1 Entire Agreement 40 13.2 Headings 40 13.3 Counterparts 40 13.4 Governing Law 40 13.5 Successors 40 13.6 Modification; Assignment 41 13.7 Notice 41 13.8 Manner of Payment 41 13.9 Costs, Fees and Expenses 42 13.10 Waiver 42 13.11 Severability 42 13.12 Term of Agreement 42 13.13 Survival of Covenants, Etc. 42 SCHEDULES 2.1(a) Excluded Deposit Liability Accounts 44 3.2 Purchase Price of Assets or Assets 45 3.5(1) Excluded Securities 47 4.15A Single Family Shared-Loss Loans 48 4.15B Commercial Shared-Loss Loans 49 4.15C Shared-Loss Securities 50 4.15D Shared-Loss Subsidiaries 51 6.3 Data Retention Catalog 52 7 Calculation of Deposit Premium 54 EXHIBITS

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 26 5.2 Certain Agreements Related to Deposits 24 26 5.3 Notice to Depositors 24 27 ARTICLE VI VI. RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery Transfer of Assigned Records 25 27 6.3 Preservation of Records 25 27 6.4 Access to Records; Copies 25 28 6.5 Right of Receiver or Corporation to Audit 28 ARTICLE VII FIRST LOSS TRANCHE 26 VIII. BID; INITIAL PAYMENT 28 ARTICLE VIII VIII. ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 29 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX IX. CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 30 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 31 9.7 Information 30 32 9.8 Tax Ruling 32 ARTICLE X X. CONDITION PRECEDENT 30 32 ARTICLE XI XI. REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 32 11.1 Corporate Existence and Authority 32 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 33 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 37 12.4 Indemnification of Receiver and Corporation and Receiver 35 38 12.5 Obligations Supplemental 3538 12.6 Criminal Claims 38 12.7 Limited Guaranty of the Corporation 38 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39 13.1 Expenses 39 Module 1 – Whole Bank w/ Optional Shared Loss Agreements Version 3.01 – PURCHASE AND ASSUMPTION AGREEMENT December 8, 2010 i New Horizons Bank East Ellijay, Georgia 13.2 Waiver of Jury Trial 39 13.3 Consent; Determination or Discretion 39 13.4 Rights Cumulative 39 13.5 References 39 13.6 Notice 39 13.7 Entire Agreement 40 13.8 Counterparts 40 13.9 Governing Law 41 13.10 Successors 41 13.11 Modification 41 13.12 Manner of Payment 41 13.13 Waiver 41 13.14 Severability 41 13.15 Term of Agreement 41 13.16 Survival of Covenants, Etc. 42 SCHEDULES Page Purchase Price of Assets or any other assets Schedule 3.2 44 Accounts Excluded from Calculation of Deposit Franchise Bid Premium Schedule 7 46 EXHIBITS Page Final Legal Notice Exhibit 2.3A 47 Affidavit of Mailing Exhibit 2.3B 49 Valuation of Certain Qualified Financial Contracts Exhibit 3.2(c) 50 Interim Asset Servicing Arrangement Exhibit 4.13 52 Single Family Shared-Loss Agreement Exhibit 4.15A SF-1 Commercial Shared-Loss Agreement Exhibit 4.15B C-1 Module 1 – Whole Bank w/ Optional Shared Loss Agreements Version 3.01 – PURCHASE AND ASSUMPTION AGREEMENT December 8, 2010 ii New Horizons Bank East Ellijay, Georgia PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS THIS AGREEMENT, made and entered into as of the 15th day of April, 2011, by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER of NEW HORIZONS BANK, EAST ELLIJAY, GEORGIA (the “Receiver”), CITIZENS SOUTH BANK, organized under the laws of the United States of America, and having its principal place of business in GASTONIA, NORTH CAROLINA (the “Assuming Institution”), and the FEDERAL DEPOSIT INSURANCE CORPORATION, organized under the laws of the United States of America and having its principal office in Washington, D.C., acting in its corporate capacity (the “Corporation”).

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts and Orders 23 26 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 28 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 29 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 30 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 31 9.7 Information 30 32 ARTICLE X CONDITION PRECEDENT 30 32 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 32 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 38 12.5 Obligations Supplemental 3538 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII MISCELLANEOUS 39 13.1 Entire Agreement 39 13.2 Headings 39 13.3 Counterparts 39 13.4 Governing Law 40 13.5 Successors 40 13.6 Modification; Assignment 40 13.7 Notice 40 13.8 Manner of Payment 41 13.9 Costs, Fees and Expenses 41 13.10 Waiver 41 13.11 Severability 41 13.12 Term of Agreement 41 13.13 Survival of Covenants, Etc. 42 SCHEDULES 2.1(a) Excluded Deposit Liability Accounts 44 3.2 Purchase Price of Assets or Assets 45 3.5(l) Excluded Securities 47 4.15A Single Family Shared-Loss Loans 48 4.15B Commercial Shared-Loss Loans 49 4.15C Shared-Loss Securities 50 4.15D Shared-Loss Subsidiaries 51 6.3 Data Retention Catalog 52 7 Calculation of Deposit Premium 54 EXHIBITS

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 26 5.2 Certain Agreements Related to Deposits 24 26 5.3 Notice to Depositors 24 27 ARTICLE VI VI. RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery Transfer of Assigned Records 25 27 6.3 Preservation of Records 25 27 6.4 Access to Records; Copies 25 28 6.5 Right of Receiver or Corporation to Audit 28 ARTICLE VII FIRST LOSS TRANCHE 26 VIII. BID; INITIAL PAYMENT 28 ARTICLE VIII VIII. ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 29 8.3 Payments 27 29 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX IX. CONTINUING COOPERATION 28 30 9.1 General Matters 28 30 9.2 Additional Title Documents 28 30 9.3 Claims and Suits 28 30 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 31 9.7 Information 30 32 9.8 Tax Ruling 32 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3532

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 28 5.3 Notice to Depositors 24 28 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 29 6.4 Access to Records; Copies 25 29 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 30 8.1 Pro Forma Statement 26 30 8.2 Correction of Errors and Omissions; Other Liabilities 30 8.3 Payments 27 31 8.4 Interest 27 31 8.5 Subsequent Adjustments 27 31 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 32 9.4 Payment of Deposits 28 32 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 33 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 34 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 38 12.3 No Additional Warranty 35 39 12.4 Indemnification of Receiver and Corporation and Receiver 35 39 12.5 Obligations Supplemental 3540 12.6 Criminal Claims 40 12.7 Limited Guaranty of the Corporation 40 12.8 Subrogation 40 Module 1 – Whole Bank w/ Loss Share – P&A Legacy Bank Version 2.11B Scottsdale, Arizona October 8, 2010 iii

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 28 5.1 Payment of Checks, Drafts Drafts, Orders and Orders 23 Deposits 28 5.2 Certain Agreements Related to Deposits 24 29 5.3 Notice to Depositors 24 29 ARTICLE VI VI. RECORDS 24 29 6.1 Transfer of Records 24 29 6.2 Delivery Transfer of Assigned Records 25 30 6.3 Preservation of Records 25 30 6.4 Access to Records; Copies 25 30 6.5 Right of Receiver or Corporation to Audit 31 ARTICLE VII FIRST LOSS TRANCHE 26 VII. BID; INITIAL PAYMENT 31 ARTICLE VIII ADJUSTMENTS 26 VIII. ADJUSTMENTS; SETTLEMENT PROCESS 31 8.1 Pro Forma Statement 26 31 8.2 Correction of Errors and Omissions; Other Liabilities 32 8.3 Payments 27 32 8.4 Interest 27 32 8.5 Subsequent Adjustments 27 32 ARTICLE IX IX. CONTINUING COOPERATION 28 32 9.1 General Matters 28 32 9.2 Additional Title Documents 28 32 9.3 Claims and Suits 28 33 9.4 Payment of Deposits 28 33 9.5 Withheld Payments 29 33 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 34 9.7 Information 30 34 9.8 Tax Ruling 34 ARTICLE X X. CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 5.1 Payment of Checks, Drafts and Orders 23 5.2 Certain Agreements Related to Deposits 24 5.3 Notice to Depositors 24 ARTICLE VI RECORDS 24 6.1 Transfer of Records 24 6.2 Delivery of Assigned Records 25 6.3 Preservation of Records 25 6.4 Access to Records; Copies 25 ARTICLE VII FIRST LOSS TRANCHE 26 ARTICLE VIII ADJUSTMENTS 26 8.1 Pro Forma Statement 26 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 8.4 Interest 27 8.5 Subsequent Adjustments 27 ARTICLE IX CONTINUING COOPERATION 28 27 9.1 General Matters 28 9.2 Additional Title Documents 28 9.3 Claims and Suits 28 9.4 Payment of Deposits 28 9.5 Withheld Payments 29 28 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 9.7 Information 30 ARTICLE X CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 30 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 9.1 31 9 1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 39 12.5 Obligations Supplemental 3539 12 6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 40 ARTICLE XIII MISCELLANEOUS 40 13.1 Entire Agreement 40 13.2 Headings 40 13.3 Counterparts 40 13.4 Governing Law 40 13.5 Successors 40 13.6 Modification; Assignment 41 13.7 Notice 41 13.8 Manner of Payment 41 13.9 Costs Fees and Expenses 41 13.10 Waiver 42 13.11 Severability 42 13.12 Term of Agreement 42 13.13 Survival of Covenants Etc. 42 SCHEDULES 2.1(a) Excluded Deposit Liability Accounts 44 3.2 Purchase Price of Assets or Assets 45 3.5(l) Excluded Securities 47 4.15A Single Family Shared-Loss Loans 48 4.15B Commercial Shared-Loss Loans 49 4.15C Shared-Loss Securities 50 4.15D Shared-Loss Subsidiaries 51 6.3 Data Retention Catalog 52 7 Calculation of Deposit Premium 54 EXHIBITS

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE BID; INITIAL PAYMENT 26 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 38 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 3539

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 27 5.1 Payment of Checks, Drafts and Orders 23 27 5.2 Certain Agreements Related to Deposits 24 27 5.3 Notice to Depositors 24 28 ARTICLE VI RECORDS 24 28 6.1 Transfer of Records 24 28 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 289 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 30 8.1 Pro Forma Statement 26 30 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 30 8.4 Interest 27 31 8.5 Subsequent Adjustments 27 31 ARTICLE IX CONTINUING COOPERATION 28 31 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 32 9.5 Withheld Payments 29 32 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 35 12.1 Indemnification of Indemnitees 31 35 12.2 Conditions Precedent to Indemnification 34 38 12.3 No Additional Warranty 35 39 12.4 Indemnification of Corporation and Receiver 35 39 12.5 Obligations Supplemental 3539 Module 1— Whole Bank w/ Loss Share — P&A Version 2.09B September 13, 0000 XXX Xxxx Xxxxxx Xxxx, XX

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 5.1 Payment of Checks, Drafts and Orders 23 5.2 Certain Agreements Related to Deposits 24 5.3 Notice to Depositors 24 ARTICLE VI RECORDS 24 6.1 Transfer of Records 24 6.2 Delivery of Assigned Records 25 6.3 Preservation of Records 25 6.4 Access to Records; Copies 25 ARTICLE VII FIRST LOSS TRANCHE 26 ARTICLE VIII ADJUSTMENTS 26 8.1 Pro Forma Statement 26 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 8.4 Interest 27 8.5 Subsequent Adjustments 27 ARTICLE IX CONTINUING COOPERATION 28 9.1 General Matters 28 9.2 Additional Title Documents 28 9.3 Claims and Suits 28 9.4 Payment of Deposits 28 9.5 Withheld Payments 29 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 9.7 Information 30 ARTICLE X CONDITION PRECEDENT 30 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 ARTICLE XII INDEMNIFICATION 31 12.1 Indemnification of Indemnitees 31 12.2 Conditions Precedent to Indemnification 34 12.3 No Additional Warranty 35 12.4 Indemnification of Corporation and Receiver 35 12.5 Obligations Supplemental 35iii

DUTIES WITH RESPECT TO DEPOSITORS OF THE. FAILED BANK 23 26 5.1 Payment of Checks, Drafts and Orders 23 26 5.2 Certain Agreements Related to Deposits 24 26 5.3 Notice to Depositors 24 27 ARTICLE VI RECORDS 24 27 6.1 Transfer of Records 24 27 6.2 Delivery of Assigned Records 25 28 6.3 Preservation of Records 25 28 6.4 Access to Records; Copies 25 28 ARTICLE VII FIRST LOSS TRANCHE 26 BID; INITIAL PAYMENT 29 ARTICLE VIII ADJUSTMENTS 26 29 8.1 Pro Forma Statement 26 29 8.2 Correction of Errors and Omissions; Other Liabilities 8.3 Payments 27 30 8.4 Interest 27 30 8.5 Subsequent Adjustments 27 30 ARTICLE IX CONTINUING COOPERATION 28 30 9.1 General Matters 28 31 9.2 Additional Title Documents 28 31 9.3 Claims and Suits 28 31 9.4 Payment of Deposits 28 31 9.5 Withheld Payments 29 31 9.6 Proceedings with Respect to Certain Assets and Liabilities 29 32 9.7 Information 30 33 ARTICLE X CONDITION PRECEDENT 30 33 ARTICLE XI REPRESENTATIONS AND WARRANTIES OF THE ASSUMING BANK 30 INSTITUTION 33 ARTICLE XII INDEMNIFICATION 31 34 12.1 Indemnification of Indemnitees 31 34 12.2 Conditions Precedent to Indemnification 34 37 12.3 No Additional Warranty 35 38 12.4 Indemnification of Corporation and Receiver 35 38 12.5 Obligations Supplemental 3538