Common use of REPRESENTATIONS AND WARRANTIES OF BUYER AND BUYER Clause in Contracts

REPRESENTATIONS AND WARRANTIES OF BUYER AND BUYER. SUB 35 4.01. Representations and Warranties of Buyer and Buyer Sub 35 ARTICLE FIVE — FURTHER COVENANTS OF SELLER 54 5.01. Operation of Business 54 5.02. Notification 59 5.03. No Solicitation 60 5.04. Delivery of Information 63 5.05. Takeover Laws 63 5.06. No Control 63 5.07. Exchange Listing 63 5.08. Section 16 Votes 63 5.09. [Reserved] 63 5.10. Dividend Reinvestment 64 5.11. ESOP and 401(k) Matters 64 5.12. Seller Restricted Stock 65 ARTICLE SIX — FURTHER COVENANTS OF BUYER 65 6.01. Access to Information 65 6.02. Opportunity of Employment; Employee Benefits; Retention Pool 65 6.03. Exchange Listing 68 6.04. Notification 68 6.05. Takeover Laws 68 6.06. Officers’ and Directors’ Indemnification and Insurance 68 6.07. Appointment of Seller Director to Board of Directors 70 6.08. Operation of Business 70 6.09. Buyer Forbearances 70 6.10. Seller Shares 71 ARTICLE SEVEN — FURTHER OBLIGATIONS OF THE PARTIES 71 7.01. Confidentiality 71 7.02. Necessary Further Action 72 7.03. Cooperative Action 72 7.04. Satisfaction of Conditions 72 7.05. Press Releases 72 7.06. Registration Statements; Proxy Statement; Shareholders’ Meetings 72 7.07. Regulatory Applications 75 7.08. Coordination of Dividends 76 ARTICLE EIGHT — CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE PARTIES 76 8.01. Conditions to the Obligations of Buyer and Buyer Sub 76 8.02. Conditions to the Obligations of Seller and Seller Sub 77 8.03. Mutual Conditions 78 ARTICLE NINE — CLOSING 79 9.01. Closing 79 9.02. Closing Transactions Required of Buyer 79 9.03. Closing Transactions Required of Seller 80 ARTICLE TEN — NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES AND COVENANTS 80 10.01. Non-Survival of Representations, Warranties and Covenants 80 ARTICLE ELEVEN — TERMINATION 81 11.01. Termination 81 11.02. Effect of Termination 85 ARTICLE TWELVE — MISCELLANEOUS 86 12.01. Notices 86 12.02. Counterparts 87 12.03. Entire Agreement; No Third-Party Rights 87 12.04. Successors and Assigns 87 12.05. Captions 88 12.06. Governing Law 88 12.07. Payment of Fees and Expenses 88 12.08. Amendment 88 12.09. Waiver 88 12.10. Disclosure Schedules 88 12.11. Waiver of Jury Trial 89 12.12. Severability 89 12.13. Specific Performance 89

REPRESENTATIONS AND WARRANTIES OF BUYER AND BUYER. SUB 35 4.01. Representations and Warranties of Buyer and Buyer Sub 35 ARTICLE FIVE — -- FURTHER COVENANTS OF SELLER 54 5.01. Operation of Business 54 5.02. Notification 59 5.03. No Solicitation 60 5.04. Delivery of Information 63 5.05. Takeover Laws 63 5.06. No Control 63 5.07. Exchange Listing 63 5.08. Section 16 Votes 63 5.09. [Reserved] 63 Disposition of Certain Loans 5.10. Dividend Reinvestment 64 5.11. ESOP and 401(k) Matters 64 5.12. Seller Restricted Stock 2 2 2 2 3 3 4 4 4 5 7 11 12 12 12 12 37 37 56 56 62 63 65 65 65 65 66 66 66 66 ARTICLE SIX — -- FURTHER COVENANTS OF BUYER 65 6.01. Access to Information 65 6.02. Opportunity of Employment; Employee Benefits; Retention Pool 65 Benefits 6.03. Exchange Listing 68 6.04. Notification 68 6.05. Takeover Laws 68 6.06. Officers’ and Directors’ Indemnification and Insurance 68 6.07. Appointment of Seller Director to Board of Directors 70 Directors; Advisory Board 6.08. Operation of Business 70 6.09. Buyer Forbearances 70 6.10. Seller Shares 71 and Series B Preferred Stock 6.11. Retentionof Management Employees ARTICLE SEVEN — -- FURTHER OBLIGATIONS OF THE PARTIES 71 7.01. Confidentiality 71 7.02. Necessary Further Action 72 7.03. Cooperative Action 72 7.04. Satisfaction of Conditions 72 7.05. Press Releases 72 7.06. Registration Statements; Proxy Statement; Shareholders’ Meetings 72 Meeting 7.07. Regulatory Applications 75 7.08. Coordination of Dividends 76 7.09. Preferred Stock and Warrant Held By U.S. Treasury 7.10. Supplemental Indenture ARTICLE EIGHT — -- CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE PARTIES 76 8.01. Conditions to the Obligations of Buyer and Buyer Sub 76 8.02. Conditions to the Obligations of Seller and Seller Sub 77 8.03. Mutual Conditions 78 ARTICLE NINE — -- CLOSING 79 9.01. Closing 79 9.02. Closing Transactions Required of Buyer 79 9.03. Closing Transactions Required of Seller 80 ARTICLE TEN — -- NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES AND COVENANTS 80 10.01. Non-Survival of Representations, Warranties and Covenants 80 ARTICLE ELEVEN — -- TERMINATION 81 11.01. Termination 67 67 67 69 69 70 70 72 72 72 73 73 73 73 73 74 74 74 74 76 77 77 78 78 78 79 80 81 11.02. Effect of Termination 85 ARTICLE TWELVE — MISCELLANEOUS 86 12.01. Notices 86 12.02. Counterparts 87 12.03. Entire Agreement; No Third-Party Rights 87 12.04. Successors and Assigns 87 12.05. Captions 88 12.06. Governing Law 88 12.07. Payment of Fees and Expenses 88 12.08. Amendment 88 12.09. Waiver 88 12.10. Disclosure Schedules 88 12.11. Waiver of Jury Trial 89 12.12. Severability 89 12.13. Specific Performance 8981 81 82 83 83 83 83

REPRESENTATIONS AND WARRANTIES OF BUYER AND BUYER. SUB 35 37 4.01. Representations and Warranties of Buyer and Buyer Sub 35 37 ARTICLE FIVE — FURTHER COVENANTS OF SELLER 54 56 5.01. Operation of Business 54 56 5.02. Notification 59 62 5.03. No Solicitation 60 62 5.04. Delivery of Information 63 65 5.05. Takeover Laws 63 65 5.06. No Control 63 65 5.07. Exchange Listing 63 66 5.08. Section 16 Votes 63 66 5.09. [Reserved] 63 Disposition of Certain Loans 66 5.10. Dividend Reinvestment 64 66 5.11. ESOP and 401(k) Matters 64 5.12. Seller Restricted Stock 65 66 ARTICLE SIX — FURTHER COVENANTS OF BUYER 65 67 6.01. Access to Information 65 67 6.02. Opportunity of Employment; Employee Benefits; Retention Pool 65 Benefits 67 6.03. Exchange Listing 68 69 6.04. Notification 68 70 6.05. Takeover Laws 68 70 6.06. Officers’ and Directors’ Indemnification and Insurance 68 70 6.07. Appointment of Seller Director to Board of Directors 70 Directors; Advisory Board 72 6.08. Operation of Business 70 72 6.09. Buyer Forbearances 70 72 6.10. Seller Shares 71 and Series B Preferred Stock 73 6.11. Retentionof Management Employees 73 ARTICLE SEVEN — FURTHER OBLIGATIONS OF THE PARTIES 71 73 7.01. Confidentiality 71 73 7.02. Necessary Further Action 72 74 7.03. Cooperative Action 72 74 7.04. Satisfaction of Conditions 72 74 7.05. Press Releases 72 74 7.06. Registration Statements; Proxy Statement; Shareholders’ Meetings 72 Meeting 74 7.07. Regulatory Applications 75 77 7.08. Coordination of Dividends 76 77 7.09. Preferred Stock and Warrant Held By U.S. Treasury 77 7.10. Supplemental Indenture 78 ARTICLE EIGHT — CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE PARTIES 76 78 8.01. Conditions to the Obligations of Buyer and Buyer Sub 76 78 8.02. Conditions to the Obligations of Seller and Seller Sub 77 79 8.03. Mutual Conditions 78 80 ARTICLE NINE — CLOSING 79 81 9.01. Closing 79 81 9.02. Closing Transactions Required of Buyer 79 81 9.03. Closing Transactions Required of Seller 80 82 ARTICLE TEN — NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES AND COVENANTS 80 83 10.01. Non-Survival of Representations, Warranties and Covenants 80 83 ARTICLE ELEVEN — TERMINATION 81 83 11.01. Termination 81 83 11.02. Effect of Termination 85 87 ARTICLE TWELVE — MISCELLANEOUS 86 88 12.01. Notices 86 88 12.02. Counterparts 87 89 12.03. Entire Agreement; No Third-Party Rights 87 89 12.04. Successors and Assigns 87 89 12.05. Captions 88 90 12.06. Governing Law 88 90 12.07. Payment of Fees and Expenses 88 90 12.08. Amendment 88 90 12.09. Waiver 88 90 12.10. Disclosure Schedules 88 90 12.11. Waiver of Jury Trial 89 91 12.12. Severability 89 91 12.13. Specific Performance 8991

REPRESENTATIONS AND WARRANTIES OF BUYER AND BUYER. SUB 35 40 4.01. Representations and Warranties of Buyer and Buyer Sub 35 40 ARTICLE FIVE — FURTHER COVENANTS OF SELLER 54 61 5.01. Operation of Business 54 61 5.02. Notification 59 66 5.03. No Solicitation 60 67 5.04. Delivery of Information 63 70 5.05. Takeover Laws 63 70 5.06. No Control 63 70 5.07. Exchange Listing 63 70 5.08. Section 16 Votes 63 71 5.09. [Reserved] 63 Seller Classified Loans 71 5.10. Dividend Reinvestment 64 5.11. ESOP and 401(k) Plan Matters; Other Benefit Plan Matters 64 5.12. Seller Restricted Stock 65 71 ARTICLE SIX — FURTHER COVENANTS OF BUYER 65 72 6.01. Access to Information 65 72 6.02. Opportunity of Employment; Employee Benefits; Retention Pool 65 and Retention Restricted Stock Grants 72 6.03. Exchange Listing 68 75 6.04. Notification 68 75 6.05. Takeover Laws 68 75 6.06. Officers’ and Directors’ Indemnification and Insurance 68 75 6.07. Appointment of Seller Director Directors to Board of Directors 70 77 6.08. Operation of Business 70 77 6.09. Buyer Forbearances 70 78 6.10. Seller Shares 71 78 6.11. Section 16 78 ARTICLE SEVEN — FURTHER OBLIGATIONS OF THE PARTIES 71 78 7.01. Confidentiality 71 78 7.02. Necessary Further Action 72 79 7.03. Cooperative Action 72 79 7.04. Satisfaction of Conditions 72 79 7.05. Press Releases 72 79 7.06. Registration Statements; Proxy Statement; Shareholders’ Meetings 72 80 7.07. Regulatory Applications 75 82 7.08. Coordination of Dividends 76 83 7.09. Seller Dividend and Contingent Cash Payment 83 7.10. Transition and Data Conversion 84 ARTICLE EIGHT — CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE PARTIES 76 85 8.01. Conditions to the Obligations of Buyer and Buyer Sub 76 85 8.02. Conditions to the Obligations of Seller and Seller Sub 77 86 8.03. Mutual Conditions 78 87 ARTICLE NINE — CLOSING 79 88 9.01. Closing 79 88 9.02. Closing Transactions Required of Buyer 79 88 9.03. Closing Transactions Required of Seller 80 89 ARTICLE TEN — NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES AND COVENANTS 80 90 10.01. Non-Survival of Representations, Warranties and Covenants 80 90 ARTICLE ELEVEN — TERMINATION 81 90 11.01. Termination 81 90 11.02. Effect of Termination 85 94 ARTICLE TWELVE — MISCELLANEOUS 86 96 12.01. Notices 86 96 12.02. Counterparts 87 Counterparts; Electronic Signatures 97 12.03. Entire Agreement; No Third-Party Rights 87 97 12.04. Successors and Assigns 87 97 12.05. Captions 88 97 12.06. Governing Law 88 98 12.07. Payment of Fees and Expenses 88 98 12.08. Amendment 88 98 12.09. Waiver 88 98 12.10. Confidential Supervisory Information 98 12.11. Disclosure Schedules 88 12.1198 12.12. Waiver of Jury Trial 89 12.1299 12.13. Severability 89 12.1399 12.14. Specific Performance 8999

REPRESENTATIONS AND WARRANTIES OF BUYER AND BUYER. SUB 35 39 4.01. Representations and Warranties of Buyer and Buyer Sub 35 39 ARTICLE FIVE — FURTHER COVENANTS OF SELLER 54 59 5.01. Operation of Business 54 59 5.02. Notification 59 64 5.03. No Solicitation 60 64 5.04. Delivery of Information 63 67 5.05. Takeover Laws 63 67 5.06. No Control 63 68 5.07. Exchange Listing 63 68 5.08. Section 16 Votes 63 68 5.09. [Reserved] 63 Seller Classified Loans 68 5.10. Dividend Reinvestment 64 5.11. ESOP and 401(k) Plan Matters; Other Benefit Plan Matters 64 5.12. Seller Restricted Stock 65 69 ARTICLE SIX — FURTHER COVENANTS OF BUYER 65 69 6.01. Access to Information 65 69 6.02. Opportunity of Employment; Employee Benefits; Retention Pool 65 and Retention Restricted Stock Grants 70 6.03. Exchange Listing 68 72 6.04. Notification 68 72 6.05. Takeover Laws 68 73 6.06. Officers’ and Directors’ Indemnification and Insurance 68 73 6.07. Appointment of Seller Director to Board of Directors 70 Directors; Advisory Board 75 6.08. Operation of Business 70 75 6.09. Buyer Forbearances 70 75 6.10. Seller Shares 71 76 6.11. Section 16 76 ARTICLE SEVEN — FURTHER OBLIGATIONS OF THE PARTIES 71 76 7.01. Confidentiality 71 76 7.02. Necessary Further Action 72 77 7.03. Cooperative Action 72 77 7.04. Satisfaction of Conditions 72 77 7.05. Press Releases 72 77 7.06. Registration Statements; Proxy Statement; Shareholders’ Meetings 72 Meeting 78 7.07. Regulatory Applications 75 80 7.08. Coordination of Dividends 76 80 7.09. Transition and Data Conversion 81 ARTICLE EIGHT — CONDITIONS PRECEDENT TO THE OBLIGATIONS OF THE PARTIES 76 82 8.01. Conditions to the Obligations of Buyer and Buyer Sub 76 82 8.02. Conditions to the Obligations of Seller and Seller Sub 77 83 8.03. Mutual Conditions 78 83 ARTICLE NINE — CLOSING 79 84 9.01. Closing 79 84 9.02. Closing Transactions Required of Buyer 79 85 9.03. Closing Transactions Required of Seller 80 85 ARTICLE TEN — NON-SURVIVAL OF REPRESENTATIONS, WARRANTIES AND COVENANTS 80 86 10.01. Non-Survival of Representations, Warranties and Covenants 80 86 ARTICLE ELEVEN — TERMINATION 81 86 11.01. Termination 81 86 11.02. Effect of Termination 85 90 ARTICLE TWELVE — MISCELLANEOUS 86 91 12.01. Notices 86 91 12.02. Counterparts 87 Counterparts; Electronic Signatures 92 12.03. Entire Agreement; No Third-Party Rights 87 93 12.04. Successors and Assigns 87 93 12.05. Captions 88 93 12.06. Governing Law 88 93 12.07. Payment of Fees and Expenses 88 93 12.08. Amendment 88 93 12.09. Waiver 88 93 12.10. Disclosure Schedules 88 94 12.11. Waiver of Jury Trial 89 94 12.12. Severability 89 94 12.13. Specific Performance 8994 The following terms, when used in this Agreement, have the meanings ascribed to them in the corresponding Sections of this Agreement listed below: “Acquisition Proposal” — Section 5.03(a) “Acquisition Transaction” — Section 5.03(a) “Age Discrimination in Employment Act” — Section 3.01(t)(ii)