SunTrust letterhead] December 28, 2015Term Loan Agreement • March 16th, 2017 • Community Bankers Trust Corp • State commercial banks
This letter refers to the Term Loan Agreement, dated as of April 22, 2014 (the “Agreement”), among Community Bankers Trust Corporation as Borrower (the “Borrower”), the Lenders from time to time party thereto and SunTrust Bank as Administrative Agent. As the result of certain strategic actions by the Borrower, we understand that the Borrower will not be in compliance with each of (i) the “Return on Average Assets” covenant set forth in Section 6.2 of the Agreement (the “Return on Average Assets Covenant”) and (ii) the “Dividend Capacity” covenant set forth in Section 6.4 of the Agreement (the “Dividend Capacity Covenant”) during the periods described below.
