Common use of Covenants Relating to Conduct of Business Clause in Contracts

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the Effective Time 34 5.2 Forbearances 35 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 6.2 Access to Information 38 6.3 Shareholders’ Approvals 39 6.4 Legal Conditions to Merger 40 6.5 NASDAQ Listing 40 6.6 Employee Benefit Plans 40 6.7 Indemnification; Directors’ and Officers’ Insurance 42 6.8 Additional Agreements 43 6.9 Advice of Changes 43 6.10 Dividends 43 6.11 Corporate Governance 43 6.12 Acquisition Proposals 44 6.13 Public Announcements 45 6.14 Changes of Method 45 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of Xenith Prior to the Effective Time 34 46 5.2 Xenith Forbearances 35 46 5.3 Conduct of Business of HRB Prior to the Effective Time 49 5.4 HRB Forbearances 50 5.5 No Control of the Other Party’s Business 53 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 53 6.2 Access to Information 38 54 6.3 Shareholders’ Approvals 39 55 6.4 Legal Conditions to Merger 40 56 6.5 NASDAQ Stock Exchange Listing 40 57 6.6 Employee Benefit Plans 40 57 6.7 Indemnification; Directors’ and Officers’ Insurance 42 58 6.8 Additional Agreements 43 59 6.9 Advice of Changes 43 59 6.10 Dividends 43 Shareholder Litigation 60 6.11 Corporate Governance 43 Post-Merger Organizational Matters 60 6.12 Acquisition Proposals 44 60 6.13 Public Announcements 45 63 6.14 Changes of Method 45 Takeover Statutes 63 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4764 6.16 Existing Indebtedness 64

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the Effective Time 34 56 5.2 FNCB Forbearances 35 56 5.3 PFIS Forbearances 60 5.4 Capital of FNCB Bank 63 5.5 PFIS Bylaws Amendment 63 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 64 6.2 Access to Information 38 Information; Confidentiality 66 6.3 Shareholders’ Non-Control 66 6.4 Shareholder Approvals 39 6.4 67 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 69 6.6 Stock Exchange Listing 40 6.6 69 6.7 Employee Benefit Plans 40 6.7 Matters 69 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 73 6.9 Additional Agreements 43 6.9 74 6.10 Advice of Changes 43 6.10 74 6.11 Dividends 43 6.11 74 6.12 Litigation 75 6.13 Corporate Governance 43 6.12 75 6.14 Acquisition Proposals 44 6.13 76 6.15 Public Announcements 45 6.14 Changes 78 6.16 Change of Method 45 6.15 78 6.17 Restructuring Efforts 79 6.18 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 79 6.19 Treatment of FNCB Debt 79 6.20 Operating Functions 79 6.21 Exemption from Liability Under under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4780 6.22 Post Closing Actions 80 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business Prior to the Effective Time 34 44 5.2 Company Forbearances 35 44 5.3 Parent Forbearances 48 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 49 6.2 Access to Information 38 51 6.3 Shareholders’ Approvals 39 Company Stockholder Approval 52 6.4 Parent Shareholder Approval 53 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 54 6.6 Stock Exchange Listing 40 6.6 54 6.7 Employee Benefit Plans 40 6.7 Matters 54 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 56 6.9 Additional Agreements 43 6.9 58 6.10 Advice of Changes 43 6.10 58 6.11 Dividends 43 6.11 Corporate Governance 43 58 6.12 Parent Board 58 6.13 Acquisition Proposals 44 6.13 59 6.14 Public Announcements 45 6.14 Changes 60 6.15 Change of Method 45 6.15 60 6.16 Restructuring Efforts 60 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 61 6.18 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 61 6.19 System Integration 46 Litigation and Claims 61 6.20 Coordination; Integration 47Assumption of Company Debt 62 6.21 No Control of Other Party’s Business 62 6.22 Company Bank Pre-Closing Dividend 62 6.23 Company Cooperation 62 6.24 Parent Cooperation 62 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the First Effective Time 34 37 5.2 Forbearances 35 of the Company 38 5.3 Forbearances of Purchaser 41 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 42 6.2 Access to Information 38 Information; Confidentiality 44 6.3 Non-Control 44 6.4 Shareholders’ Approvals 39 6.4 45 6.5 Legal Conditions to Merger 40 6.5 NASDAQ Mergers 46 6.6 Stock Exchange Listing 40 6.6 47 6.7 Employee Benefit Plans 40 6.7 Matters 47 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 48 6.9 Additional Agreements 43 6.9 49 6.10 Advice of Changes 43 6.10 Dividends 43 49 6.11 Shareholder Litigation 50 6.12 Reserved 50 6.13 Acquisition Proposals 50 6.14 Corporate Governance 43 6.12 Acquisition Proposals 44 6.13 52 6.15 Public Announcements 45 6.14 Changes 52 6.16 Change of Method 45 6.15 52 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 53 6.18 Treatment of Company Indebtedness 53 6.19 Exemption from Liability Under Section 16(b) 46 6.18 53 6.20 Securities Aggregation 53 6.21 Advisory Client Consents; Fund Approvals 54 6.22 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Tax Matters 54 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses by IBTX Prior to the Effective Time 34 48 5.2 Forbearances 35 of IBTX 49 5.3 Conduct of Businesses by SouthState Prior to the Effective Time 54 5.4 Forbearances of SouthState 54 5.5 No Control 55 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 55 6.2 Advisory Client Consents 57 6.3 Access to Information 38 6.3 Information; Confidentiality 58 6.4 Shareholders’ Approvals 39 6.4 59 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 61 6.6 Stock Exchange Listing 40 6.6 62 6.7 Employee Benefit Plans 40 6.7 Matters 62 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 64 6.9 Additional Agreements 43 6.9 65 6.10 Advice of Changes 43 6.10 65 6.11 Dividends 43 6.11 Corporate Governance 43 65 6.12 Shareholder Litigation 65 6.13 Board Representation 66 6.14 Acquisition Proposals 44 6.13 67 6.15 Public Announcements 45 6.14 Changes 68 6.16 Change of Method 45 6.15 68 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 68 6.18 Treatment of IBTX Indebtedness 69 6.19 Exemption from Liability Under Section 16(b) 46 6.18 69 6.20 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Tax Matters 69 6.21 IBTX Subsidiary Matters 70 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of the Company Prior to the Effective Time 34 37 5.2 Company Forbearances 35 38 5.3 Purchaser Forbearances 41 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 41 6.2 Access to Information 38 43 6.3 Shareholders’ Approvals 39 Approval 45 6.4 Legal Conditions to Merger 40 46 6.5 NASDAQ Stock Exchange Listing 40 46 6.6 Employee Benefit Plans 40 46 6.7 Indemnification; Directors’ and Officers’ Insurance 42 49 6.8 Additional Agreements 43 50 6.9 Advice of Changes 43 51 6.10 Dividends 43 51 6.11 Corporate Governance 43 6.12 Acquisition Proposals 44 6.13 51 6.12 Public Announcements 45 52 6.13 [Reserved] 52 6.14 Changes of Method 45 Takeover Statutes 52 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4753 6.16 Bank Merger 53 6.17 No Control of Other Party’s Business 53 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of the Company Prior to the Effective Time 31 5.2 Company Forbearances 32 5.3 Parent Forbearances 34 5.2 Forbearances 35 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 34 6.2 Access to Information 38 36 6.3 ShareholdersStockholders’ Approvals 39 Approval 36 6.4 Legal Conditions to Merger 40 37 6.5 NASDAQ Stock Exchange Listing 40 38 6.6 Employee Benefit Plans 40 38 6.7 Indemnification; Directors’ and Officers’ Insurance 42 39 6.8 Additional Agreements 43 40 6.9 Advice of Changes 43 40 6.10 Dividends 43 41 Table of Contents 6.11 Corporate Governance 43 41 6.12 Acquisition Proposals 44 41 6.13 Public Announcements 45 42 6.14 Changes of Method 45 Takeover Statutes 42 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under under Section 16(b) 46 43 6.16 Litigation and Claims 43 6.17 Assumption of the Company Debt 43 6.18 Certain Policies 46 No Control of Other Party’s Business 43 6.19 System Integration 46 Amendment Filings 43 6.20 Coordination; Integration 47Termination of Company Dividend Reinvestment Plan. 44 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the Effective Time 34 44 5.2 Forbearances 35 44 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 47 6.2 Access to Information 38 48 6.3 ShareholdersStockholders’ Approvals 39 49 6.4 Legal Conditions to Merger 40 50 6.5 NASDAQ Stock Exchange Listing 40 50 6.6 Employee Benefit Plans 40 50 6.7 Indemnification; Directors’ and Officers’ Insurance 42 52 6.8 Additional Agreements 43 53 6.9 Advice of Changes 43 54 6.10 Dividends 43 54 6.11 Corporate Governance 43 54 6.12 Acquisition Proposals 44 55 6.13 Public Announcements 45 56 6.14 Changes Change of Method 45 56 6.15 Restructuring Efforts 57 6.16 Takeover Strategies 45 6.16 Statutes 57 6.17 Trust Preferred Securities 46 6.17 57 6.18 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4757 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of NewBridge Prior to the Effective Time 34 42 5.2 NewBridge Forbearances 35 42 5.3 Yadkin Forbearances 45 5.4 Tax-free Reorganization 46 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 47 6.2 Access to Information 38 48 6.3 Shareholders’ Approvals 39 48 6.4 Legal Conditions to Merger 40 50 6.5 NASDAQ Stock Exchange Listing 40 50 6.6 Employee Benefit Plans 40 Matters 51 6.7 Indemnification; Directors’ and Officers’ Insurance 42 53 6.8 Additional Agreements 43 54 6.9 Advice of Changes 43 54 6.10 Dividends 43 54 6.11 Corporate Governance 43 54 6.12 Acquisition Proposals 44 55 6.13 Public Announcements 45 56 6.14 Changes Change of Method 45 56 6.15 Restructuring Efforts 56 6.16 Takeover Strategies 45 6.16 Trust Preferred Securities 46 Statutes 57 6.17 Exemption from Liability Under Section 16(b) 46 57 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Assumption of Trust Preferred Securities and Subordinated Debt 57

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business Prior to the Effective Time 34 45 5.2 Company Forbearances 35 45 5.3 Purchaser Forbearances 49 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 50 Table of Contents (Continued) Page 6.2 Access to Information 38 Information; Cooperation 52 6.3 Shareholders’ Approvals 39 Stockholder Approval 53 6.4 Legal Conditions to Voting of Shares 54 6.5 Obligations of Merger 40 6.5 NASDAQ Sub 54 6.6 NYSE Listing 40 6.6 54 6.7 Employee Benefit Plans 40 6.7 Matters 54 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 Additional Agreements 43 56 6.9 Advice of Changes 43 6.10 Dividends 43 6.11 Corporate Governance 43 6.12 Acquisition Proposals 44 6.13 Public Announcements 45 6.14 Changes of Method 45 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under Section 16(b) 46 6.18 58 6.10 No Solicitation 58 6.11 Takeover Laws 61 6.12 Financial Statements and Other Current Information 61 6.13 Notification of Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Matters 62 6.14 Stockholder Litigation 62 6.15 Transition 62 6.16 Purchaser Consent 62 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the Effective Time 34 55 5.2 Partners Forbearances 35 55 5.3 LINK Forbearances 59 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 62 6.2 Access to Information 38 Information; Confidentiality 63 6.3 Shareholders’ Non-Control 64 6.4 Shareholder Approvals 39 6.4 64 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 66 6.6 Stock Exchange Listing 40 6.6 67 6.7 Employee Benefit Plans 40 6.7 Matters 67 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 70 6.9 Additional Agreements 43 6.9 71 6.10 Advice of Changes 43 6.10 71 6.11 Dividends 43 6.11 72 6.12 Litigation 72 6.13 Corporate Governance 43 6.12 72 6.14 Acquisition Proposals 44 6.13 73 6.15 Public Announcements 45 6.14 Changes 75 6.16 Change of Method 45 6.15 75 6.17 Restructuring Efforts 76 6.18 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 76 6.19 Treatment of Partners Debt 76 6.20 Operating Functions 76 6.21 Exemption from Liability Under under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4776 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business Prior to the Effective Time 34 50 5.2 Forbearances 35 50 5.3 No Control of Other Party 54 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 54 6.2 Access to Information 38 56 6.3 Shareholders’ Approvals 39 57 6.4 Legal Conditions to Merger 40 60 6.5 NASDAQ Stock Exchange Listing 40 60 6.6 Employee Benefit Plans 40 60 6.7 Indemnification; Directors’ and Officers’ Insurance 42 62 6.8 Additional Agreements 43 64 6.9 Advice of Changes 43 64 6.10 Dividends 43 64 6.11 Corporate Governance 43 6.12 Acquisition Proposals 44 6.13 64 6.12 Public Announcements 45 66 6.13 Section 16 Matters 66 6.14 Changes of Method 45 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4766 6.15 Employment Agreements 67 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of the Company Prior to the Effective Time 34 28 5.2 Company Forbearances 35 28 5.3 Purchaser Forbearances 30 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 30 6.2 Access to Information 38 32 6.3 ShareholdersStockholders’ Approvals 39 Approval 33 6.4 Legal Conditions to Merger 40 34 6.5 NASDAQ Stock Exchange Listing 40 34 6.6 Employee Benefit Plans 40 34 6.7 Indemnification; Directors’ and Officers’ Insurance 42 36 6.8 Additional Agreements 43 37 6.9 Advice of Changes 43 37 6.10 Dividends 43 6.11 Corporate Governance 43 6.12 Acquisition Proposals 44 6.13 37 6.11 Public Announcements 45 6.14 Changes of Method 45 6.15 38 6.12 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 39 6.13 Exemption from Liability Under under Section 16(b) 46 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 4739 6.14 Bank Merger 39 6.15 No Control of Other Party’s Business 39 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 42 5.1 Conduct of Businesses Business of the Company Prior to the Effective Time 34 42 5.2 Forbearances 35 of the Company 42 5.3 Forbearances of Parent 46 ARTICLE VI ADDITIONAL AGREEMENTS 47 6.1 Regulatory Matters 37 47 6.2 Access to Information 38 48 6.3 Shareholders’ Approvals 39 SEC Filings and Shareholder Approval 49 6.4 Legal Conditions to Merger 40 Public Disclosure 50 6.5 NASDAQ Listing 40 6.6 Employee Benefit Plans 40 Matters 50 6.6 Additional Agreements 52 6.7 Indemnification; Directors’ and Officers’ Insurance 42 53 6.8 Additional Agreements 43 Exchange Listing 54 6.9 Advice No Solicitation 55 6.10 Notification of Changes 43 6.10 Dividends 43 Certain Matters 58 6.11 Corporate Governance 43 Matters 58 6.12 Acquisition Proposals 44 Advisory Board 59 6.13 Public Announcements 45 6.14 Changes of Method 45 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under Section 16(b) 46 59 6.14 Dividends 59 6.15 Takeover Laws and Provisions 60 6.16 Shareholder Litigation 60 6.17 Company Debt 60 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Restructuring Efforts 60

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of the Company Prior to the Effective Time 34 39 5.2 Company Forbearances 35 39 5.3 Parent Forbearances 42 -ii- ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 43 6.2 Access to Information 38 45 6.3 ShareholdersStockholders’ Approvals 39 46 6.4 Legal Conditions to Merger 40 47 6.5 NASDAQ Stock Exchange Listing 40 47 6.6 Employee Benefit Plans 40 47 6.7 Indemnification; Directors’ and Officers’ Insurance 42 49 6.8 Additional Agreements 43 51 6.9 Advice of Changes 43 51 6.10 Dividends 43 51 6.11 Corporate Governance 43 51 6.12 Acquisition Proposals 44 52 6.13 Public Announcements 45 53 6.14 Changes Change of Method 45 53 6.15 Restructuring Efforts 54 6.16 Takeover Strategies 45 6.16 Trust Preferred Securities 46 Statutes 54 6.17 Exemption from Liability Under Section 16(b) 46 54 6.18 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Assumption of Company Debt 54 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business Prior to the Effective Time 34 44 5.2 Company Forbearances 35 44 5.3 Parent Forbearances 48 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 49 6.2 Access to Information 38 51 6.3 Shareholders’ Approvals 39 Company Stockholder Approval 52 6.4 Parent Shareholder Approval 53 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 54 6.6 Stock Exchange Listing 40 6.6 54 6.7 Employee Benefit Plans 40 6.7 Matters 54 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 56 6.9 Additional Agreements 43 6.9 58 6.10 Advice of Changes 43 6.10 58 6.11 Dividends 43 6.11 Corporate Governance 43 58 6.12 Parent Board 58 6.13 Acquisition Proposals 44 6.13 59 6.14 Public Announcements 45 6.14 Changes 60 6.15 Change of Method 45 6.15 60 6.16 Restructuring Efforts 60 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 61 6.18 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 61 6.19 System Integration 46 Litigation and Claims 61 6.20 Coordination; Integration 47Assumption of Company Debt 62 6.21 No Control of Other Party’s Business 62 6.22 Company Bank Pre-Closing Dividend 62 6.23 Company Cooperation 62 6.24 Parent Cooperation 62

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business of the Company Prior to the Effective Time 34 37 5.2 Company Forbearances 35 37 5.3 Parent Forbearances 40 -ii- ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 41 6.2 Access to Information 38 44 6.3 Shareholders’ Stockholder Approvals 39 44 6.4 Legal Conditions to Merger 40 46 6.5 NASDAQ Stock Exchange Listing 40 46 6.6 Employee Benefit Plans 40 46 6.7 Indemnification; Directors’ and Officers’ Insurance 42 48 6.8 Additional Agreements 43 49 6.9 Advice of Changes 43 49 6.10 Dividends 43 50 6.11 Corporate Governance 43 50 6.12 Acquisition Proposals 44 50 6.13 Public Announcements 45 52 6.14 Changes of Method 45 Takeover Statutes 52 6.15 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Exemption from Liability Under Section 16(b) 46 52 6.16 Litigation and Claims 53 6.17 Assumption of the Company Debt 53 6.18 Certain Policies 46 Amendment of Parent Articles 53 6.19 System Integration 46 Bank Merger 53 6.20 Coordination; Integration 47No Control of Other Party’s Business 53 ARTICLE VII

Covenants Relating to Conduct of Business. 36 5.1 Conduct of Businesses Business Prior to the Effective Time 34 36 5.2 Company Forbearances 35 ARTICLE 36 5.3 Buyer Forbearances 40 Article VI ADDITIONAL AGREEMENTS 41 6.1 Regulatory Matters 37 41 6.2 Access to Information 38 43 6.3 Shareholders’ Approvals 39 Company Shareholder Approval 44 6.4 Legal Conditions to Merger 40 45 6.5 NASDAQ Listing 40 Employee Matters 45 6.6 Employee Benefit Plans 40 6.7 Indemnification; Directors’ and Officers’ Insurance 42 6.8 Additional Agreements 43 6.9 48 6.7 Advice of Changes 43 6.10 Dividends 43 6.11 Corporate Governance 43 6.12 49 6.8 Financial Statements and Other Current Information 50 6.9 Acquisition Proposals 44 6.13 50 6.10 Public Announcements 45 6.14 Changes 51 6.11 Change of Method 45 52 6.12 Certain Tax Matters 52 6.13 Classified Loans 52 6.14 Takeover Restrictions 52 6.15 Takeover Strategies 45 Litigation and Claims 52 6.16 Trust Preferred Securities 46 Assumption of Company Debt 53 6.17 Exemption from Liability Under Section 16(b) 46 Assumption of Company Split Dollar Insurance Agreements 53 6.18 Certain Policies 46 Coordination 53 6.19 System Integration 46 6.20 CoordinationStock Exchange Delisting; Integration 47Exchange Act Deregistration 54

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Business Prior to the Effective Time 34 43 5.2 FirstMerit Forbearances 35 43 5.3 Huntington Forbearances 47 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 48 6.2 Access to Information 38 51 6.3 Shareholders’ Approvals 39 FirstMerit Shareholder Approval 52 6.4 Huntington Shareholder Approval 53 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 53 6.6 Stock Exchange Listing 40 6.6 54 6.7 Employee Benefit Plans 40 6.7 Matters 54 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 56 6.9 Additional Agreements 43 6.9 57 6.10 Advice of Changes 43 6.10 57 6.11 Dividends 43 6.11 58 6.12 Corporate Governance 43 6.12 Governance; Commitments to the Community 58 6.13 Acquisition Proposals 44 6.13 59 6.14 Public Announcements 45 6.14 Changes 60 6.15 Change of Method 45 6.15 61 6.16 Restructuring Efforts 61 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 61 6.18 Exemption from Liability Under Section 16(b) 46 6.18 Certain Policies 46 61 6.19 System Integration 46 Litigation and Claims 62 6.20 Coordination; Integration 47Assumption of FirstMerit Debt 62 6.21 No Control of Other Party’s Business 62

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the Effective Time 34 46 5.2 Forbearances 35 of Atlantic Capital 46 5.3 Forbearances of South State 51 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 52 6.2 Access to Information 38 Information; Confidentiality 54 6.3 Non-Control 55 6.4 Shareholders’ Approvals 39 6.4 55 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 57 6.6 Stock Exchange Listing 40 6.6 57 6.7 Employee Benefit Plans 40 6.7 Matters 58 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 60 6.9 Additional Agreements 43 6.9 61 6.10 Advice of Changes 43 6.10 Dividends 43 61 6.11 Reserved 61 6.12 Shareholder Litigation 62 6.13 Corporate Governance 43 6.12 62 6.14 Acquisition Proposals 44 6.13 63 6.15 Public Announcements 45 6.14 Changes 64 6.16 Change of Method 45 6.15 64 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 65 6.18 Treatment of Atlantic Capital Indebtedness 65 6.19 Exemption from Liability Under Section 16(b) 46 6.18 65 6.20 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Tax Matters 65 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Businesses Prior to the Effective Time 34 46 5.2 Forbearances 35 of Atlantic Capital 46 5.3 Forbearances of South State 51 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 37 52 6.2 Access to Information 38 Information; Confidentiality 54 6.3 Non-Control. 54 6.4 Shareholders’ Approvals 39 6.4 55 6.5 Legal Conditions to Merger 40 6.5 NASDAQ 57 6.6 Stock Exchange Listing 40 6.6 57 6.7 Employee Benefit Plans 40 6.7 Matters 57 6.8 Indemnification; Directors’ and Officers’ Insurance 42 6.8 59 6.9 Additional Agreements 43 6.9 61 6.10 Advice of Changes 43 6.10 Dividends 43 61 6.11 Reserved 61 6.12 Shareholder Litigation 61 6.13 Corporate Governance 43 6.12 62 6.14 Acquisition Proposals 44 6.13 62 6.15 Public Announcements 45 6.14 Changes 64 6.16 Change of Method 45 6.15 64 6.17 Takeover Strategies 45 6.16 Trust Preferred Securities 46 6.17 Statutes 64 6.18 Treatment of Atlantic Capital Indebtedness 65 6.19 Exemption from Liability Under Section 16(b) 46 6.18 65 6.20 Certain Policies 46 6.19 System Integration 46 6.20 Coordination; Integration 47Tax Matters 65