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

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Prior to the Effective Time 46 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 6.2 Access to Information 52 6.3 Shareholders’ Approvals 53 6.4 Legal Conditions to Merger 54 6.5 Stock Exchange Listing 54 6.6 Employee Matters 54 6.7 Indemnification; Directors’ and Officers’ Insurance 56 6.8 Additional Agreements 57 6.9 Advice of Changes 57 6.10 Corporate Governance 57 6.11 Acquisition Proposals 58 6.12 Public Announcements 59 6.13 Change of Method 59 6.14 Restructuring Efforts 59 6.15 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 47 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 47 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 51 6.2 Access to Information 52 Information; Confidentiality 53 6.3 Shareholders’ Stockholder Approvals 53 54 6.4 Legal Conditions to Merger 54 55 6.5 Stock Exchange Listing 54 55 6.6 Employee Matters 54 55 6.7 Indemnification; Directors’ and Officers’ Insurance 56 57 6.8 Additional Agreements 57 58 6.9 Advice of Changes 57 58 6.10 Dividends 58 6.11 Stockholder Litigation 59 6.12 Corporate Governance 57 6.11 59 6.13 Acquisition Proposals 58 6.12 60 6.14 Public Announcements 59 6.13 61 6.15 Change of Method 59 6.14 61 6.16 Restructuring Efforts 59 6.15 61 6.17 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 62 6.18 Treatment of Patriot TRUPS 60 6.18 Leases 60 Sterling Debt 62 6.19 Data Processing Contracts 60Exemption from Liability under Section 16(b) 62

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 45 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 ARTICLE 45 Article VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 49 6.2 Access to Information 52 Information; Confidentiality 50 6.3 Shareholders’ Stockholder Approvals 53 51 6.4 Legal Conditions to Merger 54 52 6.5 Stock Exchange Listing 54 52 6.6 Employee Matters 54 52 6.7 Indemnification; Directors’ and Officers’ Insurance 56 54 6.8 Additional Agreements 57 55 6.9 Advice of Changes 57 55 6.10 Dividends 55 6.11 Stockholder Litigation 56 6.12 Corporate Governance 57 6.11 56 6.13 Acquisition Proposals 58 6.12 57 6.14 Public Announcements 59 6.13 58 6.15 Change of Method 59 6.14 58 6.16 Restructuring Efforts 59 6.15 58 6.17 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 6.18 Treatment of Patriot TRUPS 60 6.18 Leases 60 Sterling Debt 59 6.19 Data Processing Contracts 60Exemption from Liability under Section 16(b) 59 Article VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 42 5.1 Conduct of Business of Patriot the Company Prior to the Effective Time 42 5.2 Forbearances of the Company 42 5.3 Forbearances of Parent 46 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 ARTICLE VI ADDITIONAL AGREEMENTS 47 6.1 Regulatory Matters 50 47 6.2 Access to Information 48 6.3 SEC Filings and Shareholder Approval 49 6.4 Public Disclosure 50 6.5 Employee Benefit Matters 50 6.6 Additional Agreements 52 6.3 Shareholders’ Approvals 53 6.4 Legal Conditions to Merger 54 6.5 Stock Exchange Listing 54 6.6 Employee Matters 54 6.7 Indemnification; Directors’ and Officers’ Insurance 56 53 6.8 Additional Agreements 57 Exchange Listing 54 6.9 Advice No Solicitation 55 6.10 Notification of Changes 57 6.10 Corporate Certain Matters 58 6.11 Governance 57 6.11 Acquisition Proposals Matters 58 6.12 Public Announcements Advisory Board 59 6.13 Change of Method Exemption from Liability Under Section 16(b) 59 6.14 Restructuring Efforts Dividends 59 6.15 Takeover Statutes 59 Laws and Provisions 60 6.16 Patriot Preferred Stock Shareholder Litigation 60 6.17 Assumption of Patriot TRUPS Company Debt 60 6.18 Leases 60 6.19 Data Processing Contracts Restructuring Efforts 60

Covenants Relating to Conduct of Business. 36 5.1 Conduct of Business of Patriot Prior to the Effective Time 46 36 5.2 Patriot Company Forbearances 46 36 5.3 Green Buyer Forbearances 49 5.4 Tax-free Reorganization 50 ARTICLE 40 Article VI ADDITIONAL AGREEMENTS 41 6.1 Regulatory Matters 50 41 6.2 Access to Information 52 43 6.3 Shareholders’ Approvals 53 Company Shareholder Approval 44 6.4 Legal Conditions to Merger 54 45 6.5 Stock Exchange Listing 54 6.6 Employee Matters 54 6.7 45 6.6 Indemnification; Directors’ and Officers’ Insurance 56 6.8 Additional Agreements 57 6.9 48 6.7 Advice of Changes 57 6.10 Corporate Governance 57 6.11 49 6.8 Financial Statements and Other Current Information 50 6.9 Acquisition Proposals 58 6.12 50 6.10 Public Announcements 59 6.13 51 6.11 Change of Method 59 52 6.12 Certain Tax Matters 52 6.13 Classified Loans 52 6.14 Restructuring Efforts 59 Takeover Restrictions 52 6.15 Takeover Statutes 59 Litigation and Claims 52 6.16 Patriot Preferred Stock 60 Assumption of Company Debt 53 6.17 Assumption of Patriot TRUPS 60 Company Split Dollar Insurance Agreements 53 6.18 Leases 60 Coordination 53 6.19 Data Processing Contracts 60Stock Exchange Delisting; Exchange Act Deregistration 54

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Prior to the Effective Time 46 50 5.2 Patriot Forbearances 46 50 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 No Control of Other Party 54 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 54 6.2 Access to Information 52 56 6.3 Shareholders’ Approvals 53 57 6.4 Legal Conditions to Merger 54 60 6.5 Stock Exchange Listing 54 60 6.6 Employee Matters 54 Benefit Plans 60 6.7 Indemnification; Directors’ and Officers’ Insurance 56 62 6.8 Additional Agreements 57 64 6.9 Advice of Changes 57 64 6.10 Corporate Governance 57 Dividends 64 6.11 Acquisition Proposals 58 64 6.12 Public Announcements 59 66 6.13 Change of Method 59 Section 16 Matters 66 6.14 Restructuring Efforts 59 Trust Preferred Securities 66 6.15 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Employment Agreements 67 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot NewBridge Prior to the Effective Time 46 42 5.2 Patriot NewBridge Forbearances 46 42 5.3 Green Yadkin Forbearances 49 45 5.4 Tax-free Reorganization 50 46 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 47 6.2 Access to Information 52 48 6.3 Shareholders’ Approvals 53 48 6.4 Legal Conditions to Merger 54 50 6.5 Stock Exchange Listing 54 50 6.6 Employee Matters 54 51 6.7 Indemnification; Directors’ and Officers’ Insurance 56 53 6.8 Additional Agreements 57 54 6.9 Advice of Changes 57 54 6.10 Dividends 54 6.11 Corporate Governance 57 6.11 54 6.12 Acquisition Proposals 58 6.12 55 6.13 Public Announcements 59 6.13 56 6.14 Change of Method 59 6.14 56 6.15 Restructuring Efforts 59 6.15 56 6.16 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 57 6.17 Exemption from Liability Under Section 16(b) 57 6.18 Assumption of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Trust Preferred Securities and Subordinated Debt 57

Covenants Relating to Conduct of Business. 50 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 50 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 51 ARTICLE VI ADDITIONAL AGREEMENTS 54 6.1 Regulatory Matters 50 54 6.2 Access to Information 52 Information; Confidentiality 56 6.3 Shareholders’ Approvals 53 57 6.4 Legal Conditions to Merger 54 59 6.5 Stock Exchange Listing 54 59 6.6 Employee Matters 54 59 6.7 Indemnification; Indemnification; Directors’ and Officers’ Insurance 56 63 6.8 Additional Agreements 57 63 6.9 Advice of Changes 57 64 6.10 Shareholder Litigation 64 6.11 Corporate Governance 57 6.11 64 6.12 Acquisition Proposals 58 6.12 66 6.13 Public Announcements 59 6.13 67 6.14 Change of Method 59 6.14 67 6.15 Restructuring Efforts 59 6.15 68 6.16 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Restrictions 68

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Xenith Prior to the Effective Time 46 5.2 Patriot Xenith Forbearances 46 5.3 Green Forbearances Conduct of Business of HRB Prior to the Effective Time 49 5.4 Tax-free Reorganization HRB Forbearances 50 5.5 No Control of the Other Party’s Business 53 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 53 6.2 Access to Information 52 54 6.3 Shareholders’ Approvals 53 55 6.4 Legal Conditions to Merger 54 56 6.5 Stock Exchange Listing 54 57 6.6 Employee Matters 54 Benefit Plans 57 6.7 Indemnification; Directors’ and Officers’ Insurance 56 58 6.8 Additional Agreements 57 59 6.9 Advice of Changes 57 59 6.10 Corporate Governance 57 Shareholder Litigation 60 6.11 Post-Merger Organizational Matters 60 6.12 Acquisition Proposals 58 6.12 60 6.13 Public Announcements 59 6.13 Change of Method 59 63 6.14 Restructuring Efforts 59 6.15 Takeover Statutes 59 63 6.15 Exemption from Liability Under Section 16(b) 64 6.16 Patriot Preferred Stock 60 6.17 Assumption of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Existing Indebtedness 64

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 5.2 Patriot Forbearances of Atlantic Capital 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 of South State 51 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 52 6.2 Access to Information 52 Information; Confidentiality 54 6.3 Non-Control 55 6.4 Shareholders’ Approvals 53 6.4 55 6.5 Legal Conditions to Merger 54 6.5 57 6.6 Stock Exchange Listing 54 6.6 57 6.7 Employee Matters 54 6.7 58 6.8 Indemnification; Directors’ and Officers’ Insurance 56 6.8 60 6.9 Additional Agreements 57 6.9 61 6.10 Advice of Changes 57 6.10 61 6.11 Reserved 61 6.12 Shareholder Litigation 62 6.13 Corporate Governance 57 6.11 62 6.14 Acquisition Proposals 58 6.12 63 6.15 Public Announcements 59 6.13 64 6.16 Change of Method 59 6.14 Restructuring Efforts 59 6.15 64 6.17 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 65 6.18 Treatment of Patriot TRUPS 60 6.18 Leases 60 Atlantic Capital Indebtedness 65 6.19 Data Processing Contracts 60Exemption from Liability Under Section 16(b) 65 6.20 Certain Tax Matters 65 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 55 5.2 Patriot Partners Forbearances 46 55 5.3 Green LINK Forbearances 49 5.4 Tax-free Reorganization 50 59 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 62 6.2 Access to Information 52 Information; Confidentiality 63 6.3 Shareholders’ Non-Control 64 6.4 Shareholder Approvals 53 6.4 64 6.5 Legal Conditions to Merger 54 6.5 66 6.6 Stock Exchange Listing 54 6.6 67 6.7 Employee Matters 54 6.7 67 6.8 Indemnification; Directors’ and Officers’ Insurance 56 6.8 70 6.9 Additional Agreements 57 6.9 71 6.10 Advice of Changes 57 6.10 71 6.11 Dividends 72 6.12 Litigation 72 6.13 Corporate Governance 57 6.11 72 6.14 Acquisition Proposals 58 6.12 73 6.15 Public Announcements 59 6.13 75 6.16 Change of Method 59 6.14 75 6.17 Restructuring Efforts 59 6.15 76 6.18 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 76 6.19 Treatment of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Partners Debt 76 6.20 Operating Functions 76 6.21 Exemption from Liability under Section 16(b) 76 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 56 5.2 Patriot FNCB Forbearances 46 56 5.3 Green PFIS Forbearances 49 60 5.4 Tax-free Reorganization 50 Capital of FNCB Bank 63 5.5 PFIS Bylaws Amendment 63 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 64 6.2 Access to Information 52 Information; Confidentiality 66 6.3 Shareholders’ Non-Control 66 6.4 Shareholder Approvals 53 6.4 67 6.5 Legal Conditions to Merger 54 6.5 69 6.6 Stock Exchange Listing 54 6.6 69 6.7 Employee Matters 54 6.7 69 6.8 Indemnification; Directors’ and Officers’ Insurance 56 6.8 73 6.9 Additional Agreements 57 6.9 74 6.10 Advice of Changes 57 6.10 74 6.11 Dividends 74 6.12 Litigation 75 6.13 Corporate Governance 57 6.11 75 6.14 Acquisition Proposals 58 6.12 76 6.15 Public Announcements 59 6.13 78 6.16 Change of Method 59 6.14 78 6.17 Restructuring Efforts 59 6.15 79 6.18 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 79 6.19 Treatment of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60FNCB Debt 79 6.20 Operating Functions 79 6.21 Exemption from Liability under Section 16(b) 80 6.22 Post Closing Actions 80 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot the Company Prior to the Effective Time 46 39 5.2 Patriot Company Forbearances 46 39 5.3 Green Parent Forbearances 49 5.4 Tax-free Reorganization 50 42 -ii- ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 43 6.2 Access to Information 52 45 6.3 ShareholdersStockholders’ Approvals 53 46 6.4 Legal Conditions to Merger 54 47 6.5 Stock Exchange Listing 54 47 6.6 Employee Matters 54 Benefit Plans 47 6.7 Indemnification; Directors’ and Officers’ Insurance 56 49 6.8 Additional Agreements 57 51 6.9 Advice of Changes 57 51 6.10 Dividends 51 6.11 Corporate Governance 57 6.11 51 6.12 Acquisition Proposals 58 6.12 52 6.13 Public Announcements 59 6.13 53 6.14 Change of Method 59 6.14 53 6.15 Restructuring Efforts 59 6.15 54 6.16 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 54 6.17 Exemption from Liability Under Section 16(b) 54 6.18 Assumption of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Company Debt 54 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 5.2 Patriot Forbearances of Atlantic Capital 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 of South State 51 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 52 6.2 Access to Information 52 Information; Confidentiality 54 6.3 Non-Control. 54 6.4 Shareholders’ Approvals 53 6.4 55 6.5 Legal Conditions to Merger 54 6.5 57 6.6 Stock Exchange Listing 54 6.6 57 6.7 Employee Matters 54 6.7 57 6.8 Indemnification; Directors’ and Officers’ Insurance 56 6.8 59 6.9 Additional Agreements 57 6.9 61 6.10 Advice of Changes 57 6.10 61 6.11 Reserved 61 6.12 Shareholder Litigation 61 6.13 Corporate Governance 57 6.11 62 6.14 Acquisition Proposals 58 6.12 62 6.15 Public Announcements 59 6.13 64 6.16 Change of Method 59 6.14 Restructuring Efforts 59 6.15 64 6.17 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 64 6.18 Treatment of Patriot TRUPS 60 6.18 Leases 60 Atlantic Capital Indebtedness 65 6.19 Data Processing Contracts 60Exemption from Liability Under Section 16(b) 65 6.20 Certain Tax Matters 65

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot the Company Prior to the Effective Time 46 37 5.2 Patriot Company Forbearances 46 38 5.3 Green Purchaser Forbearances 49 5.4 Tax-free Reorganization 50 41 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 41 6.2 Access to Information 52 43 6.3 Shareholders’ Approvals 53 Approval 45 6.4 Legal Conditions to Merger 54 46 6.5 Stock Exchange Listing 54 46 6.6 Employee Matters 54 Benefit Plans 46 6.7 Indemnification; Directors’ and Officers’ Insurance 56 49 6.8 Additional Agreements 57 50 6.9 Advice of Changes 57 51 6.10 Corporate Governance 57 Dividends 51 6.11 Acquisition Proposals 58 51 6.12 Public Announcements 59 52 6.13 Change of Method 59 [Reserved] 52 6.14 Restructuring Efforts 59 6.15 Takeover Statutes 59 52 6.15 Exemption from Liability under Section 16(b) 53 6.16 Patriot Preferred Stock 60 Bank Merger 53 6.17 Assumption No Control of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Other Party’s Business 53 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot the Company Prior to the Effective Time 46 28 5.2 Patriot Company Forbearances 46 28 5.3 Green Purchaser Forbearances 49 5.4 Tax-free Reorganization 50 30 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 30 6.2 Access to Information 52 32 6.3 ShareholdersStockholders’ Approvals 53 Approval 33 6.4 Legal Conditions to Merger 54 34 6.5 Stock Exchange Listing 54 34 6.6 Employee Matters 54 Benefit Plans 34 6.7 Indemnification; Directors’ and Officers’ Insurance 56 36 6.8 Additional Agreements 57 37 6.9 Advice of Changes 57 37 6.10 Corporate Governance 57 6.11 Acquisition Proposals 58 6.12 37 6.11 Public Announcements 59 6.13 Change of Method 59 6.14 Restructuring Efforts 59 6.15 38 6.12 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption 39 6.13 Exemption from Liability under Section 16(b) 39 6.14 Bank Merger 39 6.15 No Control of Patriot TRUPS 60 6.18 Leases 60 6.19 Data Processing Contracts 60Other Party’s Business 39 ARTICLE VII CONDITIONS PRECEDENT

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 44 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 44 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 47 6.2 Access to Information 52 48 6.3 ShareholdersStockholders’ Approvals 53 49 6.4 Legal Conditions to Merger 54 50 6.5 Stock Exchange Listing 54 50 6.6 Employee Matters 54 Benefit Plans 50 6.7 Indemnification; Directors’ and Officers’ Insurance 56 52 6.8 Additional Agreements 57 53 6.9 Advice of Changes 57 54 6.10 Dividends 54 6.11 Corporate Governance 57 6.11 54 6.12 Acquisition Proposals 58 6.12 55 6.13 Public Announcements 59 6.13 56 6.14 Change of Method 59 6.14 56 6.15 Restructuring Efforts 59 6.15 57 6.16 Takeover Statutes 59 6.16 Patriot 57 6.17 Trust Preferred Stock 60 6.17 Assumption of Patriot TRUPS 60 Securities 57 6.18 Leases 60 6.19 Data Processing Contracts 60Exemption from Liability Under Section 16(b) 57 ARTICLE VII

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot Businesses Prior to the Effective Time 46 34 5.2 Patriot Forbearances 46 5.3 Green Forbearances 49 5.4 Tax-free Reorganization 50 35 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 37 6.2 Access to Information 52 38 6.3 Shareholders’ Approvals 53 39 6.4 Legal Conditions to Merger 54 40 6.5 Stock Exchange NASDAQ Listing 54 40 6.6 Employee Matters 54 Benefit Plans 40 6.7 Indemnification; Directors’ and Officers’ Insurance 56 42 6.8 Additional Agreements 57 43 6.9 Advice of Changes 57 43 6.10 Dividends 43 6.11 Corporate Governance 57 6.11 43 6.12 Acquisition Proposals 58 6.12 44 6.13 Public Announcements 59 6.13 Change 45 6.14 Changes of Method 59 6.14 Restructuring Efforts 59 45 6.15 Takeover Statutes 59 Strategies 45 6.16 Patriot Trust Preferred Stock 60 Securities 46 6.17 Assumption of Patriot TRUPS 60 Exemption from Liability Under Section 16(b) 46 6.18 Leases 60 Certain Policies 46 6.19 Data Processing Contracts 60System Integration 46 6.20 Coordination; Integration 47

Covenants Relating to Conduct of Business. 5.1 Conduct of Business of Patriot the Company Prior to the Effective Time 46 38 5.2 Patriot Company Forbearances 46 38 5.3 Green Purchaser Forbearances 49 5.4 Tax-free Reorganization 50 41 ARTICLE VI ADDITIONAL AGREEMENTS 6.1 Regulatory Matters 50 42 6.2 Access to Information 52 44 6.3 ShareholdersStockholders’ Approvals 53 Approval 45 6.4 Legal Conditions to Merger 54 46 6.5 Stock Exchange Listing 54 46 6.6 Employee Matters 54 Benefit Plans 47 6.7 Indemnification; Directors’ and Officers’ Insurance 56 49 6.8 Additional Agreements 57 50 6.9 Dividends 50 6.10 Acquisition Proposals 51 6.11 Public Announcements 52 6.12 Change of Method 52 6.13 Takeover Statutes 53 6.14 Exemption from Liability under Section 16(b) 53 6.15 Advice of Changes 57 6.10 Corporate Governance 57 6.11 Acquisition Proposals 58 6.12 Public Announcements 59 6.13 Change 53 6.16 Litigation and Claims 54 6.17 DRIP 54 6.18 No Control of Method 59 6.14 Restructuring Efforts 59 6.15 Takeover Statutes 59 6.16 Patriot Preferred Stock 60 6.17 Assumption of Patriot TRUPS 60 6.18 Leases 60 Other Party’s Business 54 6.19 Data Processing Contracts 60Advisory Board 54