Treasury Note Uses in DEFINITIONS Clause

DEFINITIONS from Deferred Compensation Agreement

THIS DEFERRED COMPENSATION AGREEMENT (this Agreement), adopted this 22nd day of JUNE, 2015, by and between Riverview Bank, located in Marysville, Pennsylvania (hereinafter referred to as the Employer), and Robert Garst (hereinafter referred to as the Executive), formalizes the agreements and understanding between the Employer and the Executive. The Employer is the wholly owned subsidiary of Riverview Financial Corporation (the Corporation).

DEFINITIONS. For the purpose of this Agreement, the following phrases or terms shall have the indicated meanings: 1.1 Accumulation Period Crediting Rate means the five (5) year rolling average of the 20-year Treasury rate for the immediately preceding five (5) Plan Years, plus three percent (3%). The minimum Accumulation Period Crediting Rate shall be four percent (4%). 1.2 Administrator means the Board or its designee. 1.3 Affiliate means any business entity with whom the Employer would be considered a single employer under Sections 414(b) and 414(c) of the Code. Such term shall be interpreted in a manner consistent with the definition of service recipient contained in Code Section 409A. 1.4 Base Salary means the Annual Base Salary amounts described in Article III of the Employment Agreement between the Employer and the Executive dated January 4, 2012, as amended. 1.5 Beneficiary means the person or persons designated in writing by the Executive to receive benefits hereunder in the event of the Executives death. 1.6 Benefit Payment Election Form means the form established from time to time by the Administrator that the Executive completes, signs and returns to the Administrator to designate the timing of the payment of the Deferrals. 1.7 Board means the Board of Directors of the Employer. 1.8 Bonus means the cash bonus, if any, awarded to the Executive for services performed during the Plan Year. 1.9 Cause means any of the following acts or circumstances: (i) the Executives willful failure to perform or to comply with any term or provision of the Executives employment agreement with the Employer, if any; (ii) the Executives willful failure to perform or to comply fully with any lawful directive of the Board or of any duly constituted committee thereof after written notice and a failure to cure within thirty (30) days of such notice; (iii) the Executives violation of the Employers EBO policy; or (iv) the Executives removal from office or permanent prohibition from participating in the conduct of the Employers affairs by a final order issued by an appropriate federal banking agency pursuant to Section 8(e) or 8(g) of the Federal Deposit Insurance Act or by the Comptroller of the Currency pursuant to national law. 1.10 Change in Control means a change in the ownership or effective control of the Employer or the Corporation, or in the ownership of a substantial portion of the assets of the Employer or the Corporation, in each case as such change is defined in Code Section 409A and the regulations thereunder. 1.11 Claimant means a person who believes that he or she is being denied a benefit to which he or she is entitled hereunder. 1.12 Code means the Internal Revenue Code of 1986, as amended. 1.13 Contribution means any discretionary contribution made by the Employer to the Deferral Account as described in Section 2.5. 1.14 Deferral Account means the Employers accounting of the accumulated Deferrals and Contributions plus accrued interest. 1.15 Deferral Election Form means each form established from time to time by the Administrator that the Executive completes, signs and returns to the Administrator to designate the amount of Deferrals. 1.16 Deferrals means the amount of Base Salary, Bonus or Performance-Based Compensation that the Executive elects to defer according to this Agreement. 1.17 Disability means a condition of the Executive whereby the Executive either: (i) is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than 12 (twelve) months, or (ii) is, by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less than 12 months, receiving income replacement benefits for a period of not less than three months under an accident and health plan covering employees of the Employer. The Administrator will determine whether the Executive has incurred a Disability based on its own good faith determination and may require the Executive to submit to reasonable physical and mental examinations for this purpose. The Executive will also be deemed to have incurred a Disability if determined to be totally disabled by the Social Security Administration or in accordance with a disability insurance program, provided that the definition of disability applied under such disability insurance program complies with the initial sentence of this Section. 1.18 Distribution Period Crediting Rate means the average yield on the 10-year Treasury Note during the month immediately preceding the commencement of benefit payments, plus two per cent (2%). The minimum Distribution Period Crediting Rate shall be four percent (4%). 1.19 Early Termination means Separation from Service before Normal Benefit Age except when such Separation from Service occurs within twenty-fou

Definitions from Performance Unit Award Agreement

THIS PERFORMANCE UNIT AWARD AGREEMENT (this "Agreement") is made, effective as of the [_______] (the "Grant Date"), between Symetra Financial Corporation (the "Company") and [________________] (the "Participant").

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below:"Annualized Return on Equity" means the Company's average annual return on equity over the Award Period (as defined below)."Earned Value" means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below)."Minimum Threshold" means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period."Modified Operating Income" means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year 'A' Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis."Modified Operating Return on Equity" means (a) Modified Operating Income divided by (b) the Company's GAAP Book Value as of the first business day of the applicable calendar year .

Definitions from Performance Unit Award Agreement

THIS PERFORMANCE UNIT AWARD AGREEMENT (this "Agreement") is made, effective as of the 5th day of March, 2014 (the "Grant Date"), between Symetra Financial Corporation (the "Company") and ______________________ (the "Participant").

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below:"Annualized Return on Equity" means the Company's average annual return on equity over the Award Period (as defined below)."Earned Value" means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below)."Minimum Threshold" means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period."Modified Operating Income" means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year 'A' Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis.DWT 23622927v1 0066217-000031"Modified Operating Return on Equity" means (a) Modified Operating Income divided by (b) the Company's GAAP Book Value as of the first business day of the applicable calendar year .

Definitions from Performance Unit Award Agreement

THIS PERFORMANCE UNIT AWARD AGREEMENT (this "Agreement") is made, effective as of the 5th day of March, 2014 (the "Grant Date"), between Symetra Financial Corporation (the "Company") and ______________________ (the "Participant").

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below:"Annualized Return on Equity" means the Company's average annual return on equity over the Award Period (as defined below)."Earned Value" means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below)."Minimum Threshold" means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period."Modified Operating Income" means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year 'A' Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis.DWT 23622927v1 0066217-000031"Modified Operating Return on Equity" means (a) Modified Operating Income divided by (b) the Company's GAAP Book Value as of the first business day of the applicable calendar year .

Definitions from Performance Unit Award Agreement

THIS PERFORMANCE UNIT AWARD AGREEMENT (this Agreement) is made, effective as of the 5th day of March, 2013 (the Grant Date), between Symetra Financial Corporation (the Company) and (the Participant).

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below: Annualized Return on Equity means the Companys average annual return on equity over the Award Period (as defined below). Earned Value means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below). Minimum Threshold means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period. Modified Operating Income means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year A Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis. Modified Operating Return on Equity means (a) Modified Operating Income divided by (b) the Companys GAAP Book Value as of the first business day of the applicable calendar year .

Definitions from Credit Agreement

THIS REIMBURSEMENT AND CREDIT AGREEMENT (this Agreement), made as of January 26, 2012 between SIR WINDSOR ON THE RIVER, LLC (the Borrower), a limited liability company organized and existing under the laws of the Delaware, and PNC BANK, NATIONAL ASSOCIATION (the Bank), a national banking association,

Definitions. The following terms shall have the meanings specified in this Article, unless the context otherwise requires: Affiliate means, as to any Person, any other Person which, directly or indirectly, is in control of, is controlled by, or is under common control with, such Person. Bank Bond means the Bonds purchased or deemed to be purchased or otherwise acquired with the proceeds of any Demand under the Letter of Credit during any period such Bonds are held by or on behalf of the Bank. Base Rate means, for any day, a fluctuating per annum rate of interest equal to the highest of (i) the Federal Funds Open Rate, plus 0.5%, and (ii) the Prime Rate, and (iii) the Daily LIBOR Rate, plus 100 basis points (1.0%). Any change in the Base Rate (or any component thereof) shall take effect at the opening of business on the day such change occurs. Beneficiary means the Trustee. Bond Documents shall have the meaning ascribed to such term in the Indenture. Borrower shall have the meaning specified in the preamble to this Agreement. Business Day means any day other than (i) a Saturday or Sunday, (ii) a day on which banking institutions in Philadelphia, Pennsylvania or in any other city where the corporate trust office of the Trustee responsible for the administration of the Indenture or the office of the Bank at which drafts are to be presented under the Letter of Credit is located are required or authorized by law (including executive order) to close or on which either such office is closed for a reason not related to financial condition, or (iii) a day on which the New York Stock Exchange is closed. Capital Expenditure means the purchase or lease of any assets which if purchased would constitute fixed assets or which if leased such lease would constitute a Capital Lease. Capital Lease means, at any time, a lease with respect to which the lessee is required to recognize the acquisition of an asset and the incurrence of a liability in accordance with GAAP. Code means the Internal Revenue Code of 1986, as amended, and the rules and regulations thereunder, including any amendments and successor provisions thereto. Commonly Controlled Entity means an entity, whether or not incorporated, which is under common control with the Borrower within the meaning of Section 4001 of ERISA or is part of a group which includes the Borrower and which is treated as a single employer under Section 414 of the Code. Compliance Certificate shall have the meaning ascribed to such term in Section 6.11(d). Contamination means the uncontained presence of Hazardous Substances at the site of the Facility, or arising from activities at the site of the Facility, which may require remediation under any applicable law. Credit Documents means this Agreement, the Letter of Credit, the Mortgage, the Security Agreement, the Repayment Guaranty, the Indemnity Agreement, the Hedging Agreements and the Bond Documents. Daily LIBOR Rate means, for any day, the rate per annum determined by the Bank by dividing (i) the Published Rate by (ii) a number equal to 1.00 minus the LIBOR Reserve Percentage on such day. Date of Issuance shall have the meaning ascribed to such term in Section 2.01. Debt Service Coverage Ratio means, for any specified period, the ratio of (i) Net Operating Income to (ii) Debt Service. Debt Service means, for any period, the greater of (i) the amount of principal and interest on the Bonds actually paid during such period, and (ii) the sum of all principal and interest payments that would be payable over such period with respect to the Bonds assuming mortgage-style amortization of a loan in the aggregate principal amount equal to the outstanding principal amount of the Bonds over 30 years at a rate equal to the higher of: (x) 2.00% over the yield to maturity of the most recent 10-year Treasury Note and (y) 6.00%. Default means an event which with the passage of time or giving of notice or both would constitute an Event of Default. Default Rate means a rate per annum equal to the Base Rate plus three percent (3.00%). Demand means any sight draft, electronic or telegraphic transmission or other written demand drawn or made, or purported to be drawn or made, under or in connection with the Letter of Credit. Environmental Laws means all environmental statues, ordinances, regulations, permits, orders and requirements of common law concerning (i) activities at the Facility, (ii) repairs or construction of any improvements at the Facility, (iii) handling of any materials at the Facility, (iv) discharges to the air, soil, surface water or ground water from the Facility, and (v) storage, treatment or disposal of any waste at or connected with any activity at the Facility. Equity Investment means the investment of cash and/or cash equivalents by Guarantor in the Borrower in an aggregate amount of not less than $9,500,000. ERISA means the Employee Retirement Income Security Act of 1974, as amended. Event of Default shall have the meaning ascribed to such term in

Definitions from Performance Unit Award Agreement

THIS PERFORMANCE UNIT AWARD AGREEMENT (this Agreement) is made, effective as of the __ day of ______, 20__ (the Grant Date), between Symetra Financial Corporation (the Company) and _________________________ (the Participant).

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below: Annualized Return on Equity means the Companys average annual return on equity over the Award Period (as defined below). Earned Value means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below). Minimum Threshold means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period. Modified Operating Income means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year A Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis. Modified Operating Return on Equity means (a) Modified Operating Income divided by (b) the Companys GAAP Book Value as of the first business day of the applicable calendar year.

Definitions from Performance Unit Award Agreement

THIS PERFORMANCE UNIT AWARD AGREEMENT (this Agreement) is made, effective as of the 18th day of February, 2011 (the Grant Date), between Symetra Financial Corporation (the Company) and Thomas M. Marra (the Participant).

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below: Annualized Return on Equity means the Companys average annual return on equity over the Award Period (as defined below). Earned Value means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below). Minimum Threshold means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period. Modified Operating Income means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year A Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis. Modified Operating Return on Equity means (a) Modified Operating Income divided by (b) the Companys GAAP Book Value as of the first business day of the applicable calendar year .

Definitions from Performance Unit Award Agreement

THIS AGREEMENT (this Agreement ) is made, effective as of the 4th day of March, 2010 (the Grant Date) , between Symetra Financial Corporation (the Company ) and [NAME] (the Participant ).

Definitions. Capitalized terms used but not defined in this Agreement have the meanings given to such terms in the Plan. As used in this Agreement, the following terms shall have the meanings set forth below: Annualized Return on Equity means the Companys average annual return on equity over the Award Period (as defined below). Earned Value means the product of (a) the Value of the Performance Units (as determined pursuant to Section 3 below) and (b) the Performance Percentage (as determined pursuant to Section 5 below). Minimum Threshold means the average daily yield on the 10 Year Treasury Note (as reported in the Bloomberg GT10 index) over the Award Period. Modified Operating Income means the total of (a) net income minus (b) realized gains/(losses) minus (c) hedge fund investment income plus (d) 30 Year A Bond investment income (as reported in the Bloomberg C00730 index) substituted for equities/hedge fund performance (valued quarterly), each as calculated on an after-tax basis. Modified Operating Return on Equity means (a) Modified Operating Income divided by (b) the Companys GAAP Book Value as of the first business day of the applicable calendar year.

Definitions from Grant Agreement

Definitions. The Average Annual Return will be expressed as an annual percentage (i.e., the average of the 2005, 2006 and 2007 calendar years) utilizing the sum of the following two numbers: (i) the average of the Common Share dividends paid or declared during each calendar year as a percentage of the closing price of a Share as of January 3, 2005 - the first business day in January, 2005 (i.e. $35.45); and (ii) the average percentage change in Funds from Operation as announced by the Trust (FFO) calculated for each calendar year per Share over the prior calendar year. In the event of a change in the Trusts calculation of FFO, the Trust shall calculate the percentage change in FFO on a consistent basis most favorable to the Participant. The Average T-Note Rate will be expressed as an annual percentage (i.e., the average of the 2005, 2006 and 2007 calendar years) utilizing the 10-year Treasury Note interest rate as of the first business day in January of each calendar year.