Common use of REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION Clause in Contracts

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 11.1 Corporate Existence and Authority 33 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 32 11.1 Corporate Existence and Authority 33 32 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 38 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 39 11.1 Corporate Existence and Authority 33 39 11.2 Third Party Consent 33 39 11.3 Execution and Enforceability 33 39 11.4 Compliance with Law 33 40 11.5 Insured or Guaranteed Loans 33 40 11.6 Representations Remain True 34 40 11.7 No Reliance; Independent Advice 34 40 ARTICLE XII XII. INDEMNIFICATION 34 41 12.1 Indemnification of Indemnitees 34 41 12.2 Conditions Precedent to Indemnification 37 43 12.3 No Additional Warranty 38 44 12.4 Indemnification of Receiver and Corporation 38 44 12.5 Obligations Supplemental 38 45 12.6 Criminal Claims 39 45 12.7 Limited Guaranty of the Corporation 39 45 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3946

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 32 11.1 Corporate Existence and Authority 33 32 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 38 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 32 11.1 Corporate Existence and Authority 33 32 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 33 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 37 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 38 12.7 Limited Guaranty of the Corporation 39 38 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 39 11.1 Corporate Existence and Authority 33 39 11.2 Third Party Consent 33 39 11.3 Execution and Enforceability 33 39 11.4 Compliance with Law 33 39 11.5 Insured or Guaranteed Loans 33 40 11.6 Representations Remain True 34 40 11.7 No Reliance; Independent Advice 34 40 ARTICLE XII XII. INDEMNIFICATION 34 41 12.1 Indemnification of Indemnitees 34 41 12.2 Conditions Precedent to Indemnification 37 43 12.3 No Additional Warranty 38 44 12.4 Indemnification of Receiver and Corporation 38 44 12.5 Obligations Supplemental 38 45 12.6 Criminal Claims 39 45 12.7 Limited Guaranty of the Corporation 39 45 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3946

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 36 11.1 Corporate Existence and Authority 33 36 11.2 Third Party Consent 33 36 11.3 Execution and Enforceability 33 36 11.4 Compliance with Law 33 36 11.5 Insured or Guaranteed Loans 33 37 11.6 Representations Remain True 34 37 11.7 No Reliance; Independent Advice 34 37 ARTICLE XII XII. INDEMNIFICATION 34 37 12.1 Indemnification of Indemnitees 34 37 12.2 Conditions Precedent to Indemnification 37 40 12.3 No Additional Warranty 38 41 12.4 Indemnification of Receiver and Corporation 38 41 12.5 Obligations Supplemental 38 41 12.6 Criminal Claims 39 42 12.7 Limited Guaranty of the Corporation 39 42 12.8 Subrogation 39 42 ARTICLE XIII. MISCELLANEOUS 3942 13.1 Expenses 42 13.2 Waiver of Jury Trial 42 13.3 Consent; Determination or Discretion 43

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 36 11.1 Corporate Existence and Authority 33 36 11.2 Third Party Consent 33 37 11.3 Execution and Enforceability 33 37 11.4 Compliance with Law 33 37 11.5 Insured or Guaranteed Loans 33 37 11.6 Representations Remain True 34 37 11.7 No Reliance; Independent Advice 34 38 ARTICLE XII INDEMNIFICATION 34 38 12.1 Indemnification of Indemnitees 34 38 12.2 Conditions Precedent to Indemnification 37 41 12.3 No Additional Warranty 38 41 12.4 Indemnification of Receiver and Corporation 38 42 12.5 Obligations Supplemental 38 42 12.6 Criminal Claims 39 42 12.7 Limited Guaranty of the Corporation 39 42 12.8 Subrogation 39 43 ARTICLE XIII. MISCELLANEOUS 3943 13.1 Expenses 43

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 34 11.1 Corporate Existence and Authority 33 34 11.2 Third Party Consent 33 34 11.3 Execution and Enforceability 33 34 11.4 Compliance with Law 33 34 11.5 Insured or Guaranteed Loans 33 35 11.6 Representations Remain True 34 35 11.7 No Reliance; Independent Advice 34 35 ARTICLE XII INDEMNIFICATION 34 36 12.1 Indemnification of Indemnitees 34 36 12.2 Conditions Precedent to Indemnification 37 38 12.3 No Additional Warranty 38 39 12.4 Indemnification of Receiver and Corporation 38 39 12.5 Obligations Supplemental 38 40 12.6 Criminal Claims 39 40 12.7 Limited Guaranty of the Corporation 39 40 12.8 Subrogation 39 41 ARTICLE XIII. MISCELLANEOUS 3941 13.1 Expenses 41 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Version 3.2 — Purchase and Assumption Agreement July 15, 0000 Xxxxx Xxxxx Xxxx Xxxxxxxx, XX i

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 11.1 Corporate Existence and Authority 33 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3939 13.1 Expenses 39 Module 1 — Whole Bank w/ Optional Shared Loss Agreements Integra Bank Version 3.1.1 — Purchase and Assumption Agreement Evansville, IN July 26, 2011

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 34 11.1 Corporate Existence and Authority 33 34 11.2 Third Party Consent 33 35 11.3 Execution and Enforceability 33 35 11.4 Compliance with Law 33 35 11.5 Insured or Guaranteed Loans 33 35 11.6 Representations Remain True 34 35 11.7 No Reliance; Independent Advice 34 36 ARTICLE XII INDEMNIFICATION 34 36 12.1 Indemnification of Indemnitees 34 36 12.2 Conditions Precedent to Indemnification 37 39 12.3 No Additional Warranty 38 39 12.4 Indemnification of Receiver and Corporation 38 40 12.5 Obligations Supplemental 38 40 12.6 Criminal Claims 39 40 12.7 Limited Guaranty of the Corporation 39 40 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3941

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 36 11.1 Corporate Existence and Authority 33 36 11.2 Third Party Consent 33 36 11.3 Execution and Enforceability 33 36 11.4 Compliance with Law 33 36 11.5 Insured or Guaranteed Loans 33 37 11.6 Representations Remain True 34 37 11.7 No Reliance; Independent Advice 34 37 ARTICLE XII INDEMNIFICATION 34 37 12.1 Indemnification of Indemnitees 34 37 12.2 Conditions Precedent to Indemnification 37 40 12.3 No Additional Warranty 38 41 12.4 Indemnification of Receiver and Corporation 38 41 12.5 Obligations Supplemental 38 42 12.6 Criminal Claims 39 42 12.7 Limited Guaranty of the Corporation 39 42 12.8 Subrogation 39 42 ARTICLE XIII. MISCELLANEOUS 3942 13.1 Expenses 42 Whole Bank w/ Optional Shared Loss Agreements Carolina Federal Savings Bank

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 11.1 Corporate Existence and Authority 33 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 34 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 39 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 37 11.1 Corporate Existence and Authority 33 37 11.2 Third Party Consent 33 37 11.3 Execution and Enforceability 33 37 11.4 Compliance with Law 33 37 11.5 Insured or Guaranteed Loans 33 37 11.6 Representations Remain True 34 38 11.7 No Reliance; Independent Advice 34 38 ARTICLE XII XII. INDEMNIFICATION 34 38 12.1 Indemnification of Indemnitees 34 38 12.2 Conditions Precedent to Indemnification 37 41 12.3 No Additional Warranty 38 42 12.4 Indemnification of Receiver and Corporation 38 42 12.5 Obligations Supplemental 38 42 12.6 Criminal Claims 39 42 12.7 Limited Guaranty of the Corporation 39 43 12.8 Subrogation 39 43 ARTICLE XIII. MISCELLANEOUS 3943 13.1 Expenses 43 13.2 Waiver of Jury Trial 43 13.3 Consent; Determination or Discretion 43

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 36 11.1 Corporate Existence and Authority 33 36 11.2 Third Party Consent 33 36 11.3 Execution and Enforceability 33 36 11.4 Compliance with Law 33 37 11.5 Insured or Guaranteed Loans 33 37 11.6 Representations Remain True 34 37 11.7 No Reliance; Independent Advice 34 37 ARTICLE XII INDEMNIFICATION 34 37 12.1 Indemnification of Indemnitees 34 37 12.2 Conditions Precedent to Indemnification 37 40 12.3 No Additional Warranty 38 41 12.4 Indemnification of Receiver and Corporation 38 41 12.5 Obligations Supplemental 38 42 12.6 Criminal Claims 39 42 12.7 Limited Guaranty of the Corporation 39 42 12.8 Subrogation 39 42 ARTICLE XIII. MISCELLANEOUS 3942 13.1 Expenses 42 13.2 Waiver of Jury Trial 43 13.3 Consent; Determination or Discretion 43 13.4 Rights Cumulative 43

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 39 11.1 Corporate Existence and Authority 33 39 11.2 Third Party Consent 33 39 11.3 Execution and Enforceability 33 39 11.4 Compliance with Law 33 40 11.5 Insured or Guaranteed Loans 33 40 11.6 Representations Remain True 34 40 11.7 No Reliance; Independent Advice 34 41 ARTICLE XII XII. INDEMNIFICATION 34 41 12.1 Indemnification of Indemnitees 34 41 12.2 Conditions Precedent to Indemnification 37 44 12.3 No Additional Warranty 38 44 12.4 Indemnification of Receiver and Corporation 38 45 12.5 Obligations Supplemental 38 45 12.6 Criminal Claims 39 45 12.7 Limited Guaranty of the Corporation 39 45 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3946

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 39 11.1 Corporate Existence and Authority 33 39 11.2 Third Party Consent 33 40 11.3 Execution and Enforceability 33 40 11.4 Compliance with Law 33 40 11.5 Insured or Guaranteed Loans 33 40 11.6 Representations Remain True 34 40 11.7 No Reliance; Independent Advice 34 41 ARTICLE XII XII. INDEMNIFICATION 34 41 12.1 Indemnification of Indemnitees 34 41 12.2 Conditions Precedent to Indemnification 37 44 12.3 No Additional Warranty 38 44 12.4 Indemnification of Receiver and Corporation 38 45 12.5 Obligations Supplemental 38 45 12.6 Criminal Claims 39 45 12.7 Limited Guaranty of the Corporation 39 45 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3946

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 11.1 Corporate Existence and Authority 33 11.2 Third Party Consent Consents 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 11.1 Corporate Existence and Authority 33 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 34 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 39 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 3939 13.1 Expenses 39 Module 1 – Whole Bank w/ Optional Shared Loss Agreements i Summit Bank Version 3.1.1 – PURCHASE AND ASSUMPTION AGREEMENT Burlington, Washington April 27, 2011

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 33 11.1 Corporate Existence and Authority 33 11.2 Third Party Consent 33 11.3 Execution and Enforceability 33 11.4 Compliance with Law 33 11.5 Insured or Guaranteed Loans 33 11.6 Representations Remain True 34 11.7 No Reliance; Independent Advice 34 ARTICLE XII XII. INDEMNIFICATION 34 12.1 Indemnification of Indemnitees 34 12.2 Conditions Precedent to Indemnification 37 12.3 No Additional Warranty 38 12.4 Indemnification of Receiver and Corporation 38 12.5 Obligations Supplemental 38 12.6 Criminal Claims 39 12.7 Limited Guaranty of the Corporation 39 12.8 Subrogation 39 ARTICLE XIII. MISCELLANEOUS 39 13.1 Expenses 39