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

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 36 11.1 Corporate Existence and Authority 36 11.2 Third Party Consent 36 11.3 Execution and Enforceability 36 11.4 Compliance with Law 36 I1.5 Insured or Guaranteed Loans 37 11.6 Representations Remain True 37 11.7 No Reliance; Independent Advice 37 ARTICLE XII INDEMNIFICATION 37 12.1 Indemnification oflndemnitees 37 12.2 Conditions Precedent to Indemnification 40 12.3 No Additional Warranty 41 12.4 Indemnification of Receiver and Corporation 41 12.5 Obligations Supplemental 42 12.6 Criminal Claims 42 12.7 Limited Guaranty of the Corporation 42 12.8 Subrogation 42 ARTICLE XIII. MISCELLANEOUS 42 13.1 Expenses 42 13.2 Waiver of J ury Trial 43 13.3 Consent; Determination or Discretion 43 Texas Connnuni1yBank, Naiionnl Associ:llion The Woodlands.TX 13.4 Rights Cumulative .................................................. 43 13.11 Modification 45 13.5 References .............................................................. 43 13.12 Manner of Payment 45 13.6 Notice...................................................................... 43 13.1 3 Waiver 45 13.7 Entire Agreement.................................................... 44 13.14 Severability 45 13.8 Counterparts...... ...................................................... 44 13.15 Term of Agreement 45 13.9 Governing Law ....................................................... 44 13.16 Survival of Covenants, Etc 46 13.10 Successors 45 SCHEDULES Excluded Deposit Liability Accounts ................................................................................................ Schedule 2.l(a) 48 Purchase Price of Assets or any other assets.......................................................................................... Schedule 3.2 49 Excluded Securities............................................................................................................................ Schedule 3.5(1) 51 Excluded Other Real Estate and Subsidiaries ................................................................................. Schedule 3 .5(m) 52 Bank Premises in Underserved Areas ............................................................................................... Schedule 4. l(b) 53 Data Retention Catalog.......................................................................................................................... Schedule 6.3 54 Accounts Excluded from Calculation of Deposit Franchise Bid Premium............................................... Schedule 7 56 EXHIBITS Final Legal Notice.................................................................................................................................. Exhibit 2.3A 60 Affidavit of Mailing............................................................................................................................... Exhibit 2.3B 62 63 Valuation of Certain Qualified Financial Contracts Exhibit 3 .2(c) Interim Asset Servicing Arrangement..................................................................................................... Exhibit 4. 13 65 Whole Bnnk Version 5.4P- PURCHASE AND ASSUMPTION AGREEMENT II Texas Community Bank. National Association The Woodlands. TX PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS THIS AGREEMENT, made and entered into as of the 1 3th day of December, 20 1 3, by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER of TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION, THE WOODLANDS, TEXAS (the "Receiver"), SPIRIT OF TEXAS BANK, SSB, organized under the l aws of the State of Texas, and having its principal place of business in College Station, Texas (the "Assuming Institution"), and the FEDERAL DEPOSIT INSURANCE CORPORATION, organized under the laws of the United States of America and having its principal office in Washington, D.C., acting in its corporate capacity (the "Corporation").

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 36 37 11.1 Corporate Existence and Authority 36 37 11.2 Third Party Consent 36 37 11.3 Execution and Enforceability 36 37 11.4 Compliance with Law 36 I1.5 37 11.5 Insured or Guaranteed Loans 37 11.6 Representations Remain True 37 38 11.7 No Reliance; Independent Advice 37 38 ARTICLE XII XII. INDEMNIFICATION 37 38 12.1 Indemnification oflndemnitees 37 of Indemnitees 38 12.2 Conditions Precedent to Indemnification 40 41 12.3 No Additional Warranty 41 12.4 Indemnification of Receiver and Corporation 41 42 12.5 Obligations Supplemental 42 12.6 Criminal Claims 42 12.7 Limited Guaranty of the Corporation 42 12.8 Subrogation 42 43 ARTICLE XIII. MISCELLANEOUS 42 43 13.1 Expenses 42 43 13.2 Waiver of J ury Jury Trial 43 13.3 Consent; Determination or Discretion 43 Texas Connnuni1yBank, Naiionnl Associ:llion The Woodlands.TX 13.4 Rights Cumulative .................................................. 43 13.5 References 43 13.6 Notice 44 13.7 Entire Agreement 45 13.8 Counterparts 45 13.9 Governing Law 45 13.10 Successors 45 13.11 Modification 45 13.5 References .............................................................. 43 46 13.12 Manner of Payment 45 13.6 Notice...................................................................... 43 13.1 3 46 13.13 Waiver 45 13.7 Entire Agreement.................................................... 44 46 13.14 Severability 45 13.8 Counterparts...... ...................................................... 44 46 13.15 Term of Agreement 45 13.9 Governing Law ....................................................... 44 46 13.16 Survival of Covenants, Etc 46 13.10 Successors 45 13.17 Right of Receiver or Corporation to Audit 46 SCHEDULES Page Excluded Deposit Liability Accounts ................................................................................................ ................................................................................................Schedule 2.l(a2.1(a) 48 Purchase Price of Assets or any other assets.......................................................................................... Acquired Assets......................................................................................................... Schedule 3.2 49 Excluded SecuritiesSecurities ............................................................................................................................ Schedule 3.5(13.5(l) 51 Excluded Other Real Estate and Excluded Other Real Estate Subsidiaries ................................................................................. ..................................... Schedule 3 .5(m3.5(m) 52 Full Service Bank Premises………………………………………………………………………… Schedule 4.1(a) 53 Bank Premises in Underserved Areas ............................................................................................... Schedule 4. l(b4.1(b) 53 54 Data Retention CatalogCatalog .......................................................................................................................... Schedule 6.3 54 55 Accounts Excluded from Calculation of Deposit Franchise Bid PremiumPremium ............................................... Schedule 7 56 57 EXHIBITS Page Final Legal Notice.................................................................................................................................. Exhibit 2.3A 60 Affidavit of MailingMailing ............................................................................................................................... Exhibit 2.3B 62 63 Valuation of Certain Qualified Financial Contracts ..............................................................................Exhibit 3 .2(c3.2(c) 63 Interim Asset Servicing ArrangementArrangement ..................................................................................................... Exhibit 4. 13 4.13 65 Whole Bnnk Version 5.4P- PURCHASE AND ASSUMPTION AGREEMENT II Texas Community Bank. National Association The Woodlands. TX PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS THIS AGREEMENT, made and entered into as of the 1 3th 5th day of DecemberMay, 20 1 32017, by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER of TEXAS COMMUNITY GUARANTY BANK, NATIONAL ASSOCIATIONMilawukee, THE WOODLANDS, TEXAS Wisconsin (the "“Receiver"”), SPIRIT OF TEXAS BANK, SSBFIRST-CITIZENS BANK & TRUST COMPANY, organized under the l aws laws of the State of TexasNorth Carolina, and having its principal place of business in College StationRaleigh, Texas North Carolina (the "“Assuming Institution"”), and the FEDERAL DEPOSIT INSURANCE CORPORATION, organized under the laws of the United States of America and having its principal office in Washington, D.C., acting in its corporate capacity (the "“Corporation"”).

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 36 11.1 Corporate Existence and Authority 36 11.2 Third Party Consent 36 11.3 Execution and Enforceability 36 11.4 Compliance with Law 36 I1.5 Insured or Guaranteed Loans 37 11.6 Representations Remain True 37 11.7 No Reliance; Independent Advice 37 ARTICLE XII INDEMNIFICATION 37 12.1 Indemnification oflndemnitees 37 12.2 Conditions Precedent to Indemnification 40 12.3 No Additional Warranty 41 12.4 Indemnification of Receiver and Corporation 41 12.5 Obligations Supplemental 42 12.6 Criminal Claims 42 12.7 Limited Guaranty of the Corporation 42 12.8 Subrogation 42 ARTICLE XIII. MISCELLANEOUS 42 13.1 Expenses 42 13.2 Waiver of J ury Trial 43 13.3 Consent; Determination or Discretion 43 Texas Connnuni1yBank, Naiionnl Associ:llion The Woodlands.TX 13.4 Rights Cumulative .................................................. 43 13.11 Modification 45 13.5 References .............................................................. 43 13.12 Manner of Payment 45 13.6 Notice...................................................................... 43 13.1 3 Waiver 45 13.7 Entire Agreement.................................................... 44 13.14 Severability 45 13.8 Counterparts...... ...................................................... ............................... ............................. 44 13.15 Term of Agreement 45 13.9 Governing Law ....................................................... 44 13.16 Survival of Covenants, Etc 46 13.10 Successors 45 SCHEDULES Excluded Deposit Liability Accounts ................................................................................................ Schedule 2.l(a) 48 Purchase Price of Assets or any other assets.......................................................................................... Schedule 3.2 49 Excluded Securities............................................................................................................................ Schedule 3.5(1) 51 Excluded Other Real Estate and Subsidiaries ................................................................................. Schedule 3 .5(m) 52 Bank Premises in Underserved Areas ............................................................................................... Schedule 4. l(b) 53 Data Retention Catalog.......................................................................................................................... Schedule 6.3 54 Accounts Excluded from Calculation of Deposit Franchise Bid Premium............................................... Schedule 7 56 EXHIBITS Final Legal Notice.................................................................................................................................. Exhibit 2.3A 60 Affidavit of Mailing............................................................................................................................... Exhibit 2.3B 62 63 Valuation of Certain Qualified Financial Contracts Exhibit 3 .2(c) Interim Asset Servicing Arrangement..................................................................................................... Exhibit 4. 13 65 Whole Bnnk Version 5.4P- PURCHASE AND ASSUMPTION AGREEMENT II Texas Community Bank. National Association The Woodlands. TX PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS THIS AGREEMENT, made and entered into as of the 1 3th day of December, 20 1 3, by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER of TEXAS COMMUNITY BANK, NATIONAL ASSOCIATION, THE WOODLANDS, TEXAS (the "Receiver"), SPIRIT OF TEXAS BANK, SSB, organized under the l aws of the State of Texas, and having its principal place of business in College Station, Texas (the "Assuming Institution"), and the FEDERAL DEPOSIT INSURANCE CORPORATION, organized under the laws of the United States of America and having its principal office in Washington, D.C., acting in its corporate capacity (the "Corporation").

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 36 32 11.1 Corporate Existence and Authority 36 32 11.2 Third Party Consent 36 33 11.3 Execution and Enforceability 36 33 11.4 Compliance with Law 36 I1.5 33 11.5 Insured or Guaranteed Loans 37 33 11.6 Representations Remain True 37 34 11.7 No Reliance; Independent Advice 37 34 ARTICLE XII INDEMNIFICATION 37 34 12.1 Indemnification oflndemnitees 37 of Indemnitees 34 12.2 Conditions Precedent to Indemnification 40 37 12.3 No Additional Warranty 41 38 12.4 Indemnification of Receiver and Corporation 41 38 12.5 Obligations Supplemental 42 38 12.6 Criminal Claims 42 38 12.7 Limited Guaranty of the Corporation 42 39 12.8 Subrogation 42 39 ARTICLE XIII. MISCELLANEOUS 42 39 13.1 Expenses 42 39 13.2 Waiver of J ury Jury Trial 43 39 13.3 Consent; Determination or Discretion 43 Texas Connnuni1yBank, Naiionnl Associ:llion The Woodlands.TX 39 13.4 Rights Cumulative .................................................. 43 39 13.5 References ..............................................................39 13.11 Modification 45 13.5 References .............................................................. 43 41 13.6 Notice......................................................................40 13.12 Manner of Payment 45 13.6 Notice...................................................................... 43 13.1 3 Waiver 45 41 13.7 Entire Agreement.................................................... 44 ....................................................40 13.13 Waiver 41 13.8 Counterparts............................................................41 13.14 Severability 45 13.8 Counterparts...... ...................................................... 44 41 13.9 Governing Law .......................................................41 13.15 Term of Agreement 45 13.9 Governing Law ....................................................... 44 41 13.10 Successors...............................................................41 13.16 Survival of Covenants, Etc 46 13.10 Successors 45 Etc. 42 SCHEDULES Page Excluded Deposit Liability Accounts ................................................................................................ ................................................................................................Schedule 2.l(a2.1(a) 48 44 Purchase Price of Assets or any other assets.......................................................................................... Schedule 3.2 49 45 Excluded Securities............................................................................................................................ Schedule 3.5(13.5(l) 51 Excluded Other Real Estate and Subsidiaries ................................................................................. Schedule 3 .5(m) 52 Bank Premises in Underserved Areas ............................................................................................... Schedule 4. l(b) 53 47 Data Retention CatalogCatalog .......................................................................................................................... Schedule 6.3 54 48 Accounts Excluded from Calculation of Deposit Franchise Bid PremiumPremium ............................................... Schedule 7 56 50 EXHIBITS Page Final Legal Notice.................................................................................................................................. Exhibit 2.3A 60 53 Affidavit of MailingMailing ............................................................................................................................... Exhibit 2.3B 62 63 55 Valuation of Certain Qualified Financial Contracts Contracts..............................................................................Exhibit 3 .2(c3.2(c) 56 Interim Asset Servicing Arrangement..................................................................................................... Exhibit 4. 13 65 Whole Bnnk Version 5.4P- PURCHASE AND ASSUMPTION AGREEMENT II Texas Community Bank. National Association The Woodlands. TX 4.13 58 Single Family Shared-Loss Agreement................................................................................................ Exhibit 4.15A 62 Commercial Shared-Loss Agreement .................................................................................................. Exhibit 4.15B 80 PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS THIS AGREEMENT, made and entered into as of the 1 3th 14th day of DecemberJanuary, 20 1 32011, by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER of TEXAS COMMUNITY OGLETHORPE BANK, NATIONAL ASSOCIATIONBRUNSWICK, THE WOODLANDS, TEXAS GEORGIA (the "“Receiver"”), SPIRIT BANK OF TEXAS BANK, SSBTHE OZARKS, organized under the l aws laws of the State of Texas, Arkansas and having its principal place of business in College StationLittle Rock, Texas Arkansas (the "“Assuming Institution"”), and the FEDERAL DEPOSIT INSURANCE CORPORATION, organized under the laws of the United States of America and having its principal office in Washington, D.C., acting in its corporate capacity (the "“Corporation"”).

REPRESENTATIONS AND WARRANTIES OF THE ASSUMING INSTITUTION. 36 11.1 Corporate Existence and Authority 36 11.2 Third Party Consent 36 37 11.3 Execution and Enforceability 36 37 11.4 Compliance with Law 36 I1.5 37 11.5 Insured or Guaranteed Loans 37 11.6 Representations Remain True 37 11.7 No Reliance; Independent Advice 37 38 ARTICLE XII XII. INDEMNIFICATION 37 38 12.1 Indemnification oflndemnitees 37 of Indemnitees 38 12.2 Conditions Precedent to Indemnification 40 12.3 No Additional Warranty 41 12.4 Indemnification of Receiver and Corporation 41 12.5 Obligations Supplemental 42 12.6 Criminal Claims 42 12.7 Limited Guaranty of the Corporation 42 12.8 Subrogation 42 43 ARTICLE XIII. MISCELLANEOUS 42 43 13.1 Expenses 42 43 13.2 Waiver of J ury Jury Trial 43 13.3 Consent; Determination or Discretion 43 Texas Connnuni1yBank, Naiionnl Associ:llion The Woodlands.TX 13.4 Rights Cumulative .................................................. 43 13.5 References 43 13.6 Notice 43 13.7 Entire Agreement 44 13.8 Counterparts 44 13.9 Governing Law 44 13.10 Successors 45 13.11 Modification 45 13.5 References .............................................................. 43 13.12 Manner of Payment 45 13.6 Notice...................................................................... 43 13.1 3 13.13 Waiver 45 13.7 Entire Agreement.................................................... 44 13.14 Severability 45 13.8 Counterparts...... ...................................................... 44 13.15 Term of Agreement 45 13.9 Governing Law ....................................................... 44 13.16 Survival of Covenants, Etc 46 13.10 Successors 45 13.17 Right of Receiver or Corporation to Audit 46 SCHEDULES Page Excluded Deposit Liability Accounts ................................................................................................ ................................................................................................Schedule 2.l(a2.1(a) 48 Purchase Price of Assets or any other assets.......................................................................................... Acquired Assets......................................................................................................... Schedule 3.2 49 Excluded SecuritiesSecurities ............................................................................................................................ Schedule 3.5(13.5(l) 51 Excluded Other Real Estate and Subsidiaries ................................................................................. Schedule 3 .5(m) 52 Bank Premises in Underserved Areas ............................................................................................... Schedule 4. l(b4.1(b) 53 52 Data Retention CatalogCatalog .......................................................................................................................... Schedule 6.3 54 53 Accounts Excluded from Calculation of Deposit Franchise Bid PremiumPremium ............................................... Schedule 7 56 55 EXHIBITS Page Final Legal Notice.................................................................................................................................. Exhibit 2.3A 60 57 Affidavit of MailingMailing ............................................................................................................................... Exhibit 2.3B 62 63 59 Valuation of Certain Qualified Financial Contracts ..............................................................................Exhibit 3 .2(c3.2(c) 60 Interim Asset Servicing ArrangementArrangement ..................................................................................................... Exhibit 4. 13 65 Whole Bnnk Version 5.4P- PURCHASE AND ASSUMPTION AGREEMENT II Texas Community Bank. National Association The Woodlands. TX 4.13 62 PURCHASE AND ASSUMPTION AGREEMENT WHOLE BANK ALL DEPOSITS THIS AGREEMENT, made and entered into as of the 1 3th 13th day of DecemberOctober, 20 1 32017, by and among the FEDERAL DEPOSIT INSURANCE CORPORATION, RECEIVER of TEXAS COMMUNITY BANKTHE FARMERS AND MERCHANTS STATE BANK OF ARGONIA, NATIONAL ASSOCIATIONARGONIA, THE WOODLANDS, TEXAS KANSAS (the "“Receiver"”), SPIRIT OF TEXAS XXXXXX BANK, SSB, organized under the l aws laws of the State of TexasKansas, and having its principal place of business in College StationConway, Texas Kansas (the "“Assuming Institution"”), and the FEDERAL DEPOSIT INSURANCE CORPORATION, organized under the laws of the United States of America and having its principal office in Washington, D.C., acting in its corporate capacity (the "“Corporation"”).