Common use of Section 15 Clause in Contracts

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26, 2002, between Uwharrie Capital Corp, a North Carolina corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired.....................................................48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26December 19, 2002, between Uwharrie Capital CorpMainSource Financial Group, a North Carolina Inc., an Indiana corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 ..................... 46 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 267, 20022000, between Uwharrie Capital CorpCommunity Financial Group, a North Carolina Inc., an Arkansas corporation (hereinafter sometimes called the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture debt securities trustee (hereinafter sometimes called the "Trustee").,

Section 15. 8. Subordination May Not Be Impaired ......................... 47 .....................................48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26July 31, 20022001, between Uwharrie Capital CorpU.S.B. Holding Co., Inc., a North Carolina Delaware corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").,

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired.....................................................46 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26February 22, 20022001, between Uwharrie Capital CorpBremer Financial Corporation, a North Carolina Minnesota corporation (the "Company"), and xxx State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture debentures trustee (the "Trustee").,

Section 15. 8. Subordination May Not Be Impaired ......................... Impaired. ..................................... 47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26, 2002, between Uwharrie Capital CorpAmericanWest Bancorporation, a North Carolina Washington corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired...................................................... 46 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26December 4, 2002, between Uwharrie Capital CorpProFinance Holdings Corporation, a North Carolina an Ohio corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired................49 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26December 4, 2002, between Uwharrie Capital CorpPenn-America Group, Inc., a North Carolina Pennsylvania corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... Impaired.....................................................47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September June 26, 2002, between Uwharrie Capital CorpECB Bancorp, Inc., a North Carolina corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... Impaired................................................. 47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26December 18, 20022001, between Uwharrie Capital CorpAlabama National BanCorporation, a North Carolina Delaware corporation (the "Company"), and State Street Bank ------- and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").. -------

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired.......................................48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September March 26, 2002, between Uwharrie Capital CorpNew South Bancshares, Inc., a North Carolina Delaware corporation (the "Company"), and State Street Bank and Trust ------- Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").. -------

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired.....................................................48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September June 26, 2002, between Uwharrie Capital CorpU.S.B. Holding Co., Inc., a North Carolina Delaware corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired...............................................49 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26December 4, 2002, between Uwharrie Capital CorpBancinsurance Corporation, a North Carolina an Ohio corporation (the "CompanyCOMPANY"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "TrusteeTRUSTEE").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired...........................48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September March 26, 2002, between Uwharrie Capital CorpNara Bancorp, Inc., a North Carolina Delaware corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... .................................................. 47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September June 26, 2002, between Uwharrie Capital CorpNorth Bay Bancorp, a North Carolina California corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... Impaired................................................................ 47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture Community Bancorp/Indenture/Floating Rate THIS INDENTURE, dated as of September 26, 2002, between Uwharrie Capital CorpCommunity Bancorp, a North Carolina Nevada corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... Impaired.....................................................47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture Center Bancorp, Inc./Indenture/Floating Rate THIS INDENTURE, dated as of September 26December 18, 20022001, between Uwharrie Capital CorpCenter Bancorp, Inc., a North Carolina New Jersey corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired...........................48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 26December 18, 20022001, between Uwharrie Capital CorpIntervest Bancshares Corporation, a North Carolina Delaware corporation (the "Company"), and State Street Bank and ------- Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").. -------

Section 15. 8. Subordination May Not Be Impaired ......................... Impaired.....................................................47 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September 267, 20022000, between Uwharrie Capital CorpFirst Community Bancorp, a North Carolina California corporation (hereinafter sometimes called the "CompanyCOMPANY"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture debt securities trustee (hereinafter sometimes called the "TrusteeTRUSTEE").,

Section 15. 8. Subordination May Not Be Impaired ......................... 47 Impaired.................................................. 48 Exhibit A Form of Junior Subordinated Deferrable Interest Debenture THIS INDENTURE, dated as of September March 26, 2002, between Uwharrie Commercial Capital CorpBancorp, Inc., a North Carolina Nevada corporation (the "Company"), and State Street Bank and Trust Company of Connecticut, National Association, a national banking association organized under the laws of the United States of America, as debenture trustee (the "Trustee").