Extract to table

By accepting delivery of this Offering Memorandum, each prospective investor agrees to be bound by the foregoing restrictions and to maintain the confidentiality of the information contained herein

If given or made, such information or representations must not be relied upon as having been authorized by BRB or any of the Initial Purchasers

Such stabilizing, if commenced, may be discontinued at any time and must be brought to an end after a limited period in accordance with Regulation M under the Securities Exchange Act of 1934, as amended

Neither the delivery of this Offering Memorandum nor any sale made hereunder shall, under any circumstances, create any implication that there has been no change in the affairs of BRB since such date

Under these requirements, BRB must maintain minimum levels of capital measured as a percentage of its risk-weighted assets and total assets

To qualify as Tier 2 capital, subordinated debt instruments must satisfy certain criteria, including, among others: (i) the instrument must be issued and paid in for cash; (ii) the instrument must be subordinated to depositors and general creditors of the bank; (iii) the instrument must not be secured, guaranteed by the bank or an affiliate, or subject to any other arrangement that enhances the seniority of the claim; (iv) the instrument must have a minimum original maturity of at least five years; (v) the instrument must not include any terms that require accelerated payment of principal (other than as a result of bankruptcy, insolvency, or receivership); and (vi) the instrument must be callable by the bank only after a minimum of five years from the date of issuance, and only with prior OCC approval