Extract to table

"Interest Payment Date" means, during the Fixed Rate Period, each March 1 and September 1, commencing September 1, 2026, and, during the Floating Rate Period, each March 1, June 1, September 1 and December 1, commencing June 1, 2031; provided that interest accrued through but excluding the Reset Date shall be payable on March 1, 2031

"Issuer" means Belmont Ridge Bank, National Association, until a successor Person shall have become such pursuant to the applicable provisions of this Indenture, and thereafter "Issuer" shall mean such successor Person

To the extent any provision of this Indenture refers to provisions or principles derived from the Trust Indenture Act, such references shall be deemed to incorporate those provisions or principles as contractual terms and not as a requirement of qualification under the Trust Indenture Act

the words "include," "includes" and "including" shall be deemed to be followed by the phrase "without limitation"; 7

headings in this Indenture are for convenience of reference only and shall not affect interpretation; 9

01 — Form and Dating The Notes and the Trustee's certificate of authentication shall be substantially in the form of Exhibit A attached hereto