exhibit 10. 4 securities purchase agreement standard terms table of contents page 1. 1 1. 2 1. 3 2. 1 2. 2 3. 1 3. 2 3. 3 3. 4 3. 5 4. 1 4. 2 4. 3 4. 4 4. 5 4. 6 4. 7 4. 8 4. 9 4. 10 5. 1 5. 2 5. 3 5. 4 5. 5 5. 6 5. 7 5. 8 5. 9 5. 10 index of defined terms term location of definition location of definition affiliate agreement appraisal procedure appropriate federal banking agency bankruptcy exceptions benefit plans board of directors business combination business day capitalization date certificate of designations charter closing closing date code common stock company company financial statements company material adverse effect company reports company subsidiary ; company subsidiaries control ; controlled by ; under common control with controlled group cpp eesa erisa exchange act fair market value gaap governmental entities holder holders ’ counsel indemnitee information initial warrant shares investor junior stock knowledge of the company ; company ’ s knowledge last fiscal year letter agreement officers term location of definition location of definition parity stock pending underwritten offering permitted repurchases piggyback registration plan preferred shares preferred stock previously disclosed proprietary rights purchase purchase price purchased securities qualified equity offering register ; registered ; registration registrable securities registration expenses regulatory agreement rule 144 ; rule 144a ; rule 159 ; rule 405 ; rule 415 schedules sec securities act selling expenses senior executive officers share dilution amount shelf registration statement signing date special registration stockholder proposals subsidiary tax ; taxes transfer warrant warrant shares securities purchase agreement – standard terms recitals : whereas, the united states department of the treasury ( the “ investor ” ) may from time to time agree to purchase shares of preferred stock and warrants from eligible financial institutions which elect to participate in the troubled asset relief program capital purchase program ( “ cpp ” ) ; whereas, an eligible financial institution electing to participate in the cpp and issue securities to the investor ( referred to herein as the “ company ” ) shall enter into a letter agreement ( the “ letter agreement ” ) with the investor which incorporates this securities purchase agreement – standard terms ; whereas, the company agrees to expand the flow of credit to u. s. consumers and businesses on competitive terms to promote the sustained growth and vitality of the u. s. economy ; whereas, the company agrees to work diligently, under existing programs, to modify the terms of residential mortgage