The following aresome questions that you simply, as quizzes shareholder of South Street, may have concerning University merger agreement, University merger and University other mattersbeing considered at University particular meeting and University answers examination those questions. BNC and South Street urge you exam read moderately theremainder of this document because University guidance in this part does not provide all University counsel that is probably importantto you with respect exam University merger and University other matters being even handed at University precise assembly. Additional important informationis also contained in University appendices examination this document. A: BNC and South Streethave agreed examination University merger of South Street with and into BNC, pursuant exam University terms of University merger contract this is defined inthis document. A copy of University merger contract is hooked up examination this proxy observation/prospectus as Appendix A. Home Savings Bankwill be merged with and into University Bank once doable following University merger.