Exhibit 6.5

TAX SHARING AGREEMENT

By and Between

Infinity Bancorp

and

Infinity Bank

Infinity Bancorp, a California corporation (“Bancorp”), and Infinity Bank, a California banking corporation (“Bank”) which is owned 100% by Bancorp, hereby enter into this Tax Sharing Agreement (this “Agreement”) effective as of October 21, 2022, pursuant to which tax liabilities or refunds will be allocated properly between Bancorp and Bank. Bancorp and Bank are collectively referred to herein as “the parties” or “the members” and individually as “a party” or “a member”.

NOW, THEREFORE, for valuable consideration, the receipt and sufficiency of which is hereby acknowledged by the parties, and in consideration of the promises and of the mutual covenants and agreements hereinafter set forth, the parties agree as follows:

ARTICLE I

DEFINITIONS

Unless otherwise indicated, the following terms shall, for the purposes of this Agreement, be defined as follows:

1.1 Affiliated Group shall have the meaning set forth in paragraph 2.1(b) of this Agreement.

1.2 Tax Code shall mean the Internal Revenue Code of 1986, as amended.

1.3 Independent Public Accountant shall mean the firm of registered independent public accounting firm as may from time to time be retained by Bancorp.

ARTICLE II

TAX SHARING

2.1 Federal Income Tax

(a)            It is the desire and intent of the parties to this Agreement to establish a method for allocating the consolidated tax liability of each member among the Affiliated Group (hereinafter defined), for reimbursing each member for payment of such tax liability, for compensating members of the Affiliated Group (as defined in paragraph 2.1(b)) for use of their losses, tax credits or tax deferred treatment, and to provide for the allocation and payment of any refunds arising from a carry back of losses, tax credits or tax deferred treatment from subsequent taxable years.

(b)            For purposes of this Article II, the term “Affiliated Group” shall have the meaning assigned to it in Tax Code Section 1504(a) and shall include all members of the group included in the filing of Bancorp’s consolidated tax return for federal income tax purposes. Bancorp and Bank are the initial members of the Affiliated Group. In the event additional corporations become members of the Affiliated Group, the parties to this Agreement shall use their best efforts to include such corporations as parties to this Agreement.

(c)            A U.S. consolidated income tax return will be filed by Bancorp for each taxable year for which this Agreement is in effect and for which members of the Affiliated Group are required or permitted to file a consolidated tax return. The members of the Affiliated Group shall execute and file such consents, elections and other documents that may be required or appropriate for the proper filing of such returns.

(d)            For each taxable period, members of the Affiliated Group shall compute their separate tax liability as if they had filed a separate tax return. The separate return tax liability of the members of the Affiliated Group shall be computed in a manner consistent with the provisions of Treasury Regulation Section 1.1552-1 (a)(2)(H), provided that the carryover of any tax attribute from a prior taxable year, which is not available in determining the consolidated tax liability of the Affiliated Group for such taxable period, shall be disregarded. Moreover, the parties agree to reimburse any member which has tax losses or credits in an amount equal to 100% of the tax benefits realized by the other members of the Affiliated Group as a result of the utilization by them of such member’s tax losses, credits or deferred tax treatment. It is the intent of the members of the Affiliated Group that the tax liability will be allocated in accordance with the “percentage method” of Section 1.1502-33(d)(3) of the Treasury Regulations and that the percentage referred to in Section 1.1502-33(d)(3)(i) shall be 100%. Bancorp is authorized to elect the “percentage method” in accordance with the procedures specified in Section 1.1502-33(d)(5) of the Treasury Regulations. The reconciliation and settlement of annual tax liabilities will occur promptly (within 30 calendar days) after the corporate income tax returns have been filed.

(e)            Payment of the consolidated tax liability for a taxable period shall include the payment of estimated tax installments due for such taxable period and members of the Affiliated Group shall promptly pay to Bancorp their estimated tax payments as computed in paragraph 2.1(d) upon receiving notice of such payments from Bancorp, but in no event later than the close of business on the date that is immediately prior to the due date for each estimated tax payment. Upon receipt of the estimated tax payment by the members of the Affiliated Group, Bancorp will make the tax payment pursuant to the Treasury Regulations. Overpayments of estimated tax by members of the Affiliated Group as determined by Bancorp shall be refunded promptly to the appropriate members of the Affiliated Group.

(f)            If part or all of an unused loss, tax credit or deferred tax treatment is allocated to a member of the Affiliated Group pursuant to Treasury Regulation Section 1.1502-79, and is carried back or forward to a year in which the Affiliated Group member filed a separate return or a consolidated return with another affiliated group, any refund or reduction in tax liability arising from the carry back or carry forward shall be retained by the subject Affiliated Group member. Notwithstanding the above, Bancorp shall determine whether an election shall be made not to carry back part or all of a consolidated net operating loss for any taxable year in accordance with Section 172(b)(3) of the Tax Code.

(g)            In calculating any carry-back or carryover of net operating losses, adjustments shall be made to such prior or subsequent year’s separate company tax liability as determined under Section 172(b)(2) of the Tax Code. For purposes of this calculation, the election under Section 172(b)(3) shall be made on a separate company basis.

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The parties agree that it is their express intent that this Agreement shall at all times be construed in a manner consistent with any law or regulation applicable to any member as now or hereafter in effect. Anything to the contrary herein notwithstanding, (1) Bancorp shall not pay to any member an amount greater than the tax which member of the Affiliated Group would have been required to pay had it filed a separate tax return, taking maximum advantage of available reductions in taxable income; (2) any payments made pursuant to paragraphs 2.1(e), (f) and (g) of this Agreement shall be made only with reference to the time taxes are actually paid or refunds or credits are actually received, it being understood that Bancorp shall at no time make advance payments with respect to the foregoing to any member, and (3) any funds (i) received by Bancorp from any member for the payment by Bancorp of taxes or (ii) received by Bancorp from any taxing authority by reason of any refund, credit or overpayment and properly allocable to another member, shall at all times be held by Bancorp in a segregated account solely as agent for such member and shall at no time be commingled with any other funds held by Bancorp.

2.2            Certain State Taxes. For each taxable period, members of the Affiliated Group shall compute their separate state tax liability. The separate return state tax liability of the members of the Affiliated Group shall be computed in a manner consistent with the relevant state law provisions. After the computation of their state tax liability, members of the Affiliated Group shall promptly pay to Bancorp their estimated tax payments, but in no event later than the due date for each estimated tax payment. Upon receipt of the estimated tax payment by the members of the Affiliated Group, Bancorp will make the tax payment pursuant to the relevant state taxing authorities. Overpayments of estimated tax by members of the Affiliated Group, as determined by Bancorp, shall be refunded promptly to the appropriate members of the Affiliated Group. If the state tax return is reviewed by a state taxing authority and adjustments are made which will either increase or decrease the tax previously reported and paid, the Affiliated Group members affected by such adjustments shall pay all costs or receive all benefits from such adjustment.

2.3            Other Taxes. The other Affiliated Group members may from time to time become subject to additional taxes by federal, state or local authorities. In such event the members of the Affiliated Group shall consult with each other to determine a mutually acceptable form of allocation or apportionment of such taxes.

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2.4            Procedural Matters.

(a) Bancorp shall prepare and file consolidated returns, and any other returns, documents or statements required to be filed with the Internal Revenue Service or any other relevant taxing authority with respect to the determination of the tax liability of Bancorp and the Affiliated Group members for all taxable periods commencing with the tax period applicable as of the date of the execution of this Agreement. Bancorp shall have the right, in its sole discretion: ( to determine (A) the manner in which such returns shall be prepared and filed, including, without limitation, the manner in which any item of income, gain, loss, deduction or credit shall be reported; provided, however, that Bancorp shall consider in good faith any treatment proposed by the Affiliated Group members, (B) whether any extensions of the statute of limitations may be granted and (C) the elections that will be made pursuant to the Tax Code (or applicable state tax laws) on behalf of any member of the consolidated group (it being agreed, however, that Bancorp shall not unreasonably withhold its consent to any elections that members of the Affiliated Group desire to make); (ii) to contest, compromise or settle any adjustment or deficiency proposed, asserted or assessed as a result of any audit of any such returns; (iii) to file, prosecute, compromise or settle any claim for refund; and (iv) to determine whether any refunds to which the consolidated group may be entitled shall be paid by way of refund or credited against the tax liability of the consolidated group.

(b)            Bancorp, to the extent such information is available, shall promptly notify the members of the Affiliated Group of any tax liability or refund issue, and shall advise and consult in good faith with such members with respect to contest, compromise or settlement thereof.

(c)            In the event of any disagreement as to the method of, or principles followed in, the computation, or as to the amount of income, deduction, gain, loss or credit, the parties shall submit the dispute to the Independent Public Accountant and the determination of such firm shall be conclusive and binding.

2.5           Cooperation.

(a)            At all times during which this Agreement is in force, the parties shall make available to each other during normal business hours and in a manner which will not interfere with the other party’s business, its tax, accounting and legal staff to the extent reasonably required in connection with the preparation of tax returns and other tax matters.

(b)            In the event of the termination of this Agreement, the parties will use their best efforts to make available to the others, upon written request, its officers and employees in connection with any tax proceedings.

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ARTICLE III

AGENCY RELATIONSHIP

BETWEEN BANCORP AND BANK

3.1            Bancorp is Agent for Bank

Bancorp is an agent for Bank and any other subsidiaries of Bancorp and/or Bank (collectively referred to as the “Affiliates”) with respect to all matters related to consolidated tax returns and refund claims, and nothing in this Agreement shall be construed to alter or modify this agency relationship. If Bancorp receives a tax refund from a taxing authority, these funds are obtained as agent for the Affiliates. Any tax refund attributable to income earned, taxes paid, and losses incurred by the Affiliates is the property of and owned by the Affiliates, and shall be held in trust by Bancorp for the benefit of the Affiliates. Bancorp shall forward promptly the amounts held in trust to the Affiliates. Nothing in this Agreement is intended to be or should be construed to provide Bancorp with an ownership interest in a tax refund that is attributable to income earned, taxes paid, and losses incurred by the Affiliates. Bancorp hereby agrees that this Tax Sharing Agreement does not give it an ownership interest in a tax refund generated by the tax attributes of the Affiliates.

The language of this paragraph 3.1 is intended to acknowledge that an agency relationship exists for purposes of the Interagency Policy Statement on Income Tax Allocation in a Holding Company Structure issued as of November 23, 1998 (the “Policy Statement”), the Addendum to the Policy Statement dated May 15, 2014 (the “Addendum”), and Sections 23A and 23B of the Federal Reserve Act, and to comply with the requirements of the Policy Statement, the Addendum and Sections 23A and 23B of the Federal Reserve Act.

ARTICLE IV

MISCELLANEOUS

4.1            Entire Agreement. This Agreement contains the entire understanding of the parties hereto with respect to the subject matter contained herein. No alteration, amendment or modification of any of the terms of this Agreement shall be valid unless made by an instrument signed by an authorized officer of the parties hereto.

4.2            Governing Law. This Agreement has been made in and shall be construed and enforced in accordance with the laws of the State of California, as such laws may from time to time be amended or revised.

4.3            Headings. The headings contained in this Agreement are inserted for convenience only and shall not constitute a part hereof.

4.4            Notices. Any notice, demand, claim or other communication under this Agreement shall be in writing and shall be deemed to have been given upon the delivery or mailing thereof, as the case may be, if delivered personally or sent by certified mail, return receipt requested, postage prepaid, to the parties at the following addresses (or at such other address as a party may specify by notice to the others):

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If to Bancorp, to:	Infinity Bancorp
	6 Hutton Centre Drive, Suite 100
	Santa Ana, CA 92707
	Attn: President/Chief Operating Officer
If to Bank, to	Infinity Bank
	6 Hutton Centre Drive, Suite 100
	Santa Ana, CA 92707
	Attn: Executive Vice President/
	Chief Financial Officer

4.5            No Assignment or Subcontracting. This Agreement is not assignable in whole or in part by the parties without the other parties’ prior written consent. Any attempted assignment without such consent will be null and void.

4.6            Successors. Subject to the restrictions on assignment set forth above, this Agreement shall be binding upon and shall inure to the benefit of the parties and their respective successors and assigns.

4.7            Authority. The parties represent and warrant that they have the full right, power and authority to enter into and perform this Agreement in accordance with its terms and that the execution and delivery of this Agreement have been duly authorized by proper corporate action.

4.8            Severability. If any provision of this Agreement is determined to be illegal, unenforceable or void, this Agreement shall be construed as if not containing that provision, and the rest of the Agreement shall remain in full force and effect. If any provision of this Agreement or any other agreement incorporating this Agreement is determined to violate Federal Reserve Act Section 23A or 23B, the Tax Code, Federal Laws or Regulations, and/or California State Laws, the parties agree to amend the provision, nunc pro tunc, in a manner which brings it into compliance with the law, regulation or Tax Code.

4.9            No Third Party Beneficiaries. Nothing in this Agreement shall be construed to confer any right or benefit on any person who is not a party to this Agreement.

[The next page is the signature page.]

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IN WITNESS WHEREOF, each affiliate has caused its name to be subscribed and executed by their respective authorized officer on the dates indicated, effective as of the date first set forth above.

Bancorp:		Bank:
Infinity Bancorp		Infinity Bank
By:	/s/ Victor E. Guerrero	By:	/s/ Allison Duncan
	Victor E. Guerrero		Allison Duncan
	President/Chief Operating Officer		Executive Vice President/Chief Financial Officer

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