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CARDIOL THERAPEUTICS INC. - and - COMPUTERSHARE TRUST COMPANY OF CANADA WARRANT INDENTURE November 5 , 2021 TABLE OF CONTENTS ARTICLE 1 INTERPRETATION 6 1.1 Definitions 6 1.2 Words Importing the Singular 11 1.3 Interpret

Key Takeaway: CARDIOL THERAPEUTICS INC. COMPUTERSHARE TRUST COMPANY OF CANADA ARTICLE 1 INTERPRETATION 6 1.1 Definitions 6 1.2 Words Importing the Singular 11 1.3 Interpretation not Affected by Headings 11 1.4 Day not a Business Day 11 1.5 Time of the Essence 11 1.6 Governing Law

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CARDIOL THERAPEUTICS INC.
COMPUTERSHARE TRUST COMPANY OF CANADA
ARTICLE 1 INTERPRETATION 6
1.1 Definitions 6
1.2 Words Importing the Singular 11
1.3 Interpretation not Affected by Headings 11
1.4 Day not a Business Day 11
1.5 Time of the Essence 11
1.6 Governing Law 11
1.7 Meaning of "outstanding" for Certain Purposes 11
1.8 Currency 12
1.9 Termination 12
1.10 Calculations 12
ARTICLE 2 APPOINTMENT OF WARRANT AGENT 12
2.1 Appointment of Warrant Agent 12
ARTICLE 3 ISSUE OF WARRANTS 12
3.1 Issue of Warrants 12
3.2 Form and Terms of Warrants 13
3.3 Signing of Warrant Certificates 14
3.4 Authentication or Certification by the Warrant Agent 14
3.5 Warrantholder not a Shareholder,etc. 15
3.6 Warrants to Rank Pari Passu. 15
3.7 Issue in Substitution for Lost Warrant Certificates 15
3.8 Warrant Agency, Registration and Transfer of Warrants 16
3.9 Registers Open for Inspection 17
3.10 Exchange of Warrant Certificates 17
3.11 Ownership of Warrants 17
3.12 Book-Based System Warrants 18
3.13 Adjustment of Number of Common Shares and Exercise Price. 20
3.14 Rules Regarding Calculation of Adjustment of Exchange Basis For the purposes of Section 3.13: 24
3.15 Postponement of Subscription 25
3.16 Notice of Adjustment 26
3.17 No Action after Notice 27
3.18 Optional Purchases by the Corporation 27
3.19 Protection of Warrant Agent 27
ARTICLE 4 EXERCISE OF WARRANTS 28
4.1 Method of Exercise of Warrants 28
4.2 Cashless Exercise 30
4.3 No Fractional Warrant Shares 31
4.4 Effect of Exercise of Warrants 31
4.5 Cancellation of Warrants 32
4.6 Subscription for less than Entitlement 33
4.7 Expiration of Warrant 33
4.8 U.S. Securities Law Matters 33
4.9 Securities Restrictions 35
ARTICLE 5 COVENANTS 37
5.1 General Covenants of the Corporation 37
5.2 Securities Qualification Requirements 38
5.3 Warrant Agent's Remuneration and Expenses 38
5.4 Performance of Covenants by Warrant Agent 39
ARTICLE 6 ENFORCEMENT 39
6.1 Suits by Warrantholders 39
6.2 Suits by the Corporation 39
6.3 Limitation of Liability 39
ARTICLE 7 MEETINGS OF WARRANTHOLDERS 40
7.1 Right to Convene Meetings 40
7.2 Notice 40
7.3 Chairman 40
7.4 Quorum 40
7.5 Power to Adjourn 41
7.6 Show of Hands 41
7.7 Poll and Voting 41
7.8 Regulations 41
7.9 Corporation, Warrant Agent and Counsel may be Represented 42
7.10 Powers Exercisable by Extraordinary Resolution 42
7.11 Meaning of "Extraordinary Resolution" 43
7.12 Powers Cumulative 44
7.13 Minutes 44
7.14 Instruments in Writing 45
7.15 Binding Effect of Resolutions 45
7.16 Holdings by the Corporation or Subsidiaries of the Corporation Disregarded 45
ARTICLE 8 SUPPLEMENTAL INDENTURES AND SUCCESSOR COMPANIES 45
8.1 Provision for Supplemental Indentures for Certain Purposes 45
8.2 Successor Companies 46
ARTICLE 9 CONCERNING THE WARRANT AGENT 47
9.1 Indenture Legislation 47
9.2 Rights and Duties of Warrant Agent 47
9.3 Evidence, Experts and Advisers 48
9.4 Securities, Documents and Monies Held by Warrant Agent 50
9.5 Actions by Warrant Agent to Protect Interests 50
9.6 Warrant Agent not Required to Give Security 50
9.7 Protection of Warrant Agent 51
9.8 Replacement of Warrant Agent 53
9.9 Acceptance of Duties and Obligations 54
9.10 Warrant Agent not to be Appointed Receiver 54
9.11 Authorization to Carry on Business 54
9.12 Securities Exchange Commission Certification 54
ARTICLE 10 GENERAL 54
10.1 Notice to the Corporation and the Warrant Agent 54
10.2 Notice to the Warrantholders 56
10.3 Privacy 56
10.4 Third Party Interests 57
10.5 Discretion of Directors 57
10.6 Satisfaction and Discharge of Indenture 57
10.7 Provisions of Indenture and Warrants for the Sole Benefit of Parties and Warrantholders 57
10.8 Ownership of Warrants 58
10.9 Indenture to Prevail 58
10.10 Assignment 58
10.11 Counterparts and Formal Date 58
10.12 Force Majeure 58
10.13 Severability 59
10.14 Rights of Rescission and Withdrawal for Holders 59
WARRANT INDENTURE dated as of November 5, 2021
a corporation incorporated under the laws of Ontario
(hereinafter called the "Corporation")
TRUST COMPANY OF CANADA
a trust company continued under the laws of Canada and registered to carry on business in each of Provinces of Canada
(hereinafter called the "Warrant
THEREFORE THIS INDENTURE WITNESSES that for good and valuable consideration mutually given and received, the receipt and sufficiency
of which are hereby acknowledged, it is hereby agreed and declared as follows:
In this Indenture, unless there is something
in the subject matter or context inconsistent therewith:
"Alternate Consideration"
has the meaning ascribed to that term in Section 3.13(4);
"Applicable Legislation" means
the provisions of the statutes of Canada and its provinces and the regulations under those statutes relating to warrant indentures and/or
the rights, duties or obligations of issuers and warrant agents under warrant indentures as are from time to time in force and applicable
"Approved Bank" has the meaning
ascribed to that term in Section 9.4;
"Attribution Parties" has
the meaning ascribed to that term in Section 4.9;
"Authenticated" means with
respect to the issuance of an Uncertificated Warrant, that all Internal Procedures required to be completed by the Warrant Agent have
been so completed such that the particulars of such Uncertificated Warrant are entered in the register of Warrantholders, and "Authenticate",
"Authenticating" and "Authentication" have the appropriate correlative meanings;
"Beneficial Owner" means a
person that has a beneficial interest in a Warrant;
"Beneficial Ownership Limitation"
has the meaning ascribed to that term in Section 4.9;
"Black Scholes Value" has
the meaning ascribed to that term in Section 3.13(4);
"Bloomberg" has the meaning
ascribed to that term in Section 3.13(4);
"Book-Based System" means
the book-based securities system administered by a Depository in accordance with its operating rules and procedures in force from
"Business Day" means a day
that is not a Saturday, Sunday, or a day on which banks are closed or which is a civic or statutory holiday in the City of Toronto, Ontario
and in the City of Vancouver, British Columbia;
"Buy-In" has the meaning ascribed
to that term in subsection 4.4(5);
"CDS" means CDS Clearing and
Depository Services Inc. and its successors in interest;
"CDS Participant" means a
person recognized by CDS as a participant;
"Common Share Reorganization"
has the meaning ascribed to that term in subsection 3.13(1);
"Common Shares" means the
Class A common shares in the capital of the Corporation;
"Corporation" means Cardiol
Therapeutics Inc., a corporation incorporated under the laws of Ontario, and its lawful successors from time to time;
"Corporation's Auditors"
means the chartered (professional) accountant or firm of chartered (professional) accountants duly appointed as auditor or auditors of
the Corporation from time to time;
"Confirmation" means that
the Depository shall deliver to the Warrant Agent confirmation of its intention to exercise Warrants in a manner acceptable to the Warrant
Agent, including by electronic means through the Book-Based System;
"counsel" means a barrister
and solicitor or lawyer or a firm of barristers and solicitors or lawyers (who may be counsel to the Corporation), in both cases acceptable
to the Warrant Agent;
"Current Market Price" means,
at any date, the volume weighted average price per share at which the Common Shares have traded:
during the five (5) consecutive trading
days immediately before such date and the weighted average price shall be determined by dividing the aggregate sale price of all Common
Shares sold in board lots on the exchange or market, as the case may be, during the five (5) consecutive trading days by the number
of Common Shares sold or, if not traded on any recognized exchange or market, as determined by the directors of the Corporation, acting
reasonably; provided that, if such trading price is in a currency other than United States dollars, the volume weighted average price
in such currency will be converted into United States dollars using the applicable daily exchange rate(s) published by the Bank
of Canada on the last Trading Day during the applicable measurement period or, if no such rate was published on such date, the next preceding
daily exchange rate(s) published by the Bank of Canada; and provided, further, that if the Bank of Canada no longer publishes such
rates, the volume weighted average price will be converted into United States dollars using the then applicable exchange rate as determined
by the directors of the Corporation;
means CDS or such other persons designated in writing by the Corporation to act as depository in respect of the Warrants;
"Depository Participant" means
"director" means a member
of the board of directors of the Corporation for the time being, and unless otherwise specified herein, reference to "action
by the board of directors" means action by the board of directors of the Corporation as a board or, whenever duly empowered,
action by a committee of the board;
"Equity Shares" means the
Common Shares and any shares of any other class or series of the Corporation which may from time to time be authorized for issue if by
their terms such shares confer on the holders thereof the right to participate in the distribution of assets upon the voluntary or involuntary
liquidation, dissolution or winding up of the Corporation beyond a fixed sum or a fixed sum plus accrued dividends;
"Exchange Basis" means, at
any time, the number of Warrant Shares or other classes of shares or securities which a Warrantholder is entitled to receive upon the
exercise of the rights attached to the Warrants pursuant to the terms of this Indenture, as the number may be adjusted pursuant to Section 3.13
hereof, such number being equal to one Warrant Share per Warrant as of the date hereof;
"Exercise Date" with respect
to any Warrant means the date on which such Warrant is duly surrendered for exercise in accordance with the provisions of Article 4
Price" means $3.75 for each Warrant Share, subject to adjustment in accordance with the provisions of this Indenture;
"extraordinary resolution"
has the meaning ascribed to that term in Sections 7.11 and 7.14;
"Fundamental Transaction"
has the meaning ascribed to that term in subsection 3.13(4);
"Governmental Authority" or
"Governmental Authorities" means any of the governments of Canada, the United States of America, any other nation
or any political subdivision thereof, whether provincial, state, territorial or local, and any agency, authority, instrumentality, regulatory
body, court, central bank, fiscal or monetary authority or other authority regulating financial institutions, and any other entity exercising
executive, legislative, judicial, taxing, regulatory or administrative powers or functions of or pertaining to government;
Last updated: Nov 5, 2021