<SEC-DOCUMENT>0001193125-20-245364.txt : 20200915
<SEC-HEADER>0001193125-20-245364.hdr.sgml : 20200915
<ACCEPTANCE-DATETIME>20200914181133
ACCESSION NUMBER:		0001193125-20-245364
CONFORMED SUBMISSION TYPE:	POS AM
PUBLIC DOCUMENT COUNT:		19
FILED AS OF DATE:		20200915
DATE AS OF CHANGE:		20200914

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLUSHING FINANCIAL CORP
		CENTRAL INDEX KEY:			0000923139
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				113209278
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		POS AM
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-235411
		FILM NUMBER:		201174254

	BUSINESS ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
		BUSINESS PHONE:		718-961-5400

	MAIL ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
</SEC-HEADER>
<DOCUMENT>
<TYPE>POS AM
<SEQUENCE>1
<FILENAME>d922344dposam.htm
<DESCRIPTION>POS AM
<TEXT>
<HTML><HEAD>
<TITLE>POS AM</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As filed with the Securities and Exchange Commission on September 15, 2020. </B></P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Registration No.&nbsp;333-235411 </B></P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>Washington, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>POST-EFFECTIVE AMENDMENT NO. 2 TO </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT STYLE="white-space:nowrap">S-4</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>REGISTRATION STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>UNDER </I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>THE
SECURITIES ACT OF 1933 </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>FLUSHING FINANCIAL CORPORATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact name of registrant as specified in its charter) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="34%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Delaware</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>6022</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">11-3209278</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or other jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>incorporation or organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Primary Standard Industrial</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Classification Code Number)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification Number)</B></P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>220 RXR Plaza </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Uniondale, New York 11556 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(718) <FONT STYLE="white-space:nowrap">961-5400</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Address, including zip code, and telephone number, including area code, of registrant&#146;s principal executive offices) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>John R. Buran </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>President
and Chief Executive Officer </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Flushing Financial Corporation </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>220 RXR Plaza </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Uniondale,
New York 11556 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">(718)&nbsp;961-5400</FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name, address, including zip code, and telephone number, including area code, of agent for service) </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>With copies to: </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="34%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Robert C. Azarow, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Stephanie G. Nygard, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Arnold&nbsp;&amp; Porter</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>250 West 55th St</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>New
York, New York 10019</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(212) <FONT STYLE="white-space:nowrap">836-7477</FONT></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Douglas C. Manditch</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Empire Bancorp, Inc.</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>1707
Veterans Highway</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Islandia, New York 11749</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap">(631)&nbsp;348-4444</FONT></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Geoffrey S. Kay, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Nicholas J. Gallion, Esq.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>812 San Antonio Street, Suite 600</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Austin, Texas 78701</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(512)
<FONT STYLE="white-space:nowrap">583-5909</FONT></B></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Approximate date of commencement of the proposed sale of the securities to the public: </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As soon as practicable after this registration statement becomes effective and upon completion of the merger described in the enclosed
document. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If the securities being registered on this Form are being offered in connection with the formation of a holding company and there is
compliance with General Instruction G, check the following box.&nbsp;&nbsp;&#9744; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If this Form is filed to register additional securities for an
offering pursuant to Rule 462(b) under the Securities Act of 1933, as amended, check the following box and list the Securities Act registration statement number of the earlier effective registration statement for the same
offering.&nbsp;&nbsp;&#9744; </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If this Form is a post-effective amendment filed pursuant to Rule 462(d) under the Securities Act, check the
following box and list the Securities Act registration statement number of the earlier effective registration statement for the same offering.&nbsp;&nbsp;&#9744; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a <FONT STYLE="white-space:nowrap">non-accelerated</FONT>
filer, a smaller reporting company, or emerging growth company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer,&#148; &#147;smaller reporting company,&#148; and &#147;emerging growth company&#148; in <FONT
STYLE="white-space:nowrap">Rule&nbsp;12b-2</FONT> of the Exchange Act. (Check one): </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="17%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="57%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Large&nbsp;accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9746;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Non-accelerated filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Emerging&nbsp;growth&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period
for complying with any new or revised financial standards provided pursuant to Section&nbsp;7(a)(2)(B) of the Securities Act.&nbsp;&nbsp;&#9744; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">If
applicable, place an X in the box to designate the appropriate rule provision relied upon in conducting this transaction: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Exchange Act Rule <FONT
STYLE="white-space:nowrap">13e-4(i)</FONT> (Cross-Border Issuer Tender Offer)&nbsp;&nbsp;&#9744; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Exchange Act Rule
<FONT STYLE="white-space:nowrap">14d-1(d)</FONT> (Cross-Border Third-Party Tender Offer)&nbsp;&nbsp;&#9744; </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CALCULATION
OF REGISTRATION FEE </B></P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="36%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="17%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="14%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="15%"></TD></TR>


<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title of each class of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>securities to be registered</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>to be</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>registered</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Proposed</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>maximum</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>offering
price</B></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>per&nbsp;share</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Proposed</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>maximum</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>aggregate</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>offering price</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>registration fee (3)</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Common Stock, $0.01 par value per share</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">2,571,884&nbsp;shares(1)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">N/A</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$53,417,264(2)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$6,933.56(4)</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
</TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Represents the maximum number of shares of common stock of the registrant estimated to be issued upon
completion of the merger described in the proxy statement/prospectus contained herein. This number is based upon the product of (x) 0.5 <I>multiplied by</I> (y) 7,855,479, which represents the sum of (A) 7,825,979&nbsp;shares of voting common stock,
$0.01 par value per share, and <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock, $0.01 par value per share, of Empire Bancorp, Inc. (such voting common stock and <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock,
collectively, &#147;Empire common stock&#148;) outstanding as of December 2, 2019, <I>plus</I> (B)&nbsp;29,500&nbsp;shares of Empire common stock issuable prior to the completion of the merger upon the exercise of outstanding options to purchase
Empire common stock, <I>multiplied</I> <I>by</I> (z) 0.6548, which product is the estimated aggregate number of shares of the registrant&#146;s common stock to be issued under the Agreement and Plan of Merger, dated as of October&nbsp;24, 2019, by
and among Empire Bancorp, Inc., Lighthouse Acquisition Co., Inc. and the registrant. Pursuant to Rule 416 of the Securities Act, this registration statement also covers such additional and indeterminate number of shares as may become issuable in the
event of a recapitalization, stock dividend, stock split or other similar change in capitalization. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Computed pursuant to Rule 457(f) and Rule 457(c) of the Securities Act and estimated solely for the purpose of
calculating the registration fee required by Section&nbsp;6(b) of the Securities Act, the proposed maximum aggregate offering price is the product of (x)&nbsp;the estimated maximum number of shares of common stock of Empire Bancorp, Inc. that may be
exchanged for shares of common stock of the registrant pursuant to the merger (3,927,740 shares) <I>multiplied</I> <I>by</I> (y)&nbsp;$13.60, which is the average of the high and low prices per share of common stock of Empire Bancorp, Inc. as
reported on the OTCQX on December 2, 2019. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Determined in accordance with Section&nbsp;6(b) of the Securities Act, at a rate equal to $129.80 per
$1,000,000 of the proposed maximum aggregate offering price. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Previously paid. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXPLANATORY NOTE </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The registrant hereby amends its original registration statement on Form S-4 (File No. 333-235411) filed with the Securities and Exchange
Commission on December 9, 2019, as amended by the pre-effective Amendment No. 1 filed January 9, 2020, and which was declared effective on January 17, 2020 (collectively, the &#147;Form S-4&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The registrant filed the Form S-4 in connection with the merger contemplated by the Agreement and Plan of Merger, dated as of October 24, 2019
(as amended as of December 6, 2019, the &#147;Merger Agreement&#148;) by and among the registrant, Lighthouse Acquisition Co., Inc., a New York corporation and a wholly owned subsidiary of the registrant, and Empire Bancorp, Inc., a New York
corporation. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On August 14, 2020, the parties to the Merger Agreement entered into Amendment No. 2 (the &#147;Amendment&#148;) to the
Merger Agreement. This Post-Effective Amendment No. 2 is being filed for the sole purpose of reflecting the Amendment. The Amendment, which does not change the exchange ratio nor the per share cash consideration in the merger, has no effect on the
number of shares registered hereunder and no effect on the estimated number of shares to be issued upon completion of the merger. The Amendment requires a new vote of the shareholders of Empire Bancorp, Inc. as a condition to closing the
transactions contemplated by the Merger Agreement, as amended by the Amendment. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Arial Narrow"><FONT COLOR="#ff4338"><B>Information
contained herein is subject to completion or amendment. A registration statement relating to these securities has been filed with the Securities and Exchange Commission. These securities may not be sold nor may offers to buy be accepted prior to the
time the registration statement becomes effective. This document shall not constitute an offer to sell or the solicitation of any offer to buy, nor shall there be any sale of, these securities in any jurisdiction in which such offer, solicitation or
sale would be unlawful prior to registration or qualification under the securities laws of any such jurisdiction. </B></FONT></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><FONT COLOR="#ff4338"><B>PRELIMINARY&#151;SUBJECT TO COMPLETION&#151;DATED SEPTEMBER 14, 2020 </B></FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="58%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center">


<IMG SRC="g922344g97u16.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="font-size:8pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:1pt" ALIGN="center">


<IMG SRC="g922344g98v17.jpg" ALT="LOGO">
</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:14pt">
<TD VALIGN="top" ALIGN="center"><B>EMPIRE BANCORP, INC.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>FLUSHING&nbsp;FINANCIAL&nbsp;CORPORATION</B></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PROXY STATEMENT/PROSPECTUS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AMENDMENT PROPOSED&#151;YOUR VOTE IS VERY IMPORTANT </B></P> <P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>  <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">On
August&nbsp;14, 2020, Flushing Financial Corporation, a Delaware corporation (which we refer to as &#147;Flushing&#148;), Lighthouse Acquisition Co., Inc., a New York corporation and a wholly owned subsidiary of Flushing (which we refer to as
&#147;Merger Sub&#148;), and Empire Bancorp, Inc., a New York corporation (which we refer to as &#147;Empire&#148;), entered into Amendment No.&nbsp;2 (which we refer to as the &#147;amendment&#148;) to the Agreement and Plan of Merger, dated as of
October&nbsp;24, 2019 (which we refer to as the &#147;original merger agreement&#148;), as previously amended by Amendment No.&nbsp;1 dated December&nbsp;6, 2019 (which we refer to as &#147;amendment no.&nbsp;1&#148;). We collectively refer to the
original merger agreement, as amended by amendment no. 1, as the &#147;merger agreement,&#148; and as further amended by the amendment, the &#147;amended merger agreement&#148;. The merger agreement, which provides for the combination of Empire and
Flushing, was approved by Empire shareholders on February 27, 2020. The amendment provides that, among other things, the respective obligations of Flushing and Empire to complete the merger (as defined below) are no longer conditioned upon the
receipt of tax opinions that the merger will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the U.S. Internal Revenue Code of 1986, as amended (which we refer to as the &#147;Code&#148;). The amendment also extended
the date after which either party may terminate the merger agreement if the merger has not been completed from July 31, 2020 to December 31, 2020 and added as a condition to the closing of the merger the receipt of the approval of the amendment by
the Empire shareholders. </P>  <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">Under the terms of the amended merger agreement, (i)&nbsp;Merger Sub will merge with and into Empire (which
we refer to as the &#147;first-step merger&#148;), with Empire continuing as the surviving corporation in the first-step merger and as a wholly owned subsidiary of Flushing, (ii)&nbsp;substantially simultaneously with but immediately following the
completion of the first-step merger, Empire will merge with and into Flushing (which we refer to as the &#147;second-step merger&#148; and, together with the first-step merger, the &#147;merger&#148;), with Flushing as the surviving corporation in
the second-step merger, and (iii)&nbsp;substantially simultaneously with but immediately following the completion of the second-step merger, Empire National Bank, a national banking association and a wholly-owned subsidiary of Empire (which we refer
to as &#147;Empire Bank&#148;), will merge with and into Flushing Bank, a New York state-chartered bank and a wholly-owned subsidiary of Flushing (which we refer to as &#147;Flushing Bank&#148;), with Flushing Bank being the surviving bank (which we
refer to as the &#147;bank merger&#148;). </P>  <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">At the effective time of the merger (which we refer to as the &#147;effective time&#148;),
each share of voting common stock, $0.01 par value per share, of Empire (which we refer to as &#147;Empire voting common stock&#148;), and each share of <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock, $0.01 par value per share, of
Empire (which we refer to as &#147;Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock&#148; and, collectively with the Empire voting common stock, the &#147;Empire common stock&#148;), issued and outstanding immediately prior to
the effective time, except for shares of Empire common stock held by Empire as treasury stock, certain shares held by Flushing, if any, and shares held by Empire shareholders who properly exercise their rights under applicable law to dissent from
the merger, will be converted into the right to receive either (i) 0.6548&nbsp;shares (which we refer to as the &#147;exchange ratio&#148;) of common stock, $0.01 par value per share, of Flushing (which we refer to as &#147;Flushing common
stock,&#148; and such shares as the &#147;stock consideration&#148;), or (ii) $14.04 in cash, without interest (which we refer to as the &#147;cash consideration&#148; and, together with the stock consideration, the &#147;merger
consideration&#148;). Neither the exchange ratio nor the per share cash consideration has been altered by the amendment. The form of merger consideration to be received in exchange for each outstanding share of Empire common stock will be determined
based upon the election of each Empire shareholder, subject to the election, allocation and proration procedures specified in the amended merger agreement, which provide for an aggregate split of total consideration consisting of 50% Flushing common
stock and 50% cash, as described beginning on page&nbsp;89 of this proxy statement/prospectus. </P>  <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">The per share cash consideration is
fixed at $14.04 and will not change; however, the market value of the per share stock consideration will fluctuate with the market price of Flushing common stock both prior to and after the time Empire shareholders vote on the merger. Flushing
common stock is traded on the NASDAQ Global Select Market (which we refer to as the &#147;NASDAQ&#148;) under the symbol &#147;FFIC.&#148; Empire common stock is traded on the OTCQX under the symbol &#147;EMPK.&#148; Based on the closing price of
Flushing common stock of $12.01 on August&nbsp;14, 2020, the last trading day before the date of the public announcement of the amendment, the exchange ratio represented approximately $7.86 in value for each share of Empire common stock. Based on
the closing price of Flushing common stock of $22.06 on October&nbsp;24, 2019, the last trading day before the date of the public announcement of the merger, the exchange ratio represented approximately $14.44 in value for each share of Empire
common stock. Based on Flushing&#146;s closing price of $[&#9679;] on [&#9679;], 2020, the latest practicable trading day before the date of this proxy statement/prospectus, the exchange ratio represented approximately $[&#9679;] in value for each
share of Empire common stock. Based on the exchange ratio and the number of shares of Empire common stock currently outstanding, including unvested shares of restricted stock which will vest upon the closing of the merger, the maximum number of
shares of Flushing common stock issuable in the merger is 2,557,745. <B>We urge you to obtain current market quotations for Flushing common stock and Empire common stock.</B> </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">Empire will hold a special meeting of its shareholders (which we refer to as the &#147;special meeting&#148;) in connection with the amendment.
Holders of Empire voting common stock will be asked to vote to adopt and approve the amendment and the transactions contemplated by the amended merger agreement, as described in this proxy statement/prospectus. Adoption and approval of the amendment
and the transactions contemplated by the amended merger agreement require the affirmative vote of the holders of a majority of the outstanding shares of Empire voting common stock entitled to vote at the special meeting. </P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">The holders of outstanding shares of Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock are not entitled or permitted to
vote any shares of Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock at the special meeting. </P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman">The special meeting will
be held on [&#9679;], 2020, at [&#9679;] p.m. local time, at the main office of Empire, located at 1707 Veterans Highway, Islandia, New York 11749. In the interest of the health and safety of Empire&#146;s shareholders, employees, and communities,
and in light of further developments regarding the coronavirus (COVID-19) and guidance from the Centers for Disease Control and Prevention, the World Health Organization, and federal, state and local public health authorities, Empire&#146;s board of
directors has approved arrangements to enable Empire shareholders to participate at the special meeting remotely through Empire&#146;s virtual meeting website, and Empire strongly encourages all Empire shareholders desiring to participate at the
special meeting to do so in this manner. If a formal public health directive in effect at the time of the special meeting permits Empire shareholder meetings in a virtual-only format, Empire shareholders will not be able to physically attend the
special meeting and will be able to participate at the meeting solely through Empire&#146;s virtual meeting website. </P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman"><B>Empire&#146;s board
of directors unanimously recommends that holders of Empire voting common stock vote &#147;FOR&#148; the proposal to adopt and approve the amendment and the transactions contemplated by the amended merger agreement and &#147;FOR&#148; the proposal to
adjourn the special meeting to a later date or dates, if necessary or appropriate, including to permit further solicitation of proxies in favor of the amendment proposal if there are not sufficient votes to approve it. </B></P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:4%; font-size:8pt; font-family:Times New Roman"><B>This proxy statement/prospectus describes the special meeting, the merger, the amendment, the documents related to the merger and the
amendment and other related matters. Please carefully read the entire proxy statement/prospectus, including &#147;<A HREF="#rom922344_31">Risk Factors</A>,&#148; beginning on page 31, for a discussion of the risks relating to the proposed merger.
You also can obtain information about Flushing from documents that it has filed with the Securities and Exchange Commission (which we refer to as the &#147;SEC&#148;). </B></P>
<P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman"><B>Neither the SEC nor any state securities commission has approved or disapproved of the securities to be issued in the merger or passed upon
the adequacy or accuracy of this proxy statement/prospectus. Any representation to the contrary is a criminal offense. </B></P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman"><B>The
securities to be issued in the merger are not savings or deposit accounts or other obligations of any bank or <FONT STYLE="white-space:nowrap">non-bank</FONT> subsidiary of either Flushing or Empire, and they are not insured by the Federal Deposit
Insurance Corporation or any other governmental agency. </B></P> <P STYLE="margin-top:3pt; margin-bottom:0pt; text-indent:3%; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>The date of this proxy statement/prospectus is
[</B>&#9679;<B></B><B>], 2020, and it is first being mailed or otherwise delivered to the shareholders of Empire on or about [</B>&#9679;<B></B><B>], 2020. </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g922344g99w18.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman" ALIGN="center"><B>NOTICE OF SPECIAL MEETING OF SHAREHOLDERS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman" ALIGN="center"><B>OF EMPIRE BANCORP, INC. </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman" ALIGN="center"><B>To Be Held on [</B>&#9679;<B></B><B>], 2020 </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:7.5pt; font-family:Times New Roman">NOTICE IS HEREBY GIVEN that Empire Bancorp, Inc. (which we refer to as &#147;Empire&#148;) will hold a special meeting of its shareholders
(which we refer to as the &#147;special meeting&#148;) on [&#9679;], 2020, at [&#9679;]&nbsp;p.m. local time, at the main office of Empire, located at 1707 Veterans Highway, Islandia, New York 11749, for the following purposes: </P>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7.5pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman; " ALIGN="left">to consider and vote on a proposal (which we refer to as the &#147;amendment proposal&#148;) to adopt and
approve Amendment No. 2, dated as of August 14, 2020, a copy of which is attached as <U>Annex A</U> to the accompanying proxy statement/prospectus (which we refer to as the &#147;amendment&#148;), to the Agreement and Plan of Merger, dated as of
October&nbsp;24, 2019 (which we refer to as the &#147;original merger agreement&#148;), by and among Empire, Flushing Financial Corporation (which we refer to as &#147;Flushing&#148;) and Lighthouse Acquisition Co., Inc. (which we refer to as
&#147;Merger Sub&#148;), as previously amended by Amendment No.&nbsp;1 dated December 6, 2019 (which we refer to as &#147;amendment no. 1&#148;), a copy of each of which is attached as <U>Annex</U><U></U><U>&nbsp;B</U> and <U>Annex C</U>,
respectively, to the accompanying proxy statement/prospectus (we collectively refer to the original merger agreement, as amended by amendment no. 1, as the &#147;merger agreement,&#148; and as further amended by the amendment, the &#147;amended
merger agreement&#148;), and the transactions contemplated by the amended merger agreement, pursuant to which (i)&nbsp;Merger Sub will merge with and into Empire (which we refer to as the &#147;first-step merger&#148;), with Empire continuing as the
surviving corporation in the first-step merger and as a wholly owned subsidiary of Flushing, (ii)&nbsp;substantially simultaneously with but immediately following the completion of the first-step merger, Empire will merge with and into Flushing
(which we refer to as the &#147;second-step merger&#148; and, together with the first-step merger, the &#147;merger&#148;), with Flushing as the surviving corporation in the second-step merger, and (iii)&nbsp;substantially simultaneously with but
immediately following the completion of the second-step merger, Empire National Bank, a national banking association and a wholly owned subsidiary of Empire (which we refer to as &#147;Empire Bank&#148;), will merge with and into Flushing Bank, a
New York state-chartered bank and a wholly owned subsidiary of Flushing (which we refer to as &#147;Flushing Bank&#148;), with Flushing Bank being the surviving bank (which we refer to as the &#147;bank merger&#148;); and </P></TD></TR></TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7.5pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman; " ALIGN="left">to consider and vote on a proposal (which we refer to as the &#147;adjournment proposal&#148;) to adjourn the
special meeting to a later date or dates, if necessary or appropriate, including to permit further solicitation of proxies in favor of the amendment proposal if there are not sufficient votes to approve it or for any other legally permissible
purpose. </P></TD></TR></TABLE> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman">Any action may be taken on the foregoing proposals at the special meeting on the date specified above or on any date or dates
to which, by original or later adjournment or postponement, the special meeting may be adjourned. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:7.5pt; font-family:Times New Roman">Empire&#146;s board of directors has
approved arrangements to enable Empire shareholders to participate at the special meeting remotely through Empire&#146;s virtual meeting website located at www.virtualshareholdermeeting.com/EMPK2020. To participate in the special meeting through
Empire&#146;s virtual meeting website, you will need the 16-digit control number included on your proxy card. If a formal public health directive in effect at the time of the special meeting permits Empire shareholder meetings in a virtual-only
format, shareholders will not be able to physically attend the special meeting and will be able to participate at the special meeting solely through Empire&#146;s virtual meeting website. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:7.5pt; font-family:Times New Roman">We have fixed the close of business on August 28, 2020, as the record date for the special meeting. Only holders of record of the voting
common stock, $0.01 par value per share, of Empire (which we refer to as &#147;Empire voting common stock&#148;) and the <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock, $0.01 par value per share, of Empire, at that time are entitled
to notice of, and only holders of Empire voting common stock are entitled to vote at, the special meeting or any adjournment or postponement of the special meeting. Approval of the amendment proposal requires the affirmative vote of holders of at
least a majority of the outstanding shares of Empire voting common stock entitled to vote at the special meeting. Approval of the adjournment proposal requires a majority of the votes cast, in person or by proxy, at the special meeting to be voted
in favor of such proposal. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:7.5pt; font-family:Times New Roman"><B>Your vote is very important. </B>We cannot complete the merger as amended by the amendment unless the
holders of Empire voting common stock adopt and approve the amendment proposal. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:7.5pt; font-family:Times New Roman"><B>Regardless of whether you plan to attend the special
meeting, please vote as soon as possible. If you hold Empire&nbsp;voting common stock in your name as a shareholder of record of Empire, please vote your shares by proxy in the manner set forth in the attached proxy statement/prospectus. The proxy
will not be used if you attend and vote at the special meeting in person. If you hold your Empire voting common stock in &#147;street name&#148; through a broker, bank or other nominee, please follow the directions on the voting instruction card
furnished to you by the record holder in order to vote those shares. </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:3%; font-size:7.5pt; font-family:Times New Roman">The accompanying proxy statement/prospectus provides a detailed
description of the special meeting, the merger, the merger agreement, the amendment, the documents related to the merger and the amendment and other related matters. <B>We urge you to read the attached proxy statement/prospectus, including any
documents incorporated into the proxy statement/prospectus by reference, and its annexes carefully and in their entirety</B>. </P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top">By Order of the Board of Directors</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top">Douglas C. Manditch</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><I>Chairman of the Board and</I></P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman"><I>Chief
Executive Officer</I></P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman">1707 Veterans Highway </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman">Islandia, New York 11749 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman">[&#9679;], 2020 </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman"><B>EMPIRE&#146;S BOARD OF DIRECTORS UNANIMOUSLY APPROVED THE AMENDMENT, DETERMINED THAT THE AMENDMENT IS IN THE BEST INTERESTS OF EMPIRE AND ITS SHAREHOLDERS,
DECLARED THE AMENDMENT TO BE ADVISABLE AND UNANIMOUSLY RECOMMENDS THAT THE HOLDERS OF EMPIRE&nbsp;VOTING COMMON STOCK VOTE &#147;FOR&#148; THE AMENDMENT PROPOSAL AND &#147;FOR&#148; THE ADJOURNMENT PROPOSAL. </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REFERENCES TO ADDITIONAL INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This proxy statement/prospectus incorporates important business and financial information about Flushing from documents filed with the SEC
that are not included in or delivered with this proxy statement/prospectus. You can obtain any of the documents filed with or furnished to the SEC by Flushing at no cost from the SEC&#146;s website at http://www.sec.gov. You may also request copies
of these documents, including documents incorporated by reference into this proxy statement/prospectus, at no cost by contacting Flushing at the following address: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Flushing Financial Corporation </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">220 RXR Plaza </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Uniondale, New York
11556 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Attention: Susan Cullen </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(718) <FONT STYLE="white-space:nowrap">961-5400</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>You will not be charged for any of the documents that you request. To obtain timely delivery of these documents, you must request them no
later than five business days before the date of the special meeting. This means that Empire shareholders requesting documents must do so by [</B>&#9679;<B></B><B>], 2020, in order to receive them before the special meeting. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should rely only on the information contained in, or incorporated by reference into, this document. No one has been authorized to provide
you with information that is different from that contained in, or incorporated by reference into, this document. This document is dated [<B></B>&#9679;<B></B><B></B>], 2020, and you should assume that the information in this document is accurate
only as of such date. You should assume that the information incorporated by reference into this document is accurate as of the date of such document. Neither the mailing of this document to Empire shareholders nor the issuance by Flushing of
Flushing common stock in connection with the merger will create any implication to the contrary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>This document does not constitute an
offer to sell, or a solicitation of an offer to buy, any securities, or the solicitation of a proxy, in any jurisdiction to or from any person to whom it is unlawful to make any such offer or solicitation in such jurisdiction. Except where the
context otherwise indicates, information contained in this document regarding Empire has been provided by Empire, and information contained in this document regarding Flushing has been provided by Flushing. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Please see &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127, for more details. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="toc"></A>TABLE OF CONTENTS </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="95%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Page</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_1">QUESTIONS AND ANSWERS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_2">SUMMARY</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_3">The Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_3a">The Amendment </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_4">Information About Flushing</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_5">Information About Empire </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_6">Consideration to Be Paid to Empire Shareholders</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_7">The Empire Board Unanimously Recommends that Holders of Empire Voting Common Stock
 Vote &#147;FOR&#148; the Amendment Proposal and &#147;FOR&#148; the Adjournment Proposal</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_8">Opinion of Piper Sandler &amp; Co. </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_9">Treatment of Empire Equity-Based Awards</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_10">Empire Will Hold the Special Meeting on [&#9679;], 2020</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_11">Special Meeting Proposals: Votes Required; Treatment of Abstentions and Broker
 <FONT STYLE="white-space:nowrap">Non-Votes</FONT></A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_12">The Directors, Certain Executive Officers and a Certain Large Shareholder of
 Empire, and the Directors of Empire Bank, Entered into Voting Agreements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_13">Empire&#146;s Directors and Executive Officers Have Financial Interests in the
Merger that Differ from Your Interests</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_14">The Merger Will Be Accounted for as an Acquisition</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_15">Flushing&#146;s and Empire Bank&#146;s Management and Operations after the Merger
</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_16">Empire Shareholders Have Dissenters&#146; Rights in Connection with the Merger
</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_17">Regulatory Approvals Required for the Merger and the Amendment
</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_18">Material U.S. Federal Income Tax Consequences of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_19">Conditions that Must Be Satisfied or Waived for the Merger to
Occur</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_20">Termination of the Amended Merger Agreement</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_21">Termination Fee</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_22">The Rights of Empire Shareholders Will Change as a Result of the
Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_23">Risk Factors</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_24">FLUSHING SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_25">EMPIRE SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_26">COMPARATIVE HISTORICAL AND UNAUDITED PRO FORMA PER SHARE DATA</A></P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_27">COMPARATIVE PER SHARE MARKET PRICE AND DIVIDEND INFORMATION</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_28">Market; Holders</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_29">Comparative Per Share Market Prices; Dividends</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_30">CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_31">RISK FACTORS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_32">Risks Related to the Merger and Flushing&#146;s Business Upon Completion of the
 Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_32a">Risks Relating to the COVID-19 Pandemic </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_33">Risks Relating to Flushing&#146;s Business</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_34">THE SPECIAL MEETING</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_35">General</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_36">Date, Time and Place of Meeting</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_37">Purposes of the Special Meeting</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_38">Recommendation of the Empire&nbsp;Board</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_39">Record Date for the Special Meeting; Stock Entitled to Vote</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_40">Quorum</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_41">Votes Required; Treatment of Abstentions and Broker <FONT
STYLE="white-space:nowrap">Non-Votes</FONT></A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_42">Voting Your Shares</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_43">Shares Held in Street Name</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center">Page</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_44">Dissenters&#146; Rights</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_45">Solicitation of Proxies</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_46">Delivery of Proxy Materials to Empire Shareholders Sharing an
Address</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_47">Assistance</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_48">Shares of Empire Voting Common Stock Held By Directors and Executive Officers
 and Certain Other Beneficial Owners; Voting Agreements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_49">PROPOSAL NO.&nbsp;1 THE AMENDMENT PROPOSAL</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_50">THE MERGER AND THE AMENDMENT </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_51">General</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_52">Terms of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_53">Background of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_53a">Background of the Amendment </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_54">Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the
 Empire Board</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_55">Opinion of Piper Sandler </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_55a">Certain Unaudited Prospective Financial Information Regarding Empire
</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_56">Flushing&#146;s Reasons for the Merger and the Amendment </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_57">Interests of Certain Persons in the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_58">Accounting Treatment</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_59">Board of Directors, Management and Operations Following the
Mergers</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_59a">Prior Empire Shareholder Approval of the Merger Agreement </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_60">Empire Shareholder Approval of the Amendment </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_61">Dissenters&#146; Rights</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_62">Regulatory Approvals Required for the Amendment</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_63">NASDAQ Listing</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_64">Resale of Flushing Common Stock</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_65">MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_66">THE MERGER AGREEMENT</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_67">Structure of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_68">Merger Consideration</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_69">Governing Documents; Directors and Officers</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_70">Flushing Common Stock and Merger Sub Common Stock</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_71">Closing and Effective Time of the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_72">Conversion of Shares; Exchange of Certificates</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_73">Representations and Warranties</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_74">Covenants and Agreements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_74a">Prior Empire Shareholder Approval of the Merger Agreement </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_76">Agreement Not to Solicit Other Offers</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_77">Conditions to Complete the Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_78">Termination of the Merger Agreement</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_78a">Termination Fee</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_79">Effect of Termination</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_81">Expenses and Fees</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_82">Amendment, Waiver and Extension of the Merger Agreement</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83">Director, Executive Officer and Large Shareholder Voting
Agreements</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83a">THE AMENDMENT </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83b">Merger Consideration </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83c">Closing and Effective Time of the Merger </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83d">Covenants and Agreements </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83e">The Special Meeting and Recommendation of the Empire Board </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83f">Agreement Not to Solicit Other Offers </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83g">Conditions to Complete the Merger </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83h">Termination of the Amended Merger Agreement </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_83i">Termination Fee </A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_84">INFORMATION ABOUT FLUSHING</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_85">INFORMATION ABOUT EMPIRE</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_86">DESCRIPTION OF FLUSHING CAPITAL STOCK</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_87">PROPOSAL NO.&nbsp;2 THE ADJOURNMENT PROPOSAL</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_88">General</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_89">Recommendation of the Empire Board</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_90">COMPARISON OF SHAREHOLDER RIGHTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_91">EMPIRE SHAREHOLDER PROPOSALS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_92">LEGAL MATTERS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_93">EXPERTS</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_94">WHERE YOU CAN FIND MORE INFORMATION</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_95">ANNEX A - Amendment No. 2 to the Agreement and Plan of Merger</A></P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">A-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_96">ANNEX B - Agreement and Plan of Merger</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_97">ANNEX C - Amendment No. 1 to the Agreement and Plan of Merger</A></P></TD>

<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">C-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_97a">ANNEX D - Opinion of Piper Sandler &amp; Co.</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">D-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_98">ANNEX E - Sections 623 and 910 of the New York Business Corporations
Law</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">E-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_1"></A>QUESTIONS AND ANSWERS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The following are some questions that you may have about the merger, the amendment and the special meeting, as well as brief answers to
those questions. We urge you to read carefully this proxy statement/prospectus in its entirety because the information in this section does not provide all of the information that might be important to you with respect to the merger, the amendment
or the special meeting. Additional important information is also contained in the documents incorporated by reference into this proxy statement/prospectus. Please see &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127, for
more information. </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Unless the context otherwise requires, references in this proxy statement/prospectus to
&#147;Flushing&#148; refer to Flushing Financial Corporation, a Delaware corporation; references to &#147;Empire&#148; refer to Empire Bancorp, Inc., a New York corporation; references to &#147;Flushing Bank&#148; refer to Flushing Bank, a New York
state-chartered bank and a wholly owned subsidiary of Flushing; references to &#147;Empire Bank&#148; refer to Empire National Bank, a national banking association and a wholly owned subsidiary of Empire; and references to &#147;we,&#148;
&#147;our&#148; or &#147;us&#148; refer to Flushing and Empire collectively. </B></P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What is the merger? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Flushing, Lighthouse Acquisition Co., a New York corporation and wholly owned subsidiary of Flushing (which we
refer to as &#147;Merger Sub&#148;), and Empire entered into an Agreement and Plan of Merger, dated as of October&nbsp;24, 2019 (which we refer to as the &#147;original merger agreement&#148;), as previously amended by Amendment No. 1 dated December
6, 2019 (which we refer to as &#147;amendment no. 1&#148;), which provides for the strategic acquisition of Empire by Flushing. We collectively refer to the original merger agreement, as amended by amendment no. 1, as the &#147;merger
agreement.&#148; </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Under the terms of the merger agreement: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Merger Sub will merge with and into Empire, with Empire as the surviving corporation (which we refer to as the
&#147;first-step merger&#148;). </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Substantially simultaneously with but immediately following the completion of the first-step merger, Empire, as
the surviving corporation in the first-step merger, will merge with and into Flushing (which we refer to as the &#147;second-step merger&#148; and, together with the first-step merger, the &#147;merger&#148;), with Flushing as the surviving
corporation (which we refer to as the &#147;surviving corporation&#148;). </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Substantially simultaneously with but immediately following the completion of the second-step merger, Empire Bank
will merge with and into Flushing Bank, with Flushing Bank as the surviving bank (which we refer to as the &#147;bank merger&#148;). </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">A copy of the original merger agreement is attached as <U>Annex</U><U></U><U>&nbsp;B</U> and a copy of amendment no. 1 is attached as <U>Annex
C </U>to this proxy statement/prospectus. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">The merger agreement was approved by the requisite vote of the holders of Empire voting common
stock on February 27, 2020, and the required regulatory approvals related to the merger agreement were previously obtained. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What is the amendment? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Flushing, Merger Sub and Empire entered into Amendment No. 2 to the merger agreement, dated as of August 14,
2020 (which we refer to as the &#147;amendment&#148; and which, together with the merger agreement, we refer to as the &#147;amended merger agreement&#148;), which provides that, among other things, the respective obligations of Flushing and Empire
to complete the merger are no longer conditioned upon the receipt of tax opinions that the merger will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the U.S. Internal Revenue Code of 1986, as amended (which we refer
to as the &#147;Code&#148;). </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">A copy of the amendment is attached as <U>Annex A</U> to this proxy statement/prospectus.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Why is the amendment necessary? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Following the Empire shareholder approval of the merger agreement on February 27, 2020, Flushing and Empire
determined that they would be unable to receive the necessary tax opinions that the merger will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. As the COVID-19 pandemic continued through the year it became
apparent to Flushing and Empire that the closing conditions related to receipt of the requisite tax opinions may not be satisfied during 2020, and the parties agreed to proceed with the merger with or without such tax opinions. See &#147;Proposal
No. 1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Background of the Amendment,&#148; beginning on page&nbsp;50, and &#147;Proposal No. 1: The Amendment Proposal&#151;Material U.S. Federal Income Tax Consequences of the
Merger,&#148; beginning on page&nbsp;84. </P></TD></TR></TABLE>  <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Why am I receiving this proxy statement/prospectus? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Empire has called a special meeting of its shareholders (which we refer to as the &#147;special meeting&#148;).
The special meeting is being held for the holders of Empire voting common stock to consider and vote upon a proposal to adopt and approve the amendment (which we refer to as the &#147;amendment proposal&#148;) and a proposal to adjourn the special
meeting to a later date or dates, if necessary or appropriate, including to permit further solicitation of proxies in favor of the amendment proposal if there are not sufficient votes to approve it (which we refer to as the &#147;adjournment
proposal&#148;). This document serves as the proxy statement being used by Empire&#146;s board of directors (which we refer to as the &#147;Empire board&#148;) to solicit proxies from the holders of Empire voting common stock in connection with the
special meeting and describes the proposals to be presented at the special meeting. The holders of outstanding shares of Empire non-voting common stock are not entitled or permitted to vote any shares of their Empire non-voting common stock at the
special meeting. </P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">This document is also a prospectus that is being delivered to Empire shareholders because, in
connection with the merger, Flushing is offering shares of Flushing common stock to Empire shareholders. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">This proxy statement/prospectus
contains important information about the merger and the amendment and important information to consider in connection with an investment in Flushing common stock. You should read it carefully and in its entirety. The enclosed materials allow you to
have your shares of Empire voting common stock voted by proxy without attending the special meeting. <B>Your vote is important, and we encourage you to submit your proxy as soon as possible.</B> </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What are holders of Empire voting common stock being asked to vote on at the special meeting?
</B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Empire shareholders previously approved the merger agreement at a special meeting held on February 27, 2020.
Empire is now soliciting proxies from the holders of its voting common stock with respect to: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the amendment proposal; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the adjournment proposal. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What will Empire shareholders receive in the merger? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">At the effective time of the merger (which we refer to as the &#147;effective time&#148;), each share of voting
common stock, $0.01 par value per share, of Empire (which we refer to as &#147;Empire voting common stock&#148;), and each share of <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock, $0.01 par value per share, of Empire (which we refer
to as &#147;Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock&#148; and, collectively with the Empire voting common stock, the &#147;Empire common stock&#148;), issued and outstanding immediately prior to the effective time,
except for shares of Empire common stock held by Empire as treasury stock, certain shares held by Flushing, if any, and shares held by Empire shareholders who properly exercise their rights under applicable law to dissent from the merger (which we
refer to as &#147;dissenting shares&#148;), will be converted into the right to receive either (i) 0.6548 shares (which we refer to as the &#147;exchange ratio&#148;) of common stock, $0.01 par value per share, of Flushing (which
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
we refer to as &#147;Flushing common stock,&#148; and such shares as the &#147;stock consideration&#148;), or (ii) $14.04 in cash, without interest (which we refer to as the &#147;cash
consideration&#148; and, together with the stock consideration, the &#147;merger consideration&#148;). The form of merger consideration to be received in exchange for each outstanding share of Empire common stock will be determined based upon the
election of each Empire shareholder, subject to the election, allocation and proration procedures specified in the amended merger agreement, which provide for an aggregate split of total consideration consisting of 50% Flushing common stock and 50%
cash, as described beginning on page&nbsp;89 of this proxy statement/prospectus. In lieu of issuing fractional shares, Flushing will pay to each former Empire shareholder, who otherwise would be entitled to receive a fractional share of Flushing
common stock upon the completion of the merger, an amount in cash (rounded to the nearest cent) determined by multiplying the volume-weighted average trading price (which we refer to as &#147;VWAP&#148;) per share of Flushing common stock on the
NASDAQ Global Select Market (which we refer to as the &#147;NASDAQ&#148;) (as reported by The Wall Street Journal) for the five full trading days ending on the last trading day preceding the closing date of the merger by the fraction of a share
(rounded to the nearest thousandth when expressed in decimal form) of Flushing common stock that such shareholder would otherwise be entitled to receive. </TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Based on the number of shares of Flushing common stock and Empire common stock currently outstanding, current Empire shareholders who receive
shares of Flushing common stock in the merger are expected to own up to approximately 8.3% of the outstanding Flushing common stock immediately following the merger (without giving effect to any shares of Flushing common stock held by Empire
shareholders prior to the merger). </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Neither the exchange ratio nor the
per share cash consideration has been altered by the amendment. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>How and when do Empire shareholders make their election to receive cash, Flushing common stock or a
combination of both? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">An election form will be mailed concurrently with the mailing of this proxy statement/prospectus to each holder
of record of Empire common stock as of the close of business on August 28, 2020 (which we refer to as the &#147;record date for the special meeting&#148;). The election deadline will be 5:00 p.m., New York time, on the date of the special meeting or
such later date and time as Flushing and Empire mutually agree. Flushing will also make an election form available, if requested, by each person that becomes a holder of Empire common stock subsequent to the record date for the special meeting. Each
Empire shareholder should complete and return the election form according to the instructions included with the form. </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If you own shares of Empire common stock in &#147;street name&#148; through a bank, broker or other nominee and you wish to make an election,
you should seek instructions from the bank, broker or other nominee holding your shares concerning how to make an election. If you do not send in the election form by the election deadline, you will be treated as though you had not made an election.
</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What happens if an Empire shareholder made an election prior to the mailing of this proxy
statement/prospectus? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If an Empire shareholder made a valid election prior to the date of this proxy statement/prospectus, such
election remains valid unless and until such Empire shareholder, at any time before the election deadline, changes or revokes such election in accordance with the procedures described in the election materials. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Is each Empire shareholder guaranteed to receive the form of consideration such shareholder elects?
</B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No. Each Empire shareholder may not receive the form of consideration that such shareholder elects in the
merger. The election, allocation and proration procedures in the amended merger agreement will result, regardless of the elections made, in 50% of outstanding shares of Empire common stock being converted into the right to receive the per share
stock consideration in the merger and the balance being converted into the right to receive the per share cash consideration. Specifically, the amended merger agreement provides </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
that a number of shares of Empire common stock equal to the product of 0.5 multiplied by the number of shares of Empire common stock issued and outstanding immediately prior to the closing
including, for the avoidance of doubt, all shares of Empire common stock subject to Empire restricted stock awards that have not been forfeited and that will fully vest at the effective time of the merger, which product is referred to as the
&#147;target cash conversion number,&#148; will be entitled to receive the cash consideration. Pursuant to the election, allocation and proration procedures set forth in the amended merger agreement, if the number of shares of Empire common stock
with respect to which a valid election has been made to receive the cash consideration (which we refer to as the &#147;cash election shares&#148;) exceeds the target cash conversion number, a pro rata portion of those shares will instead be
converted into the right to receive the stock consideration. Similarly, if the number of cash election shares is less than the target cash conversion number, a pro rata portion of the number of shares of Empire common stock with respect to which an
election has been made to receive the stock consideration (which we refer to as the &#147;stock election shares&#148;) will instead be converted into the right to receive the cash consideration. In each case, outstanding shares of Empire common
stock with respect to which no election has been made will be converted to the undersubscribed form of consideration first. Dissenting shares, if any, will be treated as cash election shares for purposes of the election, allocation and proration
procedures. The allocation of the mix of consideration payable to Empire shareholders in the merger will not be known until Flushing tallies the results of the cash/stock elections made by Empire shareholders, which will not occur until near or
after the closing of the merger. See &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Merger Consideration,&#148; beginning on page&nbsp;89. </TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What happens if an Empire shareholder does not make a valid election to receive cash or Flushing common
stock? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If an Empire shareholder does not return a properly completed election form by the election deadline, such
shareholder&#146;s shares of Empire common stock will be considered <FONT STYLE="white-space:nowrap">&#147;non-election</FONT> shares&#148; and will be converted into the right to receive the stock consideration or the cash consideration according
to the allocation procedures specified in the amended merger agreement. Generally, in the event one form of consideration (cash or shares of Flushing common stock) is undersubscribed in the merger, shares of Empire common stock for which no election
has been validly made will be allocated to that form of consideration before shares of Empire common stock electing the oversubscribed form of consideration will be subject to the allocation and proration procedures. Accordingly, while electing one
form of consideration will not guarantee you will receive that form for all of your shares of Empire common stock, in the event proration is necessary, electing shares will have a priority over
<FONT STYLE="white-space:nowrap">&#147;non-election&#148;</FONT> shares. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What will holders of Flushing common stock receive in the merger? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If the merger is completed, holders of Flushing common stock will not receive any merger consideration and will
continue to hold the shares of Flushing common stock that they currently hold. Following the merger, shares of Flushing common stock will continue to be traded on the NASDAQ under the symbol &#147;FFIC.&#148; </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>How will the merger affect Empire equity-based awards? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Empire equity-based awards will be affected as follows: </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Stock Options</I></B><I>. </I>Under the terms of the amended merger agreement, each Empire stock option, whether vested or unvested, that
is outstanding and unexercised immediately prior to such time will, at the effective time of the merger, automatically become fully vested and canceled and thereafter represent only the right to receive, in lieu of the Empire common stock issuable
upon the exercise of such stock option, an amount in cash equal to the difference between the per share merger consideration of $14.04 in cash and the per share exercise price for each share subject to the Empire stock option (without interest and
less any applicable withholding taxes). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Restricted Stock</I></B>. At the effective time of the merger, each outstanding
restricted stock award in respect of shares of Empire common stock will automatically become fully vested and the restrictions thereon will lapse. Each share of Empire common stock subject to such restricted stock award will be treated as an
outstanding share of Empire common stock and will be entitled to receive either the per share cash consideration or the per share stock consideration, based on the election, allocation and proration procedures specified in the amended merger
agreement (without interest and less any applicable withholding taxes). </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Will the value of the merger consideration change between the date of this proxy statement/prospectus and
the time the merger is completed? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Yes. The value of the stock consideration will fluctuate between the date of this proxy statement/prospectus
and the completion of the merger based upon the market price of Flushing common stock. The per share cash consideration is fixed at $14.04 and will not change. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>How does the Empire board recommend that I vote at the special meeting? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The Empire board unanimously recommends that you vote &#147;<B>FOR</B>&#148; the amendment proposal and
&#147;<B>FOR</B>&#148; the adjournment proposal. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>When and where is the meeting? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The special meeting will be held on [&#9679;], 2020, at [&#9679;] p.m. local time, at the main office of
Empire, located at 1707 Veterans Highway, Islandia, New York 11749. In the interest of the health and safety of Empire&#146;s shareholders, employees, and communities, and in light of further developments regarding the coronavirus (COVID-19) and
guidance from the Centers for Disease Control and Prevention, the World Health Organization, and federal, state and local public health authorities, Empire&#146;s board of directors has approved arrangements to enable Empire shareholders to
participate at the special meeting remotely through Empire&#146;s virtual meeting website, and Empire strongly encourages all Empire shareholders desiring to participate at the special meeting to do so in this manner. If a formal public health
directive in effect at the time of the special meeting permits Empire shareholder meetings in a virtual-only format, Empire shareholders will not be able to physically attend the special meeting and will be able to participate at the meeting solely
through Empire&#146;s virtual meeting website. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What do I need to do now? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">After you have carefully read this proxy statement/prospectus and have decided how you wish to vote your shares
of Empire voting common stock, please vote your shares promptly so that your shares are represented and voted at the special meeting. If you hold your shares in your name as a shareholder of record, please vote your shares by proxy in the manner
provided herein. If you hold your shares in &#147;street name&#148; through a broker, bank or other nominee, you must instruct the broker, bank or other nominee how to vote in accordance with the directions you have received from the broker, bank or
other nominee. &#147;Street name&#148; shareholders who wish to vote in person at the special meeting will need to obtain a legal proxy from the institution that holds their shares. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What constitutes a quorum for the special meeting? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The presence at the special meeting, in person or by proxy, of holders of a majority of the outstanding shares
of Empire common stock entitled to vote at the special meeting pursuant to the Certificate of Incorporation of Empire, as amended (which we refer to as the &#147;Empire charter&#148;) and the Bylaws of Empire, as amended (which we refer to as the
&#147;Empire bylaws&#148;), will constitute a quorum for the transaction of business. Abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT> that are otherwise properly represented at the special meeting will be included in
determining the number of shares present at the special meeting for the purpose of determining the presence of a quorum. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What is the vote required to approve each proposal at the special meeting? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B><I>Amendment proposal</I></B><I>:</I> </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Standard</U>: Approval of the amendment proposal requires the affirmative vote of at least a majority of the
outstanding shares of Empire voting common stock entitled to vote on the proposal. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Effect of abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT></U>: If you fail to vote,
mark &#147;ABSTAIN&#148; on your proxy or fail to instruct your broker, bank or other nominee with respect to the amendment proposal, it will be counted towards the quorum and will have the same effect as voting &#147;AGAINST&#148; the amendment
proposal. </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B><I>Adjournment proposal</I></B><I>:</I> </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Standard</U>: Approval of the adjournment proposal requires the affirmative vote of at least a majority of the
votes cast at the special meeting by the holders of shares of Empire voting common stock. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Effect of abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT></U>: If you fail to vote,
mark &#147;ABSTAIN&#148; on your proxy or fail to instruct your broker, bank or other nominee with respect to the adjournment proposal, it will be counted towards the quorum but will have no effect on the vote with respect to the adjournment
proposal. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Will holders of shares of Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock be entitled
to vote at the special meeting? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No. Because the Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock does not have voting
rights with respect to the amendment proposal or the adjournment proposal, the holders of outstanding shares of Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock are not entitled or permitted to vote any shares of Empire <FONT
STYLE="white-space:nowrap">non-voting</FONT> common stock at the special meeting. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Why is my vote important? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If you do not vote, it will be more difficult for the holders of Empire voting common stock to approve the
amendment proposal. In addition, your failure to submit a proxy or vote in person at the special meeting, failure to instruct your broker, bank or other nominee how to vote or abstention will have the same effect as a vote &#147;AGAINST&#148; the
amendment proposal but will have no effect on the vote with respect to the adjournment proposal. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>How many votes do I have, and how do I vote at the special meeting? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">You are entitled to one vote for each share of Empire voting common stock that you owned as of the close of
business on the record date for the special meeting. You may vote &#147;FOR,&#148; &#147;AGAINST&#148; or &#147;ABSTAIN&#148; with respect to each of the proposals presented at the special meeting. Whether or not you plan to attend the special
meeting, we urge you to vote by proxy to ensure your vote is counted. You may vote your shares by proxy in one of the following ways: </P></TD></TR></TABLE>  <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by simply completing, signing and dating the enclosed proxy card and returning it promptly in the postage-paid
return envelope provided. If you return your signed proxy card before [&#9679;]&nbsp;p.m. local time on [&#9679;], 2020, your shares will be voted as you direct; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">over the telephone by calling <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">1-800-690-6903;</FONT></FONT></FONT> or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">over the Internet at <I>www.proxyvote.com</I>. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Shareholders who hold their shares in &#147;street name&#148; should contact their broker, bank, trustee or nominee, who will provide
materials and instructions for voting your shares. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>If my shares of Empire common stock are held in &#147;street name&#148; by my broker, bank or other nominee,
will my broker, bank or other nominee automatically vote my shares for me? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No. Your broker, bank or other nominee cannot vote your shares without instructions from you. If your shares
are held in &#147;street name&#148; through a broker, bank or other holder of record, you will need to provide the record holder of your shares with instructions on how to vote those shares. Please follow the directions provided by the broker, bank
or other nominee for submitting your voting instructions. You may not vote shares held in street name by returning a proxy card directly to Empire, or by voting in person at the special meeting, unless you obtain a &#147;legal proxy&#148; from your
broker, bank or other nominee prior to attending the special meeting. Further, brokers, banks and other nominees who hold shares of Empire voting common stock on behalf of their customers may not give a proxy to Empire to vote those shares with
respect to any of the proposals without specific instructions from their customers, as brokers, banks and other nominees do not have discretionary voting power on these matters. Your failure to instruct your broker, bank or other nominee how to vote
will have the same effect as a vote &#147;AGAINST&#148; the amendment proposal. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Can I attend the special meeting and vote my shares in person? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Yes. All holders of Empire common stock, including shareholders of record and shareholders who hold their
shares through brokers, banks or other nominees, are invited to attend the special meeting. Holders of record of Empire voting common stock can vote in person at the special meeting. If you are not a shareholder of record (that is, if your shares
are held for you in &#147;street name&#148;), you must obtain a legal proxy, executed in your favor, from the record holder of your shares, such as a broker, bank or other nominee, to be able to vote in person at the special meeting. In addition,
you must bring a form of personal photo identification with you in order to be admitted to the special meeting. Empire reserves the right to refuse admittance to anyone without proper proof of share ownership or without proper photo identification.
To ensure your representation at the special meeting, we urge you to complete, sign and date the enclosed proxy card and to return it promptly in the envelope provided whether or not you plan to attend the special meeting. Returning the proxy card
will not affect your right to attend the special meeting and vote. Empire shareholders attending the meeting through our virtual meeting website will be able to vote virtually at the special meeting through the website. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Can I change my vote? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Yes. If you are a holder of record of Empire voting common stock, you may change your vote at any time before
your shares of Empire voting common stock are voted at the special meeting: (i)&nbsp;by attending the special meeting, notifying Empire&#146;s Director of Investor Relations, and voting by ballot at the special meeting; (ii)&nbsp;by delivering a
written notice of revocation to Empire&#146;s Director of Investor Relations that is received prior to the special meeting, stating that you revoke your proxy; or (iii)&nbsp;by delivering a later-dated proxy (including a telephone or Internet vote)
that is received prior to the special meeting in accordance with the instructions included on the proxy card. If you hold your shares in &#147;street name&#148; through a broker, bank or other nominee, in order to change your vote you should contact
your record holder. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What are the U.S. federal income tax consequences of the merger to Empire shareholders?
</B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">In connection with the registration statement of which this proxy statement/prospectus forms a part, Flushing
has received an opinion from Arnold &amp; Porter Kaye Scholer, LLP, and Empire has received an opinion from Fenimore, Kay, Harrison &amp; Ford LLP, that, subject to certain representations, qualifications and assumptions, it is more likely than not
that the first-step merger and the second-step merger, considered together, will qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code, and each of Flushing and Empire intend to report the merger accordingly
for U.S. federal income tax purposes. However, whether or not the intended tax treatment of the merger will be respected by the Internal Revenue Service (which we refer to as the &#147;IRS&#148;) is not free from doubt. Neither Flushing nor Empire
intends to request any ruling from the IRS as to the U.S federal income tax consequences of the merger. Therefore, no </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
assurance can be given that the IRS will not challenge the position taken by Flushing and Empire. The obligations of Flushing and Empire to complete the merger are not conditioned upon the
receipt of an opinion at closing from either Arnold&nbsp;&amp; Porter Kaye Scholer, LLP or Fenimore, Kay, Harrison&nbsp;&amp; Ford LLP as to the qualification of the merger as a &#147;reorganization&#148; within the meaning of Section 368(a) of the
Code. </TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If the first-step merger and the second-step merger, taken together, qualify as a &#147;reorganization&#148; within
the meaning of Section 368(a) of the Code, a U.S. holder (as defined in &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;Material U.S. Federal Income Tax Consequences of the Merger,&#148; beginning on page&nbsp;84) of shares of Empire common
stock generally will not recognize gain or loss for U.S. federal income tax purposes upon the exchange of its shares of Empire common stock for Flushing common stock, except that a U.S. holder generally will recognize gain (but not loss) to the
extent such holder receives cash. However, a U.S. holder of shares of Empire common stock that receives the entirety of its merger consideration in the form of cash is expected to recognize gain or loss equal to the difference between the amount of
cash received and the adjusted tax basis in the shares of Empire common stock exchanged. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">If the first step-merger and the second-step
merger, considered together, do not qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code, then an Empire shareholder generally will recognize gain or loss upon the exchange of Empire common stock in the first-step
merger equal to the difference, if any, between (i) the sum of the fair market value of the shares of Flushing common stock and the amount of cash received by such shareholder (including cash received in lieu of fractional shares of Flushing common
stock) and (ii) the shareholder&#146;s adjusted tax basis in the Empire common shares surrendered. For further information, please refer to &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;Material U.S. Federal Income Tax Consequences of the
Merger.&#148; </P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>The U.S. federal income tax consequences described above may not apply to all holders of Empire common stock. We
strongly urge you to consult your independent tax advisor for a full understanding of the application of U.S. federal income tax laws to your particular situation as well as any tax consequences arising under the U.S. federal estate or gift tax
rules, or under the laws of any state, local, <FONT STYLE="white-space:nowrap">non-U.S.</FONT> or other taxing jurisdiction or under any applicable treaty. </I></P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Are Empire shareholders entitled to dissenters&#146; rights if they do not vote in favor of the approval of
the amendment proposal? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Yes. Empire shareholders may assert dissenters&#146; rights in connection with the merger and, upon complying
with the requirements of the New York Business Corporation Law (which we refer to as the &#147;NYBCL&#148;), receive cash in the amount of the fair value of their shares instead of the merger consideration. For further information, please see
&#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Dissenters&#146; Rights,&#148; beginning on page&nbsp;78. </P></TD></TR></TABLE>  <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>If I am an Empire shareholder, should I send in my Empire stock certificate(s) now?
</B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">No. Please do not send in your Empire stock certificates with your proxy. After the merger is consummated, the
exchange agent will send you instructions for exchanging your Empire stock certificates for the merger consideration. Please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Conversion of Shares; Exchange of
Certificates,&#148; beginning on page&nbsp;93. </P></TD></TR></TABLE>  <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What should I do if I hold my shares of Empire common stock in book-entry form? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">You are not required to take any special additional actions if your shares of Empire common stock are held in
book-entry form. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What should I do if I receive more than one set of voting materials? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Empire shareholders may receive more than one set of voting materials, including multiple copies of this proxy
statement/prospectus and multiple proxy cards or voting instruction cards. For example, if you hold </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
shares of Empire voting common stock in more than one brokerage account, you will receive a separate voting instruction card for each brokerage account in which you hold such shares. If you are a
holder of record of Empire common stock, and your shares are registered in more than one name, you will receive more than one proxy card. Please complete, sign, date and return each proxy card and voting instruction card that you receive or
otherwise follow the directions set forth in this proxy statement/prospectus to ensure that you vote every share of Empire voting common stock that you own. </TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>When do Flushing and Empire expect to complete the merger? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Flushing and Empire expect to complete the merger in the fourth quarter of 2020. However, neither Flushing nor
Empire can assure you of when or if the merger will be completed. Empire must obtain the approval of the holders of Empire voting common stock with respect to the amendment proposal at the special meeting, and both Flushing and Empire must satisfy
certain customary closing conditions, including the receipt or waiver of applicable regulatory approvals related to the amendment in accordance with the prior regulatory approval orders. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What happens if the merger is not completed? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If the merger is not completed, Empire shareholders will not receive any consideration for their shares of
Empire common stock in connection with the merger. Instead, Empire will remain an independent company, and its common stock will continue to be listed on the OTCQX under the symbol &#147;EMPK.&#148; In addition, if the amended merger agreement is
terminated in certain circumstances, a termination fee may be required to be paid by Empire. Please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Termination Fee&#148; on page&nbsp;105 and &#147;Proposal No. 1:
The Amendment Proposal&#151;The Amendment&#151;Termination Fee&#148; on page&nbsp;110 for a complete discussion of the circumstances under which a termination fee will be required to be paid. </P></TD></TR></TABLE>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>What happens if the amendment is not approved by Empire shareholders at the special meeting?
</B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If the amendment is not approved by Empire shareholders at the special meeting, a closing condition to the
merger will not be satisfied. At that point in time, Empire and Flushing may choose to close the transaction under the terms of the merger agreement as approved by Empire shareholders at the special meeting held on February 27, 2020, including the
receipt of the requisite tax opinions, or either of Flushing or Empire may choose to terminate the merger agreement in accordance with its terms. </P></TD></TR></TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>How is the COVID-19 pandemic affecting the business, results of operations, financial condition, liquidity
and prospects of each of Flushing and Empire, and how are Flushing and Empire responding? </B></P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The novel Coronavirus Disease 2019 (which we refer to as &#147;COVID-19&#148;) pandemic is significantly
impacting Flushing and Empire and their customers, employees, communities and service providers. The severity of the COVID-19 pandemic, its duration and the extent of its impact on each of Flushing&#146;s and Empire&#146;s business, results of
operations, financial condition, liquidity and prospects remains uncertain. The deterioration in general business and economic conditions including in Flushing&#146;s and Empire&#146;s markets, and turbulence in the financial markets caused by
COVID-19, have negatively affected Flushing and Empire, and continued economic deterioration could adversely affect each company&#146;s results of operations, value of assets and liabilities, book value per common share, and liquidity. In addition,
continued economic and financial market disruption could further decrease the price of shares of Flushing common stock and increase stock price volatility. Some economists and investment banks believe that a significant recession may result from the
continuation of the COVID-19 pandemic and the resulting economic consequences. For more information, please see &#147;Risk Factors&#151;Risks Relating to the COVID-19 Pandemic&#148; on page&nbsp;38. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Each of Flushing and Empire has implemented measures to protect their respective
employees and promote business continuity while providing support to their respective customers and communities facing challenges due to the impacts of COVID-19. These measures have included allowing certain employees to work from home, restricting
branch lobby hours, utilizing appointment banking for in-person transactions and closing certain branches, providing loans under the Coronavirus Aid, Relief, and Economic Security Act (which we refer to as the &#147;CARES Act&#148;) Small Business
Administration Paycheck Protection Program (which we refer to as the &#147;PPP&#148;), and providing a range of loan payment deferral options. For more information, please see &#147;Information about Flushing&#148; on page&nbsp;111 and
&#147;Information about Empire&#148; on page&nbsp;111. </P>  <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>Q:</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Whom should I call with questions? </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">A:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">If you are an Empire shareholder and have any questions concerning the merger, the amendment or this proxy
statement/prospectus, would like additional copies of this proxy statement/prospectus or need help voting your shares of Empire voting common stock, please contact Empire&#146;s Director of Investor Relations, William Franz, at (631) <FONT
STYLE="white-space:nowrap">348-4444.</FONT> </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_2"></A>SUMMARY </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>This summary highlights selected information from this proxy statement/prospectus. It may not contain all of the information that is
important to you. We urge you to read carefully the entire proxy statement/prospectus, including the annexes, and the other documents to which we refer in order to fully understand the merger and the amendment. Please see &#147;Where You Can Find
More Information,&#148; beginning on page&nbsp;127. Each item in this summary refers to the page of this proxy statement/prospectus on which the section discussing that subject in more detail begins. </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_3"></A>The Merger </B>(page&nbsp;46)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing, Empire and Merger Sub entered into the merger agreement, pursuant to which Flushing will acquire Empire, such that Empire will merge
with and into Flushing, with Flushing as the surviving corporation, and Empire Bank will merge with and into Flushing Bank, with Flushing Bank surviving the bank merger. The original merger agreement, a copy of which is attached as
<U>Annex&nbsp;B</U>, and amendment no. 1, a copy of which is attached as <U>Annex&nbsp;C</U> to this proxy statement/prospectus, were previously approved by the requisite vote of the holders of Empire voting common stock on February 27, 2020.
Flushing, Empire and Merger Sub have also entered into the amendment, a copy of which is attached as <U>Annex&nbsp;A</U> to this proxy statement/prospectus. All descriptions in this summary and elsewhere in this proxy statement/prospectus of the
terms and conditions of the merger are qualified in their entirety by reference to the amended merger agreement. Please read the amended merger agreement carefully for a more complete understanding of the merger. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_3a"></A>The Amendment </B>(page&nbsp;46)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire are proposing an amendment to the merger agreement, which was previously approved by the requisite vote of the holders of
Empire voting common stock on February 27, 2020. The amendment provides, among other things, that the respective obligations of Flushing and Empire to complete the merger are no longer conditioned upon receiving tax opinions that the merger will
qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. The amendment also extended the date after which either party may terminate the merger agreement if the merger has not been completed from July 31, 2020 to
December 31, 2020 and added as a condition to the closing of the merger the receipt of the approval of the amendment by the Empire shareholders at the special meeting. All descriptions in this summary and elsewhere in this proxy statement/prospectus
of the amendment are qualified in their entirety by reference to the amendment, a copy of which is attached as <U>Annex A</U> to this proxy statement/prospectus. Please read the amendment carefully for a more complete understanding of the amendment.
</P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_4"></A>Information About Flushing </B>(page&nbsp;111)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing is a Delaware corporation and a registered bank holding company organized in 1994. Flushing&#146;s primary business is the operation
of Flushing Bank. The activities of Flushing are primarily funded by dividends, if any, received from Flushing Bank, issuances of subordinated debt and junior subordinated debt, and issuances of equity securities. Flushing Bank was organized in 1929
as a New York state-chartered mutual savings bank. Today Flushing Bank operates as a full-service New York state-chartered commercial bank. Flushing Bank owns three subsidiaries: Flushing Preferred Funding Corporation, Flushing Service Corporation,
and FSB Properties Inc. Flushing Bank also operates an internet branch, which operates under the brands of iGObanking.com<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> and
BankPurely<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing Bank&#146;s principal business is attracting retail
deposits from the general public and investing those deposits, together with funds generated from ongoing operations and borrowings, primarily in (i)&nbsp;originations and purchases of multi-family residential properties, commercial business loans,
commercial real estate mortgage loans and, to a lesser extent, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-to-four</FONT></FONT> family (focusing on <FONT STYLE="white-space:nowrap">mixed-use</FONT> properties, which are
properties that contain both residential dwelling units and commercial units); (ii) construction loans; (iii)&nbsp;Small Business </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Administration loans; (iv)&nbsp;mortgage loan surrogates such as mortgage-backed securities; and (v)&nbsp;U.S. government securities, corporate fixed-income securities and other marketable
securities. Flushing also originates certain other consumer loans, including overdraft lines of credit. At June&nbsp;30, 2020, Flushing had total assets of $7.2&nbsp;billion, deposits of $5.0&nbsp;billion and stockholders&#146; equity of
$571.9&nbsp;million. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s principal executive offices are located at 220 RXR Plaza, Uniondale, New York 11556, Attention:
Susan Cullen, Chief Financial Officer, and its telephone number at that location is (718) <FONT STYLE="white-space:nowrap">961-5400.</FONT> Additional information about Flushing and its subsidiaries is included in documents incorporated by reference
into this proxy statement/prospectus. Please see &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In
March 2020, the World Health Organization recognized the outbreak of COVID-19 as a pandemic. The spread of COVID-19 has created a global public health crisis that has resulted in unprecedented uncertainty, volatility and disruption in financial
markets and in governmental, commercial and consumer activity in the United States and globally, including the markets Flushing serves. In response to the pandemic, the government issued orders to shelter in place and maintain social distancing and
closed businesses that were not deemed essential. Flushing responded to the pandemic with new health and safety measures, including social distancing, appointment banking and utilization of recently enhanced Flushing remote capabilities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During these tumultuous times, Flushing is actively assisting its customers by providing short-term forbearances in the form of deferrals of
interest, principal and/or escrow for terms ranging from one to six months. At June 30, 2020, Flushing has 808 active forbearances for loans with an aggregate outstanding loan balance of approximately $1.3 billion of which 82% is in Flushing&#146;s
real estate portfolio and 18% is in Flushing&#146;s business banking portfolio. Given the pandemic and current economic environment, Flushing continues to work with its customers to modify loans. Flushing actively participated in the PPP, closing
$93.2 million of these loans through June 30, 2020. Flushing is also participating in the Main Street Lending Program and the FHLBNY Small Business Recovery Grant Program, helping Flushing&#146;s customers and communities navigate through the
current environment. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_5"></A>Information About Empire </B>(page&nbsp;111)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire is a New York corporation and registered bank holding company, headquartered in Islandia, New York, and the sole shareholder of Empire
Bank, a national banking association. Empire has no material business operations at the holding company level other than owning and managing Empire Bank. Empire Bank commenced banking operations on February&nbsp;25, 2008 and offers a broad range of
commercial and consumer banking services to small and <FONT STYLE="white-space:nowrap">mid-sized</FONT> businesses, professional practices, municipalities and <FONT STYLE="white-space:nowrap">non-profit</FONT> organizations, as well as their owners,
managers and employees, through a network of four full-service banking offices in Islandia, Shirley, Port Jefferson Station and Mineola, New York. As of June&nbsp;30, 2020, Empire had consolidated total assets of $1.1&nbsp;billion, net loans of
$690.2&nbsp;million, total deposits of $933.1&nbsp;million and total shareholders&#146; equity of $89.0&nbsp;million. Empire does not file reports with the SEC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s principal executive offices are located at 1707 Veterans Highway, Islandia, New York 11749, Attention: Director of Investor
Relations, William Franz, and its telephone number at that location is (631) <FONT STYLE="white-space:nowrap">348-4444.</FONT> See &#147;Information About Empire,&#148; beginning on page&nbsp;111, for more information about Empire. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although the COVID-19 pandemic has resulted in significant disruptions to business activity in markets served by Empire, Empire has been
active in its response to its customers, employees and communities. Empire has implemented a number of key operational initiatives in response to the pandemic, which have included activating pandemic response initiatives to keep all offices open,
with all drive-throughs and walk ups fully operational, while placing certain limitations on physical access to branch lobbies; enhancing and activating remote capabilities for off-site work by employees and initiating staff rotation schedules to
mitigate business </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
continuity risks; practicing social distancing with both customers and employees working in Empire&#146;s offices; limiting work-related travel; evaluating the potential for loan impairment
within its portfolio; tracking pandemic impacted relationships and general economic conditions in its markets; monitoring and evaluating the varying governmental responses to the pandemic on the business of the bank and its customers; and enhancing
its liquidity position and funding sources to support current and future customer needs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, Empire has been active in serving
the needs of customers impacted by COVID-19 in a variety of ways. Empire has assisted numerous customers through the grant of loan deferral and modification agreements. As of June 30, 2020, deferral arrangements with respect to 165 loans totaling
$209.8 million in aggregate principal amount were outstanding, down from a high of 175 loans totaling $220.1 million in aggregate principal amount during the second quarter of 2020. In addition, Empire was an active lender in the PPP, closing on 254
PPP loans with an aggregate principal amount of $60.0 million during the second quarter of 2020. Empire is also participating in the FHLBNY Small Business Recovery Grant Program and has assisted customers secure grants thereafter. In light of the
ongoing impact of the COVID-19 pandemic, Empire expects to continue its activities in support of its customers and communities through loan deferrals and modifications, governmental assistance programs and other measures for the foreseeable future.
</P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_6"></A>Consideration to Be Paid to Empire Shareholders </B>(page&nbsp;89)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the terms of the amended merger agreement, at the effective time, each share of Empire common stock issued and outstanding immediately
prior to the effective time, except for shares of Empire common stock held by Empire as treasury stock, certain shares held by Flushing, if any, and shares held by Empire shareholders who properly exercise their rights under applicable law to
dissent from the merger, will be converted into the right to receive either (i) 0.6548 shares of Flushing common stock or (ii) $14.04 in cash, without interest. The form of merger consideration to be received in exchange for each outstanding share
of Empire common stock will be determined based upon the election of each Empire shareholder, subject to the election, allocation and proration procedures specified in the amended merger agreement, which provide for an aggregate split of total
consideration consisting of 50% Flushing common stock and 50% cash, as described beginning on page&nbsp;89 of this proxy statement/prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As a result of the foregoing, based on the number of shares of Flushing common stock and Empire common stock currently outstanding, Empire
shareholders who receive shares of Flushing common stock in the merger are expected to own up to approximately 8.3% of the outstanding Flushing common stock immediately following the merger (without giving effect to any shares of Flushing common
stock held by Empire shareholders prior to the merger). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The per share cash consideration is fixed at $14.04 and will not change; however,
the market value of the per share stock consideration will fluctuate with the market price of Flushing common stock both prior to and after the time Empire shareholders vote on the merger. Flushing common stock is traded on the NASDAQ under the
symbol &#147;FFIC.&#148; Empire common stock is traded on the OTCQX under the symbol &#147;EMPK.&#148; Based on the closing price of Flushing common stock of $12.01 on August 14, 2020, the last trading day before the date of the public announcement
of the amendment, the exchange ratio represented approximately $7.86 in value for each share of Empire common stock. Based on the closing price of Flushing common stock of $22.06 on October&nbsp;24, 2019, the last trading day before the date of the
public announcement of the merger, the exchange ratio represented approximately $14.44 in value for each share of Empire common stock. Based on Flushing&#146;s closing price of $[&#9679;] on [&#9679;], 2020, the latest practicable trading day before
the date of this proxy statement/prospectus, the exchange ratio represented approximately $[&#9679;] in value for each share of Empire common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither the exchange ratio nor the per share cash consideration has been altered by the amendment. </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based on the exchange ratio and the number of shares of Empire common stock currently
outstanding, including unvested shares of restricted stock which will vest upon the closing of the merger, the maximum number of shares of Flushing common stock issuable in the merger is 2,557,745. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><A NAME="rom922344_7"></A><B>The Empire Board Unanimously Recommends that Holders of Empire Voting Common Stock Vote &#147;FOR&#148; the Amendment Proposal
and &#147;FOR&#148; the Adjournment Proposal</B> (page&nbsp;41) </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Empire board unanimously approved the amendment, determined that the
amendment and the merger are in the best interest of Empire and Empire shareholders and declared the amendment to be advisable. The Empire board unanimously recommends that holders of Empire voting common stock vote &#147;<B>FOR</B>&#148; the
amendment proposal and &#147;<B>FOR</B>&#148; the adjournment proposal. For the factors considered by the Empire board in reaching its decision to approve the amendment, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger
and the Amendment&#151;Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the Empire Board,&#148; beginning on page&nbsp;
52. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_8"></A>Opinion of Piper Sandler &amp; Co. </B>(page&nbsp;54 and <U>Annex D</U>)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In deciding to approve the amendment, the amended merger agreement and the transactions contemplated by the amended merger agreement, the
Empire board considered, among other things, the opinion of Piper Sandler &amp; Co. (f/k/a Sandler O&#146;Neill&nbsp;&amp; Partners, L.P.) (which we sometimes refer to as &#147;Piper Sandler&#148;), to the effect that, as of August 11, 2020 and
subject to the procedures followed, assumptions made, matters considered and qualifications and limitations on the review undertaken by Piper Sandler as set forth in the opinion, the merger consideration to be received by the holders of Empire
common stock in the merger was fair, from a financial point of view, to such holders. The full text of the Piper Sandler opinion is attached as <U>Annex&nbsp;D</U> to this proxy statement/prospectus. The opinion outlines the procedures followed,
assumptions made, matters considered and qualifications and limitations on the review undertaken by Piper Sandler in rendering its opinion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders are urged to read the entire opinion carefully in connection with their consideration of the amendment proposal. Piper
Sandler&#146;s written opinion is addressed to the Empire board and does not constitute a recommendation as to how any holder of Empire voting common stock should vote with respect to the amendment proposal. Piper Sandler&#146;s opinion did not
address the underlying business decision of Empire to engage in the transaction, the form or structure of the transaction or any other transactions contemplated in the amended merger agreement, the relative merits of the transaction as compared to
any other alternative transactions or business strategies that might exist for Empire or the effect of any other transaction in which Empire might engage. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_9"></A>Treatment of Empire Equity-Based Awards </B>(page&nbsp;92)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Stock Options.</I> At the effective time of the merger, each Empire stock option, whether vested or unvested, that is outstanding and
unexercised immediately prior to the effective time will automatically become fully vested and canceled and thereafter represent only the right to receive, in lieu of the Empire common stock issuable upon the exercise of such stock option, an amount
in cash equal to the difference between the per share merger consideration of $14.04 in cash and the per share exercise price for each share subject to the Empire stock option (without interest and less any applicable withholding taxes). For further
information, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Structure of the Merger&#151;Treatment of Stock Options,&#148; beginning on page&nbsp;92. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Restricted Stock</I>. At the effective time of the merger, each outstanding restricted stock award in respect of shares of Empire common
stock will automatically become fully vested and the restrictions thereon will lapse. Each share of Empire common stock subject to such restricted stock award will be treated as an outstanding share </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
of Empire common stock and will be entitled to receive either the per share cash consideration or the per share stock consideration, based on the election, allocation and proration procedures
specified in the amended merger agreement (without interest and less any applicable withholding taxes). For further information, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Structure of the
Merger&#151;Treatment of Restricted Stock,&#148; beginning on page&nbsp;92. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_10"></A>Empire Will Hold the Special Meeting on
[</B>&#9679;<B></B><B>], 2020 </B>(page 41)<B> </B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The special meeting will be held on [&#9679;], 2020, at [&#9679;] local time, at
the main office of Empire, located at 1707 Veterans Highway, Islandia, New York 11749. At the special meeting, holders of Empire voting common stock will be asked to: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">approve the amendment proposal; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">approve the adjournment proposal. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Only holders of record of Empire voting common stock at the close of business on the record date for the special meeting will be entitled to
vote at the special meeting. Each share of Empire voting common stock is entitled to one vote on the amendment proposal. On the record date for the special meeting, there were 6,720,154&nbsp;shares of Empire common stock entitled to vote at the
special meeting. The directors and executive officers of Empire and their affiliates beneficially owned, and were entitled to vote, approximately 804,685 shares of Empire voting common stock, representing approximately 11.97% of the shares of Empire
voting common stock outstanding on the record date for the special meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s board of directors has approved arrangements to
enable Empire shareholders to participate at the special meeting remotely through Empire&#146;s virtual meeting website located at www.virtualshareholdermeeting.com/EMPK2020. To participate in the special meeting through Empire&#146;s virtual
meeting website, Empire shareholders will need the 16-digit control number included on the proxy card. If a formal public health directive in effect at the time of the special meeting permits Empire shareholder meetings in a virtual-only format,
shareholders will not be able to physically attend the special meeting and will be able to participate at the special meeting solely through Empire&#146;s virtual meeting website. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_11"></A>Special Meeting Proposals: Votes Required; Treatment of Abstentions and Broker <FONT STYLE="white-space:nowrap">Non-Votes</FONT>
</B>(page&nbsp;42)<B> </B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Amendment proposal: </I></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Standard</U>: Approval of the amendment proposal requires the affirmative vote of at least a majority of the
outstanding shares of Empire voting common stock entitled to vote on the proposal. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Effect of abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT></U>: If you fail to vote,
mark &#147;ABSTAIN&#148; on your proxy or fail to instruct your broker, bank or other nominee with respect to the amendment proposal, it will be counted towards quorum and will have the same effect as a vote &#147;AGAINST&#148; the amendment
proposal. </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Adjournment proposal: </I></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Standard</U>: Approval of the adjournment proposal requires the affirmative vote of at least a majority of the
votes cast at the special meeting by the holders of shares of Empire voting common stock. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><U>Effect of abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT></U>: If you fail to vote,
mark &#147;ABSTAIN&#148; on your proxy or fail to instruct your broker, bank or other nominee with respect to the adjournment proposal, it will be counted towards the quorum but will have no effect on the vote with respect to the adjournment
proposal. </P></TD></TR></TABLE>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_12"></A>The Directors, Certain Executive Officers and a Certain Large Shareholder
of Empire, and the Directors of Empire Bank, Entered into Voting Agreements </B>(page 44)<B> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to voting agreements more fully
described under &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Director, Executive Officer and Large Shareholder Voting Agreements,&#148; beginning on page&nbsp;105, each of Empire&#146;s directors, certain of
Empire&#146;s executive officers and Patriot Financial Partners&nbsp;II, L.P. and Patriot Financial Partners Parallel&nbsp;II, L.P. (which we collectively refer to as &#147;Patriot&#148;) entered into separate written agreements in which they
collectively agreed, among other things, to vote their shares of Empire voting common stock for the approval of the merger agreement, as amended, supplemented or otherwise modified from time to time. The forms of voting agreements separately
executed by each of Empire&#146;s directors and certain of Empire&#146;s executive officers, and by Patriot, are attached as <FONT STYLE="white-space:nowrap">Exhibits&nbsp;A-1</FONT> and A-2, respectively, to the merger agreement. As of the record
date for the special meeting, the members of the Empire board, certain of Empire&#146;s executive officers and Patriot, in each case, who entered into a voting agreement, beneficially owned, in the aggregate, approximately 1,426,846 shares of Empire
voting common stock (not including shares underlying any vested or unvested stock options), or approximately 21.23% of the outstanding Empire voting common stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_13"></A>Empire&#146;s Directors and Executive Officers Have Financial Interests in the Merger that Differ from Your Interests
</B>(page&nbsp;72)<B> </B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders should be aware that Empire&#146;s directors and executive officers have interests in
the merger that are different from, or in addition to, interests of Empire shareholders generally. These interests include, among others: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The amended merger agreement provides for the accelerated vesting of all Empire equity awards and cash out of all
vested and unvested stock options. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s executive officers are party to certain executive employment agreements or change in control
agreements that provide for payments upon completion of the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Certain of Empire&#146;s executive officers have entered into new service agreements with Flushing that set forth
the terms of their respective employment or consulting relationship with Flushing following the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s directors and executive officers have rights to ongoing indemnification and insurance coverage by
Flushing for acts or omissions occurring prior to the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The amended merger agreement provides that Douglas C. Manditch will be appointed to the Flushing board and the
Flushing Bank board upon consummation of the merger. In addition, in connection with the merger and effective as of the closing, Flushing Bank and Mr.&nbsp;Manditch have entered into a consulting agreement under which he will provide certain
advisory services to Flushing and Flushing Bank for a three-year period following the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">In connection with the merger and effective as of the closing, Flushing and Mr.&nbsp;Buonaiuto have entered into
an employment agreement under which he will serve as a senior executive vice president of Flushing. </P></TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Please see
&#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Interests of Certain Persons in the Merger,&#148; beginning on page&nbsp;72, for a more detailed description of these interests. The Empire board was aware of
the different or additional interests set forth in this proxy statement/prospectus and considered such interests along with other matters in approving the amendment and the transactions contemplated by the amended merger agreement. </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_14"></A>The Merger Will Be Accounted for as an Acquisition </B>(page&nbsp;77)<B>
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For accounting and financial reporting purposes, the merger will be accounted for under the acquisition method of accounting for
business combinations in accordance with generally accepted accounting principles. Under the acquisition method of accounting, the assets (including identifiable intangible assets) and liabilities (including executory contracts and other
commitments) of Empire as of the effective time of the merger will be recorded at their respective fair values and added to those of Flushing. Any excess of purchase price over the fair values of net assets acquired will be recorded as goodwill. See
&#147;Proposal No.&nbsp;1: The&nbsp;Amendment Proposal&#151;The Merger and the Amendment&#151;Accounting Treatment,&#148; beginning on page&nbsp;
77. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_15"></A>Flushing&#146;s and Empire Bank&#146;s Management and Operations after the Merger </B>(page&nbsp;77)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Effective upon completion of the merger and the bank merger, respectively, Douglas C. Manditch, the Chairman of the Empire board and the Empire
Bank board, will join the Flushing board of directors (which we refer to as the &#147;Flushing board&#148;) and the Flushing Bank board of directors (which we refer to as the &#147;Flushing Bank board&#148;) as a director. Thomas M. Buonaiuto will
serve as a Senior Executive Vice President of Flushing and Flushing Bank, effective upon completion of the merger and the bank merger, respectively. All of the other Empire directors and Empire Bank directors will cease to hold board positions upon
completion of the merger and the bank merger, respectively. The Flushing board, the Flushing Bank board and principal executive officers of Flushing and Flushing Bank will not otherwise change as a result of the merger or the bank merger. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_16"></A>Empire Shareholders Have Dissenters&#146; Rights in Connection with the Merger </B>(page&nbsp;78)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders are entitled to assert dissenters&#146; rights with respect to the merger and may receive cash in the amount of the fair
value of their shares of Empire common stock instead of the merger consideration. These dissenters&#146; rights are conditioned on strict compliance with the requirements of Sections 623 and 910 of the NYBCL. Each Empire shareholder who wishes to
dissent from the merger should read carefully both &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Dissenters&#146; Rights,&#148; beginning on page&nbsp;78, and the full text of Sections&nbsp;623 and 910 of
the NYBCL, which is reproduced in full in <U>Annex </U>E to this proxy statement/prospectus. Failure to timely comply with the procedures specified therein will result in the complete loss of dissenters&#146; rights. Accordingly, if you wish to
dissent from the merger and demand the fair value of your Empire common stock in cash, you should consult your own legal counsel. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_17">
</A>Regulatory Approvals Required for the Merger and the Amendment </B>(page&nbsp;81)<B> </B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Completion of the merger is subject to
(i)&nbsp;receipt of the approval of each of the Federal Deposit Insurance Corporation (&#147;FDIC&#148;) and the New York State Department of Financial Services (&#147;NYDFS&#148;) for the merger of Empire Bank with and into Flushing Bank, with
Flushing Bank as the surviving institution, and (ii)&nbsp;waiver by the Board of Governors of the Federal Reserve System (the &#147;Federal Reserve Board&#148;) of the application and prior approval requirements of the Bank Holding Company Act of
1956, as amended (the &#147;BHCA&#148;), for the <FONT STYLE="white-space:nowrap">two-step</FONT> transaction involving the merger of Merger Sub with and into Empire, with Empire as the surviving institution, and the subsequent merger of Empire with
and into Flushing, with Flushing as the surviving institution. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to the amendment, Flushing had obtained the necessary regulatory
approvals from the FDIC and the NYDFS, and had been granted a waiver from the Federal Reserve Board of the BHCA application and approval requirements, with respect to the transactions contemplated by the merger agreement. Completion of the merger as
set forth in the amended merger agreement is subject to the receipt or waiver of regulatory approvals related to the amendment, as may be required under the prior approval orders of the FDIC and the NYDFS, as well as the satisfaction of other
conditions set forth therein. Flushing has obtained the requisite approval of the FDIC as contemplated by the FDIC approval order and has requested that the NYDFS confirm that no further approval is required. </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For more information, please see &#147;Proposal No.&nbsp;1: The Amendment
Proposal&#151;The Merger and the Amendment&#151;Regulatory Approvals Required for the Amendment,&#148; beginning on page&nbsp;
81. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_18"></A>Material U.S. Federal Income Tax Consequences of the Merger </B>(page&nbsp;84)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the registration statement of which this proxy statement/prospectus forms a part, Flushing has received an opinion from
Arnold &amp; Porter Kaye Scholer, LLP, and Empire has received an opinion from Fenimore, Kay, Harrison &amp; Ford LLP, that, subject to certain representations, qualifications and assumptions, it is more likely than not that the first-step merger
and the second-step merger, considered together, will qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code, and each of Flushing and Empire intend to report the merger accordingly for U.S. federal income tax
purposes. However, whether or not the intended tax treatment of the merger will be respected by the IRS is not free from doubt. Neither Flushing nor Empire intends to request any ruling from the IRS as to the U.S federal income tax consequences of
the merger. Therefore, no assurance can be given that the IRS will not challenge the position taken by Flushing and Empire. The obligations of Flushing and Empire to complete the merger are not conditioned upon the receipt of an opinion at closing
from either Arnold&nbsp;&amp; Porter Kaye Scholer LLP or Fenimore, Kay, Harrison&nbsp;&amp; Ford LLP as to the qualification of the merger as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the first-step merger and the second-step merger, taken together, qualify as a &#147;reorganization&#148; within the meaning of Section
368(a) of the Code, subject to the limitations and more detailed discussion set forth in &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;Material U.S. Federal Income Tax Consequences of the Merger,&#148; beginning on page&nbsp;84, an Empire
shareholder that is a U.S. holder generally will not recognize gain or loss for U.S. federal income tax purposes upon the exchange of its shares of Empire common stock for Flushing common stock, except that a U.S. holder generally will recognize
gain (but not loss) to the extent it receives cash. However, a U.S. holder of shares of Empire common stock that receives the entirety of its merger consideration in the form of cash is expected to recognize gain or loss equal to the difference
between the amount of cash received and the adjusted tax basis in the shares of Empire common stock exchanged. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the first step-merger
and the second-step merger, considered together, do not qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code, then an Empire shareholder generally will recognize gain or loss upon the exchange of Empire common
stock in the first-step merger equal to the difference, if any, between (i) the sum of the fair market value of the shares of Flushing common stock and the amount of cash received by such shareholder (including cash received in lieu of fractional
shares of Flushing common stock) and (ii) the shareholder&#146;s adjusted tax basis in the Empire common shares surrendered. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>Tax
matters are complicated, and the tax consequences of the merger to any particular Empire shareholder will depend in part on that shareholder&#146;s individual circumstances. Accordingly, each Empire shareholder is urged to consult his or her own tax
advisor for a full understanding of the tax consequences of the merger to that shareholder, including the applicability and effect of U.S. federal, state, local and <FONT STYLE="white-space:nowrap">non-U.S.</FONT> income and other tax laws. </B></P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_19"></A>Conditions that Must Be Satisfied or Waived for the Merger to Occur </B>(page&nbsp;103 and page&nbsp;109)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s and Empire&#146;s respective obligations to complete the merger are subject to the satisfaction or waiver (to the extent
permitted under applicable law) of certain conditions, including: (i)&nbsp;the adoption and approval of the amendment proposal by the requisite vote of the Empire shareholders; (ii)&nbsp;authorization for listing on the NASDAQ of the shares of
Flushing common stock to be issued pursuant to the amended merger agreement; (iii)&nbsp;the receipt or waiver of regulatory approvals related to the amendment in accordance with the prior regulatory approval orders and the satisfaction of conditions
set forth therein; (iv)&nbsp;the effectiveness of the registration statement on Form <FONT STYLE="white-space:nowrap">S-4,</FONT> of which this proxy statement/prospectus is a part, that Flushing has filed
</P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
with the SEC with respect to the Flushing common stock to be issued upon consummation of the merger (which we refer to as the &#147;registration statement&#148;); (v) the absence of any order,
injunction, decree or other legal restraint or prohibition preventing the consummation of the merger and of any statute, rule, regulation, order, injunction or decree making the consummation of the merger illegal; (vi)&nbsp;subject to the
materiality standards provided in the amended merger agreement, the truth and correctness of the representations and warranties of each of Flushing and Empire; and (vii)&nbsp;performance in all material respects by each of Flushing and Empire of its
obligations under the amended merger agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s obligations to complete the merger are subject to the satisfaction or
waiver of the following additional conditions: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">since October 24, 2019, no condition, event, fact, circumstance or other occurrence shall have occurred that has
resulted in a material adverse effect on Empire or that would reasonably be expected to have a material adverse effect on Empire or the surviving corporation; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The continuing effectiveness of the employment agreement entered into by and between Mr.&nbsp;Thomas&nbsp;M.
Buonaiuto and Flushing as of October&nbsp;24, 2019; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The continuing effectiveness of the consulting agreement entered into by and between Mr.&nbsp;Douglas&nbsp;C.
Manditch and Flushing Bank as of October&nbsp;24, 2019; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing&#146;s receipt of (i)&nbsp;an affidavit issued by Empire stating that Empire is not and has not been a
United States real property holding corporation and (ii)&nbsp;a notice from Empire to the IRS in accordance with the requirements of Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.897-2(h)(2).</FONT> </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s obligations to complete the merger are subject to the satisfaction or waiver of the following additional condition: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing having furnished Empire with evidence reasonably satisfactory to Empire of Flushing&#146;s purchase of
extended reporting period coverage with respect to Empire&#146;s existing directors&#146; and officers&#146; liability insurance policy (which we refer to as a &#147;tail policy&#148;), if Empire will not have elected to purchase a tail policy prior
to the effective time. </P></TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither Empire nor Flushing can be certain when, or if, the conditions precedent to the
merger will be satisfied or waived, or that the merger will be completed. For more information, please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Conditions to Complete the Merger,&#148; beginning on
page&nbsp;103, and &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Amendment&#151;Conditions to Complete the Merger,&#148; beginning on page&nbsp;109. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_20"></A>Termination of the Amended Merger Agreement </B>(page&nbsp;104 and page&nbsp;109)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amended merger agreement may be terminated at any time prior to the effective time as follows: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by the mutual written consent of Flushing and Empire; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by either party, if any governmental approval required for the merger is denied by a final, <FONT
STYLE="white-space:nowrap">non-appealable</FONT> action or an application for such approval is withdrawn at the request of a governmental entity, or if any governmental entity of competent jurisdiction issues a final,
<FONT STYLE="white-space:nowrap">non-appealable</FONT> order permanently enjoining or otherwise prohibiting or making illegal the consummation of the merger; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by either party, if the merger has not been consummated by December 31, 2020 (which we refer to as the
&#147;termination date&#148;), unless the failure of the closing to have occurred by the termination date was due to a material breach of any representation, warranty, covenant or agreement by the party seeking to
</P></TD></TR></TABLE>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">
terminate the amended merger agreement, provided that if additional time is necessary in order to obtain any governmental approval required for the merger, the termination date will be
automatically extended for one additional <FONT STYLE="white-space:nowrap">two-month</FONT> period; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">subject to cure rights, by either party, if there has been a breach of any of the covenants or agreements or any
of the representations or warranties set forth in the amended merger agreement on the part of the other party, which breach would constitute the failure of a closing condition. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the amended merger agreement may be terminated: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by Flushing prior to the time that the requisite Empire shareholder vote for adoption of the amendment has been
obtained, if the Empire board failed to recommend that the Empire shareholders adopt the amendment, if the Empire board failed to recommend against acceptance of an alternative acquisition proposal, if Empire approved, adopted or endorsed an
alternative acquisition proposal or if Empire or the Empire board has breached its obligations with respect to the <FONT STYLE="white-space:nowrap">non-solicitation</FONT> of offers or alternative acquisition proposals. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For more information, please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Termination of the Merger
Agreement,&#148; beginning on page&nbsp;104, and &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Amendment&#151;Termination of the Amended Merger Agreement,&#148; beginning on page&nbsp;109. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_21"></A>Termination Fee </B>(page&nbsp;105 and page&nbsp;110)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the amended merger agreement is terminated under circumstances involving changes in the recommendation of the Empire board and alternative
acquisition proposals, Empire may be required to pay to Flushing a termination fee in the amount of $3.3&nbsp;million. This termination fee might discourage a potential competing acquirer that might have an interest in acquiring all or a significant
part of Empire from considering or proposing such an acquisition. For more information, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Termination Fee,&#148; beginning on page&nbsp;105, and &#147;Proposal
No. 1: The Amendment Proposal&#151;The Amendment&#151;Termination Fee,&#148; beginning on page&nbsp;110. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_22"></A>The Rights of
Empire Shareholders Will Change as a Result of the Merger </B>(page&nbsp;117)<B> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, certain holders of
Empire common stock will become holders of Flushing common stock. The rights of Empire shareholders who become Flushing shareholders will change as a result of the merger due to differences in Flushing and Empire&#146;s governing documents and the
statutes governing each of them, as well as rules governing public companies such as Flushing. Flushing is incorporated in Delaware and is subject to the General Corporation Law of the State of Delaware (which we refer to as the &#147;DGCL&#148;),
and Empire is incorporated in New York and is subject to the NYBCL. The rights of Empire&nbsp;shareholders who receive shares of Flushing common stock in exchange for their shares of Empire common stock will be governed by Flushing&#146;s charter
and bylaws, as well as the rules and regulations applicable to public companies. Please see &#147;Comparison of Shareholder Rights,&#148; beginning on page&nbsp;117, for more information and a description of the material differences in shareholder
rights under each of Flushing&#146;s and Empire&#146;s governing documents. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_23"></A>Risk Factors </B>(page&nbsp;31)<B> </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should consider all the information contained in or incorporated by reference into this proxy statement/prospectus in deciding how to vote
on the amendment proposal and the adjournment proposal. In particular, you should consider the factors described under &#147;Risk Factors,&#148; beginning on page&nbsp;31. </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_24"></A>FLUSHING SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth selected historical consolidated financial data for Flushing (i)&nbsp;as of and for the six months
ended June&nbsp;30, 2020 and 2019, and (ii)&nbsp;as of and for each of the five years ended December&nbsp;31, 2019. The summary historical consolidated financial data (i)&nbsp;as of and for each of the five years ended December&nbsp;31, 2019 were
derived from Flushing&#146;s audited consolidated financial statements, and (ii)&nbsp;as of and for the six months ended June&nbsp;30, 2020 and 2019 were derived from Flushing&#146;s unaudited consolidated financial statements. Flushing&#146;s
historical results are not necessarily indicative of the results that may be expected for any future period. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="44%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">At or for the six months<BR>ended June 30<br>(unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">At or for the years ended December&nbsp;31,</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2020</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2018</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center"><B></B><I>(dollars in thousands, except per share data)</I><B></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Selected Financial Condition Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,162,659</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">&nbsp;6,945,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,017,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,834,176</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,299,274</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,058,487</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,704,634</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,946,565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,616,903</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,750,455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,530,539</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,156,648</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,813,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,366,444</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,002</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60,186</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58,888</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32,018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,886</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,735</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,180</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Securities available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">675,310</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">808,653</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">772,500</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">822,655</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">738,354</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">861,381</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">993,397</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,098,399</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,877,917</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,066,424 </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,960,784</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,383,278</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,205,631</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,892,547</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,305,187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,371,890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,237,231</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,250,843</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,309,653</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,266,563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,271,676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Total stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">571,921</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">565,390</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">579,672</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">549,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">532,608</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">513,853</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">473,067</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Book value per common share (1)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.59 </TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 19.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 18.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 17.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 16.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Selected Operating Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Interest and dividend income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">131,442</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 139,388</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">278,956</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 256,998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 234,585</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 220,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 204,146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,899</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,576</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117,016</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,592</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,911</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49,726</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89,543</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81,812</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">161,940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,406</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">173,107</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,086</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">154,420</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Provision (benefit) for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16,797</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,446</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,811</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,861</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(956</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest income after provision (benefit) for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72,746</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,366</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159,129</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">166,831</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">163,246</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167,086</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155,376</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;Non-interest</FONT> income:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net (losses) gains on sales of securities and loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(49</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">855</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,752</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">589</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net gains on sales of building</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">48,018</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,537</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net gains on sales of assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">770</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">770</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,141</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net gain (loss) from fair value adjustments</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,036</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5,353</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4,122</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,465</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3,434</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,841</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Other income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,498</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,199</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,070</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,410</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,844</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,434</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total <FONT STYLE="white-space:nowrap">non-interest</FONT> income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,873</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,394</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,471</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,337</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,536</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,719</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&nbsp;&nbsp;Non-interest</FONT> expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115,269</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111,683</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">107,474</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">118,603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97,719</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Income before income tax provision</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,484</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23,183</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53,331</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65,485</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">66,134</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">106,019</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73,376</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Income tax provision</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,602</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,559</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,052</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,395</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,013</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,103</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16,882</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17,624</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">41,279</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 55,090</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 41,121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 64,916</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 46,209</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Basic earnings per common share&nbsp;(2)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 2.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Diluted earnings per common share&nbsp;(2)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 2.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Dividends declared per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Dividend payout ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.9</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41.7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51.1</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30.4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR></TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="right"><I>Continued on next page </I></P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="44%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">At or for the six<BR>months ended June 30<br>(unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">At or for the years ended December&nbsp;31,</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2020</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2018</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Selected Financial Ratios and Other Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Performance ratios:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Return on average assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.66</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.86</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Return on average equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Average equity to average assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Equity to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Interest rate spread</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-interest</FONT> expense to average assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Average interest-earning assets to average interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Regulatory capital ratios: (3)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Tier 1 leverage capital (well capitalized = 5%)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.69 </TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.65 </TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.85</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.89</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Common equity tier 1 risk-based capital (well capitalized = 6.5%)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Tier 1 risk-based capital (well capitalized =8%)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total risk-based capital (well capitalized =10%)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Asset quality ratios:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> loans to gross loans&nbsp;(4)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.60</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> assets to total assets&nbsp;(5)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net charge-offs (recoveries) to average loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.02</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Allowance for loan losses to gross loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Allowance for loan losses to total <FONT STYLE="white-space:nowrap">non-performing</FONT>
assets&nbsp;(5)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">134.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8.5pt; font-family:Times New Roman">Allowance for loan losses to total <FONT STYLE="white-space:nowrap">non-performing</FONT>
loans&nbsp;(4)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">181.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">136.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">164.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">103.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Full-service customer facilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">Calculated by dividing stockholders&#146; equity by shares outstanding. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">The shares held in Flushing&#146;s Employee Benefit Trust are not included in shares outstanding for purposes of
calculating earnings per share. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">Represents Flushing Bank&#146;s capital ratios, which exceeded all minimum regulatory capital requirements
during the periods presented. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left"><FONT STYLE="white-space:nowrap">Non-performing</FONT> loans consist of
<FONT STYLE="white-space:nowrap">non-accrual</FONT> loans and loans delinquent 90 days or more that are still accruing. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left"><FONT STYLE="white-space:nowrap">Non-performing</FONT> assets consist of
<FONT STYLE="white-space:nowrap">non-performing</FONT> loans, real estate owned and <FONT STYLE="white-space:nowrap">non-performing</FONT> investment securities. </P></TD></TR></TABLE>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_25"></A>EMPIRE SELECTED HISTORICAL CONSOLIDATED FINANCIAL DATA </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth selected historical consolidated financial data for Empire (i)&nbsp;as of and for the six months ended
June&nbsp;30, 2020 and 2019, and (ii)&nbsp;as of and for each of the five years ended December&nbsp;31, 2019. The summary historical consolidated financial data (i)&nbsp;as of and for each of the five years ended December&nbsp;31, 2019 were derived
from Empire&#146;s audited consolidated financial statements, and (ii)&nbsp;as of and for the six months ended June 30, 2020 and 2019 were derived from Empire&#146;s unaudited consolidated financial statements. Empire&#146;s historical results are
not necessarily indicative of the results that may be expected for any future period. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="54%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">As of and for the six<BR>months ended June&nbsp;30,<br>(unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">As of and for the years ended December&nbsp;31,</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2020</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2018</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center"><B></B><I>(dollars in thousands, except per share data)</I><B></B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Selected Financial Condition Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,052,240</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,037,020</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">978,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">988,227</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">900,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">781,435</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">629,133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Loans, net</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">690,247</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">674,218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">672,335</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">667,105</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">513,665</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">488,475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">456,512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Investment securities, held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,945</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Investment securities, available for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">186,309</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">273,119</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">222,962</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">268,999</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">299,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">264,734</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151,043</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">933,109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">925,364</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">863,002</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">892,866</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">812,464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">670,683</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">518,033</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,898</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,872</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,418</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,778</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40,761</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88,950</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79,083</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84,190</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71,709</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67,585</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62,992</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 11.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 10.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 9.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 9.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 9.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 9.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Selected Operating Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 17,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 19,326</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 38,254</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 35,181</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 29,632</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 24,868</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 21,504</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Interest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,054</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,780</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9,940</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,916</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,301</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,689</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13,663</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,546</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,039</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,241</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24,716</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,567</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,815</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Provision for loan losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,222</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">168</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">682</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">644</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">632</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">867</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Net securities gains (losses) </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,596</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">346</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(71</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Other income </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">907</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,945</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,782</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,478</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,131</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,076</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Other expense </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10,474</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,402</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,099</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,492</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,068</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,998</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Income before income taxes</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,889</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,988</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,711</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,192</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,462</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,344</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,955</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">556</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">383</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">840</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,015</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,554</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,421</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 3,871</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 3,482</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 1,447</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 2,790</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 2,534</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt" BGCOLOR="#e5e5e5">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Basic earnings per common share (1)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Diluted earnings per common share (1)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 0.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt" BGCOLOR="#e5e5e5">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><B>&nbsp;&nbsp;Selected Financial Ratios and Other Data</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Performance Ratios:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Return on average assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.31</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.17</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Return on average equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Average equity to average assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Equity to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Interest rate spread</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Other expense to average assets </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Efficiency ratio (2) </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">84.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Average interest-earning assets to average interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.41x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.33x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.33x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.35x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.48x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.74x</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="right"><I>Continued on next page </I></P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="49%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">As of and for the six<BR>months ended<BR>June&nbsp;30,<br>(unaudited)</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">As of and for the years ended December&nbsp;31,</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2020</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2018</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2016</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">2015</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Regulatory Capital Ratios (3)(4):</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Tier 1 leverage capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.54</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.90</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.51</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.93</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.06</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Common equity tier 1 risk-based capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Tier 1 risk-based capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Total risk-based capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;Asset Quality Data:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> loans to total loans (5)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.48</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.12</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> assets to total assets (5)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Net charge-offs to average loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Allowance for loan losses to total loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Allowance for loan losses to total non-performing assets (5)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Allowance for loan losses to total non-performing loans (5)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">For the year ended December&nbsp;31, 2015, differences in basic and diluted earnings per share related solely to
the impact of Empire&#146;s Series A convertible preferred stock, which was issued on December&nbsp;19, 2014 and converted into <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock in the third quarter of 2015, as the inclusion of
outstanding warrants and stock options in such periods would have had an antidilutive effect. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">Efficiency ratio is calculated by dividing other expense, by the sum of interest income and other income,
excluding net securities gains. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">Regulatory capital ratios are presented on a Bank-only basis. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">Empire Bank made an election to commence utilizing the community bank leverage ratio framework as of June 30,
2020 for the purpose of measuring compliance with applicable regulatory capital requirements. Accordingly, beginning June 30, 2020, Empire Bank was not subject to regulatory capital standards calculated in relation to its common equity tier 1
capital, tier 1 capital or total capital. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">Non-performing assets consist solely of nonperforming loans, and non-performing loans consist solely of
nonaccrual loans. </P></TD></TR></TABLE>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_26"></A>COMPARATIVE HISTORICAL AND UNAUDITED PRO FORMA PER SHARE DATA
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth, for the year ended December&nbsp;31, 2019, and for the six months ended June&nbsp;30, 2020, selected
per share information for Flushing common stock on a historical and pro forma combined basis and for Empire common stock on a historical and pro forma equivalent basis. Except for the historical information for the year ended December&nbsp;31, 2019,
the information provided in the table below is unaudited. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The pro forma information provided in the table below is for illustrative
purposes only and is not necessarily an indication of the results that would have been achieved had the transaction been completed as of the dates indicated or that may be achieved in the future. The pro forma information also does not consider any
integration expenses, expense efficiencies or other potential effects of the merger. The pro forma calculations reflect the issuance of 2,557,745 shares of Flushing common stock in the merger based upon 7,812,293&nbsp;shares of Empire common stock
outstanding as of the date of the amended merger agreement. The pro forma equivalent per share amounts are calculated by multiplying each pro forma combined per share amount by the exchange ratio. </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should read the data provided below with the historical consolidated financial
statements and related notes of Flushing contained in its Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019, and its Quarterly Report on
<FONT STYLE="white-space:nowrap">Form&nbsp;10-Q</FONT> for the quarter ended June&nbsp;30, 2020, which are incorporated by reference into this proxy statement/prospectus. Please see &#147;Where You Can Find More Information,&#148; beginning on
page&nbsp;127. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="67%"></TD>

<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Six Months<BR>Ended<BR>June&nbsp;30,<BR>2020</B><br><B>(unaudited)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Year Ended<BR>December&nbsp;31,<BR>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Flushing historical data:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per basic common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per diluted common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Empire historical data:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per basic common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per diluted common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Pro forma combined data (unaudited):</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per basic common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per diluted common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.42</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.84</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">(1)</SUP>&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Pro forma equivalent data (unaudited):</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per basic common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net income per diluted common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash dividends declared per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Same as historical since no change in dividend payment is expected. </P></TD></TR></TABLE>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_27"></A>COMPARATIVE PER SHARE MARKET PRICE AND DIVIDEND INFORMATION
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_28"></A>Market; Holders </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing common stock trades on the NASDAQ under the symbol &#147;FFIC.&#148; As of [&#9679;], 2020, the latest practicable trading day before
the date of this proxy statement/prospectus, there were [&#9679;] shares of Flushing common stock outstanding, which were held by [&#9679;] holders of record, and approximately [&#9679;] beneficial owners with shares held in street name. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire common stock trades on the OTCQX under the symbol
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">&#147;EMPK.&#148;&nbsp;The&nbsp;over-the-counter&nbsp;or</FONT></FONT> OTC market is a decentralized market where securities not listed on major exchanges are traded directly by a
network of dealers. Instead of providing an order matchmaking service like&nbsp;the NASDAQ, these dealers carry inventories of securities in order to facilitate any buy and sell orders. The OTCQX marketplace is run through OTC Link, an inter-dealer
quotation and trading system developed by OTC Markets Group. OTC Link is registered with the SEC as a broker-dealer and also as an alternative trading system. OTC Link enables broker-dealers to not only&nbsp;post and disseminate their quotes, but
also negotiate trades through the system&#146;s electronic messaging capability. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Trading in Empire common stock has not been extensive,
and such trades cannot be characterized as constituting an active trading market. As of the record date for the special meeting, there were 7,812,293 <B></B>shares of Empire common stock outstanding, held by 340 holders of record, and approximately
[&#9679;] beneficial owners with shares held in street name. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_29"></A>Comparative Per Share Market Prices; Dividends </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth the closing price of Flushing common stock as reported on the NASDAQ and the closing price of Empire common
stock as reported on the OTCQX, respectively, on October&nbsp;24, 2019, the last trading day before the date of the public announcement of the merger agreement, August 14, 2020, the last trading day before the date of the public announcement of the
amendment, and on [&#9679;], 2020, the latest practicable trading day before the date of this proxy statement/prospectus. The table also includes the market value of Empire&nbsp;common stock on an equivalent price per share basis, as determined by
reference to the value of the stock consideration that will be issued in the merger in exchange for 50% of the outstanding shares of Empire common stock. These equivalent prices per share reflect the fluctuating value of the Flushing common stock
that would be issued in exchange for such shares if the merger was completed on either of the dates below. The per share cash consideration to be issued in exchange for 50% of the outstanding shares of Empire common stock is fixed at $14.04 and will
not change. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="64%"></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Date</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing<BR>Common<BR>Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire<BR>Common<BR>Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Equivalent<BR>Empire<BR>Price Per<BR>Share</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">October&nbsp;24, 2019</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">August 14, 2020</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">[&#9679;]</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<div style ="BORDER-BOTTOM:1.00pt solid #000000;BORDER-LEFT:1.00pt solid #000000;BORDER-RIGHT:1.00pt solid #000000;BORDER-TOP:1.00pt solid #000000;MARGIN-LEFT:0px; MARGIN-RIGHT:0px;max-width:100%"><div style="width:97%; margin-top:1.5%; margin-left:1.5%; margin-right:-1.25%">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table shows the high and low sales prices per share, as well as the dividends
paid per share, of Flushing common stock and of Empire common stock for each quarterly period since January&nbsp;1, 2017 and is based on information provided by the NASDAQ for Flushing and the OTCQX for Empire. The quotations and the data in the
following table do not reflect retail <FONT STYLE="white-space:nowrap">mark-up,</FONT> mark-down or commissions and do not necessarily represent actual transactions. The information does not include transactions for which no public records are
available. The trading prices in such transactions may be higher or lower than the prices reported below. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="60%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing Common Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire&nbsp;Common&nbsp;Stock</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>High</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Low</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividend</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>High</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Low</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividend</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Calendar quarters:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2017</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2018</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">29.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">26.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">27.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2019</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">23.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Fourth Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">22.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>2020</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second Quarter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right"> 9.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">N/A</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Third Quarter (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">[&#9679;]</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Through [&#9679;], 2020, the latest practicable trading day before the date of this proxy statement/prospectus.
</P></TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The above table shows only historical comparisons. These comparisons may not provide meaningful information to
Empire shareholders in determining whether to approve the amendment proposal. Empire&nbsp;shareholders are urged to obtain current market quotations for Flushing common stock and Empire common stock and to review carefully the other information
contained in this proxy statement/prospectus or incorporated by reference into this proxy statement/prospectus when considering whether to approve the amendment proposal. Please see &#147;Where You Can Find More Information,&#148; beginning on
page&nbsp;127. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Holders of Empire common stock are entitled to receive dividends that the Empire board may declare from time to time.
Empire may pay dividends only out of funds that are legally available for that purpose. Empire is a bank holding company and has no material business activities other than its ownership of Empire Bank. As a result, Empire&#146;s ability to pay
dividends to the Empire shareholders depends primarily on Empire Bank&#146;s ability to pay dividends to Empire. Dividend payments and extensions of credit to Empire from Empire Bank are subject to legal and regulatory limitations, generally based
on capital levels and current and retained earnings, imposed by law and regulatory agencies. The ability of Empire Bank to pay dividends is also subject to its profitability, financial condition, capital expenditures and other cash flow
requirements. Since its inception, Empire has paid no dividends on its common stock. </P>
</div><br clear="All"></div><br clear="All">

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_30"></A>CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Certain statements contained or incorporated by reference into this proxy statement/prospectus may be deemed to be
&#147;forward-looking statements,&#148; within the meaning of Section&nbsp;27A of the Securities Act of 1933, as amended (which we refer to as the &#147;Securities Act&#148;), and Section&nbsp;21E of the Securities Exchange Act of 1934, as amended
(which we refer to as the &#147;Exchange Act&#148;), giving Flushing&#146;s or Empire&#146;s expectations or predictions of future financial or business performance or conditions. Forward-looking statements are typically identified by words such as
&#147;believe,&#148; &#147;expect,&#148; &#147;anticipate,&#148; &#147;intend,&#148; &#147;target,&#148; &#147;estimate,&#148; &#147;continue,&#148; &#147;positions,&#148; &#147;projections,&#148; &#147;prospects&#148; or &#147;potential,&#148; by
future conditional verbs such as &#147;will,&#148; &#147;would,&#148; &#147;should,&#148; &#147;could&#148; or &#147;may&#148; or by variations of such words or by similar expressions. Such forward-looking statements include, but are not limited to,
statements about the benefits of the merger, including future financial and operating results of Flushing following the merger, Flushing&#146;s and Empire&#146;s plans, objectives, expectations and intentions, the expected timing of the completion
of the merger, financing plans and the availability of capital, the likelihood of success and impact of litigation and other statements that are not historical facts. These statements are only predictions based on Flushing&#146;s and Empire&#146;s
current expectations and projections about future events. Annualized, pro forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Forward-looking statements involve inherent risks and uncertainties, and important factors could cause actual results to differ materially
from those anticipated, including those factors discussed below under &#147;Risk Factors,&#148; beginning on page&nbsp;31. In addition to factors previously disclosed in Flushing&#146;s reports filed with the SEC, the following factors, among
others, could cause actual results to differ materially from forward-looking statements: </P>  <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">inability to consummate the merger in a timely manner or at all; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">failure to complete the merger due to the failure of holders of Empire voting common stock to approve the
amendment proposal; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">costs or effects of acquisitions or dispositions Flushing or Empire may make, including the merger;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">whether Flushing or Empire is able to obtain the required governmental approvals or waivers in connection with
the amendment and/or any other acquisitions or dispositions and/or the acquiring company&#146;s ability to realize the contemplated financial or business benefits associated with any such acquisitions or dispositions; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">failure to meet other closing conditions to the merger on the expected terms and schedule; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the potential impact of announcement or consummation of the proposed merger with Empire on relationships with
third parties, including customers, employees and competitors; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">ability to successfully integrate Empire and/or other acquired companies or branch offices or fully realize cost
savings and other benefits; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing&#146;s potential exposure to unknown or contingent liabilities of Empire; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">challenges of integrating, retaining and hiring key personnel; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">failure to attract new customers and retain existing customers in the manner anticipated; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">outcomes of pending or threatened litigation, or of matters before regulatory agencies, whether currently
existing or commencing in the future; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">changes in Flushing&#146;s stock price before closing, including as a result of the financial performance of
Empire prior to closing; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a material adverse change in financial condition; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">risk of borrower, depositor and other customer attrition; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a change in general business and economic conditions; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">changes in the interest rate environment, deposit flows, loan demand, real estate values and competition;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">changes in accounting principles, policies or guidelines; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">changes in legislation and regulation; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">other economic, competitive, governmental, regulatory, geopolitical and technological factors affecting
Flushing&#146;s or Empire&#146;s operations, pricing and services; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the impact of the novel coronavirus (COVID-19), which has created significant uncertainties in U.S. and global
markets, and other infectious illness outbreaks that may arise in the future; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">other risk factors referred to from time to time in filings made by Flushing with the SEC. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In addition, the timing and occurrence or <FONT STYLE="white-space:nowrap">non-occurrence</FONT> of events may be subject to circumstances beyond
Flushing&#146;s or Empire&#146;s control. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For any forward-looking statements made in this proxy statement/prospectus or in any documents
incorporated by reference into this proxy statement/prospectus, Flushing and Empire claim the protection of the safe harbor for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995. You are cautioned not to
place undue reliance on these statements, which speak only as of the date of this proxy statement/prospectus or the date of the applicable document incorporated by reference into this proxy statement/prospectus. Except to the extent required by
applicable law, Flushing and Empire do not undertake to update forward-looking statements to reflect facts, circumstances, assumptions or events that occur after the date the forward-looking statements are made. All written and oral forward-looking
statements concerning the merger or other matters addressed in this proxy statement/prospectus and attributable to Flushing, Empire or any person acting on their behalf are expressly qualified in their entirety by the cautionary statements contained
or referred to in this proxy statement/prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_31"></A>RISK FACTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>In addition to general investment risks and the other information contained in or incorporated by reference into this proxy statement/prospectus, including
the matters addressed under the section &#147;Cautionary Statement Regarding Forward-Looking Statements,&#148; beginning on page&nbsp;29, you should carefully consider the following risk factors in deciding how to vote for the proposals presented in
this proxy statement/prospectus. You should also consider the other information in this proxy statement/prospectus and the other documents incorporated by reference into this proxy statement/prospectus. Please see &#147;Where You Can Find More
Information,&#148; beginning on page&nbsp;127. </I></P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_32"></A>Risks Related to the Merger and Flushing&#146;s Business Upon
Completion of the Merger </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Empire Shareholders May Receive a Form of Consideration Different From What They Elect. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although each Empire shareholder may elect to receive all cash or all Flushing common stock in the merger, or cash for certain shares of Empire
common stock and Flushing common stock for other shares, the pool of cash and Flushing common stock available for all Empire shareholders will be a fixed percentage of the aggregate merger consideration at closing. As a result, if either the
aggregate cash or stock elections exceed the maximum cash or stock available, and you choose the consideration election that exceeds the maximum available, some or all of your consideration may be in a form that you did not choose. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The Merger May Not Qualify as a &#147;Reorganization&#148; Within the Meaning of Section 368(a) of the Code. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although Flushing and Empire are of the view that the first-step merger and the second-step merger, considered together, constitute a
&#147;reorganization&#148; within the meaning of Section 368(a) of the Code for U.S. federal income tax purposes, and intend to report the merger accordingly for U.S. federal income tax purposes, whether or not the transaction will qualify for the
intended tax treatment is not free from doubt. In connection with the registration statement of which this proxy statement/prospectus forms a part, Flushing has received an opinion from Arnold &amp; Porter Kaye Scholer, LLP, and Empire has received
an opinion from Fenimore, Kay, Harrison &amp; Ford LLP, that, subject to certain representations, qualifications and assumptions, it is more likely than not that the first-step merger and the second-step merger, considered together, will qualify as
a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. However, neither Flushing nor Empire intends to request any ruling from the IRS as to the U.S. federal income tax consequences of the merger. Therefore, no assurance can
be given that the IRS will not assert, or that a court would not sustain, a position contrary to Flushing&#146;s and Empire&#146;s position. The obligations of Flushing and Empire to complete the merger are not conditioned on the receipt of an
opinion at closing from either Arnold &amp; Porter Kaye Scholer LLP or Fenimore, Kay, Harrison &amp; Ford, LLP as to the qualification of the merger as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the first step-merger and the second-step merger, considered together, do not qualify as a &#147;reorganization&#148; within the meaning of
Section 368(a) of the Code, then an Empire shareholder generally will recognize gain or loss upon the exchange of Empire common stock in the first-step merger equal to the difference, if any, between (i) the sum of the fair market value of the
shares of Flushing common stock and the amount of cash received by such shareholder (including cash received in lieu of fractional shares of Flushing common stock) and (ii) the shareholder&#146;s adjusted tax basis in the Empire common shares
surrendered. Any gain or loss recognized by an Empire shareholder in connection with the first-step merger generally will constitute capital gain or loss, and generally will constitute long-term capital gain or loss if such shareholder has held its
Empire common stock for more than one year as of the date of the first-step merger. For a discussion of the U.S. tax consequences of the merger, please see &#147;Proposal No. 1: The Amendment Proposal&#151;Material U.S. Federal Income Tax
Consequences of the Merger&#148; on page&nbsp;84. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Because the market price of Flushing common stock will fluctuate, including as a result of
COVID-19, Empire shareholders cannot be certain of the market value of the per share stock consideration they may receive. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon
completion of the merger, each share of Empire common stock issued and outstanding immediately prior to the effective time of the merger, except for shares of Empire common stock held by Empire as treasury
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
stock, certain shares held by Flushing, if any, and shares held by Empire shareholders who properly exercise their rights to dissent from the merger, will be converted into the right to receive
either (i) 0.6548 shares of Flushing common stock or (ii) $14.04 in cash, without interest. Neither the exchange ratio nor the per share cash consideration has been altered by the amendment. The form of merger consideration to be received in
exchange for each outstanding share of Empire common stock will be determined based upon the election of each Empire shareholder, subject to the election, allocation and proration procedures specified in the amended merger agreement, which provide
for an aggregate split of total consideration consisting of 50% Flushing common stock and 50% cash, as described beginning on page&nbsp;89 of this proxy statement/prospectus. The market value of the Flushing common stock, which will constitute 50%
of the total consideration to be issued to Empire shareholders in the merger, will vary from the closing price of Flushing common stock on the date Flushing and Empire announced the merger, on the date Flushing and Empire announced the amendment, on
the date that this proxy statement/prospectus is mailed to Empire shareholders, on the date of the special meeting and on the date the merger is completed. Any change in the market price of Flushing common stock prior to the completion of the merger
will affect the market value of the merger consideration that will be received by Empire shareholders who elect to receive, or are otherwise allocated in accordance with the election, allocation and proration procedures in the amended merger
agreement, the stock consideration upon completion of the merger. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The market price of Flushing common stock could be subject to
significant fluctuations due to changes in sentiment in the market regarding Flushing&#146;s operations or business prospects, including market sentiment regarding Flushing&#146;s entry into the merger agreement or the amendment. Changes in the
market price of Flushing common stock may also result from a variety of other factors, including the following, many of which are outside Flushing&#146;s control: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">operating results that vary from the expectations of Flushing&#146;s management or of securities analysts and
investors; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">developments in Flushing&#146;s business or in the financial services sector generally; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">regulatory or legislative changes affecting Flushing&#146;s industry generally or its business and operations;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">operating and securities price performance of companies that investors consider to be comparable to Flushing;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">changes in estimates or recommendations by securities analysts or rating agencies; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">announcements of strategic developments, acquisitions, dispositions, financings and other material events by
Flushing or its competitors; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">changes in global financial markets and economies and general market conditions, such as interest or foreign
exchange rates, stock, commodity, credit or asset valuations or volatility; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the impact of the novel coronavirus (COVID-19), which has created significant uncertainties in U.S. and global
markets, and other infectious illness outbreaks that may arise in the future. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Therefore, at the time of the special meeting, you will
not know the precise market value of any shares of Flushing common stock that you may receive at the effective time of the merger. You should obtain current market quotations for shares of Flushing common stock before voting your shares at the
special meeting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The market price of Flushing common stock after the merger may be affected by factors different from those affecting the shares of
Empire or Flushing currently. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, certain holders of Empire common stock will become holders of
Flushing common stock. Flushing&#146;s business differs in important respects from that of Empire, and, accordingly, the results of operations of Flushing and the market price of Flushing common stock after the completion of the merger may be
affected by factors different from those currently affecting the independent results of operations of each of Flushing and Empire. For a discussion of the business of Flushing and of certain factors to consider in connection with the business of
Flushing, see the documents incorporated by reference into this proxy statement/</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
prospectus and referred to under &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127, including, in particular, the section titled &#147;Risk Factors&#148; in
Flushing&#146;s Annual Report on <FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT> for the year ended December&nbsp;31, 2019. For a discussion of the business of Empire, please see &#147;Information About Empire&#148; on page&nbsp;111. </P>
 <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The fairness opinion delivered to the Empire board by Piper Sandler prior to the signing of the amendment does not reflect any changes in
circumstances that occur after the date of the opinion. </I></B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The opinion of Piper Sandler as to the fairness, from a financial
point of view, of the merger consideration to be received by the holders of Empire common stock in the merger was delivered to the Empire board on August&nbsp;11, 2020. The opinion speaks as of the time the opinion was rendered and does not speak as
of the time the merger will be completed or as of any date other than the date of such opinion. Because Empire does not currently anticipate asking Piper Sandler to update its opinion, the opinion will not address the fairness of the merger
consideration from a financial point of view at the time the merger is completed. Accordingly, the opinion does not reflect any changes in circumstances that may occur after the date of the opinion. Changes in the operations and prospects of Empire
or Flushing, general market and economic conditions and other factors that may be beyond the control of Empire and Flushing may alter the value of Empire or Flushing or the price of shares of Flushing common stock by the time the merger is
completed. For a description of the opinion of Piper Sandler, please refer to &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Opinion of Piper Sandler,&#148; beginning on page 54. For a description of the
other factors considered by the Empire board and the Flushing board in deciding to approve the amendment and the merger, please refer to &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The&nbsp;Merger and the Amendment&#151;Flushing&#146;s
Reasons for the Merger and the Amendment,&#148; beginning on page&nbsp;71, and &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the
Empire&nbsp;Board,&#148; beginning on page&nbsp;52. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Regulatory approvals may not be received, may take longer than expected or may impose
conditions that are not presently anticipated or that could have an adverse effect on Flushing following the merger. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to the
amendment, Flushing and Empire had obtained the necessary approvals from the FDIC and the NYDFS to proceed with consummation of the merger and had been granted a waiver from the Federal Reserve Board of the BHCA application and prior approval
requirements. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">However, the completion of the merger as set forth in the amended merger agreement is subject to the receipt or waiver
of regulatory approvals related to the amendment, as may be required under the prior regulatory approval orders of the FDIC and the NYDFS, as well as the satisfaction of other conditions set forth therein. Flushing has obtained the requisite
approval of the FDIC as contemplated by the FDIC approval order and has requested that the NYDFS confirm that no further approval is required. An adverse development in any party&#146;s regulatory standing or an adverse finding under any of these
factors could result in an inability to obtain the requisite approval or waiver or could result in a delay in agency action. In addition, regulators may impose additional conditions on the completion of the merger or require changes to the terms of
the merger. Such conditions or changes could have the effect of delaying or preventing completion of the merger or imposing additional costs on or limiting the revenues of Flushing following the merger, any of which could have an adverse effect on
Flushing following the merger. Flushing is not obligated to complete the merger if the regulatory approvals received in connection with the merger impose any burdensome condition (as such term is defined in the amended merger agreement) upon
Flushing following the merger. Please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151; Conditions to Complete the Merger,&#148; beginning on page&nbsp;103, and &#147;Proposal No.&nbsp;1: The Amendment
Proposal&#151;The Amendment&#151;Conditions to Complete the Merger&#148; beginning on page&nbsp;109. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">33 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Integrating Flushing and Empire may be more difficult, costly or time consuming than expected, and the
anticipated benefits and cost savings of the merger may not be realized. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire have operated, and, until the
completion of the merger, will continue to operate, independently. The success of the merger, including anticipated benefits and cost savings, will depend, in part, on Flushing&#146;s ability to successfully integrate the businesses of Flushing and
Empire in a manner that permits growth opportunities and does not materially disrupt Empire&#146;s existing customer and employee relationships nor result in decreased revenues due to loss of customers. It is possible that the integration process
could result in the loss of key employees, the disruption of either company&#146;s ongoing businesses or inconsistencies in standards, controls, procedures and policies that adversely affect Flushing&#146;s ability to maintain relationships with
clients, customers, depositors and employees or to achieve the anticipated benefits and cost savings of the merger. The loss of key employees could adversely affect Flushing&#146;s ability to successfully conduct its business, which could have an
adverse effect on Flushing&#146;s financial results and the value of Flushing common stock. If Flushing experiences difficulties with the integration process, the anticipated benefits of the merger may not be realized fully or at all or may take
longer to realize than expected. As with any merger of financial institutions, there also may be business disruptions that cause Flushing and/or Empire to lose customers or cause customers to remove their accounts from Flushing and/or Empire and
move their business to competing financial institutions. Integration efforts between the two companies will also divert management attention and resources. These integration matters could have an adverse effect on each of Empire and Flushing during
this transition period and on Flushing for an undetermined period after completion of the merger. In addition, the actual cost savings of the merger could be less than anticipated. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Flushing may be unable to retain Flushing and/or Empire personnel after the merger is completed. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The success of the merger will depend in part on Flushing&#146;s ability to retain the talents and dedication of key employees currently
employed by Flushing and Empire. It is possible that these employees may decide not to remain with Flushing or Empire, as applicable, while the merger is pending or with Flushing after the merger is consummated. If key employees terminate their
employment, or if an insufficient number of employees is retained to maintain effective operations, Flushing&#146;s business activities may be adversely affected, and </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">management&#146;s attention may be diverted from successfully integrating Empire to hiring suitable replacements, all of which may cause Flushing&#146;s
business to suffer. In addition, Flushing and Empire may not be able to locate suitable replacements for any key employees who leave either company or to offer employment to potential replacements on reasonable terms. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Certain of Empire&#146;s directors and executive officers have interests in the merger that may differ from the interests of Empire&nbsp;shareholders.
</I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders should be aware that some of Empire&#146;s directors and executive officers have interests in the merger and
have arrangements that are different from, or in addition to, those of Empire shareholders generally. These interests include, among others: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The amended merger agreement provides for the accelerated vesting of all Empire equity awards and cash out of all
vested and unvested stock options. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s executive officers are party to certain executive employment agreements or change in control
agreements that provide for payments upon completion of the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Certain of Empire&#146;s executive officers have entered into new service agreements with Flushing that set forth
the terms of their respective employment or consulting relationship with Flushing following the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s directors and executive officers have rights to ongoing indemnification and insurance coverage by
Flushing for acts or omissions occurring prior to the merger. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">34 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The amended merger agreement provides that Douglas C. Manditch will be appointed to the Flushing board and the
Flushing Bank board upon consummation of the merger. In addition, in connection with the merger and effective as of the closing, Flushing Bank and Mr.&nbsp;Manditch have entered into a consulting agreement under which he will provide certain
advisory services to Flushing and Flushing Bank for a three-year period following the merger. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">In connection with the merger and effective as of the closing, Flushing and Mr.&nbsp;Buonaiuto have entered into
an employment agreement under which he will serve as a senior executive vice president of Flushing. </P></TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Empire&nbsp;board was aware of these interests and considered these interests, among other matters, when making its decision to approve the merger agreement and the amendment and in recommending that holders of Empire voting common stock vote in
favor of approving the amendment proposal. For a more complete description of these interests, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Interests of Certain Persons in the Merger,&#148;
beginning on page&nbsp;72. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The merger is subject to certain closing conditions that, if not satisfied or waived, may result in the amended
merger agreement being terminated, which could negatively impact Empire or Flushing. </I></B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger is subject to customary
conditions that must be satisfied (or waived, to the extent permitted by law) in order for the merger to be completed, including the receipt of the requisite approval of the amendment proposal by the holders of Empire voting common stock and the
receipt or waiver of regulatory approvals related to the amendment in accordance with the prior regulatory approval orders. Please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Conditions to Complete the
Merger,&#148; beginning on page&nbsp;103, and &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Amendment&#151;Conditions to Complete the Merger,&#148; beginning on page&nbsp;109, for a more complete discussion of the conditions to
completion of the merger. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Various factors could cause Empire to fail to satisfy one or more of the conditions to Flushing&#146;s
obligations to complete the merger described above, and, accordingly, the merger may not be completed. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amended merger agreement
may be terminated by either party under certain circumstances, and the parties can mutually decide to terminate the amended merger agreement, at any time prior to the effective time of the merger, even if the amendment proposal has already been
approved by the Empire shareholders. Please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Termination of the Merger Agreement,&#148; beginning on page&nbsp;104, and &#147;Proposal No. 1: The Amendment
Proposal&#151;The Amendment&#151;Termination of the Amended Merger Agreement,&#148; beginning on page&nbsp;109,&#148; for a more complete discussion of the circumstances in which the amended merger agreement may be terminated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the amended merger agreement is terminated, there may be various consequences. For example, Empire&#146;s or Flushing&#146;s businesses may
have been impacted adversely by the failure to pursue other beneficial opportunities due to the focus of management on the merger, without realizing any of the anticipated benefits of completing the merger, or the price of Flushing common stock
could decline to the extent that the current price reflects a market assumption that the merger will be completed. If the amended merger agreement is terminated and the Empire board seeks another merger or business combination, Empire shareholders
cannot be certain that Empire will be able to find a party willing to pay equivalent or greater consideration than that which Flushing has agreed to pay in the merger. If the amended merger agreement is terminated under certain circumstances, Empire
may be required to pay to Flushing a termination fee of&nbsp;$3.3&nbsp;million. For a more complete description of this termination fee, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Termination
Fee,&#148; beginning on page 105, and &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Termination Fee,&#148; beginning on page 110. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">35 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Empire will be subject to business uncertainties and contractual restrictions while the merger is
pending. </I></B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Uncertainty about the effect of the merger on employees and customers may have an adverse effect on Empire. These
uncertainties may impair Empire&#146;s ability to attract, retain and motivate key personnel until the merger is completed and could cause customers and others that deal with Empire to seek to change existing business relationships with Empire.
Retention of certain employees by Empire may be challenging while the merger is pending, as certain employees may experience uncertainty about their future roles with Flushing. If key employees depart because of issues relating to the uncertainty
and difficulty of integration, or a desire not to remain with Empire, Empire&#146;s business could be harmed. In addition, subject to certain exceptions, Empire has agreed in the amended merger agreement to operate its business in the ordinary
course prior to closing and to not take certain specified actions without Flushing&#146;s consent. These restrictions may prevent Empire from pursuing attractive business opportunities that may arise prior to the completion of the merger. Please see
&#147;Proposal No.&nbsp;1: The&nbsp;Amendment Proposal&#151;The Merger Agreement&#151;Covenants and Agreements&#151;Conduct of Businesses Prior to the Closing of the Merger&#148; on page&nbsp;96 for a description of the restrictive covenants
applicable to Empire. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>If the merger is not completed, Flushing and Empire will have incurred substantial expenses without realizing the
expected benefits of the merger and may experience negative reactions to the termination of the merger from third parties. </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each of
Flushing and Empire has incurred and will incur substantial expenses in connection with the negotiation and completion of the transactions contemplated by the amended merger agreement, as well as the costs and expenses of filing, printing and
mailing this proxy statement/prospectus, and all filing and other fees paid to the SEC in connection with the merger. If the merger is not completed, Flushing and Empire will have to recognize these expenses without realizing the expected benefits
of the merger. In addition, if the merger is not completed, Flushing and/or Empire may experience negative reactions to the termination of the merger from customers, depositors, investors, vendors and others. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The amended merger agreement limits Empire&#146;s ability to pursue acquisition proposals and requires Empire to pay a termination fee
of&nbsp;$3.3&nbsp;million under certain circumstances, including circumstances involving alternative acquisition proposals. In addition, certain provisions of the Flushing and Empire charters and bylaws may deter potential acquirers. </I></B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amended merger agreement contains <FONT STYLE="white-space:nowrap">non-solicitation</FONT> provisions that prohibit Empire and its
representatives from initiating, soliciting, knowingly inducing or encouraging or knowingly facilitating the making of any offers with respect to, and from engaging or participating in negotiations with any person concerning, any competing
acquisition proposals. Please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Agreement Not to Solicit Other Offers&#148; on page&nbsp;102 and &#147;Proposal No. 1: The Amendment Proposal&#151;The
Amendment&#151;Agreement Not to Solicit Other Offers&#148; on page&nbsp;108 for further information. The amended merger agreement also provides that Empire will be required to pay a termination fee in the amount of&nbsp;$3.3&nbsp;million in the
event that the amended merger agreement is terminated under certain circumstances, including circumstances involving a competing acquisition proposal. Please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger
Agreement&#151;Termination Fee&#148; and &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Termination Fee.&#148; These provisions might discourage a potential competing acquirer that might have an interest in acquiring all or a
significant part of Empire from considering or proposing such an acquisition. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the DGCL, certain business combinations
involving affiliates or interested stockholders of Flushing require the approval of the Flushing board and disinterested shareholders holding <FONT STYLE="white-space:nowrap">two-thirds</FONT> of the outstanding shares of Flushing common stock
unless certain other requirements are met. Please see &#147;Comparison of Shareholder Rights&#151;Restrictions on Business Combinations.&#148; These provisions and other provisions of the Empire and Flushing charters and bylaws, including provisions
regarding Flushing&#146;s partially classified board of directors, described under &#147;Comparison of Shareholder Rights&#151;Number of Directors; Classification,&#148; or of the DGCL or the NYBCL could make it more difficult for a third party to
acquire control of Empire or Flushing and may discourage a potential competing acquirer. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The shares of Flushing common stock to be received by Empire shareholders as a result of the merger
will have different rights from shares of Empire common stock. </I></B></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, certain Empire shareholders will
become holders of Flushing common stock, and their rights as holders of Flushing common stock will be governed by the DGCL and the Flushing charter and bylaws. The rights associated with Empire common stock are different from the rights associated
with Flushing common stock. Please see &#147;Comparison of Shareholder Rights,&#148; beginning on page&nbsp;117, for a discussion of the different rights associated with Flushing common stock. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Empire shareholders will have a reduced ownership and voting interest after the merger and will exercise less influence over management. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders currently have the right to vote in the election of the Empire board and on other matters requiring shareholder approval
under the NYBCL and Empire&#146;s charter and bylaws. Upon completion of the merger, each Empire shareholder who receives shares of Flushing common stock will become a shareholder of Flushing, with a percentage ownership of Flushing that is much
smaller than the shareholder&#146;s percentage ownership of Empire. Based on the number of shares of Flushing common stock and Empire common stock currently outstanding, current Empire shareholders who receive shares of Flushing common stock in the
merger are expected to own up to approximately 8.3% of the outstanding Flushing common stock immediately following the merger (without giving effect to any shares of Flushing common stock held by Empire shareholders prior to the merger). As a
result, such Empire shareholders will have less influence on the management and policies of Flushing than they now have on the management and policies of Empire. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Flushing&#146;s bylaws designate the Court of Chancery of the State of Delaware as the sole and exclusive forum for certain types of actions and
proceedings that may be initiated by Flushing shareholders, which could limit Flushing shareholders&#146; ability to bring certain actions or proceedings in a forum of their choosing. </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s bylaws provide that unless Flushing consents in writing to the selection of an alternative forum, the Court of Chancery of the
State of Delaware shall be the sole and exclusive forum for (i) any derivative action or proceeding brought on behalf of Flushing, (ii) any action asserting a claim of breach of a fiduciary duty owed by any director, officer, or other employee of
Flushing to Flushing or the Flushing shareholders, (iii) any action asserting a claim arising pursuant to any provision of the DGCL or Flushing&#146;s charter or bylaws, or (iv) any action asserting a claim governed by the internal affairs doctrine.
Any person or entity owning, purchasing, or otherwise acquiring any interest in shares of capital stock of Flushing is be deemed to have notice of and consented to the forum selection clause of Flushing&#146;s bylaws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The forum selection provision discussed above is not intended to apply to claims arising under the Securities Act or the Exchange Act. To the
extent the provision could be construed to apply to such claims, there is uncertainty as to whether a court would enforce such provision in connection with such claims, and in any event, Flushing&#146;s shareholders would not be deemed to have
waived Flushing&#146;s compliance with federal securities laws and the rules and regulations thereunder. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This forum selection bylaw may
pose certain risks to Flushing shareholders. For example, the forum selection bylaw could limit the ability of a Flushing shareholder to bring certain actions or proceedings involving disputes with Flushing or Flushing&#146;s directors, officers and
other employees in a forum of such Flushing shareholder&#146;s choosing or which such Flushing shareholders may believe is the optimal forum for such action or proceeding. In addition, the forum selection bylaw could result in increased costs to a
Flushing shareholder in bringing an action in the designated forum and may have the effect of discouraging certain lawsuits against Flushing and its directors, officers and other employees. If a court were to find the forum selection bylaw
inapplicable to, or unenforceable in respect of, one or more of the specified types of actions or proceedings, Flushing may incur additional costs associated with resolving such matters in other jurisdictions, which could adversely affect
Flushing&#146;s business and financial condition. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_32a"></A>Risks Relating to the COVID-19 Pandemic </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>The coronavirus (COVID-19) pandemic has adversely affected the business and results of operations of each of Flushing and Empire, and the ultimate
impacts of the pandemic on the business, financial condition and results of operations of Flushing following the merger will depend on future developments and other factors that are highly uncertain and will be impacted by the scope and duration of
the pandemic and actions taken by governmental authorities in response to the pandemic. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The COVID-19 pandemic has adversely
affected Flushing and Empire and their respective customers, employees and third-party service providers, and the adverse impacts on Flushing&#146;s and Empire&#146;s respective businesses, financial positions, operations and prospects could be
significant. The COVID-19 pandemic has created a global public health crisis that has resulted in unprecedented uncertainty, volatility and disruption in financial markets and in governmental, commercial and consumer activity in the United States
and globally. In response to the pandemic, the government issued orders to shelter in place and maintain social distancing and closed businesses that were not deemed essential. These actions, together with responses to the pandemic by businesses and
individuals, have resulted in rapid decreases in commercial and consumer activity, temporary closures of many businesses that have led to loss of revenues and a rapid increase in unemployment, material decreases in oil and gas prices and in business
valuations, disrupted global supply chains, market downturns and volatility, changes in consumer behavior related to pandemic fears, related emergency response legislation and an expectation that Federal Reserve policy will maintain a low interest
rate environment for the foreseeable future. These changes have a significant adverse effect on the regions and markets in which Flushing and Empire conduct their respective businesses and the demand for their respective products and services. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Business and consumer customers of each of Flushing Bank and Empire Bank are experiencing varying degrees of financial distress, which is
expected to increase over coming months and will likely adversely affect their ability to timely pay interest and principal on their loans and the value of the collateral securing their obligations. This in turn has influenced the recognition of
credit losses in Flushing&#146;s and Empire&#146;s respective loan portfolios and has increased Flushing&#146;s and Empire&#146;s respective allowance for credit losses, particularly as businesses remain closed and as more customers are expected to
draw on their lines of credit or seek additional loans to help finance their businesses. These developments as a consequence of the COVID-19 pandemic materially impact Flushing&#146;s and Empire&#146;s respective businesses and the businesses of
Flushing&#146;s and Empire&#146;s respective customers and are expected to have a material adverse effect on Flushing&#146;s and Empire&#146;s respective financial results for 2020, as evidenced by Flushing&#146;s and Empire&#146;s respective first
quarter results. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In order to protect the health of Flushing&#146;s and Empire&#146;s respective customers and employees, and to comply
with applicable government directives, Flushing and Empire have modified their respective business practices, including restricting employee travel, directing employees to work from home insofar as is possible, cancelling in-person meetings and
implementing business continuity plans and protocols to the extent necessary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire may take further such actions that they
determine are in the best interest of their respective employees, customers and communities or as may be required by government order. These actions in response to the COVID-19 pandemic, and similar actions by Flushing&#146;s and Empire&#146;s
respective vendors and business partners, have not materially impaired their ability to support their respective employees, conduct their respective businesses and serve their respective customers, but there is no assurance that these actions will
be sufficient to successfully mitigate the risks presented by COVID-19 or that Flushing&#146;s and Empire&#146;s ability to operate will not be materially affected going forward. For instance, Flushing&#146;s and Empire&#146;s respective business
operations may be disrupted if key personnel or significant portions of their respective employees are unable to work effectively, including because of illness, quarantines, government actions, or other restrictions in connection with the COVID-19
pandemic. Similarly, if any of Flushing&#146;s or Empire&#146;s respective vendors or business partners become unable to continue to provide their products and services, which Flushing and Empire rely upon to maintain their respective day-to-day
operations, Flushing&#146;s and Empire&#146;s ability to serve their respective customers could be impacted. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">COVID-19 does not yet appear to be contained and could affect significantly more households
and businesses. Given the ongoing and dynamic nature of the circumstances, it is not possible to accurately predict the extent, severity or duration of these conditions or when normal economic and operating conditions will resume. For this reason,
the extent to which the COVID-19 pandemic affects Flushing&#146;s and Empire&#146;s respective businesses, operations and financial condition, as well as Flushing&#146;s and Empire&#146;s respective regulatory capital and liquidity ratios and credit
ratings, is highly uncertain and unpredictable and depends on, among other things, new information that may emerge concerning the scope, duration and severity of the COVID-19 pandemic and actions taken by governmental authorities and other parties
in response to the pandemic. If the pandemic is prolonged, the adverse impact on the markets in which Flushing and Empire operate and on their respective businesses, operations and financial condition could deepen. Particular concerns referenced
above include the following. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Credit Risk </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s and Empire&#146;s risks of timely loan repayment and the value of collateral supporting the loans are affected by the strength
of their respective borrower&#146;s business. Concern about the spread of COVID-19 has caused and is likely to continue to cause business shutdowns, limitations on commercial activity and financial transactions, labor shortages, supply chain
interruptions, increased unemployment and commercial property vacancy rates, reduced profitability and ability for property owners to make mortgage payments, and overall economic and financial market instability, all of which may cause
Flushing&#146;s and Empire&#146;s respective customers to be unable to make scheduled loan payments. If the effects of COVID-19 result in widespread and sustained repayment shortfalls on loans in Flushing&#146;s and Empire&#146;s respective
portfolios, Flushing and Empire could incur significant delinquencies, foreclosures and credit losses, particularly if the available collateral is insufficient to cover Flushing&#146;s and Empire&#146;s respective exposure. The future effects of
COVID-19 on economic activity could negatively affect the collateral values associated with Flushing&#146;s and Empire&#146;s existing loans, the ability to liquidate the real estate collateral securing Flushing&#146;s and Empire&#146;s respective
residential and commercial real estate loans, their respective ability to maintain loan origination volume and to obtain additional financing, the future demand for or profitability of their respective lending and services, and the financial
condition and credit risk of their respective customers. Further, in the event of delinquencies, regulatory changes and policies designed to protect borrowers may slow or prevent Flushing and Empire from making their respective business decisions or
may result in a delay in their respective taking certain remediation actions, such as foreclosure. In addition, Flushing and Empire have unfunded commitments to extend credit to customers. During a challenging economic environment like now,
Flushing&#146;s and Empire&#146;s respective customers are more dependent on their credit commitments and increased borrowings under these commitments could adversely impact Flushing&#146;s and Empire&#146;s respective liquidity. Furthermore, in an
effort to support Flushing&#146;s and Empire&#146;s communities during the pandemic, Flushing and Empire are participating in the PPP whereby loans to small businesses are made and those loans are subject to the regulatory requirements that would
require forbearance of loan payments for a specified time or that would limit Flushing&#146;s and Empire&#146;s respective ability to pursue all available remedies in the event of a loan default. If the borrower under a PPP loan fails to qualify for
loan forgiveness, Flushing and Empire are at the heightened risk of holding that loan at unfavorable interest rates as compared to the loans to customers that Flushing and Empire would have otherwise extended credit. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Strategic Risk </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s and
Empire&#146;s success may be affected by a variety of external factors that may affect the price or marketability of Flushing&#146;s and Empire&#146;s respective products and services, changes in interest rates that may increase Flushing&#146;s and
Empire&#146;s funding costs, reduced demand for Flushing&#146;s and Empire&#146;s financial products due to economic conditions and the various response of governmental and nongovernmental authorities. In recent weeks, the COVID-19 pandemic has
significantly increased economic and demand uncertainty and has led to disruption and volatility in the global capital markets. Furthermore, many of the governmental actions have been directed toward curtailing household and business activity to
contain COVID-19. These actions have been rapidly expanding in scope and intensity. For example, in many of Flushing&#146;s and Empire&#146;s markets, local </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
governments have acted to temporarily close or restrict the operations of most businesses. The future effects of COVID-19 on economic activity could negatively affect the future banking products
Flushing and Empire provide, including a decline in originating of loans. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Operational Risk </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Current and future restrictions on Flushing&#146;s and Empire&#146;s respective workforce&#146;s access to Flushing&#146;s and Empire&#146;s
respective facilities could limit Flushing&#146;s and Empire&#146;s ability to meet customer servicing expectations and have a material adverse effect on Flushing&#146;s and Empire&#146;s respective operations. Flushing and Empire rely on business
processes and branch activity that largely depend on people and technology, including access to information technology systems as well as information, applications, payment systems and other services provided by third parties. In response to
COVID-19, Flushing and Empire have modified their respective business practices with a portion of their respective employees working remotely from their homes to have their respective operations uninterrupted as much as possible. Further, technology
in employees&#146; homes may not be as robust as in Flushing&#146;s and Empire&#146;s respective offices and could cause the networks, information systems, applications, and other tools available to employees to be more limited or less reliable than
in their respective offices. The continuation of these work-from-home measures also introduces additional operational risk, including increased cybersecurity risk. These cyber risks include greater phishing, malware, and other cybersecurity attacks,
vulnerability to disruptions of Flushing&#146;s and Empire&#146;s respective information technology infrastructure and telecommunications systems for remote operations, increased risk of unauthorized dissemination of confidential information,
limited ability to restore the systems in the event of a systems failure or interruption, greater risk of a security breach resulting in destruction or misuse of valuable information, and potential impairment of Flushing&#146;s and Empire&#146;s
respective ability to perform critical functions, including wiring funds, all of which could expose Flushing and Empire to risks of data or financial loss, litigation and liability and could seriously disrupt Flushing&#146;s and Empire&#146;s
respective operations and the operations of any impacted customers. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Interest Rate Risk </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s and Empire&#146;s respective net interest income, lending activities, deposits and profitability could be negatively affected
by volatility in interest rates caused by uncertainties stemming from COVID-19. In March 2020, the Federal Reserve lowered the target range for the federal funds rate to a range from 0 to 0.25 percent, citing concerns about the impact of COVID-19 on
markets and stress in the energy sector. A prolonged period of extremely volatile and unstable market conditions would likely increase Flushing&#146;s and Empire&#146;s respective funding costs and negatively affect market risk mitigation
strategies. Higher income volatility from changes in interest rates and spreads to benchmark indices could cause a loss of future net interest income and a decrease in current fair market values of Flushing&#146;s and Empire&#146;s respective
assets. Fluctuations in interest rates will impact both the level of income and expense recorded on most of Flushing&#146;s and Empire&#146;s respective assets and liabilities and the market value of all interest-earning assets and interest-bearing
liabilities, which in turn could have a material adverse effect on Flushing&#146;s and Empire&#146;s respective net income, operating results, or financial condition. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_33"></A>Risks Relating to Flushing&#146;s Business </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">You should read and consider risk factors specific to Flushing&#146;s business that will also affect Flushing after the merger. These risks are
described in the sections titled &#147;Risk Factors&#148; in Flushing&#146;s Annual Report on <FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT> for the year ended December&nbsp;31, 2019, and in other documents incorporated by reference into
this proxy statement/prospectus. Please see &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127, for the location of information incorporated by reference into this proxy statement/prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_34"></A>THE SPECIAL MEETING </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_35"></A>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This
proxy statement/prospectus is being provided to Empire shareholders as part of a solicitation of proxies by the Empire board for use at the special meeting and at any adjournments or postponements of such meeting. The date of this proxy
statement/prospectus is [&#9679;], 2020, and it is first being mailed or otherwise delivered to Empire shareholders on or about [&#9679;], 2020. This proxy statement/prospectus provides Empire shareholders with important information about the
special meeting and should be read carefully and in its entirety. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_36"></A>Date, Time and Place of Meeting </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The special meeting is scheduled to be held as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Date: [&#9679;], 2020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Time:
[&#9679;] local time </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Place: 1707 Veterans Highway, Islandia, New York 11749 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s board of directors has approved arrangements to enable Empire shareholders to participate at the special meeting remotely
through Empire&#146;s virtual meeting website located at www.virtualshareholdermeeting.com/EMPK2020. To participate in the special meeting through Empire&#146;s virtual meeting website, you will need the 16-digit control number included on your
proxy card. If a formal public health directive in effect at the time of the special meeting permits Empire shareholder meetings in a virtual-only format, shareholders will not be able to physically attend the special meeting and will be able to
participate at the special meeting solely through Empire&#146;s virtual meeting website. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_37"></A>Purposes of the Special Meeting
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The special meeting is being called for the holders of Empire&nbsp;voting common stock to consider and vote on the following
proposals: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Amendment proposal</B>. To adopt and approve&nbsp;the amendment and the transactions contemplated by the
amended merger agreement, as more fully described in this proxy statement/prospectus; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B>Adjournment proposal</B>. To adjourn the special meeting to a later date or dates, if necessary or
appropriate, including to permit further solicitation of proxies in favor of the amendment proposal if there are not sufficient votes to approve it or for any other legally permissible purpose. </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_38"></A>Recommendation of the Empire&nbsp;Board </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Empire&nbsp;board unanimously recommends that holders of Empire&nbsp;voting common stock vote: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">&#147;<B>FOR</B>&#148; the approval of the amendment proposal; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">&#147;<B>FOR</B>&#148; the approval of the adjournment proposal. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The Empire board unanimously approved the amendment. Please see &#147;Proposal No.</B><B></B><B>&nbsp;1: The Amendment Proposal&#151;The
Merger and the Amendment&#151;Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the Empire Board,&#148; beginning on page</B><B></B>&nbsp;<B>52.</B> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In considering the recommendation of the Empire board with respect to the amendment, Empire shareholders should be aware that some of the
Empire directors and executive officers may have interests that are different from, or in addition to, the interests of Empire shareholders generally. Please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the
Amendment&#151;Interests of Certain Persons in the Merger,&#148; beginning on page 72. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_39"></A>Record Date for the Special Meeting; Stock Entitled to Vote </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Only holders of record of Empire voting common stock and Empire <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock at the close of
business on August 28, 2020, which is the record date for the special meeting, are entitled to notice of, and only holders of Empire voting common stock as of the record date for the special meeting are entitled to vote at, the special meeting. On
the record date for the special meeting, 6,720,154 shares of Empire voting common stock were issued, outstanding and eligible to vote at the special meeting. Each holder of record of Empire voting common stock is entitled to cast one vote for each
share held in that holder&#146;s name on Empire&#146;s books as of the record date for the special meeting on each matter being submitted for approval by the holders of Empire voting common stock at the special meeting. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_40"></A>Quorum </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
presence at the special meeting, in person or by proxy, of holders of a majority of the outstanding shares of Empire voting common stock entitled to vote at the special meeting will constitute a quorum for the transaction of business. Abstentions
and broker <FONT STYLE="white-space:nowrap">non-votes</FONT> that are otherwise properly represented at the special meeting will be included in determining the number of shares present at the special meeting for the purpose of determining the
presence of a quorum. If there is no quorum at the special meeting, the affirmative vote of a majority of the outstanding shares of Empire voting common stock entitled to vote at the special meeting and present at the special meeting, in person or
by proxy, may adjourn the special meeting to a later date or dates. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_41"></A>Votes Required; Treatment of Abstentions and Broker <FONT
STYLE="white-space:nowrap">Non-Votes</FONT> </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The affirmative vote of the holders of at least a majority of the outstanding shares of
Empire voting common stock is required to approve the amendment proposal, and the affirmative vote of the holders of at least a majority of the votes cast at the special meeting by the holders of shares of Empire voting common stock entitled to vote
at the special meeting is required to approve the adjournment proposal. Abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT> are counted as present and entitled to vote and are, therefore, included for purposes of determining
whether a quorum is present at the special meeting. Because approval of the amendment proposal requires the affirmative vote of a majority of the outstanding shares of Empire voting common stock, abstentions and broker
<FONT STYLE="white-space:nowrap">non-votes</FONT> will have the same effect as a vote &#147;AGAINST&#148; the amendment proposal. However, because abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT> are not included as a vote
cast &#147;FOR&#148; or &#147;AGAINST&#148; the adjournment proposal, abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT> will have no effect on the outcome of the adjournment proposal. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_42"></A>Voting Your Shares </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>General
Directions </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Holders of Empire voting common stock may vote their shares at the special meeting or may vote by proxy as described below.
Shareholders physically attending the special meeting, to the extent that such attendance is permitted, may vote their shares by ballot, while shareholders attending the meeting through Empire&#146;s virtual meeting website will be able to vote
virtually at the special meeting through the website. You are encouraged to attend the special meeting, and voting by proxy will not affect your right to attend the special meeting and vote in person. However, to ensure that your shares of Empire
voting common stock are voted in accordance with your wishes and that a quorum is present at the meeting so that Empire can transact business, you are urged to register your vote by proxy as promptly as possible. Your prompt response will help
reduce proxy solicitation costs. Please refer to the specific instructions set forth on the enclosed proxy card. For security reasons, Empire&#146;s electronic voting system has been designed to authenticate your identity as a shareholder. If you
hold your shares in &#147;street name,&#148; your broker, bank, trustee or nominee will provide you with materials and instructions for voting your shares. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">42 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Submitting Proxies </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shareholders who hold their shares of record may vote by proxy in one of the following ways: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by simply completing, signing and dating the enclosed proxy card and returning it promptly in the postage-paid
return envelope provided. If you return your signed proxy card before [&#9679;] p.m. local time on [&#9679;], 2020, your shares will be voted as you direct; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">over the telephone by calling <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">1-800-690-6903;</FONT></FONT></FONT> or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">over the Internet at <I>www.proxyvote.com</I>. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shareholders who hold their shares in &#147;street name&#148; should contact their broker, bank, trustee or nominee, who will provide
materials and instructions for voting such shares. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Revoking Proxies </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A holder of Empire voting common stock may revoke his or her proxy by doing one of the following: (i)&nbsp;attending the special meeting,
notifying Empire&#146;s Director of Investor Relations, and voting by ballot at the special meeting; (ii)&nbsp;delivering a written notice of revocation to Empire&#146;s Director of Investor Relations that is received prior to the special meeting,
stating that the shareholder revokes his or her proxy; or (iii)&nbsp;delivering a later-dated proxy (including a telephone or Internet vote) that is received prior to the special meeting in accordance with the instructions included on the proxy
card. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_43"></A>Shares Held in Street Name </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If your shares are registered directly in your name in Empire&#146;s stock records, you are considered the &#147;shareholder of record&#148;
with respect to those shares, and these proxy materials are being sent directly to you by Empire. If your shares are held in a brokerage account or by a bank or other nominee, you are considered the beneficial owner of shares held in &#147;street
name,&#148; and these proxy materials are being forwarded to you by your broker, bank or nominee, who is considered the shareholder of record with respect to those shares. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_44"></A>Dissenters&#146; Rights </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders are entitled to assert dissenters&#146; rights with respect to the merger. These dissenters&#146; rights are conditioned on
strict compliance with the requirements of Sections 623 and 910 of the NYBCL. Please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Dissenters&#146; Rights,&#148; beginning on page&nbsp;78, and the full
text of Sections&nbsp;623 and 910 of the NYBCL, which is reproduced in full in <U>Annex E</U> to this proxy statement/prospectus, for additional information. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_45"></A>Solicitation of Proxies </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Empire board is soliciting the proxies for the special meeting. Under the terms of the amended merger agreement, the costs and expenses of
printing and mailing this proxy statement/prospectus will be borne equally by Flushing and Empire, and all filing and other fees paid to the SEC in connection with the merger will be borne by Flushing, with all other costs and expenses incurred in
connection with the amended merger agreement and the transactions contemplated by the amended merger agreement paid by the party incurring the expense. In addition to solicitation by mail, Empire&#146;s directors, officers and employees may also
solicit proxies from shareholders personally and by telephone. Empire will not pay any additional or special compensation to these directors, officers or employees for these activities but may reimburse them for reasonable <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has retained Equiniti (US)
Services LLC, or EQ, to assist in the solicitation of proxies in connection with the special meeting. Empire has agreed to pay EQ an estimated fee of $6,000 for its services, plus reimbursement of its reasonable and documented out-of-pocket
expenses. Empire has also agreed to indemnify EQ against certain liabilities relating to its engagement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">43 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_46"></A>Delivery of Proxy Materials to Empire Shareholders Sharing an Address </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Only one copy of this proxy statement/prospectus is being delivered to multiple Empire shareholders sharing an address, unless Empire has
previously received contrary instructions from one or more of such shareholders. This is referred to as &#147;householding.&#148; Empire shareholders who hold their shares in &#147;street name&#148; can request further information on householding
through their brokers, banks or other nominees. Empire shareholders may request that a separate copy of this proxy statement/prospectus be sent to a shared address to which a single copy of the document has been delivered by contacting Empire
Bancorp, Inc., 1707 Veterans Highway, Islandia, New York 11749, or contacting Mr.&nbsp;William Franz by telephone, at (631) <FONT STYLE="white-space:nowrap">348-4444.</FONT> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_47"></A>Assistance </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If
you are an Empire shareholder and have any questions concerning the amendment or this proxy statement/prospectus, would like additional copies of this proxy statement/prospectus or need help voting your shares of Empire voting common stock, please
contact Empire&#146;s Director of Investor Relations, William Franz, at (631) <FONT STYLE="white-space:nowrap">348-4444.</FONT> </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_48">
</A>Shares of Empire Voting Common Stock Held By Directors and Executive Officers and Certain Other Beneficial Owners; Voting Agreements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table sets forth, as of the record date for the special meeting, the beneficial ownership of Empire voting common stock by each
of Empire&#146;s directors and executive officers, by Empire&#146;s directors and executive officers as a group and by each person or entity known by Empire to beneficially own more than 5% of the outstanding Empire voting common stock. Unless
otherwise specified, the address of each listed Empire shareholder is c/o Empire Bancorp, Inc., 1707 Veterans Highway, Islandia, New York 11749. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The percentages of beneficial ownership in the following table are calculated in relation to the 6,720,154 shares of Empire voting common
stock that were issued and outstanding as of the record date for the special meeting. Beneficial ownership is determined in accordance with the rules of the SEC, which generally attribute beneficial ownership of securities to persons who possess
sole or shared voting or investment power with respect to those securities, as well as shares issuable in connection with options exercisable within 60 days of the record date for the special meeting. Unless otherwise indicated, and subject to the
voting agreements entered into with Flushing in connection with entering into the merger agreement, to Empire&#146;s knowledge, the persons or entities identified in the table below have sole voting and investment power with respect to all shares
shown as beneficially owned by them. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="62%"></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP><B>&nbsp;&nbsp;<U>Holder</U></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" STYLE="border-bottom:1.00pt solid #000000"><B>Title</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number&nbsp;of&nbsp;Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;<U>Directors and Executive Officers</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Francis F. Boulton</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,417</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;John P. Bracken</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Thomas M. Buonaiuto</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;<BR></TD>
<TD VALIGN="bottom">Director and<BR>President</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;<BR>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115,124</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.71</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;John D. Caffrey, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Vice&nbsp;Chairman</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36,717</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;John L. Ciarelli, Esq.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Dr.&nbsp;Alan&nbsp;M. Coren</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">42,517</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Larry R. Davis, Esq.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Frank A. DiFazio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82,517</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Robert D. Falese, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Salvatore Ferro</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">44 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="54%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP><B>&nbsp;&nbsp;<U>Holder</U></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="border-bottom:1.00pt solid #000000"><B>Title</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Number&nbsp;of&nbsp;Shares</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Percent</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Michael P. Locorriere</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Executive&nbsp;Vice&nbsp;President,<BR> <P STYLE="margin-bottom:1pt; margin-top:0pt; font-size:10pt; font-family:Times New Roman">Director of Municipal<BR>Banking</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37,839</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Douglas C. Manditch</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Chairman&nbsp;and&nbsp;Chief<BR>Executive Officer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184,618</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.75</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Mukeshkumar Patel</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Charles C. Russo, Esq.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Joseph S. Tantillo, Jr.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Paul J. Tonna</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Director</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">*</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;All Directors and Executive Officers as a Group</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">804,685</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.97</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>&nbsp;&nbsp;<U>5% Holders</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Patriot Financial Partners, L.P. (1)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">660,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.82</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Less than 1% </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Does not include 1,092,139 shares of non-voting common stock, which are convertible into shares of voting
stock, subject to certain exceptions, including that the conversion will not cause the holder to own or control in the aggregate more than 9.9% of Empire&#146;s voting common stock. The securities set forth above are beneficially owned by Patriot
Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. (collectively, &#147;Fund II&#148;). Patriot Financial Partners GP II, L.P. is the general partner of Fund&nbsp;II, and Patriot Financial Partners GP II, LLC is a general
partner of Patriot Financial Partners GP&nbsp;II, L.P. W.&nbsp;Kirk Wycoff, James&nbsp;J. Lynch and Ira&nbsp;M. Lubert serve as the general partners of Patriot Financial Partners GP II, LLC and may be deemed to share beneficial ownership of these
shares, provided that each of Messrs.&nbsp;Wycoff, Lynch and Lubert has disclaimed beneficial ownership of the common stock owned by Patriot, except to the extent of his pecuniary interest therein. The address of Patriot Financial Partners&nbsp;GP
II, L.P. is c/o&nbsp;Kevin J. Kooman, Four Radnor Corporate Center, 100 Matsonford Road, Suite 210, Radnor, Pennsylvania 19087. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to voting agreements more fully described under &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger
Agreement<B>&#151;</B>Director, Executive Officer and Large Shareholder Voting Agreements,&#148; beginning on page&nbsp;105, each of Empire&#146;s directors, certain of Empire&#146;s executive officers and Patriot entered into separate written
agreements in which they collectively agreed, among other things, to vote their shares of Empire voting common stock for the approval of the merger agreement, as amended, supplemented or otherwise modified from time to time. The forms of voting
agreements separately executed by each of Empire&#146;s directors and certain of Empire&#146;s executive officers, and by Patriot, in each case, who entered into a voting agreement, are attached as Exhibits
<FONT STYLE="white-space:nowrap">A-1</FONT> and <FONT STYLE="white-space:nowrap">A-2,</FONT> respectively, to the original merger agreement, a copy of which is attached as <U>Annex</U><U></U>&nbsp;B to this proxy statement/prospectus and is
incorporated herein by reference. As of the record date for the special meeting, the members of the Empire board, certain of Empire&#146;s executive officers and Patriot beneficially owned, in the aggregate, approximately 1,426,846 shares of Empire
voting common stock (not including shares underlying vested or unvested stock options), or approximately 21.23% of the outstanding Empire&nbsp;voting common stock. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">45 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_49"></A>PROPOSAL NO.&nbsp;1 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE AMENDMENT PROPOSAL </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_50">
</A>THE MERGER AND THE AMENDMENT </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>The following discussion contains certain information about the amendment and the merger. The
discussion is subject, and qualified in its entirety by reference, to the amendment, the original merger agreement and amendment no. 1, a copy of each of which is attached as <U>Annex A</U>, <U>Annex B</U> and <U>Annex C</U>, respectively, to this
proxy statement/prospectus and incorporated herein by reference. We urge you to read carefully this entire proxy statement/prospectus, including &#147;&#151;The Merger Agreement,&#148; beginning on page&nbsp;89, and &#147;&#151;The Amendment,&#148;
beginning on page&nbsp;107, and <U>Annex&nbsp;A</U>, <U>Annex&nbsp;B</U> and <U>Annex&nbsp;C</U> for additional and more detailed information regarding the legal documents that govern the merger and for a more complete understanding of the merger.
</I></P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_51"></A>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire are proposing an amendment to the merger agreement pursuant to which Flushing will acquire Empire by means of the merger,
with Flushing as the surviving corporation, and Empire Bank will merge with and into Flushing Bank, with Flushing Bank surviving the bank merger. The merger agreement and the merger were previously approved by the requisite vote of the holders of
Empire voting common stock on February 27, 2020. The amendment provides that, among other things, the respective obligations of Flushing and Empire to complete the merger are no longer conditioned upon the receipt of tax opinions that the merger
will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. The amendment also extended the date after which either party may terminate the merger agreement if the merger has not been completed from July 31, 2020
to December 31, 2020, and added as a condition to the closing of the merger the receipt of the approval of the amendment by the Empire shareholders at the special meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amendment was unanimously approved by both the Flushing board and the Empire board. Flushing and Empire expect to complete the merger in
the fourth quarter of 2020. However, neither Flushing nor Empire can assure you of when or if the merger will be completed. Empire must obtain the approval of the amendment proposal by the requisite vote of the Empire shareholders at the special
meeting, and both Flushing and Empire must satisfy certain customary closing conditions, including the receipt or waiver of applicable regulatory approvals related to the amendment in accordance with the prior regulatory approval orders. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_52"></A>Terms of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amended merger agreement provides that Merger Sub will merge with and into Empire in the first-step merger, with Empire as the surviving
corporation and a wholly owned subsidiary of Flushing. Substantially simultaneously with but immediately following the first-step merger, Empire will merge with and into Flushing in the second-step merger, with Flushing as the surviving corporation.
Substantially simultaneously with but immediately following the consummation of the second-step merger, Empire Bank will merge with and into Flushing Bank, with Flushing Bank as the surviving bank in the bank merger. The first-step merger and the
second-step merger are referred to collectively herein as the &#147;merger.&#148; </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, each outstanding
share of Empire common stock (except for shares of Empire common stock held by Empire as treasury stock, certain shares held by Flushing, if any, and shares held by Empire shareholders who properly exercise their rights to dissent from the merger)
will be converted into the right to receive either (i)&nbsp;0.6548 shares of Flushing common stock or (ii) $14.04 in cash, without interest. The form of merger consideration to be received in exchange for each outstanding share of Empire common
stock will be determined based upon the election of each Empire shareholder, subject to the election, allocation and proration procedures specified in the amended merger agreement, which provide for an aggregate split of total consideration
consisting of 50% Flushing common stock and 50% cash, as described beginning on page&nbsp;107 of this proxy statement/prospectus. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">46 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_53"></A>Background of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">From time to time, the Empire board has engaged in reviews and discussions of Empire&#146;s long-term strategies and objectives, considering
ways that it might enhance shareholder value and Empire&#146;s performance and prospects in light of competitive and other relevant factors. Strategic options considered by the Empire board have included expanding organically, raising additional
capital through private placements or public offerings of equity or debt securities, and merging with another financial institution. In recent periods, Empire has also been subject to enhanced scrutiny from certain shareholders, including those
affiliated with Lawrence B. Seidman, with whom it entered into an agreement in February 2019 granting him the right to be nominated to the Empire board at the 2020 annual meeting of shareholders. In connection with its ongoing strategic planning,
the Empire board regularly consulted with its financial advisor, Piper Sandler, a nationally recognized investment bank, which worked with the management of Empire to review Empire&#146;s financial performance and strategic alternatives, and
periodically presented to management and the Empire board on matters of strategic interest. Although, in the course of evaluating strategic alternatives, Empire engaged in preliminary discussions regarding the possibility of a strategic transaction
with other depository institutions, including one such institution earlier in 2019, no such prior discussions had resulted in any formal proposals. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, over the years, on a number of occasions, John R. Buran, Flushing&#146;s Chief Executive Officer and President, with whom Douglas
C. Manditch, Empire&#146;s Chief Executive Officer and President, has had a long-time business relationship, informally indicated Flushing&#146;s interest in discussing strategic opportunities between the institutions, although no specific formal or
informal proposals had ever been discussed by the executives. Thereafter, in July 2019, Mr.&nbsp;Buran indicated to Mr.&nbsp;Manditch Flushing&#146;s potential interest in submitting a more definitive proposal for the consideration of the Empire
board, and Mr.&nbsp;Manditch communicated that Empire would be open to considering a proposal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On July&nbsp;18, 2019, Flushing provided
Empire a letter setting forth a <FONT STYLE="white-space:nowrap">non-binding</FONT> indication of interest that contemplated Flushing acquiring all of the issued and outstanding common stock of Empire in a transaction that valued Empire at a 10%
premium over its then current share price, with 50% of the merger consideration payable in cash and the remainder payable in shares of Flushing common stock, to be based on a fixed exchange ratio determined prior to announcement, subject to, among
other things, completion of due diligence and entry into a definitive agreement. The proposed transaction was not subject to a financing contingency. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On July&nbsp;25, 2019, the Empire board met to consider the <FONT STYLE="white-space:nowrap">non-binding</FONT> indication of interest. At
that meeting, representatives of Piper Sandler presented to the Empire board an assessment of the then current banking market, including the market for mergers and acquisitions, led a discussion regarding various strategic alternatives which may be
available to Empire, including continuing to operate on a stand-alone basis, entering into a transaction with Flushing on the terms presented in the indication of interest or assessing the potential for other acquirors within its market. As a part
of those discussions, the Empire board discussed with the representatives of Piper Sandler an overview of Flushing&#146;s financial performance and reviewed a pro forma analysis of Flushing, taking into account the proposed transaction. The Empire
board also discussed legal matters related to the proposed indication of interest with Fenimore Kay Harrison&nbsp;&amp; Ford, LLP (which we refer to as &#147;Fenimore Kay&#148;), its legal counsel. Following lengthy deliberations, the Empire board
directed management to engage in further discussions with Flushing regarding a possible transaction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Following additional discussions
between management of Empire and Flushing, and their respective financial advisors, on August&nbsp;2, 2019, Flushing provided Empire with a letter setting forth a revised <FONT STYLE="white-space:nowrap">non-binding</FONT> indication of interest,
which contemplated the same transaction structure, but increased the proposed exchange ratio associated with the stock portion of the merger consideration to 0.72 shares of Flushing common stock per share of Empire common stock and the cash portion
of the merger consideration to $14.26 per share. In addition to the revised purchase price, the indication of interest provided for an exclusivity period of 60 days for the parties to conduct due diligence and negotiate the terms of a definitive
agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">47 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On August&nbsp;14, 2019, the Empire board met to consider the revised <FONT
STYLE="white-space:nowrap">non-binding</FONT> indication of interest. At the meeting, representatives of Piper Sandler made a presentation to the Empire board that updated its prior analysis based on the terms of the revised indication of interest.
At that meeting, the Empire board once again considered the terms of the Flushing proposal in relation to other strategic alternatives available to Empire and the market for mergers and acquisitions involving financial institutions. The Empire board
also discussed the pros and cons of the proposal and the strengths and weaknesses of Flushing as a prospective transaction partner. After reviewing with the representatives of Piper Sandler the potential for other acquirors within its market, and
engaging in extensive discussion regarding the terms of the Flushing offer, the Empire board authorized management to enter into the <FONT STYLE="white-space:nowrap">non-binding</FONT> indication of interest and commence due diligence regarding a
potential transaction. Accordingly, on August 14, 2019, Mr.&nbsp;Manditch confirmed to Mr.&nbsp;Buran during a telephone conference that Empire agreed to an exclusivity period that would terminate on October&nbsp;2, 2019. Thereafter, on
August&nbsp;16, 2019, Empire and Flushing entered into a mutual confidentiality and <FONT STYLE="white-space:nowrap">non-disclosure</FONT> agreement and commenced reciprocal due diligence and negotiations with respect to the terms of a definitive
agreement. Commencing August&nbsp;22, 2019, Empire provided Flushing with access to an electronic data room containing various corporate, financial, legal and compliance documents, and on August&nbsp;29, 2019 Flushing conducted due diligence
interviews of Empire&#146;s senior management team. On September&nbsp;6, 2019, legal counsel for Flushing distributed a draft merger agreement to Empire and its legal counsel which formed the basis of the negotiation of deal terms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As a part of its due diligence process, Flushing reviewed the material agreements of Empire and evaluated any payments that would be due under
certain of those agreements as a result of the completion of the proposed merger as well as the costs associated with terminating or modifying certain of those agreements as a result of the merger and the corresponding effects on the value of the
transaction. Based on Flushing&#146;s due diligence evaluation, including with respect to the additional transaction costs reflected in these agreements, during a telephone conversation between Mr.&nbsp;Buran and Mr.&nbsp;Manditch on
September&nbsp;10, 2019, Flushing proposed an adjustment to the proposed merger consideration, which resulted in a decrease in the exchange ratio to 0.654 shares of Flushing common stock per share of Empire common stock and cash consideration of
$13.32 per share. Mr.&nbsp;Manditch and Mr.&nbsp;Buran discussed pricing terms several times during telephone conversations over the following week. Contemporaneously with these discussions, the parties continued to conduct reciprocal due diligence
during September, and management of Empire and Flushing engaged in negotiations over the other business and legal terms of the proposed merger. Primary subjects of these negotiations included the scope of operational covenants; employee matters;
tax, accounting and contract issues relating to executive compensation; the scope of termination rights and the amount of any fees upon termination; and the scope of ancillary agreements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Empire board met on September&nbsp;19, 2019 to further discuss the status of negotiations with Flushing. At that meeting, the Empire board
deliberated extensively with respect to the proposed adjustment in transaction pricing in light of, among other things, the economic environment for banks, the market for bank stocks and the market for mergers and acquisitions involving banks,
including metrics of recent transactions. Management also discussed with the Empire board the evaluation of the revised proposal provided by representatives of Piper Sandler. The Empire board discussed at length the prospects for remaining
independent and additional measures that might be taken to enhance operating performance on a stand-alone basis. In the context of these discussions, the Empire board also considered the impact on shareholder value of the various strategic options
presented and discussed with representatives of Fenimore Kay various legal matters related to the board&#146;s considerations. After extensive deliberation, the Empire board determined that additional information would be required to more fully
assess the opportunities for enhancing shareholder value through remaining independent and directed that management more fully explore those measures. The Empire board also unanimously agreed to remain engaged in negotiations with Flushing subject
to further negotiations to increase the proposed transaction pricing. Finally, the Empire board authorized management to extend the exclusivity period under the previously executed indication of interest to enable the parties to continue discussions
in good faith. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On September&nbsp;20, 2019, Mr.&nbsp;Manditch informed Mr.&nbsp;Buran during a telephone
conversation that the Empire board did not accept Flushing&#146;s proposal for pricing terms as provided during their September&nbsp;10<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> telephone conversation. Mr.&nbsp;Manditch stated that the
Empire board was seeking a value for its shareholders at least equivalent to the value of Flushing&#146;s initial proposal and was willing to continue negotiations on an exclusive basis. On September&nbsp;20, 2019, the parties extended the
exclusivity period to November&nbsp;1, 2019. Subsequent to the September&nbsp;19, 2019 board meeting, the senior management and legal counsel of each of Flushing and Empire continued to engage in diligence regarding the parties and negotiations
regarding the terms of the proposed transaction. In addition, management of Empire continued to evaluate opportunities for enhancing shareholder value as a stand-alone financial institution. In addition, Flushing engaged in discussions and
negotiations regarding the terms of the employment and consulting agreements contemplated by the original merger agreement with the affected executives. The Empire board convened telephonic meetings on October&nbsp;9, 2019 and October&nbsp;16, 2019
to provide status updates with respect to the ongoing negotiations between the parties, although no revised proposals had been received by Empire for board deliberation at those meetings, and no formal actions were taken by the Empire board with
respect to the proposed transaction at those meetings. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Flushing board met on October&nbsp;16, 2019 to discuss the status of the
negotiations. The board reviewed with management, its legal counsel and financial advisors all the material terms of the proposed transaction negotiated to date, discussed the pricing and other issues that remained to be resolved and authorized
Mr.&nbsp;Buran to continue to pursue the proposed transaction within the pricing parameters discussed with the Board. In the several days following the October&nbsp;16, 2019 board meetings, management of Flushing and Empire, and their respective
financial advisors, continued to discuss and negotiate the pricing terms of the transaction based on the results of Flushing&#146;s due diligence. During a telephone conversation on October&nbsp;18, 2019, Mr.&nbsp;Buran suggested to
Mr.&nbsp;Manditch a transaction with an aggregate value of approximately $110&nbsp;million based on Flushing&#146;s recent trading price with the cash component fixed at $14.00 per share and the exchange ratio to be fixed immediately prior to
execution of a definitive agreement. On October&nbsp;21, 2019, the Empire board met again to discuss the revised proposal from Flushing. The Empire board once again considered the terms of the revised Flushing proposal in relation to other strategic
alternatives available to Empire and the market for mergers and acquisitions involving financial institutions. Representatives of Piper Sandler participated in the discussion. The Empire board directed management to finalize its discussions with
Flushing, with the goal of bringing a final agreement for the consideration of the Empire board at its October&nbsp;24, 2019 meeting. In the several days following the October&nbsp;21, 2019 Empire board meeting, management of Flushing and Empire and
their respective legal counsel and financial advisors discussed and agreed upon a final set of terms for the transaction, which would consist of 50% of the purchase price payable in cash in an amount equal to $14.04 per share, with the remaining 50%
payable in shares of Flushing common stock, based on an exchange ratio of 0.6548 shares of Flushing common stock per share of Empire common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On October&nbsp;23, 2019, the Flushing board met to review and consider the final negotiated terms of the proposed transaction with Empire and
authorized Mr.&nbsp;Buran and management to finalize the transaction based upon the terms presented, subject to approval by the Empire board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On October&nbsp;24, 2019, the Empire board held a special meeting to review and consider the proposed transaction. At the meeting,
representatives of Fenimore Kay explained the terms of the merger agreement and related transaction documents. Also at this meeting, representatives of Piper Sandler reviewed the financial aspects of the proposed merger and summarized the potential
strategic and financial rationale for the transaction for both parties and responded to questions by the Empire board. Representatives of Piper Sandler then delivered its oral opinion, which was confirmed in writing on that same date, to the effect
that, as of October&nbsp;24, 2019 and subject to the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by Piper Sandler as set forth in its opinion, the merger consideration was
fair, from a financial point of view, to the holders of Empire common stock. After further discussion among the directors and Empire&#146;s advisors, including with respect to the factors described in &#147;Proposal No. 1&#151;The Merger and the
Amendment&#151;Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the Empire Board,&#148; the Empire board unanimously determined that the merger and the merger agreement were advisable, and fair to,
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and in the best interests of, Empire and its shareholders, and unanimously approved the original merger agreement and related actions and recommended the adoption and approval of such agreement
and transactions to the Empire shareholders. After this meeting, the parties entered into the original merger agreement and announced the transaction in a joint press release prior to the opening of trading on October&nbsp;25, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On February 12, 2020, the FDIC issued an order approving Flushing Bank&#146;s Bank Merger Act application, subject to the satisfaction of
certain conditions prior to closing of the transaction. On February 24, 2020, the NYDFS issued a conditional order approving Flushing Bank&#146;s application and requiring the filing of additional materials prior to the closing of the transaction.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On February 27, 2020, the merger agreement and the merger were approved by the requisite vote of the holders of Empire voting common
stock, with 4,649,412 shares voting in favor of the merger proposal, 74,857 voting against the merger proposal and 10,000 shares abstaining with respect to the merger proposal. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_53a"></A>Background of the Amendment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subsequent to the approval of the merger by Empire&#146;s shareholders, the parties determined that the operational challenges associated with
the COVID-19 pandemic and subsequent market instability would not permit the parties to close the merger in early April 2020, as originally planned. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In March 2020, the World Health Organization recognized the outbreak of COVID-19 as a pandemic. The spread of COVID-19 created a global public
health crisis that has resulted in unprecedented uncertainty, volatility and disruption in financial markets and in governmental, commercial and consumer activity in the United States and globally. In response to the pandemic, the government issued
orders to shelter in place and maintain social distancing and closed businesses that were not deemed essential. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On March 23, 2020,
Flushing and Empire jointly announced that the closing of the merger would be delayed due to the severe instability and volatility in the U.S. financial and stock markets and the unprecedented operational challenges facing both Flushing and Empire,
as well as the entire financial services industry, due to COVID-19. Flushing and Empire believed that attempting to close the transaction during a time of severe economic uncertainty and wild volatility in stock prices could adversely impact the
shareholders of both institutions and would severely strain the ability of both banks to focus on the needs of their customers. The COVID-19 outbreak, and the necessary government and social reaction intended to minimize its impact, had created
significant disruption of business, commerce, travel, and normal daily activities in the New York metropolitan area and throughout the United States, adversely affecting the respective customers, employees and shareholders of both Flushing and
Empire. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Between March 23, 2020 and July 30, 2020, the parties remained in contact and continued their respective preparations for
completing the merger in accordance with the provisions of the merger agreement. Representatives of Empire and Flushing also began discussing potential alternatives for completing the merger in the absence of the parties&#146; ability to satisfy the
closing condition relating to the parties&#146; receipt of tax opinions that the merger will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. During this time, each party engaged in continuing diligence
activities related to the impact of the COVID-19 pandemic on the other party&#146;s financial and regulatory condition, results of operation and prospects. During the months of March, April and May, Flushing and Empire each remained focused on
managing their respective businesses through the COVID-19 pandemic, with an emphasis on their respective employees, customers and business operations. Flushing and Empire implemented measures to protect employees and promote business continuity
while providing support to their customers and communities facing challenges due to the impacts of COVID-19, including allowing certain employees to work from home, restricting branch lobby hours, utilizing appointment banking for in-person
transactions and closing certain branches. Flushing and Empire also provided loans under the CARES Act and the PPP, and provided a range of loan payment deferral options. During the second quarter of 2020, Flushing&#146;s stock price ranged between
$9.19 and $13.88, which was below the level needed to obtain </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the requisite tax opinions for closing. Accordingly, Flushing and Empire determined that they would be unable to receive the requisite tax opinions that the merger will qualify as a
&#147;reorganization&#148; within the meaning of Section 368(a) of the Code. See &#147;Proposal No. 1: The Amendment Proposal&#151;Material U.S. Federal Income Tax Consequences of the Merger&#148; on page&nbsp;84. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On May 28, 2020, the Empire board held a meeting and authorized Mr. Manditch to contact Mr. Buran regarding a path forward with respect to the
merger, and on June 2, 2020, Mr. Manditch sent a letter to Mr. Buran to discuss proceeding with the merger on a basis that could be taxable to Empire&#146;s shareholders, which Empire understood would require a re-solicitation and approval from the
requisite vote of the holders of Empire voting common stock. Mr. Manditch&#146;s letter also stated that the Empire board was prepared to extend the merger agreement termination date beyond July 31, 2020. On June 23, 2020, the Flushing board met
with representatives of Flushing to review and discuss various alternatives for proceeding with the transaction. Following this meeting, Mr. Manditch and Mr. Buran engaged in several discussions regarding the impact of the COVID-19 pandemic and
various alternatives for proceeding with the transaction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On July 16, 2020, the Flushing board held a meeting to discuss the potential
alternatives with regards to the transaction. The Flushing board reviewed with management, its legal counsel, and financial advisors the possible outcomes and the risks associated with the various scenarios. The Flushing board instructed management
to continue pursuing a path to complete the transaction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing management and Empire management engaged in discussions regarding
Flushing Bank&#146;s and Empire Bank&#146;s respective credit performance during the COVID-19 economic environment. Both management teams discussed specific loans for which forbearances were granted consistent with government policy and the status
of underlying credits, and assessed the potential post-merger risks for Flushing as the surviving corporation and Flushing Bank as the surviving bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subsequent to these discussions, on July 30, 2020, legal counsel for Flushing distributed a draft amendment to Empire and its legal counsel
which provided, among other things, that the closing of the merger would not be conditioned upon the parties&#146; receipt of tax opinions that the merger will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code.
The Empire board met on July 31, 2020 to discuss the material terms of the amendment and to consider the ongoing impact of the COVID-19 pandemic on the proposed merger and the parties. At that meeting, the Empire board authorized the continuation of
discussions with Flushing regarding the completion of the merger according to the terms set forth in the draft amendment and the completion of Empire&#146;s diligence activities with respect to Flushing. On August 3, 2020, Flushing and Empire
jointly announced their respective intentions not to exercise their respective rights to terminate the merger agreement and to continue to engage in discussions for a longer term extension of time to complete the merger. The Empire board met again
on August 7, 2020 to discuss the proposed amendment and the risks and costs of extending the merger agreement, including the costs to Empire should the merger transaction fail to close. The Empire board further discussed steps to mitigate those
risks. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On August 11, 2020, the Empire board held a special meeting to review and consider the final negotiated terms of the proposed
amendment. At the meeting, representatives of Fenimore Kay explained the terms of the amendment and its impact of the terms of the previously adopted merger agreement and related transaction documents. Management also presented its report as to
results of its updated diligence activities performed with respect to Flushing. Also at this meeting, representatives of Piper Sandler reviewed the financial aspects of the proposed merger and summarized the potential strategic and financial
rationale for the transaction for both parties and responded to questions by the Empire board. Representatives of Piper Sandler then delivered its oral opinion, which was confirmed in writing on that same date, to the effect that, as of August 11,
2020 and subject to the procedures followed, assumptions made, matters considered, and qualifications and limitations on the review undertaken by Piper Sandler as set forth in its opinion, the merger consideration was fair, from a financial point of
view, to the holders of Empire common stock. After extensive discussion among the directors and Empire&#146;s advisors, including with respect to the factors described in &#147;Proposal No. 1&#151;The Merger and the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Amendment&#151;Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the Empire Board,&#148; the Empire board unanimously adopted a resolution to approve the amendment and
determined that the amendment, the amended merger agreement and the transactions contemplated by the amended merger agreement were advisable, and fair to, and in the best interests of, Empire and its shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On August 14, 2020, the Flushing board held a special meeting to review and consider the final negotiated terms of the proposed amendment. The
Flushing board reviewed with management, its legal counsel, and financial advisors the amendment, updated financial metrics of Empire and a proposed timeline of consummation of the transaction. The Flushing board unanimously approved the amendment.
Thereafter, the parties entered into the amendment and announced the transaction in a joint press release prior to the opening of trading on August 17, 2020. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_54"></A>Empire&#146;s Reasons for the Merger, the Amendment and Recommendation of the Empire Board </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">After careful consideration, at its meeting on August 11, 2020, the Empire board determined that the amendment, the amended merger agreement
and the transactions contemplated by the amended merger agreement are in the best interests of Empire and its shareholders and that the consideration to be received in the merger is fair to the Empire shareholders. Accordingly, the Empire board
unanimously approved the amendment and recommended that the Empire shareholders vote &#147;FOR&#148; the Empire amendment proposal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In
reaching its decision to approve the amendment and recommend the amendment to its shareholders, the Empire board evaluated the merger and the amended merger agreement, in consultation with Empire&#146;s management, as well as its legal and financial
advisors, and considered a number of positive factors, including the following material factors, which are not presented in order of priority: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">its knowledge of the business, operations, financial and regulatory condition, earnings and prospects of Empire
and Flushing; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">its knowledge of the current environment in the financial services industry, including national and regional
economic conditions, increased regulatory burdens, evolving trends in technology, increasing competition, the current financial market and regulatory conditions and the likely effects of these factors on the potential growth of Empire and Flushing,
development, productivity, profitability and strategic options; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the complementary aspects of Empire&#146;s and Flushing&#146;s respective businesses, including customer focus,
geographic coverage, business orientation and compatibility of the companies&#146; management and operating styles; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s belief that a merger with Flushing would allow Empire shareholders to participate in the future
performance of a combined company that would have better future prospects and economies of scale than Empire was likely to achieve on a stand-alone basis or through other strategic alternatives; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s belief that Empire and Flushing share a similar strategic vision; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the fact that the portion of the merger consideration paid in the form of Flushing common stock would allow
former Empire shareholders to participate as Flushing shareholders in the growth of Flushing and in any synergies resulting from the merger; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the historical performance of Flushing common stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the fact that Flushing has historically paid dividends on its common stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the limited liquidity that Empire shareholders have with respect to their investment in Empire, and the fact that
as Flushing shareholders, Empire&#146;s shareholders would be expected to have increased liquidity in the form of a publicly-traded, NASDAQ-listed security; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the immediate liquidity to Empire shareholders, and the certainty of the amount, reflected by the cash portion of
the merger consideration; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the value of the merger consideration compared to, among other metrics (i)&nbsp;the current and projected book
value of Empire, (ii)&nbsp;the historical and present operating results of Empire, (iii)&nbsp;the estimated future operating results and financial position of Empire, including consideration of prospects for improvement in those results and
financial position in both the near and long term, and (iv)&nbsp;other similar recent transactions in the industry; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the anticipated tax consequences of the receipt of the merger consideration to Empire shareholders;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the terms of the amendment and the amended merger agreement, and the presentation by Empire&#146;s legal advisors
regarding the merger and the merger agreement; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the financial analyses of Piper Sandler which were presented to the Empire board and the opinion of Piper
Sandler, dated August 11, 2020, to the Empire board to the effect that, as of August 11, 2020, and subject to the assumptions, limitations and qualifications set forth in the opinion, the merger consideration was fair, from a financial point of
view, to the holders of Empire common stock, as more fully described below under the section of this proxy statement/prospectus entitled &#147;&#151;Opinion of Piper Sandler&#148;; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the regulatory and other approvals required in connection with the merger and the likelihood that the approvals
needed to complete the merger will be obtained within a reasonable time and without unacceptable conditions. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Empire
board also considered potential risks and potentially negative factors concerning the merger in connection with its deliberations of the proposed transaction, including the following material factors: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the potential negative impact of the announcement of the merger on Empire&#146;s business and relations with
customers, service providers and other stakeholders, whether or not the merger is completed; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the challenges of combining the businesses, assets and workforces of two financial institutions;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the potential risk of diverting management focus and resources from other strategic opportunities and from
operational matters while working to implement the merger; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the risks and costs to Empire if the merger is not completed, including steps taken by the parties designed to
mitigate those risks; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the fact that the merger consideration, a large component which consists of shares of Flushing common stock,
provides less certainty of value to Empire shareholders compared to a transaction in which they would receive only cash consideration; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the potential for a decline in the value of Flushing common stock&#151;whether before or after consummation of
the merger&#151;reducing the value of the consideration received by Empire&#146;s shareholders; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the provisions of the amended merger agreement restricting Empire&#146;s solicitation of third party acquisition
proposals and the fact that Empire would be obligated to pay a termination fee following the termination of the amended merger agreement in certain circumstances; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the restrictions on the conduct of Empire&#146;s business prior to completion of the merger, which may adversely
affect Empire&#146;s ability to make certain decisions quickly and independently and may delay or prevent Empire from undertaking business opportunities that may arise pending completion of the merger; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the requirement that Empire submit the amendment and the amended merger agreement to its shareholders for
approval even if Empire&#146;s board withdraws its recommendation to approve the amendment and the amended merger agreement; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the potential for unintended delays in the regulatory approval process; and </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">53 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the interests of certain of Empire&#146;s directors and executive officers in the merger that are different from,
or in addition to, their interests as Empire shareholders, which are further described in the section of this proxy statement/prospectus entitled &#147;&#151;Interests of Certain Persons in the Merger.&#148; </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In the context of the Empire board&#146;s deliberations of the factors above, the Empire board also considered the experience of Empire and Flushing, as
stand-alone entities, with respect to the COVID-19 pandemic, as well as the potential further effects of the pandemic to each entity and to the combined organization, assuming the completion of the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing discussion of the factors considered by the Empire board is not intended to be exhaustive, but is believed to include the
material factors considered by the Empire board. The Empire board collectively reached the unanimous conclusion to approve the amendment, the amended merger agreement and the transactions contemplated by the amended merger agreement in light of the
various factors described above and other factors that each member of the Empire board determined was appropriate. In view of the wide variety of the factors considered in connection with its evaluation of the merger and the complexity of these
matters, the Empire board did not find it useful, and did not attempt, to quantify, rank or otherwise assign relative weights to these factors. In considering the factors described above, the individual members of the Empire board may have given
different weight to different factors. The Empire board conducted an overall analysis of the factors described above including thorough discussions with Empire management and Empire&#146;s advisors, and considered the factors overall to be favorable
to, and to support, its determination. It should be noted that this explanation of the Empire board&#146;s reasoning and all other information presented in this section is forward-looking in nature and, therefore, should be read in light of the
factors discussed under the heading &#147;Cautionary Statement Regarding Forward-Looking Statements.&#148; </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_55"></A>Opinion of Piper
Sandler </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire retained Piper Sandler to act as financial advisor to the Empire board in connection with Empire&#146;s consideration
of a possible business combination. Empire selected Piper Sandler to act as its financial advisor because Piper Sandler is a nationally recognized investment banking firm whose principal business specialty is financial institutions. In the ordinary
course of its investment banking business, Piper Sandler is regularly engaged in the valuation of financial institutions and their securities in connection with mergers and acquisitions and other corporate transactions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler acted as financial advisor to the Empire board in connection with the proposed transaction and participated in certain of the
negotiations leading to the execution of the amendment. At the August 11, 2020 meeting at which the Empire board considered the amendment, the amended merger agreement and the transactions contemplated by the amended merger agreement, Piper Sandler
delivered to the board of directors its oral opinion, which was subsequently confirmed in writing on August 11, 2020, to the effect that, as of such date, the merger consideration was fair to the holders of Empire&#146;s common stock from a
financial point of view. <B>The full text of Piper Sandler&#146;s opinion</B> <B>is attached as </B><B><U>Annex D</U></B><B> to this proxy statement/prospectus. The opinion outlines the procedures followed, assumptions made, matters considered and
qualifications and limitations on the review undertaken by Piper Sandler in rendering its opinion. The description of the opinion set forth below is qualified in its entirety by reference to the full text of the opinion. Holders of Empire common
stock are urged to read the entire opinion carefully in connection with their consideration of the amendment proposal.</B> </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper
Sandler&#146;s opinion was directed to the Empire board in connection with its consideration of the amendment, the amended merger agreement and the transactions contemplated by the amended merger agreement and does not constitute a recommendation to
any shareholder of Empire as to how any such shareholder should vote at any meeting of shareholders called to consider and vote upon the approval of the transaction and the amendment and the amended merger agreement. Piper Sandler&#146;s opinion was
directed only to the fairness, from a financial point of view, of the merger consideration to the holders of Empire common stock </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and did not address the underlying business decision of Empire to engage in the transaction, the form or structure of the transaction or any other transactions contemplated in the amended merger
agreement, the relative merits of the transaction as compared to any other alternative transactions or business strategies that might exist for Empire or the effect of any other transaction in which Empire might engage. Piper Sandler also did not
express any opinion as to the fairness of the amount or nature of the compensation to be received in the transaction by any officer, director or employee of Empire or Flushing, or any class of such persons, if any, relative to the compensation to be
received in the transaction by any other shareholder. Piper Sandler&#146;s opinion was approved by Piper Sandler&#146;s fairness opinion committee. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with its opinion, Piper Sandler reviewed and considered, among other things: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an execution version of the merger agreement, dated October&nbsp;24, 2019; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an execution version of Amendment No. 1 to the merger agreement and the August&nbsp;4, 2020 draft of Amendment
No. 2; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">certain publicly available financial statements and other historical financial information of Empire and its
banking subsidiary that Piper Sandler deemed relevant; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">certain publicly available financial statements and other historical financial information of Flushing that Piper
Sandler deemed relevant; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">certain internal financial projections for Empire for the years ending December&nbsp;31, 2020 through
December&nbsp;31, 2022, as provided by the senior management of Empire, as well as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December 31, 2023 and December 31, 2024, as confirmed by the senior
management of Empire; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">publicly available median analyst earnings per share estimates for Flushing for the years ending
December&nbsp;31, 2020 and December&nbsp;31, 2021; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">internal earnings per share estimates for Flushing for the years ending December&nbsp;31, 2020 and December 31,
2021 as provided by the senior management of Flushing as well as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December 31, 2022 through December 31, 2024, as confirmed by the senior management of
Flushing, and estimated dividends per share for Flushing for the years ending December 31, 2020 through December 31, 2024, as provided by the senior management of Flushing; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the pro forma financial impact of the merger on Flushing based on certain assumptions relating to purchase
accounting adjustments, transaction expenses, cost savings, and certain adjustments for current expected credit loss, or CECL, accounting standards, as provided by the senior management of Flushing and its representatives; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the publicly reported historical price and trading activity for Empire common stock and Flushing common stock,
including a comparison of certain stock market information for Empire common stock and Flushing common stock and certain stock indices as well as publicly available information for certain other similar companies, the securities of which are
publicly traded; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a comparison of certain financial information for Empire and Flushing with similar financial institutions for
which information is publicly available; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the financial terms of certain recent business combinations in the bank and thrift industry (on a regional and
nationwide basis), to the extent publicly available; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the current market environment generally and the banking environment in particular; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">such other information, financial studies, analyses and investigations and financial, economic and market
criteria as Piper Sandler considered relevant. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler also discussed with certain members of the senior
management of Empire and its representatives the business, financial condition, results of operations and prospects of Empire and held similar </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
discussions with certain members of the management of Flushing and its representatives regarding the business, financial condition, results of operations and prospects of Flushing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In performing its review, Piper Sandler relied upon the accuracy and completeness of all of the financial and other information that was
available to and reviewed by Piper Sandler from public sources, that was provided to Piper Sandler by Empire or Flushing or their respective representatives, or that was otherwise reviewed by Piper Sandler, and Piper Sandler assumed such accuracy
and completeness for purposes of rendering its opinion without any independent verification or investigation. Piper Sandler relied on the assurances of the respective managements of Empire and Flushing that they were not aware of any facts or
circumstances that would have made any of such information inaccurate or misleading. Piper Sandler was not asked to and did not undertaken an independent verification of any of such information and Piper Sandler did not assume any responsibility or
liability for the accuracy or completeness thereof. Piper Sandler did not make an independent evaluation or perform an appraisal of the specific assets, the collateral securing assets or the liabilities (contingent or otherwise) of Empire or
Flushing or any of their respective subsidiaries, nor was Piper Sandler furnished with any such evaluations or appraisals. Piper Sandler rendered no opinion or evaluation on the collectability of any assets or the future performance of any loans of
Empire or Flushing or any of their respective subsidiaries. Piper Sandler did not make an independent evaluation of the adequacy of the allowance for loan losses of Empire or Flushing, or of the combined entity after the transaction, and Piper
Sandler did not review any individual credit files relating to Empire or Flushing or any of their respective subsidiaries. Piper Sandler assumed, with Empire&#146;s consent, that the respective allowances for loan losses for Empire, Flushing and
their respective subsidiaries were adequate to cover such losses and would be adequate on a pro forma basis for the combined entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In
preparing its analyses, Piper Sandler used certain internal financial projections for Empire for the years ending December&nbsp;31, 2020 through December 31, 2022, as provided by the senior management of Empire, as well as estimated long-term annual
earnings per share and balance sheet growth rates for the years ending December 31, 2023 and December 31, 2024, as confirmed by the senior management of Empire. In addition, Piper Sandler used internal earnings per share estimates for Flushing for
the years ending December&nbsp;31, 2020 and December 31, 2021, as provided by the senior management of Flushing, as well as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December 31, 2022 through
December 31, 2024, as confirmed by the senior management of Flushing, and estimated dividends per share for Flushing for the years ending December 31, 2020 through December 31, 2024, as provided by the senior management of Flushing. Piper Sandler
also received and used in its pro forma analysis certain assumptions relating to purchase accounting adjustments, transaction expenses, cost savings and certain adjustments for CECL accounting standards, as provided by the senior management of
Flushing and its representatives. With respect to the foregoing information, the respective senior managements of Empire and Flushing confirmed to Piper Sandler that such information reflected the best currently available projections, estimates and
judgments of those respective senior managements as to the future financial performance of Empire and Flushing, respectively, and the other matters covered thereby. Piper Sandler expresses no opinion as to such information, or the assumptions on
which such information is based. Piper Sandler has also assumed that there has been no material change in the respective assets, financial condition, results of operations, business or prospects of Empire or Flushing since the date of the most
recent financial statements made available to Piper Sandler. Piper Sandler has assumed in all respects material to its analyses that Empire and Flushing will remain as going concerns for all periods relevant to its analyses. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler also assumed, with Empire&#146;s consent, that (i)&nbsp;each of the parties to the amended merger agreement would comply in all
material respects with all material terms and conditions of the amended merger agreement and all related agreements, that all of the representations and warranties contained in such agreements were true and correct in all material respects, that
each of the parties to such agreements would perform in all material respects all of the covenants and other obligations required to be performed by such party under such agreements and that the conditions precedent in such agreements were not and
would not be waived, (ii)&nbsp;in the course of obtaining the necessary regulatory or third party approvals, consents and releases with respect to the merger, no delay, limitation, restriction or condition would be imposed that would have an adverse
effect on </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">56 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Empire, Flushing, the merger or any related transactions, and (iii)&nbsp;the merger and any related transactions would be consummated in accordance with the terms of the amended merger agreement
without any waiver, modification or amendment of any material term, condition or agreement thereof and in compliance with all applicable laws and other requirements. Finally, with Empire&#146;s consent, Piper Sandler relied upon the advice that
Empire received from its legal, accounting and tax advisors as to all legal, accounting and tax matters relating to the transaction and the other transactions contemplated by the amended merger agreement. Piper Sandler expressed no opinion as to any
such matters. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler opinion was necessarily based on financial, regulatory, economic, market and other conditions as in effect
on, and the information made available to Piper Sandler as of, the date thereof. Events occurring after the date thereof could materially affect Piper Sandler&#146;s opinion. Piper Sandler has not undertaken to update, revise, reaffirm or withdraw
its opinion or otherwise comment upon events occurring after the date thereof. Piper Sandler expressed no opinion as to the trading value of Empire common stock or Flushing common stock at any time or what the value of Flushing common stock would be
once it is actually received by the holders of Empire common stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In rendering its opinion, Piper Sandler performed a variety of
financial analyses. The summary below is not a complete description of all the analyses underlying Piper Sandler&#146;s opinion or the presentation made by Piper Sandler to Empire&#146;s board, but is a summary of the material analyses performed and
presented by Piper Sandler. The summary includes information presented in tabular format. <B>In order to fully understand the financial analyses, these tables must be read together with the accompanying text. The tables alone do not constitute a
complete description of the financial analyses.</B> The preparation of a fairness opinion is a complex process involving subjective judgments as to the most appropriate and relevant methods of financial analysis and the application of those methods
to the particular circumstances. The process, therefore, is not necessarily susceptible to a partial analysis or summary description. Piper Sandler believes that its analyses must be considered as a whole and that selecting portions of the factors
and analyses to be considered without considering all factors and analyses, or attempting to ascribe relative weights to some or all such factors and analyses, could create an incomplete view of the evaluation process underlying its opinion. Also,
no company included in Piper Sandler&#146;s comparative analyses described below is identical to Empire or Flushing and no transaction is identical to the transaction. Accordingly, an analysis of comparable companies or transactions involves complex
considerations and judgments concerning differences in financial and operating characteristics of the companies and other factors that could affect the public trading values or transaction values, as the case may be, of Empire and Flushing and the
companies to which they were compared. In arriving at its opinion, Piper Sandler did not attribute any particular weight to any analysis or factor that it considered. Rather, Piper Sandler made qualitative judgments as to the significance and
relevance of each analysis and factor. Piper Sandler did not form an opinion as to whether any individual analysis or factor (positive or negative) considered in isolation supported or failed to support its opinion, rather, Piper Sandler made its
determination as to the fairness of the merger consideration to the holders of Empire common stock on the basis of its experience and professional judgment after considering the results of all its analyses taken as a whole. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In performing its analyses, Piper Sandler also made numerous assumptions with respect to industry performance, business and economic
conditions and various other matters, many of which cannot be predicted and are beyond the control of Empire, Flushing, and Piper Sandler. The analyses performed by Piper Sandler are not necessarily indicative of actual values or future results,
both of which may be significantly more or less favorable than suggested by such analyses. Piper Sandler prepared its analyses solely for purposes of rendering its opinion and provided such analyses to the Empire board at its August 11, 2020
meeting. Estimates on the values of companies do not purport to be appraisals or necessarily reflect the prices at which companies or their securities may actually be sold. Such estimates are inherently subject to uncertainty and actual values may
be materially different. Accordingly, Piper Sandler&#146;s analyses do not necessarily reflect the value of Empire common stock or Flushing common stock or the prices at which Empire or Flushing common stock may be sold at any time. The analyses of
Piper Sandler and its opinion were among a number of factors taken into consideration by the Empire board in making its determination to approve the amendment, the amended merger </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">57 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
agreement and the transactions contemplated thereby and the analyses described below should not be viewed as determinative of the decision of the Empire board with respect to the fairness of the
merger consideration. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Summary of Proposed Transaction Consideration and Implied Transaction Metrics </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler reviewed the financial terms of the proposed transaction. Pursuant to the terms of the amended merger agreement, at the effective
time of the transaction each share of Empire common stock issued and outstanding immediately prior to the effective time of the transaction, except for certain shares as set forth in the amended merger agreement, will be converted into the right to
receive, without interest: (i)&nbsp;for each share of Empire common stock with respect to which a cash election has been effectively made and not revoked or deemed revoked pursuant to the amended merger agreement, an amount in cash equal to $14.04;
or (ii)&nbsp;for each share of Empire common stock with respect to which a stock election has been effectively made and not revoked or deemed revoked pursuant to the amended merger agreement, a number of validly issued, fully paid and <FONT
STYLE="white-space:nowrap">non-assessable</FONT> shares of Flushing common stock, par value $0.01 per share, equal to 0.6548. The amended merger agreement provides, generally, that fifty percent of the total number of shares of Empire common stock
will be converted into the per share stock consideration and fifty percent of such shares of Empire common stock will be converted into the per share cash consideration in accordance with the election and allocation procedures set forth in the
amended merger agreement. Based on the closing price per share of Flushing&#146;s common stock on August 10, 2020 of $12.20 and based upon 7,816,344 shares of Empire common stock outstanding and 28,500 options outstanding with a weighted average
exercise price of $10.00, Piper Sandler calculated an aggregate implied transaction value of $86.1&nbsp;million. Based upon financial information for Empire as of or for the last twelve months (&#147;LTM&#148;) ended June&nbsp;30, 2020 and the
closing price of Empire&#146;s common stock on August 10, 2020, Piper Sandler calculated the following implied transaction metrics: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="90%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / Empire Book Value Per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">97</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / Empire Tangible Book Value Per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">97</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%&nbsp;</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / Empire LTM Earnings per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">18.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">x&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / Empire 2020 Estimated Earnings Per Share&sup1;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">13.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">x&nbsp;</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / Empire 2021 Estimated Earnings Per Share&sup1;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">12.5</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">x&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tangible Book Premium / Empire Core Deposits (CDs &gt; $100K)&sup2;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.3</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%&nbsp;</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tangible Book Premium / Empire Core Deposits (CDs &gt; $250K)&sup3;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.3</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Market Premium (as of August 10, 2020)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">15.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%&nbsp;</P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Estimated net income as provided by Empire management and its representatives </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Core deposits defined as total deposits less time deposits greater than $100,000 </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Core deposits defined as total deposits less time deposits greater than $250,000 </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Stock Trading History </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper
Sandler reviewed the publicly available historical reported trading prices of Empire common stock and Flushing common stock for the <FONT STYLE="white-space:nowrap">one-year</FONT> and three-year periods ended August 10, 2020. Piper Sandler then
compared the relationship between the movements in the price of Empire common stock and Flushing common </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">58 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
stock, respectively, to movements in their respective peer groups (as described below) as well as certain stock indices. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Empire&#146;s <FONT STYLE="white-space:nowrap">One-Year</FONT> Stock Performance </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>

<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Beginning&nbsp;Value<BR>August&nbsp;9,&nbsp;2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Ending&nbsp;Value<BR>August&nbsp;10,&nbsp;2020</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Empire</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">74.5</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Empire Peer Group</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">78.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">S&amp;P 500 Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">115.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">NASDAQ Bank Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">80.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Empire&#146;s Three-Year Stock Performance </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>

<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Beginning&nbsp;Value<BR>August&nbsp;10,&nbsp;2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Ending&nbsp;Value<BR>August&nbsp;10,&nbsp;2020</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Empire</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">65.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Empire Peer Group</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">82.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">S&amp;P 500 Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">137.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">NASDAQ Bank Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">78.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Flushing&#146;s <FONT STYLE="white-space:nowrap">One-Year</FONT> Stock Performance </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>

<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Beginning&nbsp;Value<BR>August&nbsp;9,&nbsp;2019</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Ending&nbsp;Value<BR>August&nbsp;10,&nbsp;2020</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Flushing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">63.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Flushing Peer Group</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">82.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">S&amp;P 500 Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">115.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">NASDAQ Bank Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">80.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Flushing&#146;s Three-Year Stock Performance </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="61%"></TD>

<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD>

<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD style="width:27pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:27pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Beginning&nbsp;Value<BR>August&nbsp;10,&nbsp;2017</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Ending&nbsp;Value<BR>August&nbsp;10,&nbsp;2020</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Flushing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">44.3</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Flushing Peer Group</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">68.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">S&amp;P 500 Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">137.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">NASDAQ Bank Index</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">100</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">78.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">%</P></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Comparable Company Analyses </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler used publicly available information to compare selected financial information for Empire with a group of financial institutions
selected by Piper Sandler. The Empire peer group included publicly-traded banks and thrifts headquartered in New York, New Jersey and Connecticut with total assets between $600&nbsp;million and $1.4&nbsp;billion, but excluded targets of announced
merger transactions and Marlin Business Services Corp. due to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">59 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
differences in business model compared to Empire and other peers (the &#147;Empire Peer Group&#148;). The Empire Peer Group consisted of the following companies: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>

<TD WIDTH="20%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="8%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:6pt">
<TD VALIGN="bottom" COLSPAN="5" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:6pt; font-family:Times New Roman; "><B></B><B><I>Financial Data as of June&nbsp;30,
2020</I></B><B></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance&nbsp;Sheet&nbsp;/Asset&nbsp;Quality</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Capital Position</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>LTM Profitability</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Valuation as of August 10, 2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:6pt">
<TD VALIGN="bottom" ROWSPAN="2" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:6pt; font-family:Times New Roman"><B>Company</B></P></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:6pt; font-family:Times New Roman" ALIGN="center"><B>City, State</B></P></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ticker</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Assets</B><br><B>($M)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B><br><B>Deposits</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>NPAs/</B><br><B>Assets</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TCE /<BR>TA</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Leverage<BR>Ratio<BR>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total<BR>RBC<BR>Ratio<BR>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>CRE/<BR>Total</B><br><B>RBC</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAA<BR>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAE</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>NM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Efficiency<BR>Ratio</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price/</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividend</B><br><B>Yield</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Market<BR>Cap</B><br><B>($M)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:6pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TBV</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>LTM<BR>EPS<BR>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2020E<BR>EPS<BR>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2021E<BR>EPS<BR>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Lyons Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Lyons, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">LYBC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,380</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78.0</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.28</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.37</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.62</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.69</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">131.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.82</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.48</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65.02</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Salisbury Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Lakeville,&nbsp;CT</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">SAL</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,287</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.96</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.15</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">178.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Adirondack Trust Company<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Saratoga Strings, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">ADKT</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,245</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">242.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Bank of Utica<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Utica, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">BKUT</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,156</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.11</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.78</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.07</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">108</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Pathfinder Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Oswego, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PBHC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82.2</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.90</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.17</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.64</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133.4</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.37</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">First Commerce Bank<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Lakewood, NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">CMRB</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,011</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">192.7</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Patriot National Bancorp, Inc.<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Stanford, CT</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PNBK</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,000</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">288.2</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.43</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6.14</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Solvay Bank Corporation<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Solvay, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">SOBS</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">960</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">71.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.45</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99.92</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Esquire Financial Holdings, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Jericho, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">ESO</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">852</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.16</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.28</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.50</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171.0</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Berkshire Bancorp, Inc.<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">New York, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">BERK</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">685</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">69.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.45</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24.26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">211.9</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">63.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Elmira Savings Bank</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Elmira, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">ESBK</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">676</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.85</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.36</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.85</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Ballston Spa Bancorp, Inc.<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Ballston Spa, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">BSPA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">626</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.35</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.81</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.44</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">252.5</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The analysis compared publicly available financial information for Empire with corresponding data for the
Empire Peer Group as of or for the twelve months (&#147;LTM&#148;) ended June&nbsp;30, 2020 (unless otherwise noted) with pricing data as of August 10, 2020. The table below sets forth the data for Empire and the median, mean, low and high data for
the Empire Peer Group. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">60 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Empire Comparable Company Analysis </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="55%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:12pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:12pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:55pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:55pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:52pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:52pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:50pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:50pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:51pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:51pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire<BR>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire<BR>Peer&nbsp;Group<BR>Mean</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire<BR>Peer&nbsp;Group<BR>Low</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Empire<BR>Peer&nbsp;Group<BR>High</B></TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Total assets ($mm)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,052</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,005</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,004</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">626</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,360</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Loans / Deposits (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">74.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">82.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">78.5</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">101.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> assets / Total assets
(%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.41</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.52</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.66</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.14</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2.05</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tangible common equity/Tangible assets (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.45</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.90</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.11</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">6.22</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">24.26</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tier 1 Leverage Ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.54</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; line-height:11.0pt ; vertical-align:top">1</SUP>&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.37</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.56</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.00</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">23.10</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Total RBC Ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">16.52</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; line-height:11.0pt ; vertical-align:top">1</SUP>&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">14.72</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">16.98</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">10.41</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">38.40</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">CRE / Total RBC Ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">402.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; line-height:11.0pt ; vertical-align:top">1</SUP>&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">173.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">168.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">14.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">288.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Return on average assets (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.46</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.87</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.74</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">(0.43</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1.61</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Return on average equity (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">5.46</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.77</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">6.83</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">(6.14</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.82</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Net interest margin (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2.69</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">3.32</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">3.19</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1.65</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">4.69</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Efficiency ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">75.96</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">64.20</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">66.40</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">41.03</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">98.08</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Price/Tangible Book Value (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">84</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">78</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">83</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">49</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">127</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Price/LTM Earnings per share (x)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">16.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">10.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">19.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Current Dividend Yield (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">5.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Market value ($mm)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">74</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">97</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">84</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">30</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">126</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Bank level financial data </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler used publicly available information to perform a similar analysis for Flushing by comparing selected financial information for
Flushing with a group of financial institutions selected by Piper Sandler. The Flushing peer group included publicly-traded banks and thrifts headquartered in New York, New Jersey and Connecticut with total assets between $4&nbsp;billion and
$10&nbsp;billion, but excluded targets of announced merger transactions (the &#147;Flushing Peer Group&#148;). The Flushing Peer Group consisted of the following companies: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>

<TD WIDTH="21%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:6pt">
<TD VALIGN="bottom" COLSPAN="3" NOWRAP><B></B><B><I>Financial Data as of June 30, 2020</I></B><B></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Balance Sheet / Asset<BR>Quality</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Capital Position</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>LTM Profitability</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Valuation as of August&nbsp;10, 2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:6pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price /</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:6pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:6pt; font-family:Times New Roman; "><B>Company</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>City, State</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Ticker</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Assets</B><br><B>($M)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Loans</B><br><B>Deposits</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>NPAs/</B><br><B>Assets</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TCE/<BR>TA</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Leverage</B><br><B>Ratio</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B><br><B>RBC<BR>Ratio</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>CRE/</B><br><B>Total</B><br><B>RBC</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAA</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>ROAE</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>NM</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Efficiency</B><br><B>Ratio</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TBV</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>LTM<BR>EPS</B><br><B>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2020E</B><br><B>EPS<BR>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2021E</B><br><B>EPS<BR>(x)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Dividend</B><br><B>Yield</B><br><B>(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Market</B><br><B>Cap</B><br><B>($M)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">ConnectOne Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Englewood<BR>Cliffs, NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">CNOB</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,617</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">472.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">605</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Tompkins Financial Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Ithaca, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">TMP</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,582</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.0</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">236.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">172</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,031</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Lakeland Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Oak Ridge, NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">LBAl</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7,489</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.99</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">420.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">54.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">565</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Kearny Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Fairfield, NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">KRNY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,758</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">101.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.67</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.96</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">710</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Amalgamated Bank</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">New York, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">AMAL</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,470</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">278.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">377</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Peapack-Gladstone Financial Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bedminster, NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PGC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100.0</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">386.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">322</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Bridge Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bridgehampton,<BR>NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">BDGE</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6,151</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.56</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">382.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">104</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">406</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">TrustCo Bank Corp NY</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Glenville, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">TRST</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,677</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">85.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.86</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">603</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Northfield Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Woodbridge,&nbsp;NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NFBK</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,042</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.43</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">414.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">498</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">Financial Institutions, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Warsaw, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">FISI</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,681</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">87.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">203.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">287</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Times New Roman">First of Long Island Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Glen Head, NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">FUC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,248</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.28</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">307.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">389</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">61 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The analysis compared publicly available financial information for Flushing with
corresponding data for the Flushing Peer Group as of or for the last twelve months ended June&nbsp;30, 2020 (unless otherwise noted) with pricing data as of August 10, 2020. The table below sets forth the data for Flushing and the median, mean, low
and high data for the Flushing Peer Group. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Flushing Comparable Company Analysis </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="55%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:14pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:14pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:56pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:56pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:52pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:52pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:50pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:50pt"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD style="width:51pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:51pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing<BR>Peer&nbsp;Group<BR>Median</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing<BR>Peer&nbsp;Group<BR>Mean</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing<BR>Peer&nbsp;Group<BR>Low</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Flushing<BR>Peer&nbsp;Group<BR>High</B></TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Total assets ($mm)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7,163</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">6,281</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">6,181</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">4,248</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7,617</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Loans / Deposits (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">117.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">94.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">91.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">62.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">109.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-performing</FONT> assets / Total assets
(%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.33</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.51</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.59</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.20</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1.15</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tangible common equity/Tangible assets (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.78</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.01</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.94</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">6.53</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">13.46</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tier 1 Leverage Ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.64</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.79</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.42</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.00</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">13.27</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Total RBC Ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">13.43</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">14.32</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">15.14</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">12.83</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">20.11</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">CRE / Total RBC Ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">558.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; line-height:11.0pt ; vertical-align:top">2</SUP>&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">307.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">292.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">14.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">472.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Return on average assets (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.57</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.88</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.04</TD>
<TD NOWRAP VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Return on average equity (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.16</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.71</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.29</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">4.10</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">10.51</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Net interest margin (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2.54</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">3.19</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">3.00</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2.45</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">3.45</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">LTM Efficiency ratio (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">61.27</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">57.01</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">56.37</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">39.72</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">62.74</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Price/Tangible book value (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">60</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">94</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">96</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">72</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">172</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Price/LTM Earnings per share (x)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">10.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">14.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Price/2020 Estimated Earnings per share (x)<SUP
STYLE="font-size:85%; line-height:11.0pt ; vertical-align:top">1</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">10.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">11.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">19.5</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Price/2021 Estimated Earnings per share (x)<SUP
STYLE="font-size:85%; line-height:11.0pt ; vertical-align:top">1</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">10.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">7.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">16.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Current Dividend Yield (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">0.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">4.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">3.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">5.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Market value ($mm)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">343</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">498</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">527</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">287</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,031</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Represents median analyst estimated EPS per S&amp;P CapIQ </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Bank level financial data shown </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Analysis of Precedent Transactions </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler reviewed two groups of merger and acquisition transactions, including a regional and nationwide group. The regional group
consisted of bank and thrift transactions announced between January&nbsp;1, 2018 and August 10, 2020 with disclosed deal values and involving targets headquartered in Connecticut, New&nbsp;Jersey, New York and Pennsylvania with total assets between
$500&nbsp;million and $1.5&nbsp;billion (the &#147;Regional Precedent Transactions&#148;). The nationwide group consisted of nationwide bank and thrift transactions announced between January&nbsp;1, 2019 and August 10, 2020 with disclosed deal
values and involving targets with total assets between $500&nbsp;million and $2&nbsp;billion and LTM ROAA less than 1.0% (the &#147;Nationwide Precedent Transactions&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">62 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Regional Precedent Transactions group was composed of the following transactions: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="23%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Transaction Information</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Seller Information</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD COLSPAN="3" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="6" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price /</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="3" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>Acquiror</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>Target</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>Deal<BR>Value<BR>($M)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>LTM<BR>Earnings<BR>(X)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>TBV<BR>(%)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>Core<BR>Deposit<BR>Prem<BR>(%)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>1-Day<BR>Market<BR>Prem<BR>(%)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>Total<BR>Assets<BR>($M)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>TCE/</B></FONT><br><FONT STYLE="font-size:7pt"><B>TA<BR>(%)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>LTM<BR>ROAA<BR>(%)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-size:7pt"><B>NDAs/<BR>Assets<BR>(%)</B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:7pt; font-family:Times New Roman; "><B>Company</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>St.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:7pt; font-family:Times New Roman; "><B>Company</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>St.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Annc.<BR>Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Citizens&nbsp;&amp; Northern Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Covenant Financial Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12/18/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">512</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Kearny Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">MSB Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12/18/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">591</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Centreville Bank</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">RI</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">PB Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">CT</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10/22/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.4</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Community Bank System Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Steuben Trust Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10/21/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">109</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">171</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">ConnectOne Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bancorp of New Jersey Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8/16/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">OceanFirst Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Country Bank Holding Co.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8/9/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">102</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.8</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.51</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.00</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">OceanFirst Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Two River Bncp</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8/9/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">183</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">53.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,154</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Investors Bancorp Inc</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Gold Coast Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7/24/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Columbia Financial Inc. (MHC)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Stewardship Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6/7/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">S&amp;T Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">DNB Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6/5/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Community Bank System Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Kinderhook Bank Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1/22/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">632</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">ConnectOne Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Greater Hudson Bank</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7/12/18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">520</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.59</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Northwest Bancshares, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Donegal Financial Svcs Corp</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6/12/18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">174</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.67</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.31</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">RBB Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">CA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">First American Intl Corp</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4/23/18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">890</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Mid Penn Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">First Priority Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1/16/18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">194</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">612</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">63 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Nationwide Precedent Transactions group was composed of the following transactions: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="21%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Transaction Information</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Seller Information</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD COLSPAN="3" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="6" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Price /</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" COLSPAN="3" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>Acquiror</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="center"><B>Target</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Deal<BR>Value<BR>($M)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>LTM<BR>Earnings<BR>(x)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TBV</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Core</B><br><B>Deposit</B><br><B>Prem</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1-Day<BR>Market</B><br><B>Prem<BR>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B><br><B>Assets<BR>($M)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>TCE/</B><br><B>TA<BR>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>LTM<BR>ROAA</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>NPAs&nbsp;/</B><br><B>Assets</B><br><B>(%)</B></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:7pt; font-family:Times New Roman; "><B>Company</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>St.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:7pt; font-family:Times New Roman; "><B>Company</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>St.</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Annc.</B><br><B>Date</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">United Community Banks Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">GA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Three Shores Bancorp. Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">FL</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3/9/20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">218</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17.1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">LendingClub Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">CA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Radius Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2/18/20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">188</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">179</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,390</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Kearny Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">MSB Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12/18/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">151</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">591</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">First Bancshares Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MS</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Southwest Georgia Financial</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">GA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12/18/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">181</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">548</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Cambridge Bancorp</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Wellesley Bancorp</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12/5/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">986</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.17</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Centreville Bank</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">Rl</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">PB Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">CT</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10/22/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.4</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">BancPlus Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MS</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">State Capital Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MS</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9/19/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">163</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">First Community Bankshares Inc</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">VA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Highlands Bankshares Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">VA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9/11/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">155</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">612</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">ConnectOne Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bancorp of New Jersey Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8/16/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Heartland Financial USA Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">IA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Rockford B&amp;TC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">IL</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8/13/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">129</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">523</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Investors Bancorp Inc</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Gold Coast Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7/24/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">572</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Carolina Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">SC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Carolina Trust BancShares Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7/15/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">617</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Columbia Financial Inc. (MHC)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Stewardship Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NJ</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6/7/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">137</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">961</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">S&amp;T Bancorp Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">DNB Financial Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">PA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6/5/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.1</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,167</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Hancock Whitney Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">MS</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">MidSouth Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">LA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4/30/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">217</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">160</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,745</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1.87</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">First Citizens BancShares Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Entegra Financial</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4/24/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">213</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">145</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,669</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.90</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Community Bank System Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Kinderhook Bank Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">NY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1/22/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">93</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">184</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">74.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">632</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.25</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">Heartland Financial USA Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">IA</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Blue Valley Ban Corp.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">KS</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1/16/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">187</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">728</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Times New Roman">First Financial Corp.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">IN</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">HopFed Bancorp Inc.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">KY</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1/7/19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">40.8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">931</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">64 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Using the latest publicly available information prior to the announcement of the relevant
transaction, Piper Sandler reviewed the following transaction metrics: transaction price to last-twelve-months earnings per share, transaction price to tangible book value per share, core deposit premium, and
<FONT STYLE="white-space:nowrap">1-day</FONT> market premium. Piper Sandler compared the indicated transaction metrics for the transaction to the median, mean, low and high metrics of the Regional Precedent Transactions group as well as to the
median, mean, low and high metrics of the Nationwide Precedent Transactions group. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="75%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:15pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:15pt"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:12pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:12pt"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD style="width:8pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:8pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Flushing/<br>Empire</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="19" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Regional Precedent Transactions</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Median</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Mean</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Low</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">High</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / LTM Earnings Per Share (x)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">18.7</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">19.4</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">19.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">9.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">32.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Transaction Price / Tangible Book Value Per Share (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">97</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">171</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">166</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">122</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">206</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Tangible Book Value Premium to Core Deposits (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">(0.3</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.8</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">8.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">4.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">14.1</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">1-Day</FONT> Market Premium (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">15.9</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">39.2</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">40.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">12.6</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" >&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">77.0</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman"></P></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="74%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Flushing/<br>Empire</TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Nationwide&nbsp;Precedent&nbsp;Transactions</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Median</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Mean</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Low</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">High</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transaction Price / LTM Earnings Per Share (x)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Transaction Price / Tangible Book Value Per Share (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">159</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">206</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible Book Value Premium to Core Deposits (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(0.3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1-Day Market Premium (%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31.5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17.1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Net Present Value Analyses </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler performed an analysis that estimated the net present value of Empire common stock assuming Empire performed in accordance with
certain internal financial projections for Empire for the years ending December&nbsp;31, 2020 through December&nbsp;31, 2022, as provided by the senior management of Empire, as well as estimated long-term annual earnings per share and balance sheet
growth rates for the years ending December 31, 2023 and December 31, 2024, as confirmed by the senior management of Empire. To approximate the terminal value of a share of Empire common stock at December&nbsp;31, 2024, Piper Sandler applied price to
2024 earnings multiples ranging from 7.0x to 12.0x and multiples of 2024 tangible book value ranging from 90% to 150%. Piper Sandler selected these price to earnings and tangible book value multiples based on Piper Sandler&#146;s review of, among
other matters, the trading multiples of selected companies that Piper Sandler deemed to be comparable to Empire. The terminal values were then discounted to present values using different discount rates ranging from 10% to 14%, which were chosen to
reflect different assumptions regarding required rates of return of holders or prospective buyers of Empire common stock. As illustrated in the following tables, the analysis indicated an imputed range of values per share of Empire common stock of
$4.18 to $8.42 when applying multiples of earnings and $4.39 to $12.89 when applying multiples of tangible book value. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Earnings Per
Share Multiples </U></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Discount</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">7.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">8.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">9.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">10.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">11.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">11.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">13.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">65 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Tangible Book Value Per Share Multiples </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="20%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Discount</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">50%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">65%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">80%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">95%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">110%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">125%</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">11.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6.18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">13.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.05</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9.66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler also considered and discussed with the Empire board how this analysis would be affected by
changes in the underlying assumptions, including variations with respect to earnings. To illustrate this impact, Piper Sandler performed a similar analysis, assuming Empire&#146;s earnings varied from 20% above projections to 20% below projections.
This analysis resulted in the following range of per share values for Empire&#146;s common stock, applying the price to 2024 earnings multiples range of 7.0x to 12.0x referred to above and a discount rate of 12.19%. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="25%"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Annual</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Estimate</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Variance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">7.0x</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">8.0x</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">9.0x</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">10.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">11.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.0x</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(20.0%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$3.60</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$4.11</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$4.62</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.14</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.65</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.16</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(10.0%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$4.05</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$4.62</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.20</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.78</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.36</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.93</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">0.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$4.49</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.14</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.78</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.42</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$7.06</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$7.71</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$4.94</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.65</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.36</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$7.06</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$7.77</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$8.48</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$5.39</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.16</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$6.93</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$7.71</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$8.48</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$9.25</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler also performed an analysis that estimated the net present value per share of Flushing common
stock, assuming Flushing performed in accordance with internal earnings per share estimates for Flushing for the years ending December&nbsp;31, 2020 and December&nbsp;31, 2021 as provided by the senior management of Flushing as well as estimated
long-term annual earnings per share and balance sheet growth rates for the years ending December 31, 2022 through December 31, 2024, as confirmed by the senior management of Flushing, and estimated dividends per share for Flushing for the years
ending December&nbsp;31, 2020 through December&nbsp;31, 2024, as provided by the senior management of Flushing. To approximate the terminal value of a share of Flushing common stock at December&nbsp;31, 2024, Piper Sandler applied price to 2024
earnings multiples ranging from 8.0x to 13.0x and multiples of 2024 tangible book value ranging from 70% to 120%. Piper Sandler selected these price to earnings and tangible book value multiples based on Piper Sandler&#146;s review of, among other
matters, the trading multiples of selected companies that Piper Sandler deemed to be comparable to Flushing. The terminal values were then discounted to present values using different discount rates ranging from 10.0% to 14.0%, which were chosen to
reflect different assumptions regarding required rates of return of holders or prospective buyers of Flushing common stock. As illustrated in the following tables, the analysis indicated an imputed range of values per share of Flushing common stock
of $11.52 to $19.80 when applying multiples of earnings and $12.08 to $21.85 when applying multiples of tangible book value. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">66 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Earnings Per Share Multiples </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Discount</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">8.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">9.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">10.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">11.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">13.0x</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">11.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.96</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">13.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.04</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>Tangible Book Value Per Share Multiples </U></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Discount</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">70%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">80%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">90%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">100%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">110%</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">120%</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.97</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">11.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">21.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">12.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">13.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19.50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman" ALIGN="center">14.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">18.79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler also considered and discussed with the Empire board how this analysis would be affected by
changes in the underlying assumptions, including variations with respect to earnings. To illustrate this impact, Piper Sandler performed a similar analysis assuming Flushing&#146;s earnings varied from 20% above estimates to 20% below estimates.
This analysis resulted in the following range of per share values for Flushing common stock, applying the price to 2024 earnings multiples range of 8.0x to 13.0x referred to above and a discount rate of 12.19%. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="22%"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:7pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:7pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD style="width:9pt"></TD>
<TD></TD>
<TD></TD>
<TD style="width:9pt"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Annual</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">Estimate</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center">Variance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">8.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">9.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">10.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">11.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">12.0x</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">13.0x</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(20.0%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$10.39</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$11.34</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$12.29</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$13.24</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$14.19</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$15.14</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(10.0%)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$11.34</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$12.41</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$13.48</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$14.54</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$15.61</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$16.68</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">0.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$12.29</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$13.48</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$14.66</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$15.85</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$17.03</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$18.22</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$13.24</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$14.54</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$15.85</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$17.15</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$18.46</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$19.76</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">20.0%</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$14.19</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$15.61</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$17.03</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$18.46</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$19.88</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">$21.31</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler noted that the net present value analysis is a widely used valuation methodology, but the
results of such methodology are highly dependent upon the numerous assumptions that must be made, and the results thereof are not necessarily indicative of actual values or future results. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">67 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table describes the discount rate calculation for Empire common stock prepared
by Piper Sandler. In its normal course of business, Piper Sandler employs the Duff &amp; Phelps Cost of Capital Navigator in determining an appropriate discount rate in which the discount rate equals the sum of the risk free rate, the equity risk
premium, the size premium and the industry premium. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Risk Free Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Normalized Rate</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity Risk Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.15%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Cost of Capital Navigator</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Size Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.16%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Cost of Capital Navigator</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Industry Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.29%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Cost of Capital Navigator</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Discount Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table describes the discount rate calculation for Flushing common stock prepared by Piper
Sandler. In its normal course of business, Piper Sandler employs the Duff &amp; Phelps Cost of Capital Navigator in determining an appropriate discount rate in which the discount rate equals the sum of the risk free rate, the equity risk premium,
the size premium and the industry premium. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Risk Free Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.59%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Normalized Rate</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Equity Risk Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7.15%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Cost of Capital Navigator</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Size Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.16%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Cost of Capital Navigator</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Industry Premium</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.29%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Per Duff &amp; Phelps Cost of Capital Navigator</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Discount Rate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.19%</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Pro Forma Transaction Analysis </I></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler analyzed certain potential pro forma effects of the transaction on Flushing assuming the transaction closes at the end of the
fourth calendar quarter of 2020. In performing this analysis, Piper Sandler utilized certain assumptions relating to purchase accounting adjustments, transaction expenses, cost savings and certain adjustments for current expected credit loss (CECL)
accounting standards, as provided by the senior management of Flushing and its representatives. The assumptions used by Piper Sandler included: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">pre-merger estimated earnings per share of $1.45 for 2020 for Flushing, provided by Flushing management ;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">cost savings equal to 48% of Empire&#146;s noninterest expense; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">pre-merger estimated earnings per share of $1.72 for 2021 for Flushing, provided by Flushing management ;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">post-merger estimated earnings per share of $2.17 for Flushing in 2022; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">continuing to apply an assumed 5% earnings growth rate thereafter. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The analysis performed by Piper Sandler indicated that the transaction could be accretive to Flushing&#146;s estimated earnings per share (excluding <FONT
STYLE="white-space:nowrap">one-time</FONT> transaction costs and expenses) in the years ending December&nbsp;31, 2021 through December 31, 2024 by 19.3%, 20.1%, 20.1% and 16.9%, respectively, dilutive to Flushing&#146;s estimated tangible book value
per share at December 31, 2021, December 31, 2022 and December 31, 2023 by 4.5%, 2.4% and 0.5%, respectively, and accretive to Flushing&#146;s estimated tangible book value at December&nbsp;31, 2024 by 1.1%. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The assumptions provided by Flushing and its representatives for use by Piper Sandler were based on numerous variables and other assumptions
that are inherently uncertain and may be beyond Flushing&#146;s and Empire&#146;s control. The assumptions necessarily involve judgments with respect to, among other things, current </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">68 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and future economic, competitive and regulatory conditions and financial market conditions and current and future business decisions that may not be realized and that are inherently subject to
significant business, economic, competitive and regulatory uncertainties and contingencies, including, among other things, the inherent uncertainty of the business and economic conditions affecting the industry in which Flushing and Empire operate,
and the risks and uncertainties described in &#147;Cautionary Statement Regarding Forward-Looking Statements&#148; and &#147;Risk Factors,&#148; all of which are difficult or impossible to predict accurately. In connection with its analysis, Piper
Sandler considered and discussed with the Empire board how the analysis would be affected by changes in the underlying assumptions, including the impact of final purchase accounting adjustments determined at the closing of the transaction, and noted
that the actual results achieved by the combined company may vary from projected results and the variations may be material. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Piper Sandler&#146;s
Relationship </I></B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler is acting as Empire&#146;s financial advisor in connection with the transaction and will receive a fee
for such services in an amount equal to 1.30% of the aggregate merger consideration, which transaction fee is contingent upon the closing of the merger. At the time of announcement of the transaction Piper Sandler&#146;s fee was approximately
$1.45&nbsp;million. Piper Sandler also received a $250,000 fee from Empire upon rendering its initial fairness opinion, dated October 24, 2019, which opinion fee will be credited in full towards any fee which will become payable to Piper Sandler
upon closing of the transaction. Piper Sandler received an additional $250,000 fee from Empire upon rendering its updated fairness opinion, which opinion fee will not be credited towards any fee which will become payable to Piper Sandler upon
closing of the transaction. Empire has also agreed to indemnify Piper Sandler against certain claims and liabilities arising out of Piper Sandler&#146;s engagement and to reimburse Piper Sandler for certain of its <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses incurred in connection with Piper Sandler&#146;s engagement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the two
years preceding the date of Piper Sandler&#146;s updated fairness opinion, Piper Sandler did not provide any other investment banking services to Empire. Piper Sandler did not provide any investment banking services to Flushing in the two years
preceding the date of its updated fairness opinion. In the ordinary course of Piper Sandler&#146;s business as a broker-dealer, Piper Sandler may purchase securities from and sell securities to Empire, Flushing and their respective affiliates. Piper
Sandler may also actively trade the equity and debt securities of Empire, Flushing and their respective affiliates for Piper Sandler&#146;s account and for the accounts of Piper Sandler&#146;s customers. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_55a"></A>Certain Unaudited Prospective Financial Information Regarding Empire </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire does not, as a matter of course, publicly disclose forecasts or internal projections as to its respective future performance, earnings
or other results due to, among other reasons, the inherent uncertainty of the underlying assumptions and estimates. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">However, in
connection with the transaction, Empire&#146;s senior management prepared or approved for use certain unaudited prospective financial information which was provided to and considered by Piper Sandler for the purpose of performing its financial
analyses in connection with its fairness opinion, as described in this proxy statement/prospectus &#147;&#151;Opinion of Piper Sandler,&#148; beginning on page&nbsp;54. We refer to this information as the &#147;prospective financial
information&#148;. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The prospective financial information was not prepared for the purpose of, or with a view toward, public
disclosure or with a view toward complying with the guidelines established by the American Institute of Certified Public Accountants for preparation and presentation of prospective financial information, published guidelines of the SEC regarding
forward-looking statements or generally accepted accounting principles. A summary of certain significant elements of this information is set forth below, and is included in this proxy statement/prospectus solely for the purpose of providing holders
of Flushing common stock and holders of Empire common stock access to certain nonpublic information made available to Empire&#146;s financial advisor for the purpose of performing financial analyses in connection with its fairness opinion. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">69 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although presented with numeric specificity, the prospective financial information reflects
numerous estimates and assumptions made by Empire&#146;s management and representatives at the time such prospective financial information was prepared or approved for use by the financial advisor and represents an evaluation of expected future
financial performance on a stand-alone basis, without reference to the merger. These and the other estimates and assumptions underlying the prospective financial information involve judgments with respect to, among other things, economic,
competitive, regulatory and financial market conditions and future business decisions that may not be realized and that are inherently subject to significant business, economic, competitive and regulatory uncertainties and contingencies, including,
among other things, the inherent uncertainty of the business and economic conditions affecting the industry in which Empire operates and the risks and uncertainties described under &#147;Risk Factors&#148; and &#147;Cautionary Statement Regarding
Forward-Looking Statements&#148; in this proxy statement/prospectus, all of which are difficult to predict and many of which are outside the control of Empire and will be beyond the control of the combined company. There can be no assurance that the
underlying assumptions would prove to be accurate or that the projected results would be realized, and actual results could differ materially from those reflected in the prospective financial information, whether or not the merger is completed.
Further, these assumptions do not include all potential actions that the senior management Empire could or might have taken during these time periods. The inclusion in this proxy statement/prospectus of the unaudited prospective financial
information below should not be regarded as an indication that Empire or its board of directors or financial advisors considered, or now consider, this prospective financial information to be material information to any holders of Flushing common
stock or holders of Empire common stock, as the case may be, particularly in light of the inherent risks and uncertainties associated with such prospective financial information. The prospective financial information is not fact and should not be
relied upon as being necessarily indicative of actual future results. The prospective financial information also reflects numerous variables, expectations and assumptions available at the time it was prepared as to certain business decisions that
are subject to change and do not take into account any circumstances or events occurring after the date they were prepared. No assurances can be given that if the prospective financial information and the underlying assumptions had been prepared as
of the date of this proxy statement/prospectus, similar assumptions would be used. In addition, the prospective financial information may not reflect the manner in which the combined company would operate after the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The prospective financial information included in this document has been prepared by, and is the responsibility of, management of Empire.
Crowe Horwath LLP (Empire&#146;s independent registered public accounting firm) has not audited, reviewed, examined, compiled nor applied agreed upon procedures with respect to the prospective financial information and, accordingly, Crowe Horwath
LLP has not expressed any opinion or given any other form of assurance with respect thereto and it assumes no responsibility for the prospective financial information. No independent registered public accounting firm has examined, compiled or
otherwise performed any procedures with respect to the prospective financial information and, accordingly, no independent registered public accounting firm has expressed any opinion or given any other form of assurance with respect thereto and no
independent registered public accounting firm assumes any responsibility for the prospective financial information. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with
Piper Sandler&#146;s financial analysis with respect to Empire on a stand-alone basis, Empire management provided Piper Sandler with certain internal financial projections for Empire for the years ending December 31, 2020 through December 31, 2022
and long-term growth rates for the years ending December 31, 2023 and December 31, 2024. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">70 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following table from Piper Sandler presents the unaudited prospective financial
information for Empire for the years ending December 31, 2020 through December 31, 2024 utilized by Piper Sandler in its analysis with respect to Empire on a stand-alone basis: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="65%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2021</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2022</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2023</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2024</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Net Income ($000s)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,874</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,639</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,021</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,422</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Earnings per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dividends per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">0.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tangible Book Value per Share</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11.87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">13.73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15.83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_56"></A>Flushing&#146;s Reasons for the Merger and the Amendment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Flushing board believes that the merger and the amendment are in the best interests of Flushing and its shareholders. In deciding to
approve the amendment and the transactions contemplated by the amended merger agreement, including the issuance of Flushing common stock in connection with the merger, the Flushing board, after consulting with its management as well as its legal and
financial advisors, considered a number of factors, including the following, which are not presented in order of priority: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">management&#146;s knowledge of Flushing&#146;s and Empire&#146;s business, operations, asset quality, financial
condition, earnings and prospects, considering the results of Flushing&#146;s comprehensive due diligence review of Empire; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the opportunity for Flushing to expand its distribution channels and business lines into the Suffolk County, New
York region; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the opportunity to increase core deposits with an emphasis on
<FONT STYLE="white-space:nowrap">non-interest</FONT> bearing accounts, thus lowering Flushing&#146;s cost of deposits while improving Flushing&#146;s <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">loan-to-deposit</FONT></FONT>
ratio; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">management&#146;s view that Empire&#146;s business and operations complement Flushing&#146;s existing franchise
and long-term strategy, including, the complementary nature of Empire&#146;s commercial real estate capabilities and the increased opportunities for expanding commercial and residential lending; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the quality of Empire&#146;s management and employees and Empire&#146;s existing commercial customer base and
reputation for providing quality customer service; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire&#146;s financial performance and strong asset quality; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">management&#146;s expectations regarding the post-acquisition operation of Empire, including balance sheet growth
and cost savings, and the potential return on invested capital that might be generated from Empire in future periods based on these expectations; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the financial and other terms of the amended merger agreement, which the Flushing board reviewed with its
financial and legal advisors; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the potential risks associated with diverting management attention and resources from the operations of Flushing
to successfully integrate Empire&#146;s business, operations and workforce with those of Flushing; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the regulatory and other approvals required in connection with the merger and the expectation that such
regulatory approvals will be received in a timely manner and without the imposition of unacceptable conditions. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Flushing board approved the merger agreement and the amendment after Flushing&#146;s senior management discussed with the Flushing board a number of factors, including those described above, and the business, assets, liabilities, results of
operations, financial performance, strategic direction and prospects of Empire. The above discussion of the information and factors considered by the Flushing board is not intended to be exhaustive but
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">71 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
includes a description of material factors considered by the Flushing board. Given the wide variety of factors and the amount of information considered in evaluating the merger, the Flushing
board did not consider it practicable, and did not attempt, to quantify or otherwise assign relative weights to the specific factors it considered in reaching its determination. The Flushing board viewed its position as being based on all of the
information and the factors presented to and considered by it. In addition, individual directors may have given different weights to different information and factors. The Flushing board collectively made its determination with respect to the merger
based on the conclusion reached by its members based on the factors that each of them considered appropriate. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>It should be noted
that the explanation of the reasoning of the Flushing board presented in this section contains information that is forward-looking in nature, and therefore should be read in light of the factors discussed under the heading &#147;Cautionary Statement
Regarding Forward-Looking Statements,&#148; beginning on page&nbsp;29.</B> </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_57"></A>Interests of Certain Persons in the Merger
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the merger, the directors and executive officers of Empire will receive the same consideration for their shares of
Empire&nbsp;common stock as the other Empire shareholders. In considering the recommendation of the Empire&nbsp;board that you vote to approve the amendment proposal, you should be aware that some of Empire&#146;s executive officers and directors
may have interests in the merger, and may have arrangements, each as described below, which may be considered to be different from, or in addition to, those of the Empire shareholders generally. The Empire board was aware of these interests and
considered them, among other matters, in reaching its decisions to approve the amendment and the merger and to recommend that you vote in favor of approving the amendment proposal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s executive officers are as follows: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="33%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="65%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Position</B></P></TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Douglas&nbsp;C.&nbsp;Manditch</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Chairman and Chief Executive Officer</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Thomas Buonaiuto</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">President and Chief Operating Officer</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Michael Locorriere</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Executive Vice President, Director of Municipal Banking</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Equity-Based Compensation </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the amended merger agreement, equity compensation awards held by Empire&#146;s directors and executive officers as of the effective
time of the merger will be treated as set forth below. For more information, see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Merger Consideration&#151;Treatment of Stock Options,&#148; beginning on page&nbsp;92,
and &#147;&#151;Treatment of Restricted Stock,&#148; beginning on page&nbsp;92. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Stock Options. </I>Under the terms of the amended
merger agreement, each Empire stock option, whether vested or unvested, that is outstanding and unexercised immediately prior to such time will, at the effective time of the merger, automatically become fully vested and canceled and thereafter
represent only the right to receive, in lieu of the Empire common stock issuable upon the exercise of such stock option, an amount in cash equal to the difference between the per share cash consideration of $14.04 and the per share exercise price
for each share subject to the Empire stock option (without interest and less any applicable withholding taxes). In addition, under the amended merger agreement, each holder of Empire stock options will be required to execute a written acknowledgment
and waiver agreement prior to receiving payment from Empire in connection with the cancellation of such holder&#146;s Empire stock options. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Restricted Stock</I>. At the effective time of the merger, each outstanding restricted stock award in respect of shares of Empire common
stock will automatically become fully vested and the restrictions thereon will lapse. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">72 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Each share of Empire common stock subject to such restricted stock award will be treated as an outstanding share of Empire common stock and will be entitled to receive either the per share cash
consideration or the per share stock consideration based on the election, allocation and proration procedures applicable to all outstanding shares of Empire common stock (without interest and less any applicable withholding taxes). In addition,
under the amended merger agreement, each holder of Empire restricted stock awards will be required to execute a written acknowledgment and waiver agreement prior to receiving payment from Empire in connection with the conversion of such
holder&#146;s Empire restricted stock awards. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Executive Officer Compensation Arrangements </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire previously entered into employment or <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">change-in-control</FONT></FONT>
agreements with its executive officers that provide for specified payments upon a change in control of Empire such as the merger. As described below, the executive officers will be entitled to receive certain payments pursuant to the terms of these
employment or <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">change-in-control</FONT></FONT> agreements upon the closing of the merger without regard to whether their employment is terminated. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, as a material inducement and as additional consideration to Flushing to enter into the merger agreement, Flushing Bank entered
into a consulting agreement with Douglas C. Manditch and Flushing entered into an employment agreement with Thomas Buonaiuto. As described below, these agreements set forth the terms and conditions of<I> </I>each such individual&#146;s service
relationship with Flushing and/or Flushing Bank following the effective time of the merger and will be effective upon and subject<I> </I>to the completion of the merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Douglas C. Manditch</I>. Empire Bank previously entered into an executive employment agreement with Douglas C. Manditch, dated
February&nbsp;25, 2018, which was amended on October&nbsp;24, 2019. Under the terms of Mr.&nbsp;Manditch&#146;s employment agreement, as amended, upon a &#147;change in control&#148; (as defined in the employment agreement) with respect to Empire
Bank, which would include the merger, Mr.&nbsp;Manditch is entitled to receive a lump sum amount equal to $1,898,000, which will be payable to Mr.&nbsp;Manditch within 30 days following such change in control unless required to be delayed for six
months under Section&nbsp;409A of the Code. The employment agreement also provides that, in the event that this payment, as well as any other payments or benefits receivable by Mr.&nbsp;Manditch in connection with the merger, if any, would trigger
an excise tax under Section&nbsp;4999 of the Code, the amount of such payments or benefits will be reduced to the maximum amount that can be paid without triggering the excise tax. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, in connection with the merger and effective as of the closing, Flushing Bank and Mr.&nbsp;Manditch have entered into a consulting
agreement under which he will provide certain advisory services to Flushing and Flushing Bank for a three-year period following the merger. For more information regarding Mr.&nbsp;Manditch&#146;s consulting role with Flushing following the closing
of the merger, please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Board of Directors, Management and Operations Following the Mergers,&#148; beginning on page&nbsp;77. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the consulting agreement with Flushing Bank, Mr.&nbsp;Manditch will be entitled to receive a monthly retainer of $16,666.66 per month in
exchange for transition and advisory services provided to Flushing Bank for a three-year period following the merger. If the Bank terminates the consulting agreement with Mr.&nbsp;Manditch other than because Mr.&nbsp;Manditch fails to perform the
duties under the consulting agreement or engages in conduct that is in violation of Flushing Bank&#146;s policies or dies or becomes disabled, then Flushing Bank will pay him the additional payments due under the agreement at the time otherwise due.
In addition, Mr.&nbsp;Manditch will be bound by certain restrictive covenants contained therein, such as <FONT STYLE="white-space:nowrap">non-competition</FONT> and <FONT STYLE="white-space:nowrap">non-solicitation</FONT> provisions that apply
during the term of Mr.&nbsp;Manditch&#146;s consultancy and for one year thereafter. The consulting agreement may be terminated by either party on 30 days&#146; prior written notice at any time prior to the expiration of the three-year term. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Thomas Buonaiuto</I>. Empire Bank previously entered into an executive employment agreement with Thomas Buonaiuto, dated February&nbsp;25,
2018, which was amended on October&nbsp;24, 2019. Under the terms of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">73 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Mr.&nbsp;Buonaiuto&#146;s employment agreement, as amended, upon a &#147;change in control&#148; (as defined in the employment agreement) with respect to Empire Bank, which would include the
merger, Mr.&nbsp;Buonaiuto is entitled to receive a lump sum amount equal to $1,350,000, which will be payable to Mr.&nbsp;Buonaiuto within 30 days following such change in control. The employment agreement also provides that, in the event that this
payment, as well as any other payments or benefits receivable by Mr.&nbsp;Buonaiuto in connection with the merger, if any, would trigger an excise tax under Section&nbsp;4999 of the Code, the amount of such payments or benefits will be reduced to
the maximum amount that can be paid without triggering the excise tax. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, in connection with the merger and effective as of
the closing, Flushing and Mr.&nbsp;Buonaiuto have entered into an employment agreement under which he will serve as a senior executive vice president of Flushing. For more information regarding the terms of Mr.&nbsp;Buonaiuto&#146;s employment with
Flushing following the closing of the merger, please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Board of Directors, Management and Operations Following the Mergers,&#148; beginning on page&nbsp;77. </P>
 <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the employment agreement with Flushing that will become effective upon the closing of the merger, Mr.&nbsp;Buonaiuto will be
entitled to receive an annual base salary equal to $404,000 during each year of the employment term, commencing on the closing of the merger and ending on November&nbsp;21, 2022, subject to affirmative extension by Flushing for additional <FONT
STYLE="white-space:nowrap">one-year</FONT> periods. He will also be eligible to receive an annual bonus equal to a minimum of $120,000 for calendar years 2020 and 2021, subject to his continued employment through each bonus payment date, as well as
incremental target incentive opportunities for calendar years 2020 and 2021. Such incremental target incentive opportunities may be established by the Flushing board and will be subject to the achievement of certain performance metrics and
Mr.&nbsp;Buonaiuto&#146;s continued employment through the applicable payment date. Thereafter, he will be eligible to participate in any bonus plan maintained by Flushing for its officers and employees. Mr.&nbsp;Buonaiuto will also be eligible to
participate in the employee benefit plans and other compensation plans or programs as Flushing or Flushing Bank may maintain from time to time, subject to the terms of those plans and in accordance with Flushing&#146;s or Flushing Bank&#146;s
customary practices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the employment agreement with Flushing, in the event that Mr.&nbsp;Buonaiuto&#146;s employment is
terminated by Flushing or Flushing Bank for reasons other than for &#147;cause&#148; or by Mr.&nbsp;Buonaiuto following an event which constitutes &#147;good reason&#148; (as each such term is defined therein), then he will be entitled to a lump sum
severance payment equal to his current base salary and annual bonus (based on the average bonus, if any, for the three most recent calendar years ended prior to the date of termination, or total calendar years of employment prior to the date of
termination if fewer than three years) otherwise payable if his employment had continued for an additional 24 months. In addition, Mr.&nbsp;Buonaiuto will receive a pro rata portion of his annual bonus payable for the year of termination (which, in
the case of termination after a change of control, is based on the amount of bonus received under the bonus plan in the prior year). The employment agreement also entitles Mr.&nbsp;Buonaiuto to receive continued health and welfare benefits for 24
months following termination that are equivalent to those provided to active employees during such period, including dependent coverage. In addition, if Mr.&nbsp;Buonaiuto is age 55 or older at the end of such period, he and his spouse are entitled
to lifetime coverage under Flushing Bank&#146;s retiree medical and retiree life insurance programs at the level and cost-sharing percentage in effect at the time of his termination of employment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that Mr.&nbsp;Buonaiuto terminates his employment due to &#147;disability,&#148; which is defined generally to mean the inability
to perform his duties for 270 consecutive days due to incapacity, the employment agreement provides Mr.&nbsp;Buonaiuto would receive 100% of his base salary for the first six months, 75% for the next six months and 60% for the remainder of the term
of the employment agreement (less any benefits payable under any disability insurance coverage maintained by Flushing or Flushing Bank). In the event of Mr.&nbsp;Buonaiuto&#146;s termination due to death or disability prior to a change of control,
the compensation committee of the Flushing board has discretion to determine whether an annual bonus will be paid for the year of termination. If such termination occurs after a change of control, Mr.&nbsp;Buonaiuto is entitled to a pro rata annual
bonus for the year of termination based on the amount of bonus received in the prior year. In the event that Mr.&nbsp;Buonaiuto terminates employment due to death, his beneficiaries (or estate) would receive a lump sum payment of his earned but
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">74 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
unpaid base salary as well as any earned but unpaid annual bonus for the year prior to termination. In the event Mr.&nbsp;Buonaiuto terminates employment for reasons not described above or his
employment is terminated for cause, he is entitled to receive only his earned but unpaid salary and any benefits payable under the terms of Flushing&#146;s and Flushing Bank&#146;s benefit plans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Mr.&nbsp;Buonaiuto&#146;s employment agreement with Flushing provides that, if he receives payments or benefits that would be subject to the
excise tax on excess parachute payments imposed by Section&nbsp;4999 of the Code, then such payments will be reduced to the extent necessary so that that no portion of the aggregate payments or benefits would be subject to the excise tax on excess
parachute payments imposed by Section&nbsp;4999 of the Code, but only if, by reason of such reduction, the net <FONT STYLE="white-space:nowrap">after-tax</FONT> benefit received by Mr.&nbsp;Buonaiuto exceeds the net
<FONT STYLE="white-space:nowrap">after-tax</FONT> benefit that would be received by him if no such reduction was made. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition,
Mr.&nbsp;Buonaiuto will be bound by certain restrictive covenants contained in the employment agreement with Flushing, such as <FONT STYLE="white-space:nowrap">non-competition</FONT> and <FONT STYLE="white-space:nowrap">non-solicitation</FONT>
provisions that apply during the term of Mr.&nbsp;Buonaiuto&#146;s employment and for one year thereafter. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>Michael P. Locorriere</I>.
Empire Bank previously entered into a change in control agreement with Michael P. Locorriere, dated January&nbsp;26, 2018, that replaced and superseded a similar prior agreement from 2017, and that provides for a payment in connection with a change
in control of Empire. In addition, Empire Bank entered into a separate <FONT STYLE="white-space:nowrap">non-solicitation</FONT> agreement with Michael P. Locorriere, dated June&nbsp;22, 2015, as amended March&nbsp;22, 2019, that provides for certain
additional post-termination payments and benefits. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the change in control agreement, upon a &#147;change in control&#148; (as
defined therein) with respect to Empire, which includes the merger, Empire Bank will be obligated to pay Mr. Locorriere a lump sum amount equal to 200% of his &#147;base amount&#148; (as such term is defined in Section&nbsp;280G of the Code) within
30 days of such change in control, regardless of whether such person&#146;s employment is terminated. The agreement also provides that, if such payment would be subject to the excise tax on excess parachute payments imposed by Section&nbsp;4999 of
the Code, then Mr. Locorriere will be entitled to receive an additional payment, or <FONT STYLE="white-space:nowrap">&#147;gross-up,&#148;</FONT> in an amount necessary to put him in the same <FONT STYLE="white-space:nowrap">after-tax</FONT>
position as if such excise tax had not been imposed. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the <FONT STYLE="white-space:nowrap">non-solicitation</FONT> agreement,
Mr.&nbsp;Locorriere may be bound by certain <FONT STYLE="white-space:nowrap">non-solicitation</FONT> provisions during the term of his employment with Empire Bank and for one year thereafter; provided, that Empire must first deliver notice to him
that it seeks to enforce such restrictive covenants with respect to the <FONT STYLE="white-space:nowrap">one-year</FONT> period following the termination of Mr.&nbsp;Locorriere&#146;s employment. In the event such notice is provided, in exchange for
complying with the <FONT STYLE="white-space:nowrap">non-solicitation</FONT> provisions, Mr.&nbsp;Locorriere will be entitled to receive an amount equal to his current base salary, plus the value of any annual incentive compensation earned by him
over the four calendar quarters preceding the termination of employment, plus Empire Bank-paid costs associated with benefits, if any, to which he is entitled, in each case, payable in equal installments in accordance with Empire Bank&#146;s regular
payroll practices. Such <FONT STYLE="white-space:nowrap">non-solicitation</FONT> payment is subject to Mr.&nbsp;Locorriere&#146;s execution and <FONT STYLE="white-space:nowrap">non-revocation</FONT> of a general release and waiver of claims in favor
of Empire Bank. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Indemnification and Insurance </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the terms of the amended merger agreement, from and after the effective time of the merger, Flushing will indemnify certain
persons, including Empire&#146;s directors and executive officers. In addition, for a period of not less than six years from the effective time, Flushing will use commercially reasonable efforts to maintain an insurance policy for the benefit of
certain persons, including Empire&#146;s directors and executive officers. For further information, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Covenants and Agreements&#151;Indemnification and
Insurance,&#148; beginning on page&nbsp;101. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Board Appointment </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amended merger agreement provides that Douglas C. Manditch will be appointed to the Flushing board and the Flushing Bank board upon
consummation of the merger. As a director of Flushing and Flushing Bank, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">75 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Mr.&nbsp;Manditch will be entitled to compensation and benefits on the same basis as all other directors of Flushing and Flushing Bank. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Merger-Related Compensation For Empire Executive Officers </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This section sets forth the information required by Item 402(t) of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> regarding the
compensation that is based on or otherwise relates to the merger and that is payable or may become payable to Empire&#146;s executive officers. This compensation is referred to as &#147;golden parachute&#148; compensation by the applicable SEC
disclosure rules. The amounts set forth in the table are estimates based on multiple assumptions that may or may not actually occur, including assumptions described in this proxy statement/prospectus and in the footnotes to the table. As a result,
the actual amounts, if any, that an executive officer will receive may materially differ from the amounts set forth in the table. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
following table assumes that the merger will close on October&nbsp;1, 2020, that no amount of withholding taxes are applicable to any payments set forth in the table, that no payments are delayed for six months to the extent required under
Section&nbsp;409A of the Code and that no payments are subject to either reduction or <FONT STYLE="white-space:nowrap">gross-up</FONT> to the extent required by the terms of any applicable agreement to account for the application of
Section&nbsp;4999 of the Code to such payments. The amounts set forth in the table are estimates that assume the shares of restricted stock are allocated the cash consideration of $14.04 per share of Empire common stock. For additional details
regarding the terms of the payments described below, see the discussion above in this section. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="54%"></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Golden&nbsp;Parachute&nbsp;Compensation</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>Name</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Equity&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Total</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>($) (4)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><B>($)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Douglas C. Manditch</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,898,000</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">(1)&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">551,084</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">2,449,084</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Thomas Buonaiuto</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,350,000</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">(2)&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">510,270</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,860,270</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; line-height:14pt; font-size:10pt; font-family:Times New Roman">Michael P. Locorriere</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">903,691</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">(3)&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">186,521</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">1,090,212</P></TD>
<TD NOWRAP VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; line-height:14pt; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
</TABLE>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Represents the
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">change-in-control</FONT></FONT> payment to which Mr.&nbsp;Manditch is entitled upon the closing of the merger under the terms of his executive employment agreement with Empire, as
amended. This single-trigger amount will be payable in a lump sum to Mr.&nbsp;Manditch within 30 days following the closing of the merger without regard to whether his employment is terminated. This table excludes any payments that may otherwise be
due following the closing of the merger under the terms of Mr.&nbsp;Manditch&#146;s consulting agreement with Flushing Bank. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Represents the
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">change-in-control</FONT></FONT> payment to which Mr.&nbsp;Buonaiuto is entitled upon the closing of the merger under the terms of his executive employment agreement with Empire, as
amended. This single-trigger amount will be payable in a lump sum to Mr.&nbsp;Buonaiuto within 30 days following the closing of the merger without regard to whether his employment is terminated. This table excludes any payments that may otherwise be
due following the closing of the merger under the terms of Mr.&nbsp;Buonaiuto&#146;s employment agreement with Flushing. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Represents an estimate of the single trigger change in control payment to which Mr.&nbsp;Locorriere would be
entitled upon the closing of the merger under the terms of his change in control agreement with Empire Bank, which amount reflects his &#147;base amount&#148; as determined using his annual compensation for the prior five years, which such estimate
was prepared based on the annual compensation as reported on Form <FONT STYLE="white-space:nowrap">W-2</FONT> for the taxable years 2015 to 2019 (annualized for 2015). The payments will be made to Mr.&nbsp;Locorriere within 30 days of the closing of
the merger without regard to whether his employment is terminated. This table excludes any payments to which Mr.&nbsp;Locorriere may be entitled under the terms of his <FONT STYLE="white-space:nowrap">non-solicitation</FONT> agreement with Empire,
as amended, in the event his employment were to be terminated and he received the requisite notice from Empire that they intend to enforce the restrictive covenants thereunder. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Represents the aggregate value of all unvested restricted stock awards in Empire held by the executive officers
that will accelerate on a single-trigger basis upon the closing of the merger. The estimated aggregate </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">76 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">
amounts assume each share of restricted stock is allocated the cash consideration of $14.04 per share of Empire common stock, multiplied by the total number of shares subject to each restricted
stock award. </TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_58"></A>Accounting Treatment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For accounting and financial reporting purposes, the merger will be accounted for under the acquisition method of accounting for business
combinations in accordance with generally accepted accounting principles. Under the acquisition method of accounting, the assets (including identifiable intangible assets) and liabilities (including executory contracts and other commitments) of
Empire as of the effective time of the merger will be recorded at their respective fair values and consolidated with those of Flushing. Any excess of purchase price over the fair values of net assets acquired will be recorded as goodwill.
Consolidated financial statements of Flushing issued after the merger will reflect these fair values, goodwill (if any), the issuance of common stock as a result of the merger, and Empire&#146;s results of operations from the effective time of the
merger and will not be restated retroactively to reflect the historical consolidated financial position or results of operations of Empire. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_59">
</A>Board of Directors, Management and Operations Following the Mergers </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing will be the surviving entity in the merger and
Flushing Bank will be the surviving entity in the bank merger. Effective upon completion of the merger and the bank merger, respectively, Douglas C. Manditch, the Chairman of the Empire board and the Empire Bank board, will join the Flushing board
and the Flushing Bank board as a director. Thomas M. Buonaiuto will serve as a Senior Executive Vice President of Flushing and Flushing Bank, effective upon completion of the merger and the bank merger, respectively. All of the other Empire
directors and Empire Bank directors will cease to hold board positions upon completion of the merger and the bank merger, respectively. The Flushing board, the Flushing Bank board and the principal executive officers of Flushing and Flushing Bank
will not otherwise change as a result of the merger or the bank merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the merger, Flushing Bank has entered into a
consulting agreement with Mr.&nbsp;Manditch that will become effective as of the closing of the merger and under which Mr.&nbsp;Manditch will provide certain advisory services to Flushing Bank for the three-year period following the closing of the
merger. Pursuant to the consulting agreement, Mr.&nbsp;Manditch will act as an ambassador for Flushing Bank in the Long Island market by solidifying existing Empire client relationships and encouraging them to continue banking with Flushing Bank, by
exploring new opportunities on behalf of Flushing Bank and by providing a source of ongoing referrals to Flushing Bank. He also will chair the Suffolk Advisory Board and encourage Empire Bank&#146;s directors to refer or move their business to
Flushing Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, Thomas M. Buonaiuto has entered into an employment agreement with Flushing that will become effective as of
the closing of the merger and under which Mr.&nbsp;Buonaiuto will serve as a Senior Executive Vice President of Flushing and Flushing Bank. Pursuant to the employment agreement, Mr.&nbsp;Buonaiuto&#146;s primary role will be to provide high-level
support to Flushing&#146;s president and chief executive officer. Additionally, Mr.&nbsp;Buonaiuto will oversee the development and management of innovative deposit segments at Flushing Bank in an effort to enhance Flushing Bank&#146;s current
deposit gathering initiatives. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_59a"></A>Prior Empire Shareholder Approval of the Merger Agreement </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement was approved by the requisite vote of the holders of Empire voting common stock at a special meeting of Empire held on
February 27, 2020, with 4,649,412 shares voting in favor of the merger proposal, 74,857 voting against the merger proposal and 10,000 shares abstaining with respect to the merger proposal. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_60"></A>Empire Shareholder Approval of the Amendment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The affirmative vote of at least a majority of the shares of Empire voting common stock outstanding as of August 28, 2020, the record date for
the special meeting, is required to approve the amendment proposal. As of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">77 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the record date for the special meeting, there were 6,720,154 shares of Empire voting common stock outstanding. Therefore, at least 3,360,078 shares of Empire voting common stock must be
affirmatively voted in favor of the amendment proposal in order for the Empire shareholders to approve the amendment proposal. Each of Empire&#146;s directors, certain of Empire&#146;s executive officers and Patriot have entered into voting
agreements with Flushing, pursuant to which they have collectively agreed to vote shares totaling, as of the record date for the special meeting, in the aggregate, approximately 1,426,846 shares of Empire&nbsp;voting common stock, or approximately
21.23% of the outstanding Empire&nbsp;voting common stock, in favor of the amendment proposal. Please see &#147;Proposal No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Director, Executive Officer and Large Shareholder Voting
Agreements,&#148; beginning on page&nbsp;105. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_61"></A>Dissenters&#146; Rights </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire shareholders are entitled to dissent from the merger and obtain the fair value of their Empire common stock in cash in accordance with
the procedures established by New York law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Sections&nbsp;623 and 910 of the NYBCL provide that, if the merger is consummated, Empire
shareholders who object to the merger in writing prior to the vote by the holders of Empire voting common stock on the adoption of the amendment and who follow the procedures specified in Section&nbsp;623 (summarized below), will have the right to
receive cash payment of the fair value of their Empire common stock. A copy of Section&nbsp;623 and Section&nbsp;910 of the NYBCL is attached as <U>Annex C</U> to this proxy statement/prospectus. The express procedures of Section&nbsp;623 must be
followed precisely; if they are not, a holder of Empire common stock will lose his or her right to dissent. As described more fully below, such &#147;fair value&#148; would potentially be determined in judicial proceedings, the result of which
cannot be predicted. We cannot assure you that Empire shareholders exercising dissenters&#146; rights will receive consideration equal to or greater than the value of Flushing common stock to be owned by them and/or cash paid to them following
completion of the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The statutory procedures outlined below are complex. What follows is a summary, which is qualified in its
entirety by reference to the full text of Section&nbsp;623 and Section&nbsp;910 of the NYBCL. Empire shareholders wishing to exercise their dissenters&#146; rights should consult with their own legal advisors to ensure that they fully and properly
comply with the requirements of New York law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any holder of Empire common stock will have the right to receive a cash payment of the fair
value of his or her Empire common stock and the other rights and benefits provided in Section&nbsp;623, if such shareholder: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">does not vote in favor of the adoption of the amendment (applicable to the holders of Empire voting common stock
only); and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">files with Empire a written objection to the merger prior to the vote by holders of Empire voting common stock on
the adoption of the amendment. The written objection must include: </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">notice of the holder of Empire common stock&#146;s election to dissent; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the name and residence address of the dissenting holder of Empire common stock; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the number of shares of Empire common stock as to which the holder of such common stock dissents; and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%">&nbsp;</TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a demand for payment of the fair value of such Empire common stock if the merger is consummated.
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A vote against adoption of the amendment will not satisfy the requirement of filing a written objection. Failure to
vote against adoption of the amendment will not waive the right of a holder of Empire voting common stock to receive payment if such holder has filed a written objection in accordance with Section&nbsp;623 and has not voted in favor of adoption of
the amendment. The abstention by a holder of Empire voting common stock from voting on the amendment proposal will likewise not waive his or her dissenter&#146;s rights so long as the appropriate </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">78 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
written objection to the merger is properly and timely filed. However, since a signed proxy left blank will be voted for the amendment proposal, any holder of Empire voting common stock who
wishes to exercise his or her dissenter&#146;s rights must either vote against the amendment proposal or abstain from voting with respect to the amendment proposal, if voting by proxy. Written objection at this time may not be required from any
Empire shareholder to whom Empire did not give proper notice of the special meeting contemplated by this proxy statement/prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A
holder of Empire common stock may not dissent as to less than all Empire common stock held of record that he or she owns beneficially. A nominee or fiduciary may not dissent on behalf of any beneficial owner of Empire common stock as to less than
all Empire common stock of such owner held of record by the nominee or fiduciary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All written objections to the merger and notices of
election to dissent should be addressed to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Empire Bancorp, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">1707 Veterans Highway </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Islandia,
New York 11749 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Attention: Thomas M. Buonaiuto </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the amendment is adopted by the holders of Empire voting common stock, within ten&nbsp;days after such approval, Empire will give written
notice of the approval by registered mail to each holder of Empire common stock who filed a timely written objection or from whom objection was not required, except for any holder of Empire voting common stock who voted in favor of the adoption of
the amendment. Any holder of Empire common stock from whom objection was not required and who elects to dissent must file with Empire, within 20&nbsp;days after the giving of notice to him or her, a written notice of election to dissent, stating his
or her name and residence address, the amount of Empire common stock as to which he or she dissents and a demand for payment of the fair value for his or her Empire common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Either at the time of filing of the notice of election to dissent or within one month thereafter, a dissenting Empire shareholder must submit
the certificates representing his or her dissenting Empire shares to Empire. Empire will note conspicuously on the certificates that a notice of election has been filed and will then return the certificates to the shareholder. Any Empire shareholder
who fails to submit his or her certificates for notation within the required time will, at the option of Empire upon written notice to such Empire shareholder within 45&nbsp;days from the date of filing such notice of election to dissent, lose his
or her dissenter&#146;s rights unless a court, for good cause shown, otherwise directs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Within 15&nbsp;days after the expiration of the
period within which Empire shareholders may file their notices of election to dissent, or within 15&nbsp;days after the completion of the merger, whichever is later (but in no case later than 90&nbsp;days after holders of Empire voting common stock
adopt the amendment), Empire will make a written offer by registered mail to each Empire shareholder, who has filed a notice of election, to pay for his or her dissenting shares at a specified price, which Empire considers to be their fair value. If
the merger has occurred, Empire must accompany the offer by an advance payment to each shareholder who has submitted his or her stock certificates of an amount equal to 80% of the amount of the offer. Acceptance of such payment does not constitute a
waiver of any dissenters&#146; rights. The offer must be made at the same price per share to all the dissenting Empire shareholders. If, within 30&nbsp;days after the making of an offer, Empire and any dissenting Empire shareholders agree on the
price to be paid for dissenting shares, the balance of payment for the shares must be made within 60&nbsp;days after the making of the offer or the completion of the merger, whichever is later, and upon surrender of the certificates representing
such Empire shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If Empire fails to make an offer to dissenting Empire shareholders within the
<FONT STYLE="white-space:nowrap">15-day</FONT> period described above, or if it makes the offer and any dissenting Empire shareholder fails to agree with Empire within 30&nbsp;days thereafter upon the price to be paid for his or her shares, Empire
is required, within 20&nbsp;days after the expiration of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">79 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
whichever is the applicable of the two periods, to institute a special proceeding in the Supreme Court of the State of New York for Suffolk County to determine the rights of dissenting Empire
shareholders and to fix the fair value of their shares. If Empire fails to institute a proceeding within the <FONT STYLE="white-space:nowrap">20-day</FONT> period, any dissenting shareholder may institute a proceeding for the same purpose not later
than 30&nbsp;days after the expiration of the <FONT STYLE="white-space:nowrap">20-day</FONT> period. If a dissenting shareholder does not institute a proceeding within the <FONT STYLE="white-space:nowrap">30-day</FONT> period, all dissenters&#146;
rights are lost unless the court, for good cause shown, otherwise directs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During each proceeding, the court will determine whether each
dissenting shareholder is entitled to receive payment for his or her shares and, if so, will fix the value of such shares as of the close of business on the day prior to the date holders of Empire voting common stock voted to adopt the amendment,
taking into consideration the nature of the transaction giving rise to the shareholder&#146;s right to receive payment for his or her dissenting shares and its effects on Empire and its shareholders, the concepts and methods then customary in
relevant securities and financial markets for determining the fair value of shares of a corporation engaging in a similar transaction under comparable circumstances and all other relevant factors. The court will determine the fair value of the
shares without a jury and without referral to an appraiser or referee. The court will also award interest on such amount to be paid from the completion of the merger to the date of payment unless the court finds that an Empire shareholder&#146;s
refusal to accept Empire&#146;s offer of payment was arbitrary, vexatious or otherwise not in good faith. Each party to such proceeding will bear its own costs and expenses unless the court finds that the Empire shareholder&#146;s refusal to accept
Empire&#146;s offer was arbitrary, vexatious or otherwise not in good faith, in which case Empire&#146;s costs will be assessed against any or all dissenting Empire shareholders who are parties to such proceeding. The court, in its discretion, may
also apportion or assess any part of the dissenting Empire shareholder&#146;s costs against Empire if it finds that the fair value of the shares as determined materially exceeds the amount which Empire offered to pay, or that no offer or advance
payment was made by Empire, or that Empire failed to institute such special proceeding within the specified period, or that the action of Empire in complying with its obligations under Section&nbsp;623 was arbitrary, vexatious or otherwise not in
good faith. Within 60&nbsp;days following the final determination of the proceeding, Empire will pay to each dissenting Empire shareholder the amount found to be due him or her, upon the shareholder&#146;s surrender of all certificates representing
dissenting shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The enforcement by an Empire shareholder of his or her right to receive payment for shares in accordance with
Section&nbsp;623 excludes the enforcement by such shareholder of any other right to which he or she might otherwise be entitled by virtue of his or her ownership of shares (unless the shareholder withdraws his or her notice of election or the merger
is abandoned), except that the shareholder will retain the right to bring or maintain an appropriate action to obtain relief on the grounds that the merger will be or is unlawful or fraudulent as to him or her. An Empire shareholder&#146;s notice of
election may be withdrawn at any time prior to his or her acceptance in writing of an offer to purchase his or her dissenting shares by Empire, but no withdrawal may be made later than 60&nbsp;days from the completion of the merger (unless Empire
failed to make a timely offer) without the written consent of Empire. In order for a withdrawal of an Empire shareholder&#146;s notice of election to be effective, it must be accompanied by a return to Empire of any advance payment made to such
shareholder. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the amendment proposal is approved by the requisite vote of the holders of Empire voting common stock at the special
meeting, then following the closing of the merger, Flushing will assume the obligations of Empire under Section&nbsp;623. The completion of the merger is subject to certain closing conditions (for additional information, please see &#147;Proposal
No. 1: The Amendment Proposal&#151;The Merger Agreement&#151;Conditions to Complete the Merger,&#148; beginning on page&nbsp;103, and &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Conditions to Complete the Merger,&#148;
beginning on page&nbsp;109 of this proxy statement/prospectus). </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>If any Empire shareholder intends to dissent, or if such
shareholder believes that dissenting might be in his, her or its best interests, such shareholder should read <U>Annex E</U> carefully. </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">80 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_62"></A>Regulatory Approvals Required for the Amendment </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Completion of the merger is subject to (i)&nbsp;receipt of the approval of each of the FDIC and the NYDFS for the merger of Empire Bank with
and into Flushing Bank, with Flushing Bank as the surviving institution, and (ii)&nbsp;waiver by the Federal Reserve Board of the application and prior approval requirements of the BHCA for the <FONT STYLE="white-space:nowrap">two-step</FONT>
transaction involving the merger of Merger Sub with and into Empire, with Empire as the surviving institution, and the subsequent merger of Empire with and into Flushing, with Flushing as the surviving institution. As discussed further below, such
approvals and waivers have been obtained from the FDIC, the NYDFS and the Federal Reserve Board; however, the approvals of the FDIC and the NYDFS are subject to certain conditions and, potentially, additional regulatory approvals, which, in each
case, must be satisfied prior to or in connection with consummation of the merger. Subject to the terms of the amended merger agreement, Flushing and Empire have agreed to use their reasonable best efforts and cooperate to promptly prepare and file
all necessary documentation, to obtain as promptly as practicable all regulatory approvals necessary or advisable, and to satisfy the requirements of any condition applicable to such approvals, in order to complete the transactions contemplated by
the amended merger agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Completion of the merger is also subject to the expiration of any applicable statutory waiting periods, in
each case, without the imposition of any condition, prohibition, limitation or other requirement that would, as determined by the Flushing board in its reasonable discretion, (i)&nbsp;prohibit or materially limit the ownership or operation by Empire
or Empire Bank, or by Flushing or any of its subsidiaries, of all or any material portion of the business or assets of Empire or Empire Bank or Flushing or its subsidiaries, (ii)&nbsp;compel Flushing or any of its subsidiaries to pay any amounts
that would be material as compared to the value of the merger (other than customary filing fees and fees of professional advisors customary to effect transactions comparable in nature and size to the merger), (iii) compel Flushing or any of its
subsidiaries to divest any banking office or otherwise dispose of all or any material portion of the business or assets of Empire or Empire Bank or Flushing or any of its subsidiaries, (iv)&nbsp;continue any portion of any material agreement between
Empire and a governmental entity against Flushing or any of its subsidiaries after the merger, (v)&nbsp;increase the capital requirements of Flushing or any of its subsidiaries, (vi)&nbsp;restrict or materially limit the ability of Flushing or its
subsidiaries to expand its or their business, or (vii)&nbsp;otherwise be reasonably likely to have a material and adverse effect on Flushing and its subsidiaries, taken as a whole and giving effect to the merger (each of which we refer to as a
&#147;burdensome condition&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although Flushing and Empire are not aware of any reason why we would not be able to obtain any
regulatory approvals that may be required in a timely manner, we cannot be certain when or if we will receive such approvals if they are required or, if received, whether the approvals will contain terms, conditions or restrictions not currently
contemplated that will be detrimental to or have a material adverse effect on Flushing or its subsidiaries after the completion of the merger. Flushing and Empire believe that the merger should not raise any significant regulatory concerns and that
we will be able to obtain all requisite regulatory approvals in a timely manner and satisfy any applicable conditions to such approvals. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>FDIC </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">On November&nbsp;26, 2019, Flushing filed an application with the FDIC, pursuant to Section&nbsp;18(c) of the Federal Deposit Insurance Act
(which we refer to as the &#147;Bank Merger Act&#148;), for prior approval to merge Empire Bank with and into Flushing Bank, with Flushing Bank as the surviving institution. As each of Flushing Bank and Empire Bank are &#147;eligible depository
institutions,&#148; within the meaning given to that term under the FDIC&#146;s regulations, Flushing Bank&#146;s application was subject to expedited processing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The FDIC takes into consideration a number of factors when acting on applications under the Bank Merger Act. These factors include, among
others, (i)&nbsp;the competitive effects of the proposed transaction, including whether the effect of the proposed transaction in any portion of the country would substantially lessen competition, tend to create a monopoly, or otherwise retrain
trade, (ii)&nbsp;the financial and managerial resources and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">81 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
future prospects of the banking organizations, including the effect of the proposed merger on these resources (including capital and pro forma capital ratios of the combined organization and its
management expertise, internal controls and risk management systems, especially those with respect to compliance with laws applicable to consumers and &#147;fair lending&#148; laws), (iii) the supervisory records of the banking organizations,
including records of compliance with Bank Secrecy Act and anti-money laundering laws, (iv)&nbsp;the effect of the proposal on the convenience and needs of the communities served by the banking organizations, including consideration of the records of
performance of the relevant insured depository institutions under the Community Reinvestment Act of 1977, and (v)&nbsp;the extent to which the proposed merger or acquisition would result in greater or more concentrated risks to the stability of the
U.S. banking or financial system. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As part of the application to the FDIC, Flushing Bank also was required to publish notice of the
transaction and provide an opportunity for public comments or hearing requests to the FDIC on the proposed transaction. The FDIC takes into account the views of third-party commenters, particularly on the subject of the acquirer&#146;s and
target&#146;s service to their respective communities, and any hearing, meeting or comments provided by third parties could prolong the period during which the application is under review by the FDIC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">After the FDIC approval of a merger transaction, the parties to the transaction generally must wait at least 30 days to complete the
transaction, during which time the U.S.&nbsp;Department of Justice (which we refer to as the &#147;DOJ&#148;) may bring a court action challenging the transaction on antitrust grounds. With the approval of the FDIC and the concurrence of the DOJ,
the waiting period may be reduced to no less than 15 days. The commencement of an antitrust action would stay the effectiveness of such an approval unless a court specifically ordered otherwise. In reviewing the antitrust aspects of the transaction,
the DOJ generally analyzes the competitive effects of the transaction differently than the FDIC, and thus it is possible that the DOJ could reach a different conclusion than the FDIC does regarding the merger&#146;s effects on competition. A
determination by the DOJ not to object to the merger may not prevent the filing of antitrust actions by private persons or state attorneys general. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The FDIC issued an order approving Flushing Bank&#146;s Bank Merger Act application on February 12, 2020, subject to the satisfaction of
certain conditions prior to closing of the transaction. Of note, the FDIC&#146;s approval order contained a condition requiring the merger transaction to be consummated within six months of the effective date of the order, unless such period is
extended by the FDIC for good cause. On July 30, 2020, upon written request of Flushing Bank, the FDIC extended the supervisory period within which the transaction must be consummated without additional regulatory review and approval to December 31,
2020. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>NYDFS </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Contemporaneously with
the submission of its application to the FDIC, Flushing Bank submitted an application to the NYDFS for approval of the merger of Empire Bank with and into Flushing Bank, with Flushing Bank as the surviving institution, pursuant to Sections 136, <FONT
STYLE="white-space:nowrap">136-b</FONT> and <FONT STYLE="white-space:nowrap">136-c</FONT> of the New York Banking Law. Pursuant to the foregoing statutes, the NYDFS is required to consider several factors in determining whether to approve the
proposed transaction, including, among others, (i)&nbsp;the NYDFS&#146;s policy that all banking organizations subject to its jurisdiction be supervised and regulated in such manner as to ensure their safe and sound conduct, eliminate unsound and
destructive competition, and maintain public confidence in the banking system, (ii)&nbsp;whether the effect of the proposed transaction will be either to expand the size or extent of the resulting institution beyond limits consistent with adequate
and sound banking and the preservation thereof or will result in a concentration of assets beyond limits consistent with effective competition, (iii)&nbsp;whether the merger may result in such a lessening of competition as to be injurious to the
interests of the public or tend toward monopoly and (iv)&nbsp;primarily, the public interest and the needs and convenience thereof. The NYDFS is required to approve or disapprove of a proposed merger transaction with 120 days of its receipt of an
application and plan of merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The NYDFS issued a conditional order approving of Flushing Bank&#146;s application on February 24, 2020.
The conditions set forth the NYDFS&#146;s approval order require the filing of additional materials prior to the closing of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">82 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the transaction and, in certain circumstances, may require additional approvals from the NYDFS before the merger can be consummated. Specifically, the NYDFS approval order provides that any
modifications or changes to the proposed transaction shall require the approval of the NYDFS prior to completion of the transaction. Flushing Bank has notified the NYDFS of the amendment and has requested a waiver of the above-described condition in
respect of the amendment. As of the date of this proxy statement/prospectus, the NYDFS has not granted such waiver, nor has the NYDFS approved of the amendment in writing pursuant to its earlier approval order. Flushing Bank and Empire are not aware
of any reason that receipt of the NYDFS&#146;s written approval of the amendment or a waiver of such requirement will not be obtained prior to the closing date of the merger; however, we cannot be certain when or if we will receive such approval or
waiver, or if such approval or waiver will contain terms, conditions or restrictions not currently contemplated that will be detrimental to the transaction or have a material adverse effect on Flushing or its subsidiaries after the completion of the
merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_63"></A>NASDAQ Listing </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing has agreed in the amended merger agreement to use its commercially reasonable efforts to list the shares to be issued in the merger on
the NASDAQ prior to the effective time of the merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_64"></A>Resale of Flushing Common Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing has registered its common stock to be issued in the merger with the SEC under the Securities Act. No restrictions on the sale or other
transfer of Flushing common stock issued in the merger will be imposed solely as a result of the merger, except for restrictions on the transfer of Flushing common stock issued to any Empire shareholder who may become an &#147;affiliate&#148; of
Flushing for purposes of Rule 144 under the Securities Act. The term &#147;affiliate&#148; is defined in Rule 144 under the Securities Act and generally includes executive officers, directors and shareholders beneficially owning 10% or more of the
outstanding Flushing common stock. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">83 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_65"></A>MATERIAL U.S. FEDERAL INCOME TAX CONSEQUENCES OF THE MERGER
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following general discussion sets forth the anticipated material U.S. federal income tax consequences of the merger to
U.S.&nbsp;holders (as defined below) of Empire common stock that exchange their shares of Empire common stock for shares of Flushing common stock and/or cash in the merger. This discussion does not address any tax consequences arising under the laws
of any state, local or <FONT STYLE="white-space:nowrap">non-U.S.</FONT> jurisdiction, or under any U.S. federal laws other than those pertaining to income tax. This discussion is based upon the Code, the regulations promulgated thereunder by the
U.S. Department of the Treasury (which we refer to as the &#147;Treasury Regulations&#148;) and judicial and administrative rulings and decisions, all as in effect on the date of this proxy statement/prospectus. These laws may change, possibly
retroactively, and any change could affect the accuracy of the statements and conclusions set forth in this discussion. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This discussion
applies only to those holders of Empire common stock that hold their shares of Empire common stock as a capital asset within the meaning of Section&nbsp;1221 of the Code (generally, property held for investment). Further, this discussion does not
address all aspects of U.S. federal income taxation that may be relevant to a holder in light of the holder&#146;s particular circumstances or that may be applicable to a holder if the holder is subject to special treatment under the U.S. federal
income tax laws, including if the holder is: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a financial institution; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a <FONT STYLE="white-space:nowrap">tax-exempt</FONT> organization; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an S corporation or other pass-through entity (or an investor in an S corporation or other pass-through entity);
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an insurance company; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a mutual fund; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a regulated investment company; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a real estate investment trust; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a dealer or broker in stocks and securities, or currencies; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a trader in securities that elects
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">mark-to-market</FONT></FONT> treatment; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an Empire shareholder subject to the alternative minimum tax provisions of the Code; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a holder of&nbsp;Empire equity awards, including&nbsp;Empire restricted stock, options, and other forms of
compensation; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an Empire shareholder that received Empire common stock through the exercise of an employee stock option, through
a tax qualified retirement plan or otherwise as compensation; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a person that is not a U.S. holder (as defined below); </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a person that has a functional currency other than the U.S. dollar; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a person owning 5% or more of Empire common stock or that is an affiliate of Empire; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an Empire shareholder that holds Empire common stock as part of a hedge, straddle, constructive sale, conversion
or other integrated transaction; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a U.S. expatriate. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this discussion, the term &#147;U.S. holder&#148; means a beneficial owner of Empire common stock that is for U.S. federal
income tax purposes (i)&nbsp;an individual citizen or resident of the United States, (ii)&nbsp;a corporation, or entity treated as a corporation, organized in or under the laws of the United States or any state thereof or the District of Columbia,
(iii)&nbsp;a trust if a court within the United States is able to exercise primary supervision over the administration of the trust and one or more U.S. persons have the authority to control all substantial decisions of the trust, or such trust has
made a valid election to be treated as a U.S. person for U.S. federal income tax purposes, or (iv)&nbsp;an estate, the income of which is includible in gross income for U.S. federal income tax purposes regardless of its source. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">84 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The U.S. federal income tax consequences to a partner in an entity or arrangement that is
treated as a partnership for U.S.&nbsp;federal income tax purposes and that holds Empire common stock generally will depend on the status of the partner and the activities of the partnership. Partners in a partnership holding Empire common stock
should consult their own tax advisors. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Determining the actual tax consequences of the merger to you may be complex and will depend on
your specific situation and on factors that are not within the parties&#146; control. You should consult your own independent tax advisor as to the specific tax consequences of the merger to you taking into account your particular circumstances,
including the applicability and effect of federal, state, local, <FONT STYLE="white-space:nowrap">non-U.S.</FONT> and other tax laws and of changes in those laws. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>U.S. Federal Income Tax Consequences of the Merger Generally </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire are of the view that the first-step merger and the second-step merger, considered together, constitute a
&#147;reorganization&#148; within the meaning of Section 368(a) of the Code for U.S. federal income tax purposes, and Flushing and Empire intend to report the merger accordingly for U.S. federal income tax purposes. However, whether or not the
transaction will qualify for the intended tax treatment is not free from doubt. In particular, the intended tax treatment requires that the value of the shares of Flushing common stock issued to the &#147;proprietary&#148; shareholders of Empire in
the first-step merger represent at least a minimum percentage of their total consideration. While there is no specific guidance as to precisely what minimum percentage is necessary to satisfy this requirement, it would be satisfied if the shares of
Flushing common stock represents at least 40% of the total consideration. For purposes of this test, the value of the Flushing shares would be determined as of the date immediately prior to the date the original merger agreement was signed (the
&#147;pre-signing date&#148;), if the amount of Flushing shares to be paid to all of the proprietary owners of Empire is &#147;fixed&#148; as of signing, taking into account certain permissible contingencies. Due to the absence of guidance bearing
directly on whether restricted shareholders of Empire constitute proprietary owners, and the fact that elections made by such restricted shareholders could impact the aggregate amount of Flushing shares received by non-restricted shareholders, it is
not clear whether the IRS would agree with the position of the parties hereto that the amount of stock consideration to be paid to the proprietary owners of Empire was &#147;fixed&#148; as of signing and, therefore, is to be valued as of the
pre-signing date. If the consideration is not &#147;fixed,&#148; then the Flushing shares would need to be valued as of the closing date, and there can be no assurance that the value of the Flushing shares at that time will be sufficient so as to
enable the merger to qualify for the intended tax treatment. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with the registration statement of which this proxy
statement/prospectus forms a part, Flushing has received an opinion from Arnold &amp; Porter Kaye Scholer, LLP, and Empire has received an opinion from Fenimore, Kay, Harrison &amp; Ford LLP, that, subject to certain representations, qualifications
and assumptions, it is more likely than not that the first-step merger and the second-step merger, considered together, will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. However, neither Flushing nor
Empire intends to request any ruling from the IRS as to the U.S. federal income tax consequences of the merger. Therefore, no assurance can be given that the IRS will not assert, or that a court would not sustain, a position contrary to any of those
set forth in this summary. The obligations of Flushing and Empire to complete the merger are not conditioned on the receipt of an opinion at closing from their respective legal counsel as to the qualification of the merger as a
&#147;reorganization&#148; within the meaning of Section 368(a) of the Code. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Tax Consequences if the Merger Qualifies as a Reorganization </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>General Tax Consequences </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Assuming
the first-step merger and the second-step merger, considered together, qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code, upon the exchange of Empire common stock for Flushing common stock and/or cash, the
U.S. federal income tax consequences will be as follows: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Except as discussed below with respect to cash received in lieu of a fractional share of&nbsp;Flushing common
stock, no gain or loss will be recognized by Empire shareholders who exchange all of their&nbsp;Empire common stock solely for&nbsp;Flushing&nbsp;common stock. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">85 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Upon exchanging&nbsp;Empire common stock for both&nbsp;Flushing common stock and cash (other than cash in lieu of
a fractional share of Flushing common stock), Empire shareholders will recognize gain (but not loss) in an amount equal to the lesser of: (i)&nbsp;the amount, if any, by which the sum of the cash (excluding cash received in lieu of a fractional
share) and the fair market value of the&nbsp;Flushing common stock received by such shareholder exceeds the adjusted tax basis in such shareholder&#146;s&nbsp;Empire common stock exchanged therefor and (ii)&nbsp;the amount of cash received by such
shareholder (except with respect to cash received in lieu of a fractional share of&nbsp;Flushing&nbsp;common stock, as discussed below). Such gain will be capital gain (except for gain treated as a dividend, as discussed below) and will be long-term
capital gain if the shareholder&#146;s holding period in the surrendered&nbsp;Empire common stock exceeds one year at the effective time. Long-term capital gains of individuals generally are eligible for reduced rates of taxation.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The aggregate tax basis of the&nbsp;Flushing common stock received by an Empire shareholder in the merger
(including fractional&nbsp;shares of Flushing&nbsp;common stock deemed received and sold as described below) will be the same as the aggregate adjusted tax basis of such shareholder&#146;s Empire common stock exchanged therefor, decreased by the
cash received (other than cash received in lieu of a fractional share of&nbsp;Flushing&nbsp;common stock) and increased by the amount of any gain recognized by the holder (excluding any gain recognized with respect to cash received in lieu of a
fractional share of Flushing common stock). </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The holding period of the&nbsp;Flushing&nbsp;common stock received in exchange for&nbsp;Empire&nbsp;common stock
(including any fractional share of Flushing common stock deemed received and redeemed for cash, as discussed below) will include the holding period of the&nbsp;Empire&nbsp;common stock exchanged for such&nbsp;Flushing&nbsp;common stock.
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire shareholders that receive the entirety of their merger consideration in the form of cash pursuant to the
cash election generally will recognize gain or loss equal to the difference between the amount of cash received and the basis in their Empire common stock exchanged therefor. The gain or loss recognized by such shareholders generally will be capital
gain or loss, and will be long-term capital gain or loss if, as of the effective time of the merger, the shareholder&#146;s holding period for the relevant&nbsp;Empire common stock is greater than one year. Long-term capital gains of individuals are
generally eligible for reduced rates of taxation. The deductibility of capital losses is subject to limitations. </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Empire shareholders that receive cash in lieu of a fractional&nbsp;share of Flushing common stock will be treated
as having received such fractional&nbsp;share of Flushing common stock pursuant to the merger and then as having redeemed such fractional share of Flushing common stock for cash. As a result, such holders generally will recognize gain or loss equal
to the difference between the amount of cash received for such fractional share of Flushing common stock and their tax basis in such fractional share of&nbsp;Flushing common stock as set forth above. The gain or loss recognized by shareholders
described in this paragraph generally will be capital gain or loss (except for gain treated as a dividend, as discussed below), and will be long-term capital gain or loss if, as of the effective time of the merger, the shareholder&#146;s holding
period for the relevant&nbsp;Flushing common stock (which, as noted above, includes the holding period of Empire common stock surrendered therefor) is greater than one year. Long-term capital gains of individuals are generally eligible for reduced
rates of taxation. The deductibility of capital losses is subject to limitations. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If you acquired different blocks of
Empire common stock at different times or at different prices, you should consult your own tax advisor regarding the manner in which cash and&nbsp;Flushing&nbsp;common stock should be allocated among different blocks of&nbsp;Empire&nbsp;common
stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the time an Empire shareholder makes a cash election or stock election pursuant to the terms of the amended merger agreement,
such shareholder will not know whether, and to what extent, the proration provisions of the amended merger agreement might alter the mix of merger consideration such shareholder will </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">86 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
receive. As a result, the U.S. federal income tax consequences to such shareholder will not be ascertainable with certainty until such shareholder knows the precise amount of cash and Flushing
common stock that such shareholder will receive as merger consideration. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Possible Treatment of Cash as a Dividend </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under certain circumstances, cash received by an Empire shareholder that is also the beneficial owner of&nbsp;Flushing common stock may be
treated as a dividend for U.S. federal income tax purposes. In general, the determination of whether the gain recognized in the exchange will be treated as capital gain or has the effect of a distribution of a dividend depends upon whether and to
what extent the exchange reduces the holder&#146;s deemed percentage stock ownership of Flushing. For purposes of this determination, the holder is treated as if it first exchanged all of its shares of Empire common stock solely for Flushing common
stock and then Flushing immediately redeemed (which we refer to in this document as the &#147;Deemed Redemption&#148;) a portion of the Flushing common stock in exchange for the cash the holder actually received. The gain recognized in the Deemed
Redemption will be treated as capital gain if the Deemed Redemption is &#147;substantially disproportionate&#148; with respect to the holder, or &#147;not essentially equivalent to a dividend.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Deemed Redemption generally will be &#147;substantially disproportionate&#148; with respect to a holder if the percentage described in
clause&nbsp;(ii) below is less than 80% of the percentage described in clause (i)&nbsp;below. Whether the Deemed Redemption is &#147;not essentially equivalent to a dividend&#148; with respect to a holder will depend upon the holder&#146;s
particular circumstances. At a minimum, however, in order for the Deemed Redemption to be &#147;not essentially equivalent to a dividend,&#148; the Deemed Redemption must result in a &#147;meaningful reduction&#148; in the holder&#146;s deemed
percentage stock ownership of Flushing. In general, that determination requires a comparison of (i)&nbsp;the percentage of the outstanding stock of Flushing that the holder is deemed actually and constructively to have owned immediately before the
Deemed Redemption and (ii)&nbsp;the percentage of the outstanding stock of Flushing that is actually and constructively owned by the holder immediately after the Deemed Redemption. In applying the above tests, a holder may, under the constructive
ownership rules, be deemed to own stock that is owned by other persons or stock underlying a holder&#146;s option to purchase such stock in addition to the stock actually owned by the holder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The IRS has ruled that a shareholder in a publicly-held corporation whose relative stock interest is minimal and who exercises no control with
respect to corporate affairs is generally considered to have a &#147;meaningful reduction&#148; if that shareholder has a relatively minor reduction in its percentage stock ownership under the above analysis; accordingly, the gain recognized in the
exchange by such a shareholder would be treated as capital gain. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">These rules are complex and depend upon the specific factual
circumstances particular to each Empire shareholder, including the application of various constructive ownership rules. Consequently, Empire shareholders should consult their tax advisors regarding the application of the foregoing rules to their
particular circumstances. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Tax Consequences if the Merger Does Not Qualify as a Reorganization </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the first step-merger and the second-step merger, considered together, do not qualify as a &#147;reorganization&#148; within the meaning of
Section 368(a) of the Code, then an Empire shareholder generally will recognize gain or loss upon the exchange of Empire common stock in the first-step merger equal to the difference, if any, between (i) the sum of the fair market value of the
shares of Flushing common stock and the amount of cash received by such shareholder (including cash received in lieu of fractional shares of Flushing common stock) and (ii) the shareholder&#146;s adjusted tax basis in the Empire common shares
surrendered. If an Empire shareholder acquired different blocks of Empire common stock at different times or at different prices, any gain or loss will be determined separately with respect to each block of Empire common stock. Any gain or loss
recognized by an Empire shareholder in connection with the first-step merger generally will constitute capital gain or loss, and generally will constitute long-term capital gain or loss if such shareholder has held its Empire common stock for
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">87 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
more than one year as of the date of the first-step merger. Long-term capital gains of certain non-corporate holders, including individuals, generally are taxed at preferential rates. The
deductibility of capital losses is subject to limitations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">An Empire shareholder generally will have an aggregate tax basis in its shares
of Flushing common stock received in the first-step merger equal to the fair market value of such shares as of the date such shares are received. An Empire shareholder&#146;s holding period in shares of Flushing common stock received in the
first-step merger will begin on the day following the first-step merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Additional Medicare Tax </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Certain <FONT STYLE="white-space:nowrap">non-corporate</FONT> Empire shareholders whose income exceeds certain thresholds may also be subject
to an additional 3.8% tax on their &#147;net investment income&#148; up to the amount of such excess. Gain or loss recognized in the merger generally will be includable in a holder&#146;s net investment income for purposes of this tax. <FONT
STYLE="white-space:nowrap">Non-corporate</FONT> Empire shareholders should consult their own tax advisors regarding the possible effect of this tax. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Information Reporting and Backup Withholding </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Cash payments received in the merger by an Empire shareholder may, under certain circumstances, be subject to information reporting and backup
withholding at a current rate of 24% of the cash payable to the shareholder, unless the shareholder (i)&nbsp;furnishes its taxpayer identification number (in the case of individuals, their social security number) and otherwise complies with all
applicable requirements of the backup withholding rules, or (ii)&nbsp;such holder is otherwise exempt from backup withholding and, when required, demonstrates this fact. Any amounts withheld from payments to a shareholder under the backup
withholding rules are not additional tax and will be allowed as a refund or credit against the shareholder&#146;s U.S. federal income tax liability, provided the required information is timely furnished to the IRS. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Reporting Requirements </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If an Empire
shareholder who receives Flushing common stock in the merger is considered a &#147;significant holder,&#148; such holder will be required&nbsp;to file a statement with the holder&#146;s U.S. federal income tax return providing certain facts
pertinent to the merger, including the tax basis in and value of the Empire common stock surrendered in the merger. A &#147;significant holder&#148; for this purpose generally is any Empire shareholder who, immediately before the merger, owns at
least 5% (by vote or value) of the total outstanding Empire common stock or&nbsp;owns Empire securities with a tax basis of $1&nbsp;million or more. Each holder of Empire common stock should consult its tax advisor as to whether such holder may be
treated as a &#147;significant holder.&#148; Each Empire shareholder, whether or not a&nbsp;significant&nbsp;holder, will be required to retain permanent records necessary to determine gain or loss from a subsequent disposition of any shares of
Flushing common stock received pursuant to the merger in accordance with the requirements of applicable Treasury Regulations. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>This
summary of certain material U.S. federal income tax consequences is for general information only and is not tax advice. Tax matters are very complicated, and the tax consequences of the merger to you will depend on the facts of your particular
situation. You are urged to consult your tax advisor with respect to the application of U.S.&nbsp;federal income tax laws to your particular situation as well as any tax consequences arising under the U.S. federal estate or gift tax rules, or under
the laws of any state, local, <FONT STYLE="white-space:nowrap">non-U.S.</FONT> or other taxing jurisdiction. </B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">88 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_66"></A>THE MERGER AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>The following describes certain aspects of the merger, including certain material provisions of the merger agreement. The following
description of the merger agreement is subject to, and is qualified in its entirety by reference to, the original merger agreement and amendment no. 1, a copy of each of which is attached as <U>Annex</U><U></U><U>&nbsp;B</U> and <U>Annex C</U>,
respectively, to this proxy statement/prospectus and are incorporated by reference into this proxy statement/prospectus and the amendment, a copy of which is attached as <U>Annex&nbsp;A</U> to this proxy statement/prospectus and is incorporated by
reference into this proxy statement/prospectus. You should also review the following description of the merger agreement, together with the description of the amendment in the section titled &#147;Proposal No. 1: The Amendment Proposal&#151;The
Amendment,&#148; to understand the modifications to the merger agreement effectuated through the amendment. We urge you to read the amended merger agreement carefully and in its entirety, as it is the legal document governing the merger. </I></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_67"></A>Structure of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement provides for (i)&nbsp;the merger of Merger Sub with and into Empire, with Empire continuing as the surviving corporation
in the first-step merger and as a wholly-owned subsidiary of Flushing, (ii)&nbsp;substantially simultaneously with but immediately following the completion of the first-step merger, the merger of Empire with and into Flushing, with Flushing
continuing as the surviving corporation in the second-step merger, and (iii)&nbsp;substantially simultaneously with but immediately following the completion of the second-step merger, the merger of Empire Bank with and into Flushing Bank with
Flushing Bank continuing as the surviving bank in the bank merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_68"></A>Merger Consideration </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the effective time of the merger, each share of Empire common stock issued and outstanding immediately prior to the effective time (except
for shares of Empire common stock held by Empire as treasury stock, certain shares held by Flushing, if any, and shares held by Empire shareholders who properly exercise their rights under applicable law to dissent from the merger) will be converted
into the right to receive either (i) 0.6548 shares of Flushing common stock or (ii) $14.04 in cash, without interest. The form of merger consideration to be received in exchange for each outstanding share of Empire common stock will be determined
based upon the election of each Empire shareholder, subject to the election, allocation and proration procedures described below, which provide for an aggregate split of total consideration consisting of 50% Flushing common stock and 50% cash. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the number of outstanding shares of Flushing common stock or Empire common stock is increased, decreased, changed into or exchanged for a
different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification, stock dividend, stock split, reverse stock split or other similar change in capitalization, or if there is any extraordinary
dividend or distribution, an appropriate and proportionate adjustment will be made to the merger consideration. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Election </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement provides that, subject to the election, allocation and proration procedures in the merger agreement, (i)&nbsp;each share
of Empire common stock with respect to which a valid election to receive the cash consideration has been made (which we refer to as &#147;cash election shares&#148;) will be converted into the right to receive an amount in cash equal to $14.04
(which we refer to as the &#147;per share cash consideration&#148;), and (ii)&nbsp;each share of Empire common stock with respect to which a valid election to receive the stock consideration has been made (which we refer to as &#147;stock election
shares&#148;) will be converted into the right to receive 0.6548 shares of Flushing common stock (which we refer to as the &#147;per share stock consideration&#148;). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">89 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I><FONT STYLE="white-space:nowrap">Non-Election</FONT> </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each share of Empire common stock with respect to which (i)&nbsp;no election is made regarding the form of merger consideration to be received
in the merger, (ii)&nbsp;an election form is not received by the exchange agent by the election deadline, or (iii)&nbsp;the election form is improperly completed and/or not signed will be deemed to be a
<FONT STYLE="white-space:nowrap">non-election</FONT> share. Each <FONT STYLE="white-space:nowrap">non-election</FONT> share will be converted into the right to receive the cash consideration or the stock consideration depending on, and after giving
effect to, the allocation and proration procedures described below, the number of valid cash elections and stock elections that have been made by other Empire shareholders, and the number of shares held by Empire shareholders who have perfected and
not lost their right to dissenters&#146; rights of appraisal in accordance with the procedures and requirements of New York law. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Election Procedures
</I></P>  <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The election deadline and the timing for delivery of the form of election to the holders of Empire common stock were modified by
the amendment. See &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Merger Consideration&#151;Election Procedures,&#148; beginning on page&nbsp;107. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Holders of Empire common stock who wish to elect the type of merger consideration they will receive in the merger should carefully review and
follow the instructions set forth in the form of election. To make an election, a holder of record of Empire common stock must submit a properly completed form of election so that it is actually received by the exchange agent at or prior to the
election deadline in accordance with the instructions on the form of election. Empire shareholders who hold their shares in &#147;street name&#148; should follow their broker&#146;s instructions for making an election with respect to such shares.
Shares of Empire common stock as to which the record holder has not made a valid election prior to the election deadline set forth in the election form, will be treated as <FONT STYLE="white-space:nowrap">non-election</FONT> shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">An election may be revoked or changed but only by written notice received by the exchange agent prior to the election deadline. If an election
is revoked, the holder submitting such revocation will be deemed to have made no election with respect to such holder&#146;s shares of Empire common stock unless a subsequent properly executed form of election is actually received by the exchange
agent at or prior to the election deadline. Empire shareholders will not be entitled to revoke or change their elections after the election deadline. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Shares of Empire common stock as to which the holder has not made a valid election prior to the election deadline, including as a result of
revocation, will be deemed <FONT STYLE="white-space:nowrap">non-election</FONT> shares. If it is determined that any purported cash election or stock election was not properly made, the purported election will be deemed to be of no force or effect
and the holder making the purported election will be deemed not to have made an election for these purposes, unless a proper election is subsequently made on a timely basis. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Solely for purposes of applying the proration and election procedures in the merger agreement, any for shares held by Empire shareholders who
have properly exercised their rights to dissent from the merger (which we refer to as &#147;dissenting shares&#148;) will be deemed to be cash election shares, and the holders of such shares will in no event receive the stock consideration for such
shares, except that, if the holder of such dissenting shares fails to perfect or otherwise waives, withdraws or loses the right to dissent under the NYBCL, such shares will be treated as <FONT STYLE="white-space:nowrap">non-election</FONT> shares.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The allocation among the holders of Empire common stock of the stock consideration and the cash consideration in accordance with the
forms of election and the allocation and proration procedures in the merger agreement is expected to occur within ten (10)&nbsp;business days after the effective time of the merger. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Allocation and Proration Procedures </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
election, allocation and proration procedures in the merger agreement are intended to provide for an aggregate split of total consideration consisting of 50% Flushing common stock and 50% cash. As a result, even
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">90 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
if an Empire shareholder makes a cash election for all of such holder&#146;s shares of Empire common stock, such Empire shareholder may nevertheless receive a mix of cash consideration and stock
consideration for such shares if the total number of shares of Empire common stock for which a cash election is made exceeds the target cash conversion number. Likewise, even if an Empire shareholder makes a stock election for all of such
holder&#146;s shares of Empire common stock, such Empire shareholder may nevertheless receive a mix of cash consideration and stock consideration in exchange for such shares if the total number of shares of Empire common stock for which a cash
election is made is less than the target cash conversion number. The allocation and proration procedures were clarified in the amendment in order to better reflect the parties&#146; mutual intent and understanding at the time of the merger
agreement. See &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Merger Consideration&#151;Allocation and Proration Procedures,&#148; beginning on page&nbsp;107. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Proration If Cash Consideration Is Oversubscribed </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the total number of cash election shares is greater than the target cash conversion number, then: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">All stock election shares and <FONT STYLE="white-space:nowrap">non-election</FONT> shares will be converted into
the right to receive the stock consideration; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the exchange agent will then select from among the cash election shares, by a pro rata selection process, a
sufficient number of shares to receive the per share stock consideration, such that the aggregate number of shares of Empire common stock that will be paid the per share cash consideration equals the target cash conversion number, and all such
selected shares will be converted into the right to receive the stock consideration; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the cash election shares not selected to receive the per share stock consideration as described above will be
converted into the right to receive the per share cash consideration. </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Proration if Cash Consideration is Undersubscribed </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the total number of cash election shares is less than the target cash conversion number, then: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all cash election shares will be converted into the right to receive the cash consideration;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the exchange agent will then select first from among the <FONT STYLE="white-space:nowrap">non-election</FONT>
shares, by a random selection process, and then (if necessary) from among the stock election shares, by a pro rata selection process, a sufficient number of shares to receive the per share cash consideration, such that the aggregate number of shares
of Empire common stock that will be paid the per share cash consideration equals the target cash conversion number, and all such selected shares will be converted into the right to receive the cash consideration; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the stock election shares and the <FONT STYLE="white-space:nowrap">non-election</FONT> shares that are not
selected to receive the per share cash consideration as described above will be converted into the right to receive the per share stock consideration. </P></TD></TR></TABLE>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>No Adjustment if Cash Consideration Is Sufficiently Subscribed </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the number of cash election shares is equal to the target cash conversion number, the cash election is sufficient. If the cash election is
sufficient, then: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">each cash election share will be converted into the right to receive the cash consideration;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">each stock election share will be converted into the right to receive the stock consideration; and
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">each <FONT STYLE="white-space:nowrap">non-election</FONT> share will be converted into the right to receive the
stock consideration. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The pro rata selection process to be used by the exchange agent will consist of such equitable pro ration
processes as mutually determined by Flushing and Empire. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">91 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Fractional Shares </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing will not issue any fractional shares of Flushing common stock in the merger. Instead, any Empire shareholder who otherwise would have
been entitled to receive a fraction of a share of Flushing common stock will instead be entitled to receive an amount in cash, rounded to the nearest cent, determined by multiplying the fraction of a share (rounded to the nearest thousandth when
expressed in decimal form) of Flushing common stock to which the holder would otherwise be entitled by the VWAP per share of Flushing common stock on the NASDAQ (as reported by The Wall Street Journal) for the five full trading days ending on the
last trading day preceding the closing date. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Treatment of Stock Options </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the terms of the merger agreement, each Empire stock option, whether vested or unvested, that is outstanding and unexercised immediately
prior to such time will, at the effective time of the merger, automatically become fully vested and canceled and thereafter represent only the right to receive, in lieu of the Empire common stock issuable upon the exercise of such stock option, an
amount in cash equal to the difference between the per share merger consideration of $14.04 in cash and the per share exercise price for each share subject to the Empire stock option (without interest and less any applicable withholding taxes). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed to obtain a written acknowledgment and waiver agreement from each holder of Empire stock options at least 15 days prior to
the closing date of the merger (i)&nbsp;confirming the number of options held (and the number of shares of Empire common stock subject to such options), (ii)&nbsp;confirming that the treatment of such options and the amounts to be paid have been
correctly calculated in accordance with the merger agreement, (iii)&nbsp;agreeing to notify Flushing and Empire in writing immediately upon the exercise of any option, and, in the case of such an exercise, agreeing to provide an updated
acknowledgment to Flushing the day prior to the closing date of the merger and (iv)&nbsp;acknowledging that in consideration for the cancellation of such options, the holder agrees to accept the cash payment described above. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Treatment of Restricted Stock </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the
effective time of the merger, each outstanding restricted stock award in respect of shares of Empire common stock will automatically become fully vested and the restrictions thereon will lapse. Each share of Empire common stock subject to such
restricted stock award will be treated as an outstanding share of Empire common stock and will be entitled to receive either the per share cash consideration or per share stock consideration based on the election, allocation and proration procedures
described above (without interest and less any applicable withholding taxes). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed to obtain a written acknowledgment and
waiver agreement from each holder of Empire restricted stock awards at least 15 days prior to the closing date of the merger, (i)&nbsp;confirming the number of restricted stock awards held (and the number of shares of Empire common stock subject to
such restricted stock awards), (ii)&nbsp;confirming that the treatment of such restricted stock awards and the amounts to be paid have been correctly calculated in accordance with the merger agreement and (iii)&nbsp;acknowledging that in
consideration for the cancellation of such restricted stock awards, the holder agrees to accept the cash payment described above. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_69">
</A>Governing Documents; Directors and Officers </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the effective time of the first-step merger, the certificate of incorporation of
Empire in effect immediately prior to the effective time will be the certificate of incorporation of the surviving corporation in the first-step merger until thereafter amended in accordance with its terms and applicable law, and the bylaws of
Merger Sub in effect immediately prior to the effective time will be the <FONT STYLE="white-space:nowrap">by-laws</FONT> of the surviving corporation in the first-step merger until thereafter amended in accordance with their terms and applicable
law. Upon the effective time of the second-step merger, the certificate of incorporation and bylaws of Flushing in effect immediately prior to the effective time will be the certificate of incorporation and bylaws of the surviving corporation in the
second-step merger until thereafter amended in accordance with applicable law and the terms of such documents. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">92 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The directors and officers of Merger Sub immediately prior to the effective time of the
merger will be the directors and officers of the surviving corporation in the first-step merger and will hold office until their respective successors are duly elected or appointed, or their earlier death, resignation or removal. The directors and
officers of Flushing in office immediately prior to the effective time of the second-step merger will be the directors and officers of the surviving corporation in the second-step merger, subject to the obligation of Flushing to appoint Douglas C.
Manditch as a Class&nbsp;C director, and each such director and officer and will hold office until his or her respective successors are duly elected or appointed, or their earlier death, resignation or removal. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_70"></A>Flushing Common Stock and Merger Sub Common Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At and after the effective time of the merger, each share of Flushing common stock issued and outstanding immediately prior to the effective
time will remain issued and outstanding and will not be affected by the merger. At and after the effective time of the merger, each share of common stock of Merger Sub issued and outstanding immediately prior to the effective time will be converted
into and become one share of common stock of the surviving corporation. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_71"></A>Closing and Effective Time of the Merger </B></P>
 <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger will be completed only if all conditions to the merger discussed in this proxy statement/prospectus and set forth in the merger
agreement are either satisfied or waived. See &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger Agreement&#151;Conditions to Complete the Merger&#148; beginning on page&nbsp;103, and &#147;Proposal No.&nbsp;1: The Amendment
Proposal&#151;The Amendment&#151;Conditions to Complete the Merger&#148; beginning on page&nbsp;109. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The first-step merger will
become effective as of the date and time specified in the certificate of merger for the first-step merger to be filed with the Secretary of State of the State of New York. The second-step merger will become effective as of the date and time set
forth in the certificates of merger to be filed with the Secretary of State of the State of Delaware and the Secretary of State of the State of New York for the second-step merger. Under the merger agreement, the closing of the merger will take
place at 10:00 a.m., New York City time, on the date that is five business days after the satisfaction or waiver of the last to occur of the conditions set forth in the merger agreement, unless extended by the mutual agreement of the parties. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_72"></A>Conversion of Shares; Exchange of Certificates </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The conversion of Empire common stock into the right to receive the merger consideration will occur automatically at the effective time of the
merger. After completion of the merger, an exchange agent will exchange certificates representing shares of Empire common stock for the merger consideration to be received pursuant to the terms of the merger agreement. The parties agreed that
Flushing will designate an exchange agent, reasonably acceptable to Empire, to facilitate the exchange. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Letter of Transmittal </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Together with the form of election, the exchange agent will mail or otherwise deliver to each holder of record of Empire common stock a letter
of transmittal and instructions on how to surrender shares of Empire common stock in exchange for the merger consideration and any applicable cash in lieu of fractional shares and dividends the holder is entitled to receive under the merger
agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If any certificate representing Empire common stock has been lost, stolen or destroyed, the exchange agent will issue the
merger consideration and any applicable cash in lieu of fractional shares in exchange for such certificate upon receipt of an affidavit of that fact by the holder of such lost, stolen or destroyed certificate and, if requested by Flushing, the
posting of a bond in an amount as Flushing may determine is reasonably necessary as indemnity against any claim that may be made against it with respect to such certificate. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">93 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">After completion of the merger, there will be no further transfers on the stock transfer
books of Empire of shares of Empire common stock that were issued and outstanding immediately prior to the effective time of the merger. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Withholding
</I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and the exchange agent will be entitled to deduct and withhold from the merger consideration, cash in lieu of fractional
shares, cash dividends or distributions payable, or any other amounts payable, under the merger agreement to any Empire shareholder the amounts they are required to deduct and withhold under the Code or any state, local or foreign tax law. If any
such amounts are withheld and paid over to the appropriate governmental authority, these amounts will be treated for all purposes of the merger agreement as having been paid to the shareholders from whom they were withheld. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Dividends and Distributions </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No dividends
or other distributions declared with respect to Flushing common stock after the effective time of the merger will be paid to the holder of any <FONT STYLE="white-space:nowrap">un-surrendered</FONT> certificate representing Empire common stock until
the holder surrenders such certificate in accordance with the merger agreement. After the surrender of such certificate in accordance with the merger agreement, the record holder of such certificate will be entitled to receive any such dividends or
other distributions, without any interest, which had previously become payable after the effective time with respect to the per share stock consideration that the shares of Empire common stock represented by such certificate have been converted into
the right to receive under the merger agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_73"></A>Representations and Warranties </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The representations, warranties, and covenants described below and included in the merger agreement were made only for purposes of the merger
agreement and as of specific dates, are solely for the benefit of Flushing and Empire and may be subject to limitations, qualifications or exceptions agreed upon by the parties, including those included in confidential disclosures made for the
purposes of, among other things, allocating contractual risk between Flushing and Empire rather than establishing matters as facts and may be subject to standards of materiality that differ from those standards relevant to investors. You should not
rely on the representations, warranties, covenants or any description thereof as characterizations of the actual state of facts or condition of Flushing, Empire or any of their respective subsidiaries or affiliates. Moreover, information concerning
the subject matter of the representations, warranties and covenants may change after the date of the merger agreement, which subsequent information may or may not be fully reflected in public disclosures by Flushing. The representations and
warranties and other provisions of the merger agreement and any description of these provisions should not be read alone but, instead, should be read only in conjunction with the information provided elsewhere in this proxy statement/prospectus and
in the documents incorporated by reference into this proxy statement/prospectus. Please see &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement contains customary representations and warranties of each of Flushing and Empire relating to their respective businesses.
The representations and warranties in the merger agreement do not survive the effective time of the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The representations and
warranties made by each of Flushing and Empire relate to a number of matters, including the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">corporate matters, including due organization, good standing and qualification; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">capitalization; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">corporate power and authority to execute and deliver the merger agreement and to consummate the transactions
contemplated by the merger agreement; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">94 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the enforceability of the merger agreement; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">required governmental and other regulatory filings and consents and approvals in connection with the merger;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the absence of conflicts with, or violations of, organizational documents, other contracts and applicable laws as
a result of the merger; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the timely filing and accuracy of periodic reports and other filings with the SEC and reports to regulatory
authorities; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">financial statements, internal controls, books and records and absence of undisclosed liabilities;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the absence of certain changes or events; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">legal proceedings; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">compliance with applicable laws; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">regulatory capitalization; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">broker&#146;s fees payable in connection with the merger; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the absence of actions that would prevent the first-step merger and the second-step merger, considered together,
from qualifying as a &#147;reorganization&#148; under Section 368(a) of the Code. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, the merger agreement
contains representations and warranties regarding a number of matters that are made only by Empire, including the following: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">corporate matters with respect to its subsidiaries; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">certain material contracts; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">absence of agreements with regulatory authorities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">employees, employee benefit plans and labor matters; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">intellectual property; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">tangible properties and assets; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">environmental matters; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">tax matters; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">opinion of financial advisor; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">derivative transactions; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">investment securities and commodities; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">loan matters; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">transactions with affiliates; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">insurance; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">deposits; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the <FONT STYLE="white-space:nowrap">non-applicability</FONT> of antitakeover statutes to the merger.
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement also contains a representation and warranty by Flushing regarding the reservation of sufficient
shares of Flushing common stock to be issued, and the availability of cash to be paid, to Empire shareholders upon consummation of the merger. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">95 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Many of Empire&#146;s and Flushing&#146;s representations and warranties are qualified as to
&#147;materiality&#148; or by a &#147;material adverse effect&#148; standard (that is, they will not be deemed to be untrue or incorrect unless their failure to be true or correct is material or would result in a material adverse effect on the party
making such representation or warranty). In addition, certain of the representations and warranties in the merger agreement are subject to knowledge qualifications, which means that those representations and warranties would not be deemed untrue,
inaccurate or incorrect as a result of matters of which certain officers of the party making the representation did not have actual knowledge. For purposes of the merger agreement, a &#147;material adverse effect,&#148; when used in reference to
either Flushing, Empire or the surviving corporation, means an effect which (i)&nbsp;is material and adverse to the business, assets, financial condition or results of operations of such party and its subsidiaries on a consolidated basis, or
(ii)&nbsp;materially impairs the ability of such party and its subsidiaries to consummate the transactions contemplated by the merger agreement on a timely basis, all subject to certain specified exceptions. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_74"></A>Covenants and Agreements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Conduct of Businesses Prior to the Closing of the Merger </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed that, prior to the effective time of the merger, subject to specified exceptions, it will, and it will cause Empire Bank to,
(i)&nbsp;conduct its business in the ordinary course of business, consistent with past practice and in compliance in all material respects with all applicable laws, (ii)&nbsp;use commercially reasonable efforts to maintain and preserve intact its
business organization, employees and advantageous business relationships and (iii)&nbsp;take no action that would reasonably be expected to adversely affect or materially delay its ability to perform its covenants and agreements under the merger
agreement, to consummate the merger on a timely basis or to obtain the necessary regulatory or government approvals required for the transactions contemplated by the merger agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has also agreed that, prior to the effective time of the merger, subject to specified exceptions, it will not, and will not permit
Empire Bank to, without the prior written consent of Flushing (which consent will not be unreasonably withheld, conditioned or delayed): </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">issue, sell, grant, pledge, deliver, dispose of, encumber or otherwise permit to become outstanding any
additional shares of its capital stock or any securities convertible into or exercisable or exchangeable for any shares of its capital stock, or any options, warrants or rights of any kind to acquire any shares of capital stock or any equity-based
awards or interests, except for shares of Empire common stock to be issued pursuant to the exercise of outstanding Empire warrants or equity awards; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">directly or indirectly change, adjust, split, combine, redeem, reclassify, exchange, purchase or otherwise
acquire any shares of its capital stock, any other securities convertible into or exchangeable for any shares of its capital stock or any options, warrants or other rights of any kind to acquire any shares of its capital stock;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">make, declare, pay or set aside for payment any dividend or distribution on any shares of its capital stock,
except for dividends or distributions from Empire Bank to Empire; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">except as required by the terms of any existing employee benefit plan, (i)&nbsp;increase the compensation or
benefits payable or to become payable to any current or former employee, officer, director or consultant of Empire, other than increases in base salary in the ordinary course of business consistent with past practice not to exceed 3% in the
aggregate, (ii)&nbsp;establish, adopt, enter into or amend any employee benefit plan, (iii)&nbsp;increase the compensation or benefits payable under any existing severance, termination, change in control or retention pay policy or employment or
other agreement or employee benefit plan, (iv)&nbsp;accelerate the vesting or time of payment of any equity or equity-based compensation or other compensation, (v)&nbsp;grant any awards under any bonus, incentive, performance or other compensation
plan or arrangement or employee benefit plan or (vi)&nbsp;take any action to fund any trust or similar funding vehicle in advance of the payment of compensation or benefits under any employee benefit plan; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">96 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">terminate any officer or key employee other than for cause, or hire any officer or key employee, except to fill a
vacancy that arises in the ordinary course of business at an annual salary commensurate with the employee being replaced; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">pay, loan or advance an amount exceeding $250,000 (excluding renewals of existing loans in the ordinary course of
business) to any of its officers or directors or any of their immediate family members or any of their affiliates or associates, other than compensation or business expense advancements or reimbursements in the ordinary course of business and other
than part of the terms of such person&#146;s employment or service as a director of Empire or Empire Bank, or sell, transfer or lease any assets to, or buy, acquire or lease any assets from, any of such persons; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">sell, license, lease, transfer, assign, mortgage, pledge, encumber or otherwise dispose of or discontinue any of
its rights, assets, deposits, business or properties or cancel or release any indebtedness owed to Empire or Empire Bank, except in the ordinary course of business consistent with past practice; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">acquire (other than by way of foreclosures or acquisitions of control in a bona fide fiduciary capacity or in
satisfaction of debts previously contracted, in each case in the ordinary course of business consistent with past practice) any business or any corporation, partnership, association or other business organization or otherwise acquire or agree to
acquire all or any portion of the assets, debt, business, deposits or properties of any other entity; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">make or commit to make any capital expenditures in excess of $15,000 individually or $50,000 in the aggregate;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">amend Empire&#146;s charter or bylaws or any equivalent organizational documents of Empire Bank;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">change its accounting principles, practices or methods, except as required by GAAP or applicable regulatory
accounting requirements; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">materially deviate from Empire&#146;s internal audit plan; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">amend, modify, terminate, renew or waive any material provision of any material contract, lease or insurance
policy, or make any change in any instrument or agreement governing the terms of any of its securities, other than renewals or amendments that do not result in material adverse changes of terms to Empire or Empire Bank, or enter into any material
contract; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">other than settlement of foreclosure actions or deficiency judgment settlements in the ordinary course of
business consistent with past practice, (i)&nbsp;settle any action, suit, proceeding, order or investigation to which Empire or Empire Bank is a party if such settlement would involve a payment by Empire or its subsidiaries of an amount in excess of
$25,000 individually, or $50,000 in the aggregate, and/or would impose any material restriction the business of Empire or Empire Bank, or (ii)&nbsp;waive or release any material rights or claims, or agree or consent to the issuance of any
injunction, decree, order or judgment materially restricting or otherwise affecting the business or operations of Empire and Empire Bank; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">(i) enter into any new line of business, (ii)&nbsp;introduce any material new products or services or incentive
programs or arrangements or (iii)&nbsp;make any material changes in its lending, investment, underwriting, risk and asset liability management and other banking and operating policies, its policies and practices with respect to underwriting,
pricing, originating, acquiring, selling, servicing or buying or selling rights to service loans or its hedging policies and practices, in each case except as required by applicable law; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">materially restructure or materially change its investment securities or its interest rate exposure, through
purchases, sales or otherwise, or the manner in which the portfolio is classified or reported, except as may be required by GAAP, or purchase any equity security or any security rated below investment grade; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">enter into any derivative transaction other than in the ordinary course of business consistent with past
practice; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">97 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">(i) incur, assume, modify, extend or renegotiate any indebtedness other than deposits, Federal Home Loan Bank of
New York advances and short-term advances, in each case, in the ordinary course of business, (ii)&nbsp;assume, guarantee, endorse or otherwise become responsible for the obligations of any other person or (iii)&nbsp;prepay or voluntarily repay any
subordinated indebtedness; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">(i) make any loan or extension of credit, other than in the ordinary course of business consistent with past
practice and consistent with Empire&#146;s existing written lending guidelines, (ii)&nbsp;make any unsecured commercial loan or extension of credit in excess of $1,000,000 (excluding renewals of existing commercial loans in the ordinary course of
business) and (iii)&nbsp;make any personal loans or extension of credit (exclusive of overdrafts, and excluding renewals of existing personal loans in the ordinary course of business) in excess of $250,000; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">commit any act or omission that constitutes a breach or default by Empire or Empire Bank under an agreement with
a governmental entity or under any material contract and that could reasonably be expected to result in one of the conditions precedent to the closing of the merger not being satisfied on the closing date of the merger; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">make any investment or commitment to invest in real estate or in any real estate development project other than
by way of foreclosure or make any investment or commitment to develop any real estate owned by Empire or Empire Bank; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">make, change or rescind any material tax election, change an annual tax accounting period, adopt or change any
material tax accounting method, file any amended tax return, enter into any closing agreement with respect to taxes or settle or compromise any material tax claim, audit, assessment or dispute, agree to any adjustment of any tax attribute, consent
to any extension or waiver of the limitation period applicable to any tax claim or assessment or surrender any material right to claim a refund of taxes; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">foreclose on or take a deed or title to any real estate that will become classified as other real estate owned
(other than single-family or multi-family residential properties) without first conducting a Phase I environmental site assessment, or foreclose on or take a deed or title to any such real estate if such environmental assessment indicates the
presence or likely presence of any hazardous substances under conditions that indicate an existing release, a past release or a material threat of a release of any hazardous substances into structures on the property or into the ground, ground water
or surface water of the property; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">take, or knowingly fail to take, any action that is intended or is reasonably might be expected to prevent or
impair Empire&#146;s or Empire Bank&#146;s ability to consummate the merger or the bank merger or prevent Empire or Empire Bank from consummating any of the other transactions contemplated by the merger agreement, including by adversely affecting
the ability of the parties to obtain any required regulatory approval without the imposition of a burdensome condition; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">take, or knowingly fail to take, any action that could reasonably be expected to prevent the first-step merger
and second-step merger, considered together, from qualifying as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">directly or indirectly repurchase, redeem or otherwise acquire any shares of its capital stock or any securities
convertible into or exercisable for any shares of its capital stock; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">file any application or make any contract or commitment for the opening or relocation of any, or open or relocate
any, branch office, loan production or servicing facility; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">merge or consolidate itself or Empire Bank with any other person, or restructure, reorganize or completely or
partially liquidate or dissolve itself or Empire Bank; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">compromise, resolve, or otherwise &#147;workout&#148; any delinquent or troubled loan, unless such action is in
the ordinary course of business consistent with past practice; </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">98 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">honor any overdraft in excess of $50,000 in the absence of a written agreement with the customer that legal
obligates Empire to honor the overdraft, which agreement is in existence prior to the date of the merger agreement, subject to specified exceptions; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar
governing body in support of, any of the above actions. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing has agreed that, prior to the effective time of the
merger, subject to specified exceptions, it will not, and will not permit any of its subsidiaries to, without the prior written consent of Empire (which consent will not be unreasonably withheld, conditioned or delayed): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">amend Flushing&#146;s charter in a manner that would adversely affect the economic benefits of the merger to
Empire shareholders; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">take, or knowingly fail to take, any action that is intended or reasonably might be expected to prevent or impair
the ability of Flushing or Flushing Bank to consummate the merger or prevent Flushing or Flushing Bank from consummating any of the other transactions contemplated by the merger agreement; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">take, or knowingly fail to take, any action that would reasonably be expected to prevent the first-step merger
and the second-step merger, considered together, from qualifying as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">agree to take, make any commitment to take, or adopt any resolutions of its board of directors or similar
governing body in support of, any of the above actions. </P></TD></TR></TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Regulatory Matters </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire have agreed to cooperate and use their respective reasonable best efforts to promptly prepare and file all necessary
documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents, approvals, waivers and authorizations of all third parties and governmental entities which are necessary or
advisable to consummate the transactions contemplated by the merger agreement and to comply with the terms and conditions of all such permits, consents, approvals, waivers and authorizations of all such third parties and government entities.
However, in no event will Flushing or Empire be required to make any payment to or grant any concession to any third party in connection with obtaining such permits, consents, approvals and authorizations. Flushing and Empire have also agreed to
furnish each other with all information reasonably necessary or advisable in connection with any statement, filing, notice or application to any governmental entity in connection with the merger, as well as to keep each other apprised of the status
of matters related to the completion of the transactions contemplated by the merger agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Employee Matters </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire and Empire Bank have agreed to pay, on the last day prior to the effective time of the merger, any and all obligations arising out of
the employment and change of control agreements in place with certain of its officers, unless any amounts will be subject to Section&nbsp;409A of the Code, in which case they will be transferred to a rabbi trust in accordance with the terms of such
agreement, as applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing has agreed to consult with and keep Empire&#146;s chief executive officer reasonably informed
regarding its personnel plans and decisions concerning Empire and Empire Bank developed prior to the effective time of the merger, including which employees are or are not anticipated to continue employment with Flushing or its subsidiaries after
the effective time. Flushing and Empire&#146;s chief executive officer must mutually agree upon the manner and form of any communications regarding such matters to the affected employees of Empire and Empire Bank (but no mutual agreement is required
with respect to Flushing&#146;s personnel plans and decisions concerning Empire and Empire Bank, which are in Flushing&#146;s sole discretion). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">99 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For a period of one year from and after the effective time of the merger, Flushing has
agreed to provide each employee who continues employment with Flushing or its subsidiaries, including Flushing Bank, following the effective time (to whom we refer as &#147;continuing employees&#148;) with (i)&nbsp;a rate of base salary or wages
(including commissions, if applicable) that is not less favorable than that compensation provided by Empire or Empire Bank to such continuing employee prior to the effective time and (ii)&nbsp;an annual short-term cash incentive opportunity that is
provided by Flushing to its similarly situated employees. In addition, Flushing has agreed to provide other compensation, including long-term incentive opportunities, and employee benefits that are substantially comparable in the aggregate to either
(A)&nbsp;the other compensation and employee benefits provided by Empire or Empire Bank to such continuing employee (other than those who are party to an employment, change in control or retention agreement) immediately prior to the effective time
or (B)&nbsp;the other compensation and employee benefits provided to similarly situated employees of Flushing. Flushing will not, however, have any obligation to provide similar or comparable job titles, responsibilities or duties. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing has also agreed to provide, or to cause Flushing Bank or one of its subsidiaries to provide, any continuing employee with certain
severance benefits in the event that such continuing employee is terminated during the twelve-month period following the closing date of the merger. Such severance will not take into account any reduction in compensation paid to such continuing
employee after the effective time but will take into account the continuing employee&#146;s service with Empire and Empire Bank (and any predecessor entities), and, after the closing, with Flushing and its subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All continuing employees will be incorporated into Flushing&#146;s or its subsidiaries&#146; vacation and benefits structure at the effective
time of the merger and will be immediately eligible to participate in Flushing&#146;s or its subsidiaries&#146; plans, other than any equity plans. Flushing will also use commercially reasonable efforts to: (i)&nbsp;waive all <FONT
STYLE="white-space:nowrap">pre-existing</FONT> conditions, exclusions and waiting periods with respect to participation and coverage requirements applicable to such continuing employees and their eligible dependents under any Flushing plans, except
to the extent such <FONT STYLE="white-space:nowrap">pre-existing</FONT> conditions, exclusions or waiting periods would apply under the analogous Empire benefit plan; (ii)&nbsp;provide each continuing employee and his or her eligible dependents with
credit for any deductibles paid prior to the effective time of the merger under an Empire benefit plan (to the same extent that such credit was given under the analogous Empire benefit plan prior to the effective time) in satisfying any applicable
deductible or <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> requirements under any Flushing plans; and (iii)&nbsp;recognize all service of continuing employees with Empire and Empire Bank for all
purposes in any Flushing plan to the same extent that such service was taken into account under the analogous Empire benefit plan prior to the effective time of the merger, except (A)&nbsp;to the extent that the service recognition would result in a
duplication of benefits or (B)&nbsp;for purposes of any defined benefit pension plan, retiree welfare benefit plan or any benefit plan that is frozen or provides grandfathered benefits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed, upon Flushing&#146;s request prior to the closing of the merger, that it will terminate its 401(k) plan prior to the
effective time of the merger and will provide Flushing with evidence that such plan has been terminated. The employees of Empire will thereafter be eligible to participate, effective as of the closing of the merger, in a 401(k) plan sponsored or
maintained by Flushing or one of its subsidiaries. In such case, Flushing and Empire will take any and all actions as may be required, including any amendments to either 401(k) plan to permit active employees of Empire to make rollover contributions
to the Flushing plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing, nothing in the merger agreement will confer on any employee the right to employment
or continued employment for any specified period, or level of compensation or benefits. Further, nothing in the merger agreement will limit the right of Flushing or its affiliates to terminate the employment or services of, reassign or otherwise
alter the status of any former employee of Empire or Empire Bank after the closing of the merger, or limit its ability to terminate, amend or modify any benefit or compensation plan, program, agreement or arrangement of Flushing or any of its
affiliates. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">100 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Indemnification and Insurance </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement provides that, following completion of the merger, Flushing will indemnify and hold harmless, to the fullest extent
permitted by applicable law, each current or former director or officer of Empire and its subsidiaries as of the date of the merger agreement or at any time from the date of the merger to its effective time (in each case when acting in such
capacity) against expenses, judgments, fines, losses or liabilities actually and reasonably incurred in connection with any action, suit or proceeding, whether arising before or after the effective time of the merger, arising out of the fact that
such person is or was a director or officer of Empire or any of its subsidiaries or is or was serving at the request of Empire or any of its subsidiaries as a director or officer of another person, and pertaining to matters, acts or omissions
existing or occurring at or prior to the effective time of the merger, and will also advance expenses as incurred by such persons, in each case to the same extent as such persons have the right to indemnity or expense advancement pursuant to
Empire&#146;s or its applicable subsidiary&#146;s articles of incorporation and bylaws, or comparable governing documents, in effect as of the date of the merger agreement. Any person to whom expenses are advanced must provide an undertaking to
repay such advances unless it is ultimately determined that such person is entitled to indemnification. Flushing has also agreed to use commercially reasonable efforts to maintain in effect, for a period of six years following the effective time of
the merger, insurance coverage that will contain at least the same coverage and amounts, and terms and conditions no less advantageous than, the current policy of directors&#146; and officers&#146; liability insurance maintained by Empire for
actions taken prior to the effective time of the merger. The cost of such insurance coverage may not exceed 200% of the premiums Empire paid for its current policy term. In lieu of the foregoing, Empire, in consultation with Flushing, may obtain and
fully pay for a <FONT STYLE="white-space:nowrap">six-year</FONT> &#147;tail&#148; policy with respect to such claims. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Corporate Governance Matters
</I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed to take all appropriate action so that each director and officer of Empire and Empire Bank resigns from the
positions held by such individual with Empire and Empire Bank as of the effective time of the merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Flushing Bank have
each increased the size of their board of directors to twelve members and have appointed Mr.&nbsp;Douglas&nbsp;C. Manditch as a member of such board, subject to the effectiveness of the merger. Flushing has also agreed to create an advisory board
effective as of the effective time and to appoint the current members of the Empire board (other than Mr.&nbsp;Manditch) to the advisory board. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Certain Additional Covenants </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger
agreement also contains additional covenants, including, among others, covenants relating to the filing of this proxy statement/prospectus, obtaining required consents, the listing on the NASDAQ of the shares of Flushing common stock to be issued in
the merger, access to information, litigation relating to the merger agreement or the merger, Flushing&#146;s assumption of Empire subordinated debt, exemption from takeover laws and public announcements with respect to the transactions contemplated
by the merger agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_74a"></A>Prior Empire Shareholder Approval of the Merger Agreement </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The merger agreement was approved by the requisite vote of the holders of Empire voting common stock at a special meeting of Empire held on
February 27, 2020, with 4,649,412 shares voting in favor of the merger proposal, 74,857 voting against the merger proposal and 10,000 shares abstaining with respect to the merger proposal. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">101 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_76"></A>Agreement Not to Solicit Other Offers </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed that it will not, and will cause Empire Bank and each of its and Empire Bank&#146;s respective officers, directors,
employees, agents, advisors, attorneys, accountants, consultants and other representatives (which we refer to collectively as &#147;representatives&#148;) not to, directly or indirectly: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">initiate, solicit, knowingly induce or encourage or knowingly facilitate the making of any inquiries, offers or
proposals with respect to, or which could reasonably be expected to lead to, any acquisition proposal; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">engage or participate in any negotiations with any person concerning any acquisition proposal;
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">provide or make available any confidential or nonpublic information or data to, or have any discussions with, any
person relating to any acquisition proposal, except to notify a person that has made or, to the knowledge of Empire, is making any inquiries with respect to, or is considering making, an acquisition proposal, of the existence of Empire&#146;s
obligations under the merger agreement with respect to such acquisition proposals; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">enter into any agreement with respect to any acquisition proposal or approve or resolve to approve any
acquisition proposal or any agreement relating to an acquisition proposal. </P></TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Prior to the amendment, the parties had
agreed that, prior to the adoption and approval of the merger agreement by the Empire shareholders, if Empire had received an unsolicited bona fide written acquisition proposal, it may furnish nonpublic information or data and participate in
negotiations or discussions if the Empire board concluded in good faith (after consultation with and having considered the advice of its outside financial advisor and outside legal counsel) that such acquisition proposal constituted or would
reasonably be likely to result in a superior proposal and that the failure to take such actions would constitute a violation of its fiduciary duties to the Empire shareholders under applicable law. Because the merger agreement was adopted and
approved by the Empire shareholders on February 27, 2020, the amendment clarifies that Empire may no longer take such action. See &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Agreement Not to Solicit Other Offers,&#148;
beginning on page 108. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of the merger agreement: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an &#147;acquisition proposal&#148; means any inquiry, offer or proposal (other than an inquiry, offer or
proposal from Flushing), relating to, or that could reasonably be expected to lead to, an acquisition transaction; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">an &#147;acquisition transaction&#148; means (i)&nbsp;any transaction or series of transactions involving any
merger, consolidation, recapitalization, share exchange, liquidation, dissolution or similar transaction involving Empire or Empire Bank that results in any person acquiring 20% or more of any class of equity of Empire or Empire Bank; (ii)&nbsp;any
transaction pursuant to which any third party or group acquires or would acquire, directly or indirectly, 20% or more of the consolidated assets of Empire or Empire Bank; (iii)&nbsp;any issuance, sale or other disposition of securities (or options,
rights or warrants to purchase or securities convertible into, such securities) representing 20% or more of the votes attached to the outstanding securities of Empire or Empire Bank; (iv)&nbsp;any tender offer or exchange offer that, if consummated,
would result in any third party or group beneficially owning 20% or more of any class of equity securities of Empire or Empire Bank; or (v)&nbsp;any transaction similar in form, substance or purpose to any of the foregoing transactions, or any
combination of the foregoing; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">a &#147;superior proposal&#148; means a bona fide, unsolicited written acquisition proposal that (i)&nbsp;if
consummated would result in a third party acquiring, directly or indirectly, more than 50% of the outstanding Empire common stock or more than 50% of the assets of Empire and Empire Bank, taken as a whole, for consideration consisting of cash and/or
securities and (ii)&nbsp;the Empire board reasonably determines in good faith, after consultation with its outside financial advisor and outside legal counsel, (A)&nbsp;is reasonably capable of being completed on a timely basis, taking into account
all financial, legal, regulatory and other aspects of such proposal, including all conditions contained in such proposal and </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">102 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">
the person making such proposal, and (B)&nbsp;taking into account any changes to the merger agreement proposed by Flushing in response to such acquisition proposal and all financial, legal,
regulatory and other aspects of such proposal, is more favorable to the Empire shareholders from a financial point of view than the merger. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed that it will, and will cause Empire Bank and its and Empire Bank&#146;s representatives to, immediately cease and cause to
be terminated any and all activities, discussions or negotiations with any person other than Flushing with respect to any existing or potential acquisition proposal. In addition, Empire must promptly (and in any event within 24 hours) advise
Flushing in writing if any inquiries, proposals or offers are received by, any information is requested from, or any negotiations or discussions are sought to be initiated or continued with Empire or its representatives, in each case in connection
with any acquisition proposal. Such notice must specify the name of the person initiating such discussions or making such inquiry, offer or proposal and the material terms and conditions of any proposals or offers. Empire must also keep Flushing
fully informed, on a current basis, of the status and terms of any such inquiry, proposal, offer, information request, negotiations or discussions, including any amendments or modifications to such inquiry, proposal, offer or request. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_77"></A>Conditions to Complete the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under the merger agreement, immediately prior to giving effect to the amendment, Flushing&#146;s and Empire&#146;s respective obligations to
complete the merger were subject to the satisfaction or waiver of the following conditions: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the merger agreement shall have been adopted by the requisite vote of the Empire shareholders, and such requisite
vote was obtained on February 27, 2020; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the shares of Flushing common stock that will be issued pursuant to merger agreement must be authorized for
listing on the NASDAQ, subject to official notice of issuance; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all requisite regulatory approvals must be obtained and remain in full force and effect, and all statutory
waiting periods, if any, must have expired or been terminated (and, in the case of the obligation of Flushing to complete the merger, no such requisite regulatory approval contains or has resulted in, or would reasonably be expected to result in,
the imposition of a burdensome condition); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the registration statement must have become effective, and no stop order suspending such effectiveness has been
issued, and no proceeding for that purpose has been initiated or threatened by the SEC and not withdrawn; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">no order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraint
or prohibition preventing the consummation of the merger or any of the other transactions contemplated by the merger agreement are in effect, and no statute, rule, regulation, order, injunction or decree have been enacted, entered, promulgated or
enforced by any governmental entity which prohibits or makes illegal consummation of the merger; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">each of the representations and warranties of the other party contained in the merger agreement as of October 24,
2019 and as of the closing date of the merger are true and correct, subject to the materiality standards provided in the merger agreement (and each party has received an officer&#146;s certificate from the other party to such effect);
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">each of the agreements, covenants and obligations required to be performed by the other party under the merger
agreement has been performed in all material respects (and each party has received an officer&#146;s certificate from the other party to such effect); and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">such party has received an opinion of its legal counsel to the effect that, on the basis of the facts,
representations and assumptions set forth or referred to in such opinion, the first-step merger and the second-step merger, considered together, will qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">103 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing condition regarding the receipt of tax opinions was removed by the
amendment, and the amendment also added an additional condition to Flushing&#146;s and Empire&#146;s respective obligations to complete the merger. See &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Conditions to Complete the
Merger,&#148; beginning on page 109. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s obligations to complete the merger are subject to the satisfaction or waiver of
the following additional conditions: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">since October 24, 2019, no condition, event, fact, circumstance or other occurrence has occurred that has
resulted in a material adverse effect on Empire or that would reasonably be expected to have a material adverse effect on Empire or the surviving corporation; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the employment agreement entered into by and between Thomas M. Buonaiuto and Flushing as of October&nbsp;24, 2019
continues to be effective; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the consulting agreement entered into by and between Douglas C. Manditch and Flushing as of October&nbsp;24, 2019
continues to be effective; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing has received (i)&nbsp;an affidavit issued by Empire stating that Empire is not and has not been a United
States real property holding corporation and (ii)&nbsp;a notice from Empire to the IRS in accordance with the requirements of Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.897-2(h)(2).</FONT> </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s obligations to complete the merger are subject to the satisfaction or waiver of the following additional condition: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing has furnished Empire with evidence reasonably satisfactory to Empire of the purchase of a
directors&#146; and officers&#146; liability insurance tail policy, if Empire has not elected to purchase a tail policy prior to the effective time. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither Flushing nor Empire can provide assurance as to when or if all of the conditions to the merger can or will be satisfied or waived by
the appropriate party. As of the date of this proxy statement/prospectus, neither Flushing nor Empire has reason to believe that any of these conditions will not be satisfied. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_78"></A>Termination of the Merger Agreement </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At the time the amendment was executed by the parties, the merger agreement could be terminated at any time prior to the effective time of the
merger as follows: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by the mutual written consent of Flushing and Empire; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by either party, if the approval of any governmental entity required for the merger is denied by a final, <FONT
STYLE="white-space:nowrap">non-appealable</FONT> action or an application for such approval has been withdrawn at the request of a governmental entity, or if any governmental entity of competent jurisdiction has issued a final, <FONT
STYLE="white-space:nowrap">non-appealable</FONT> order permanently enjoining or otherwise prohibiting or making illegal the consummation of the merger, unless such action was caused, or materially contributed to, by the failure of the party seeking
to terminate the merger agreement to comply with any provision of the merger agreement; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by either party, if the merger has not been consummated by the termination date of July 31, 2020, unless the
failure of the closing to have occurred by the termination date was due to a material breach of any representation, warranty, covenant or agreement by the party seeking to terminate the merger agreement, provided that if additional time is necessary
in order to obtain any governmental approval required for the merger, the termination date will be automatically extended for one additional <FONT STYLE="white-space:nowrap">two-month</FONT> period. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amendment modified the circumstances under which the merger agreement may be terminated to reflect the extended termination date of
December 31, 2020 and to account for the new Empire shareholder vote for the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">104 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
  <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
amendment proposal. See &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Termination of the Amended Merger Agreement,&#148; beginning on page 109. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_78a"></A>Termination Fee </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amendment modified the circumstances under which a termination fee is payable by Empire in connection with a termination of the merger
agreement. See &#147;Proposal No. 1: The Amendment Proposal&#151;The Amendment&#151;Termination Fee,&#148; beginning on page 110. </P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_79">
</A>Effect of Termination </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the merger agreement is terminated, it will become void and of no effect, and neither party nor their
respective subsidiaries, officers or directors will have any liability under the merger agreement except that (i)&nbsp;neither party will be relieved or released from any liabilities or damages arising out of its willful and material breach of any
provision of the merger agreement occurring prior to termination (which, in the case of Empire, includes the loss to the holders of Empire common stock of the economic benefits of the merger), and (ii)&nbsp;certain provisions of the merger agreement
will survive termination, including those relating to the payment of the termination fee and the confidential treatment of information. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_81">
</A>Expenses and Fees </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All costs and expenses incurred in connection with the merger agreement and the transactions contemplated by the
merger agreement will be paid by the party incurring the expense, except that the costs and expenses of printing and mailing this proxy statement/prospectus and all filing and other fees paid to the SEC in connection with the merger will be borne
equally by Flushing and Empire. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_82"></A>Amendment, Waiver and Extension of the Merger Agreement </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to compliance with applicable law, the merger agreement may be amended by the parties thereto at any time before or after adoption of
the merger agreement by the Empire shareholders; provided that, after the adoption of the merger agreement by the Empire shareholders, there may not be, without further approval of such shareholders, any amendment that requires further approval
under applicable law. At any time prior to the completion of the merger, the parties thereto may, to the extent legally allowed, extend the time for the performance of any of the obligations or other acts of the other party, waive any inaccuracies
in the representations and warranties contained in the merger agreement or in any document delivered pursuant to the merger agreement and waive compliance with any of the agreements or satisfaction of any conditions contained in the merger
agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83"></A>Director, Executive Officer and Large Shareholder Voting Agreements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In connection with entering into the merger agreement, Flushing entered into a voting agreement with each of Empire&#146;s directors, certain
of Empire&#146;s executive officers and Patriot (which we refer to as the &#147;voting agreements&#148;). The following summary of the voting agreements is subject to, and qualified in its entirety by reference to, the forms of voting agreements
attached as Exhibit <FONT STYLE="white-space:nowrap">A-1</FONT> and <FONT STYLE="white-space:nowrap">A-2</FONT> to the original merger agreement, a copy of which is attached as <U>Annex</U><U></U><U>&nbsp;</U><U>B</U> to this proxy
statement/prospectus. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the voting agreements, each Empire shareholder party to a voting agreement agreed to vote his or her
shares of Empire voting common stock: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">in favor of the approval of the merger agreement, as amended, supplemented or otherwise modified from time to
time; and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">in favor of each of the other actions contemplated by the merger agreement, as amended, supplemented or otherwise
modified from time to time. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">105 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The voting agreements also provide that each shareholder party to a voting agreement will
not, unless certain exceptions are met, other than pursuant to the merger: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">sell, transfer, pledge, assign or otherwise dispose of (including by gift) (each of which we refer to as
&#147;transfer&#148;), or enter into any contract, agreement, option or other arrangement (including any profit sharing arrangement) with respect to the transfer of any shares to any person regarding such shareholder&#146;s shares of Empire voting
common stock; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">enter into any voting arrangement, whether by proxy, voting agreement or otherwise, or commit or agree to take
any of the foregoing actions, regarding any of such shareholder&#146;s shares of Empire voting common stock. </P></TD></TR></TABLE>  <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">See &#147;The Special
Meeting&#151;Shares of Empire Voting Common Stock Held By Directors and Executive Officers and Certain Other Beneficial Owners; Voting Agreements&#148; on page 44. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">106 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_83a"></A>THE AMENDMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>The following describes certain aspects of the amendment, including certain material provisions of the amended merger agreement. The
following description of the amendment is subject to, and is qualified in its entirety by reference to, the amendment, the original merger agreement and amendment no. 1, a copy of each of which is attached as <U>Annex A</U>, <U>Annex B</U> and
<U>Annex C</U>, respectively, to this proxy statement/prospectus and is incorporated by reference into this proxy statement/prospectus. We urge you to read the amendment and the merger agreement carefully and in their entirety, as they are the legal
documents governing the merger. </I></P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83b"></A>Merger Consideration </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">Neither the exchange ratio nor the per share cash consideration has been altered by the amendment. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Election Procedures </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amendment
established a new time period for Empire shareholders to make their election as to the form of merger consideration they will receive in the merger. Concurrently with the mailing of this proxy statement/prospectus, Flushing will mail to each holder
of Empire common stock a form of election to permit such holder to make an election as to (i)&nbsp;the number of shares of Empire common stock with respect to which such holder desires to make a stock election and (ii)&nbsp;the number of shares of
Empire common stock with respect to which such holder desires to make a cash election. The election deadline will be 5:00 p.m. local time (in the city in which the principal office of the exchange agent is located) on the date of the special meeting
or such other date and time as Flushing and Empire mutually agree. Any valid election made by an Empire shareholder prior to the date of this proxy statement/prospectus shall remain valid unless and until such Empire shareholder, at any time before
the election deadline, changes or revokes such election as described herein. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Allocation and Proration Procedures </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The allocation and proration procedures were clarified in the amendment in order to better reflect the parties&#146; mutual intent and
understanding at the time of the merger agreement, to provide for an aggregate split of total consideration consisting of 50% Flushing common stock and 50% cash. The total number of shares of Empire common stock that will be converted into the right
to receive the per share cash consideration will equal the product of 0.5 multiplied by the number of shares of Empire common stock issued and outstanding immediately prior to the closing including, for the avoidance of doubt, all shares of Empire
common stock subject to Empire restricted stock awards that have not been forfeited and that will vest in accordance with the terms of the amended merger agreement (which number of shares of Empire common stock we refer to as the &#147;target cash
conversion number&#148;). As a result, even if an Empire shareholder makes a cash election for all of such holder&#146;s shares of Empire common stock, such Empire shareholder may nevertheless receive a mix of cash consideration and stock
consideration for such shares if the total number of shares of Empire common stock for which a cash election is made exceeds the target cash conversion number. Likewise, even if an Empire shareholder makes a stock election for all of such
holder&#146;s shares of Empire common stock, such Empire shareholder may nevertheless receive a mix of cash consideration and stock consideration in exchange for such shares if the total number of shares of Empire common stock for which a cash
election is made is less than the target cash conversion number. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83c"></A>Closing and Effective Time of the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire currently expect to complete the merger in the fourth quarter of 2020, subject to the receipt of the requisite approval of
Empire shareholders of the amendment, the receipt or waiver of regulatory approvals related to the amendment in accordance with the prior regulatory approval orders, and the satisfaction (or, where legally permissible, waiver) of other customary
closing conditions set forth in the amended merger agreement, but neither Flushing nor Empire can guarantee when, or if, the merger will be completed. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">107 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83d"></A>Covenants and Agreements </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>Certain Additional Covenants </I></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the
amendment, Empire has agreed that, upon reasonable notice and subject to applicable laws relating to the exchange of information, Empire will afford to the officers, employees, accountants, counsel and other representatives of Flushing access to the
credit files of Empire and Empire Bank and to such other information as Flushing may reasonably request. Flushing has agreed that, upon reasonable notice and subject to applicable laws relating to the exchange of information, Flushing will afford to
the officers and employees of Empire Bank access to the credit files of Flushing and Flushing Bank and to such other credit-related information as Empire may reasonably request. Empire has also agreed to participate in periodic meetings with
Flushing to discuss the status of Empire&#146;s overall credit quality and specific credits as reasonably identified by Flushing in light of the impact of the <FONT STYLE="white-space:nowrap">COVID-19</FONT> pandemic, to be held biweekly as
determined to be appropriate by Flushing, at which time Flushing has agreed to discuss the status of Flushing&#146;s overall credit quality and specific credits as reasonably identified by Empire in light of the impact of the <FONT
STYLE="white-space:nowrap">COVID-19</FONT> pandemic. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing and Empire have also agreed to recommence work on the informational systems
conversion, including Flushing&#146;s obligation to promptly reimburse Empire as provided under the amended merger agreement. Empire and Flushing have agreed to use commercially reasonable efforts to achieve the successful informational system
conversion by a target date to be set by Flushing, which is currently expected to occur in the middle of the fourth quarter in 2020. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83e">
</A>The Special Meeting and Recommendation of the Empire Board </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire has agreed in the amendment to take, in accordance with
applicable law and its charter and bylaws, all action necessary to hold a meeting of its shareholders as soon as practicable for the purpose of voting upon the adoption and approval of the amendment. The Empire board has also agreed to recommend to
the Empire shareholders that they adopt and approve the amendment and the transactions contemplated by the amendment (which we refer to as the &#147;Empire recommendation&#148;) and to use reasonable best efforts to solicit such approval from the
Empire shareholders and obtain the vote required to adopt the amendment, including by communicating such recommendation to the Empire shareholders (and including such recommendation in this proxy statement/prospectus). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If there is present at the special meeting, in person or by proxy, sufficient favorable voting power to adopt and approve the amendment,
Empire may not adjourn or postpone the meeting unless the Empire board reasonably determines in good faith, after consultation with and having considered the advice of counsel, that failure to do so would constitute a violation of its fiduciary
duties under applicable law. In addition, Empire must adjourn or postpone its shareholder meeting if there are insufficient shares of Empire voting common stock represented (either in person or by proxy) to constitute a quorum necessary to conduct
the business of such meeting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83f"></A>Agreement Not to Solicit Other Offers </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the merger agreement, prior to the approval of the merger agreement by Empire shareholder, if Empire had received an unsolicited
bona fide written acquisition proposal, it could have furnished nonpublic information or data and participated in negotiations or discussions in accordance with the fiduciary exception provided in the merger agreement. See &#147;Proposal No.&nbsp;1:
The Amendment Proposal&#151;The Merger Agreement&#151;Agreement Not to Solicit Other Offers,&#148; beginning on page 102. However, because the merger agreement was adopted and approved by Empire&#146;s shareholders on February 27, 2020, the
amendment clarifies that Empire may no longer take such actions. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amendment also provides that the Empire board shall at all
times prior to and during the special meeting make the Empire recommendation and shall not otherwise withhold, withdraw, change, qualify, amend or modify the Empire recommendation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">108 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83g"></A>Conditions to Complete the Merger </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the amendment, Flushing&#146;s and Empire&#146;s respective obligations to complete the merger are subject to the additional
conditions that: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the amendment has been adopted by the requisite vote of the Empire shareholders; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">all requisite regulatory approvals must be obtained and remain in full force and effect, which condition, in the
context of the amendment, means that the applicable regulatory approvals related to the amendment in accordance with the prior regulatory approval orders must be received or waived and remain in full force and effect; and </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">the post-effective amendment no. 2 to the registration statement must have become effective, and no stop order
suspending such effectiveness has been issued, and no proceeding for that purpose has been initiated or threatened by the SEC and not withdrawn. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In addition, pursuant to the amendment, Flushing and Empire are no longer required to receive an opinion of their respective legal counsel to
the effect that the first-step merger and the second-step merger, considered together, will qualify as a &#147;reorganization&#148; within the meaning of Section 368(a) of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither Flushing nor Empire can provide assurance as to when or if all of the conditions to the merger can or will be satisfied or waived by
the appropriate party. As of the date of this proxy statement/prospectus, neither Flushing nor Empire has reason to believe that any of these conditions will not be satisfied. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83h"></A>Termination of the Amended Merger Agreement </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the amendment, the events that could give rise to the termination of the amended merger agreement were updated as follows to
reflect the extended termination date of December&nbsp;31, 2020 and to account for the new Empire shareholder vote for the amendment proposal: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by either party, if the merger has not been consummated by the termination date of December&nbsp;31, 2020, unless
the failure of the closing to have occurred by the termination date was due to a material breach of any representation, warranty, covenant or agreement by the party seeking to terminate the amended merger agreement, provided that if additional time
is necessary in order to obtain any governmental approval required for the merger, the termination date will be automatically extended for one additional <FONT STYLE="white-space:nowrap">two-month</FONT> period; </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by either party (provided, in the case of termination by Empire, that Empire is not in breach of its obligations
under the amended merger agreement relating to the special meeting) if the requisite shareholder vote required for to approve the amendment and consummate the merger has not been obtained by reason of the failure to obtain the required vote at the
special meeting or any adjournment or postponement of such meeting; or </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">by Flushing prior to the time that the requisite Empire shareholder vote approving the amendment has been
obtained, if (i)&nbsp;the Empire board has (A)&nbsp;failed to recommend that the Empire shareholders adopt the amendment, or failed to recommend against acceptance of a tender offer or exchange offer constituting a superior proposal that has been
publicly disclosed within ten business days after the commencement of such tender or exchange offer, in any such case whether or not permitted by the amended merger agreement, (B)&nbsp;approved, adopted or endorsed a superior proposal or
(C)&nbsp;(1) withheld, withdrew, changed, qualified, amended or modified (or publicly proposed to take any of these actions), in a manner adverse in any respect to the interest of Flushing, or took any other action or made any other statement
inconsistent with, the Empire recommendation, or made any statement, filing or release inconsistent with the Empire recommendation, (2) failed to reaffirm the Empire recommendation within three business days following a request by Flushing, (3)
approved or recommended, or proposed to approve or recommend, any acquisition proposal, or (4) resolved to take, or announced an intention to take, any of the foregoing actions (each of clauses (1)-(4) being referred to as an &#147;Empire subsequent
determination&#148;), or (ii)&nbsp;Empire or the Empire board has breached its obligations under the amended merger agreement with respect to the special meeting or with respect to <FONT STYLE="white-space:nowrap">non-solicitation</FONT> of offers
or acquisition proposals. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">109 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_83i"></A>Termination Fee </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The amendment updated the circumstances under which a termination of the merger agreement would require Empire to pay a termination fee to
Flushing in the amount of $3.3&nbsp;million, which circumstances are now as follows: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if, prior to the termination of the amended merger agreement, a bona fide acquisition proposal has been made
known to senior management of Empire or has been made directly to Empire shareholders generally or any person has publicly announced and not withdrawn an acquisition proposal with respect to Empire and (a)(i) thereafter the amended merger agreement
is terminated by either Flushing or Empire because the merger has not been completed prior to the termination date, or because Empire has failed to obtain the required approval of the amendment at the special meeting or any adjournment or
postponement of such meeting or (ii)&nbsp;thereafter the amended merger agreement is terminated by Flushing as a result of a breach of the amended merger agreement by Empire that would constitute the failure of a closing condition and that has not
been cured during the permitted time period, or by its nature cannot be cured during such period, and (b)&nbsp;prior to the date that is twelve months after the date of such termination, Empire enters into a definitive agreement or consummates a
transaction with respect to an acquisition proposal (whether or not the same acquisition proposal as that referred to above), then Empire will, on the earlier of the date it enters into such definitive agreement and the date of consummation of such
transaction, pay Flushing, by wire transfer of <FONT STYLE="white-space:nowrap">same-day</FONT> funds, a fee equal to $3.3&nbsp;million (which we refer to as the &#147;termination fee&#148;) (provided that for purposes of the foregoing, all
references in the definition of acquisition proposal to &#147;20%&#148; will instead refer to &#147;50%&#148;); and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">if the amended merger agreement is terminated by Flushing because (i)&nbsp;the Empire board failed to recommend
that the Empire shareholders adopt the amendment, or failed to recommend against acceptance of a tender or exchange offer constituting a superior proposal within ten business days after the commencement of such offer, has approved, adopted or
endorsed a superior proposal or has made an Empire subsequent determination or (ii)&nbsp;Empire or the Empire board breached its obligations with respect to the special meeting or with respect to the
<FONT STYLE="white-space:nowrap">non-solicitation</FONT> of acquisition proposals, then Empire will pay Flushing, by wire transfer of <FONT STYLE="white-space:nowrap">same-day</FONT> funds, the termination fee on the date of termination.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">110 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_84"></A>INFORMATION ABOUT FLUSHING </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing is a Delaware corporation and a registered bank holding company organized in 1994. Flushing&#146;s primary business is the operation
of Flushing Bank. The activities of Flushing are primarily funded by dividends, if any, received from Flushing Bank, issuances of subordinated debt and junior subordinated debt, and issuances of equity securities. Flushing Bank was organized in 1929
as a New York state-chartered mutual savings bank. Today Flushing Bank operates as a full-service New York state-chartered commercial bank. Flushing Bank owns three subsidiaries: Flushing Preferred Funding Corporation, Flushing Service Corporation,
and FSB Properties Inc. Flushing Bank also operates an internet branch, which operates under the brands of iGObanking.com<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP> and
BankPurely<SUP STYLE="font-size:85%; vertical-align:top">&reg;</SUP>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing Bank&#146;s principal business is attracting retail
deposits from the general public and investing those deposits, together with funds generated from ongoing operations and borrowings, primarily in (i)&nbsp;originations and purchases of multi-family residential properties, commercial business loans,
commercial real estate mortgage loans and, to a lesser extent, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">one-to-four</FONT></FONT> family (focusing on <FONT STYLE="white-space:nowrap">mixed-use</FONT> properties, which are
properties that contain both residential dwelling units and commercial units); (ii) construction loans; (iii)&nbsp;Small Business Administration loans; (iv)&nbsp;mortgage loan surrogates such as mortgage-backed securities; and (v)&nbsp;U.S.
government securities, corporate fixed-income securities and other marketable securities. Flushing also originates certain other consumer loans, including overdraft lines of credit. At June 30, 2020, Flushing had total assets of $7.2&nbsp;billion,
deposits of $5.0 billion and stockholders&#146; equity of $571.9 million. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s principal executive offices are located at
220 RXR Plaza, Uniondale, New York 11556, and its telephone number at that location is (718) <FONT STYLE="white-space:nowrap">961-5400.</FONT> Additional information about Flushing and its subsidiaries is included in documents incorporated by
reference into this proxy statement/prospectus. Please see &#147;Where You Can Find More Information,&#148; beginning on page 127. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In March 2020, the World Health Organization recognized the outbreak of COVID-19 as a pandemic. The spread of COVID-19 has created a global
public health crisis that has resulted in unprecedented uncertainty, volatility and disruption in financial markets and in governmental, commercial and consumer activity in the United States and globally, including the markets Flushing serves. In
response to the pandemic, the government issued orders to shelter in place and maintain social distancing and closed businesses that were not deemed essential. Flushing responded to the pandemic with new health and safety measures, including social
distancing, appointment banking and utilization of recently enhanced Flushing remote capabilities. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">During these tumultuous times,
Flushing is actively assisting its customers by providing short-term forbearances in the form of deferrals of interest, principal and/or escrow for terms ranging from one to six months. At June 30, 2020, Flushing has 808 active forbearances for
loans with an aggregate outstanding loan balance of approximately $1.3 billion of which 82% is in Flushing&#146;s real estate portfolio and 18% is in Flushing&#146;s business banking portfolio. Given the pandemic and current economic environment,
Flushing continues to work with its customers to modify loans. Flushing actively participated in the PPP, closing $93.2 million of these loans through June 30, 2020. Flushing is also participating in the Main Street Lending Program and the FHLBNY
Small Business Recovery Grant Program, helping Flushing&#146;s customers and communities navigate through the current environment. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_85">
</A>INFORMATION ABOUT EMPIRE </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire is a New York corporation and registered bank holding company, headquartered in Islandia, New York, and the sole shareholder of Empire
Bank, a national banking association. Empire has no material business operations at the holding company level other than owning and managing Empire Bank. Empire Bank commenced banking operations on February&nbsp;25, 2008 and offers a broad range of
commercial and consumer </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">111 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
banking services to small and <FONT STYLE="white-space:nowrap">mid-sized</FONT> businesses, professional practices, municipalities and <FONT STYLE="white-space:nowrap">non-profit</FONT>
organizations, as well as their owners, managers and employees, through a network of four full-service banking offices in Islandia, Shirley, Port Jefferson Station and Mineola, New York. As of June&nbsp;30, 2020, Empire had consolidated total assets
of&nbsp;$1.1 billion, net loans of $690.2 million, total deposits of $933.1 million and total shareholders&#146; equity of&nbsp;$89.0 million. Empire does not file reports with the SEC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire&#146;s principal executive offices are located at 1707 Veterans Highway, Islandia, New York 11749, and its telephone number at that
location is (631) <FONT STYLE="white-space:nowrap">348-4444.</FONT> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Although the COVID-19 pandemic has resulted in significant
disruptions to business activity in markets served by Empire, Empire has been active in its response to its customers, employees and communities. Empire has implemented a number of key operational initiatives in response to the pandemic, which have
included activating pandemic response initiatives to keep all offices open, with all drive-throughs and walk ups fully operational, while placing certain limitations on physical access to branch lobbies; enhancing and activating remote capabilities
for off-site work by employees and initiating staff rotation schedules to mitigate business continuity risks; practicing social distancing with both customers and employees working in the company&#146;s offices; limiting work-related travel;
evaluating the potential for loan impairment within its portfolio; tracking pandemic impacted relationships and general economic conditions in its markets; monitoring and evaluating the varying governmental responses to the pandemic on the business
of the bank and its customers; and enhancing its liquidity position and funding sources to support current and future customer needs. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In
addition, Empire has been active in serving the needs of customers impacted by COVID-19 in a variety of ways. Empire has assisted numerous customers through the grant of loan deferral and modification agreements. As of June 30, 2020, deferral
arrangements with respect to 165 loans totaling $209.8 million in aggregate principal amount were outstanding, down from a high of 175 loans totaling $220.1 million in aggregate principal amount during the second quarter of 2020. In addition, Empire
was an active lender in the PPP, closing on 254&nbsp;PPP loans with an aggregate principal amount of $60.0 million during the second quarter of 2020. Empire is also participating in the FHLBNY Small Business Recovery Grant Program and has assisted
customers secure grants thereafter. In light of the ongoing impact of the COVID-19 pandemic, Empire expects to continue its activities in support of its customers and communities through loan deferrals and modifications, governmental assistance
programs and other measures for the foreseeable future. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Products and Services </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire Bank is engaged in substantially all of the business operations customarily conducted by independent financial institutions in New York,
including the acceptance of checking, savings and certificates of deposits and the making of commercial and consumer loans, real estate loans, and other installment and term loans. The terms of these loans vary by purpose and by type of underlying
collateral, if any. The bank does a substantial amount of business with individuals, as well as with customers in small to <FONT STYLE="white-space:nowrap">medium-sized</FONT> commercial, industrial and professional businesses. For the convenience
of its customers, Empire Bank offers drive through banking facilities, automated teller machines, internet banking and safe deposit boxes. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Deposits represent Empire Bank&#146;s primary source of funds to support its earning assets. Empire Bank offers traditional depository
products, including checking, savings, money market and certificates of deposit with a variety of rates. It also provides banking services to public municipalities, including counties, cities, towns, villages, school districts, libraries and fire
districts. Deposit products are structured to be competitive with rates, fees, and features offered by other local institutions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">112 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Competition </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire operates from four banking offices in Suffolk and Nassau Counties, New York. The table below summarizes certain information regarding
its operations in each of these markets and its market share, as of June&nbsp;30, 2019, the most recent date such information is available. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="58%"></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>&nbsp;Market</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Market<BR>Rank</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Branch<BR>Count</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Deposits&nbsp;In<BR>Market&nbsp;($)<BR>(in&nbsp;thousands)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Market<BR>Share&nbsp;(%)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Suffolk County</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">916,281</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;Nassau County</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,779</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.01</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The markets in which Empire operates are highly competitive. In addition to competing with other commercial
banks within and outside its primary service area, Empire competes with other financial institutions engaged in the business of making loans or accepting deposits, such as savings and loan associations, credit unions, industrial loan associations,
insurance companies, small loan companies, financial companies, mortgage companies, real estate investment trusts, certain governmental agencies, credit card organizations and other enterprises. Banks and other financial institutions with which
Empire competes may have capital resources and legal loan limits substantially higher than those maintained by Empire. Many of Empire&#146;s competitors have greater resources, have broader geographic markets, have higher lending limits than those
maintained by Empire, and many of Empire&#146;s <FONT STYLE="white-space:nowrap">non-bank</FONT> competitors have fewer regulatory constraints and may have lower cost structures. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Employees </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">As of June 30, 2020, Empire
had approximately 63 full-time equivalent employees. None of Empire&#146;s employees are covered by a collective bargaining agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Information
About Empire&#146;s Properties </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire leases its principal executive offices (which include a full-service branch), which are located
at 1707 Veterans Highway, Islandia, New York 11749. Empire&#146;s other locations are set forth in the table below. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="75%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; "><B>&nbsp;Location</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Type</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Leased/<BR>Owned</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;4747 Nesconset Highway Unit 36, Port Jefferson Station, NY 11766</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="white-space:nowrap">Full-service&nbsp;branch</FONT></TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Leased</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;1044 William Floyd Parkway, Shirley, NY 11967</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Full-service branch</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Leased</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#e5e5e5" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">&nbsp;1700 Old Country Road, Suite 1WA, Mineola, NY 11501</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Full-service branch</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">Leased</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Legal Proceedings </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">From time to time, Empire or Empire Bank may become a party to various litigation matters incidental to the conduct of its business. Neither
Empire nor Empire Bank is presently a party to any legal proceeding the resolution of which, in the opinion of Empire&#146;s management, would be expected to have a material adverse effect on Empire&#146;s business, operating results, financial
condition or prospects. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">113 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_86"></A>DESCRIPTION OF FLUSHING CAPITAL STOCK </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><I>As a result of the merger, Empire shareholders who receive shares of Flushing common stock in the merger will become shareholders of
Flushing. The rights of holders of Flushing common stock will be governed by Delaware law, Flushing&#146;s charter and bylaws and federal law governing bank holding companies, in each case, as may be amended and in effect from time to time. Since
the terms of Flushing&#146;s charter and bylaws, and Delaware corporate law and federal law governing bank holding companies, are more detailed than the general information provided below, you should read the applicable provisions of Delaware
corporate law, Flushing&#146;s charter and bylaws and federal law governing bank holding companies carefully and in their entirety. Copies of Flushing&#146;s charter and bylaws have been filed with the SEC. To find out where copies of these
documents can be obtained, please see &#147;Where You Can Find More Information,&#148; beginning on page&nbsp;127. </I></P>  <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>General </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing&#146;s charter provides that it may issue up to 105,000,000 shares of capital stock, consisting of 100,000,000 shares of common stock,
par value $0.01 per share, and 5,000,000 shares of preferred stock, par value $0.01 per share. As of [&#9679;], 2020, the latest practicable trading day before the date of this proxy statement/prospectus, there were [&#9679;] shares of Flushing
common stock outstanding. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing is a Delaware corporation governed by the DGCL. Under Delaware law, shareholders generally are not
responsible for a corporation&#146;s debts or obligations. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Common Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The holders of Flushing common stock, subject to the provisions of Flushing&#146;s bylaws and the DGCL relating to the fixing of a record date,
are entitled to one vote for each share of common stock held on all matters submitted to a vote of shareholders. There is no cumulative voting for election of directors. In uncontested elections, director nominees must be elected by the majority of
votes cast at the annual meeting of shareholders. Incumbent directors who fail to receive a majority of votes&#151;and who would otherwise remain in office until a successor is elected under Delaware law&#151;are required to offer a letter of
resignation for consideration by the Flushing board. Plurality voting applies if the number of nominees exceeds the number of open director positions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Holders of Flushing&#146;s common stock vote together as a single class, except as otherwise provided by law. Holders of shares of
Flushing&#146;s common stock have no preemptive rights, conversion rights or other subscription rights. There are no redemption or sinking fund provisions applicable to the common stock. All shares of common stock will, when issued, be fully paid
and <FONT STYLE="white-space:nowrap">non-assessable.</FONT> </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Dividends </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the DGCL and the rights of holders of any outstanding preferred stock, holders of Flushing common stock will be entitled to share
dividends equally, share for share. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Certain Effects of Authorized but Unissued Stock </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing has shares of common stock and preferred stock available for future issuance without shareholder approval. Flushing may utilize these
additional shares for a variety of corporate purposes, including future public offerings to raise additional capital, facilitating corporate acquisitions or paying a dividend on the capital stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The existence of unissued and unreserved common stock and preferred stock may enable the Flushing board to issue shares to persons friendly to
current management or to issue preferred stock with terms that could render more difficult or discourage a third party attempt to obtain control of our company by means of a merger, tender </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">114 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
offer, proxy contest or otherwise, thereby protecting the continuity of our management. In addition, if Flushing issues preferred stock, the issuance could adversely affect the voting power of
holders of common stock and the likelihood that such holders will receive dividend payments and payments upon liquidation. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Certain Provisions
Affecting Change in Control </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Certain provisions of Flushing&#146;s certificate of incorporation and bylaws, Flushing Bank&#146;s
federal stock charter and bylaws, certain federal regulations and provisions of the DGCL, and certain provisions of remuneration plans and agreements applicable to employees and officers of Flushing Bank may have anti-takeover effects by
discouraging potential proxy contests and other takeover attempts, particularly those which have not been negotiated with the Flushing board. Applicable regulatory restrictions may also prevent or inhibit the acquisition of a controlling position in
Flushing common stock and may prevent or inhibit takeover attempts that certain shareholders may deem to be in their or other shareholders&#146; interest or in Flushing&#146;s interest, or in which shareholders may receive a substantial premium for
their shares over then current market prices. These provisions may also increase the cost of, and thus discourage, any such future acquisition or attempted acquisition, and would render the removal of the current Flushing board or management more
difficult. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Transfer Agent and Registrar </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Computershare Trust Company, N.A., P.O. Box 30170, College Station, TX 77842-3170, is the transfer agent and registrar of Flushing common
stock. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Preferred Stock </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Flushing
board is authorized the issuance of up to 5,000,000 shares of preferred stock, par value $0.01, in one or more series, without shareholder action. The Flushing board can fix the voting powers (if any) and designations, preferences and relative,
participating, optional or special rights of each series. Therefore, without shareholder approval, the Flushing board can authorize the issuance of preferred stock with voting, dividend, liquidation and conversion and other rights that could dilute
the voting power of the common stock and may assist management in impeding any unfriendly takeover or attempted change in control. No preferred stock is currently outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For more information regarding the rights of holders of Flushing common stock, please see &#147;Comparison of Shareholder Rights,&#148;
beginning on page&nbsp;117.<B> </B> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">115 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_87"></A>PROPOSAL NO.&nbsp;2 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE ADJOURNMENT PROPOSAL </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_88">
</A>General </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If, at the special meeting, the number of shares of Empire voting common stock present or represented and voting in favor
of the amendment proposal is insufficient to approve the amendment proposal, Empire intends to move to adjourn the special meeting in order to enable the Empire board to solicit additional proxies to approve the amendment proposal. In that event,
Empire will ask the holders of Empire voting common stock to vote only upon the adjournment proposal, and not the amendment proposal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In
this proposal, Empire is asking its shareholders to grant discretionary authority to the person(s) designated as the proxy holder stated in the proxy card to move to adjourn the special meeting if the number of shares voting for approval of the
amendment proposal is not sufficient to approve that proposal at the special meeting. If holders of Empire voting common stock approve the adjournment proposal, Empire could adjourn the special meeting and use the additional time to solicit
additional proxies, including the solicitation of proxies from Empire shareholders who have previously voted. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the special meeting is
adjourned so that the Empire board can solicit additional proxies to approve the amendment proposal, Empire is not required to give any notice of the adjourned meeting other than an announcement of the place, date and time provided at the special
meeting. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Vote Required </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Approval of
the adjournment proposal requires the affirmative vote of at least a majority of the votes cast at the special meeting by the holders of shares of Empire voting common stock. Abstentions and broker <FONT STYLE="white-space:nowrap">non-votes</FONT>
will have no effect on the vote with respect to the adjournment proposal. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><A NAME="rom922344_89"></A>Recommendation of the Empire Board </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>The Empire board unanimously recommends that the holders of Empire voting common stock vote &#147;FOR&#148; the adjournment proposal.
</B></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">116 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_90"></A>COMPARISON OF SHAREHOLDER RIGHTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Upon completion of the merger, holders of Empire common stock will become holders of Flushing common stock. Flushing is incorporated in
Delaware and is subject to the DGCL, and Empire is incorporated in New York and is subject to the NYBCL. The rights of Empire shareholders who receive shares of Flushing common stock in exchange for their shares of Empire common stock will be
governed by Flushing&#146;s charter and bylaws, as well as the rules and regulations applying to public companies. </P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following
discussion summarizes material similarities and differences between the rights of holders of Flushing common stock and of Empire shareholders and is not a complete description of all of the differences. This discussion is qualified in its entirety
by reference to the governing corporate documents of Flushing and Empire and applicable law, each as amended from time to time. To find out where copies of the governing corporate documents of Flushing can be obtained, please see &#147;Where You Can
Find More Information,&#148; beginning on page&nbsp;127. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3" ALIGN="center"><B>Authorized Capital Stock</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing is authorized under its certificate of incorporation to issue 105,000,000 shares, consisting of 100,000,000 shares of Flushing
common stock and 5,000,000 shares of Flushing preferred stock.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">As of the latest
practicable trading day before the date of this proxy statement/prospectus, there were [&#9679;] shares of Flushing common stock and no shares of Flushing preferred stock issued and outstanding.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Empire&#146;s authorized capital stock consists of 100,000,000 shares of voting common stock, 20,000,000 shares of nonvoting common stock and 30,000,000 shares of preferred stock.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dividends</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">The Flushing board may, subject to the provisions of the Flushing preferred stock, declare and pay dividends on the shares of Flushing common stock as may be declared by the Flushing board out of any legally available funds.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The Empire board may declare and Empire may pay dividends on its outstanding shares in cash, property or shares of Empire in accordance with applicable law.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Number of Directors;
Classification</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing&#146;s bylaws provide that the number of directors is the number fixed from time to time by resolution adopted by a majority of the
entire board. The term &#147;entire board&#148; means the total number of directors Flushing would have if there were no vacancies on the Flushing board.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">The Flushing board is divided into three classes of directors. The members of each class will be elected for a term of three years and only one class of
directors are elected annually. Thus, it would take at least 2 annual elections to replace a majority of the Flushing board.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The number of directors of Empire will consist of not less than 5 persons, the exact number to be fixed and determined from time to time by
the Empire board.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">The Empire board is divided into three classes as nearly equal in
number as possible. The members of each class are elected for a term of three years, with only one class of directors elected annually. Thus, it would take at least 2 annual elections to replace a majority of the Empire
board.</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">117 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Election of Directors; Vacancies; Cumulative Voting</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s bylaws provide that each shareholder is entitled to one vote for each share of stock registered in the shareholder&#146;s name. Newly created directorships resulting from an increase in the number of directors and
vacancies are elected to the Flushing board by the affirmative vote of a majority of the directors, although less than a quorum exists, or by a sole remaining director. Directors are elected by a majority of the votes cast at any meeting of
shareholders for which the number of shares voted &#147;for&#148; a director exceeds the number of votes cast &#147;against&#148; that director.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Each shareholder has one vote for every share of stock entitled to vote and registered in the shareholder&#146;s name. Directors are elected by a majority of votes cast, in an uncontested election of directors, and by a plurality of
votes cast, in a contested election of directors, although any vacancy occurring on Empire&#146;s board, including a vacancy as a result of a newly created directorship, may be filled by a majority of the remaining directors then in office, even
though less than a quorum, or by the shareholders, except that a vacancy created by reason of a removal of a director without cause may be filled only by the shareholders. Cumulative voting in the election of directors is not permitted.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Removal of Directors</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s certificate of incorporation provides that a director may be removed from office during the term of such office but only upon a showing of cause, such removal to be by affirmative vote of the holders of at least 80%
of the voting power of all of Flushing&#146;s then outstanding common stock entitled to vote.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Any director may be removed at any time, with or without cause, at any meeting of the shareholders, by the affirmative vote of a majority of the outstanding shares entitled to vote.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Call of Special Meeting of
Directors</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">A special meeting of the Flushing board of may be held at any time or place whenever called by the chairman of the Flushing board, the<B> </B>president or by a majority of the directors in office at the time. Notice of special
meetings must be given to each director either by first class mail at least 3 days before the special meeting or by telecopy, personal written delivery or telephone at least 1 day before the special meeting.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">A special meeting of the Empire board may be called by the Chairman, the Chief Executive Officer, the President or a majority of directors then in office. Notice of the place, date, time and purpose of each special meeting of the
Empire board must be given to each director not less than two days before the meeting.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Call of Special Meetings of
Shareholders</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing&#146;s bylaws provide that a special meeting of shareholders may only be called by the Flushing board, acting by not less than a
majority of the entire board, to be held at such date, time and place as is specified by the Flushing board.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">The term &#147;entire board&#148; means the total number of directors Flushing would have if there were no vacancies on the Flushing board.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">A special meeting of the shareholders may be called by the Chairman, Chief Executive Officer, President or the Empire board and will be called by the Empire board upon the written request of the holders of not less than 25% of all
shares entitled to vote at the meeting.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Notice of Shareholder
Meetings</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s bylaws provide that Flushing must provide written notice of every meeting of the shareholders</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Written notice of a meeting of shareholders stating the place, date and time of the meeting and, in the</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">118 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">detailing the time, date and the place of the meeting and, in the case of a special meeting, the purpose thereof, to each shareholder entitled to vote not less than 10 nor more than 60 dates before the date of the meeting.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">case of a special meeting, the purpose or purposes for which the meeting is called, will be given not less than 10 nor more than 60 days before the date of the meeting, by or at the direction of the Chief Executive Officer, the
President, the Secretary, or a designee of any of the foregoing, to each shareholder of record entitled to vote at such meeting.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Shareholder Action by Written
Consent</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Section&nbsp;228 of the DGCL provides that unless otherwise provided in a corporation&#146;s certificate of incorporation, any action that may be taken at a meeting of shareholders may be taken without a meeting by written consent
of the holders of the outstanding shares of stock having not less than the minimum number of votes that would be necessary to authorize such action.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Any action that may be taken at any annual or special meeting of shareholders may be taken without a meeting, without prior notice, and without a vote, if a consent or consents in writing, setting forth the action so taken, will
have been signed by the holder or holders of such shares having not less than the minimum number of votes that would be necessary to take such action a meeting at which the holders of all shares entitled to vote on such action were present and
voting.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Quorum of Shareholders</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s bylaws provide that except where otherwise provided by law or Flushing&#146;s certificate of incorporation, the holders of a majority of the shares entitled to vote, in person or by proxy, constitutes a quorum.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The holders of a majority of the shares entitled to vote, present in person or represented by proxy, constitutes a quorum for the transaction of business at all meetings of shareholders.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Limitation on Director
Liability</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s certificate of incorporation provides for a limitation on a director&#146;s liability for a breach of fiduciary duty as a director, except for liability (i)&nbsp;for any breach of the director&#146;s duty of loyalty
to Flushing, (ii)&nbsp;for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (iii)&nbsp;under Section&nbsp;174 of the DGCL, or (iv)&nbsp;for any transaction from which the director derived an
improper personal benefit.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">No director will have any personal liability to Empire or its shareholders for damages for any breach of duty in such capacity, subject to certain exceptions.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Indemnification of Directors and
Officers</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Under Section&nbsp;145 of the DGCL, a corporation may indemnify its directors, officers, employees or agents (or a person who is or was serving at the request of the corporation as a director, officer, employee or agent of another
corporation, partnership, joint venture, trust or other enterprise) against expenses (including attorneys&#146; fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by the person if he or</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Empire&#146;s charter provides that Empire will indemnify, to the fullest extent permitted under the NYBCL, each person who was or is made a party or is threatened to be a made a party to or is involved in any action, suit or
proceeding by reason of the fact that he or she, or a person of whom he or she is the legal representative, is or was a director or officer of Empire or is or was serving at the request of Empire as a director,
officer,</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">119 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">she acted in good faith and in a manner he or she reasonably believed to be in or not opposed to the best interests of the corporation and,
with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Flushing&#146;s certificate of incorporation provides that Flushing will indemnify, to the fullest extent permitted under the DGCL, any person who is or was or
has agreed to become a director or officer of Flushing against costs, penalties, expenses, judgments, fines and amounts paid in settlement incurred by such person. The certificate of incorporation also provides that Flushing shall indemnify such
persons to be paid in advance for their expenses to the extent permitted by Delaware law.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">employee or agent of another corporation or of a partnership, joint venture, trust or other enterprise, whether the basis of such proceeding is alleged action or inaction in an official capacity as a director, officer, employee or
agent or in any other capacity while serving as a director, officer, employee or agent, against all expense, liability and loss reasonably incurred by such person in connection therewith; except that, with limited exceptions, Empire will indemnify
any such person seeking indemnification in connection with a proceeding initiated by such person only if such proceeding was authorized by the Empire board. Empire&#146;s charter also provides for the advancement of expenses, subject to an
undertaking, by or on behalf of such director or officer, to repay all amounts so advanced if it is ultimately determined that such director or officer is not entitled to indemnification.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Nomination of Director Candidates of
Shareholders</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s bylaws provide that, for nominations for the election of directors to be properly brought before an annual meeting by a shareholder, the shareholder must have given timely notice thereof in writing to the secretary.
To be timely, the nominating shareholder must deliver written notice to Flushing&#146;s secretary not less than 60 days nor more than 90 days prior to the first anniversary of the preceding year&#146;s annual meeting. If the date of the annual
meeting is advanced by more than 30 days, however, notice by the shareholder must be delivered by the earlier of the 10th day before such annual meeting and the close of business on the 10th day after the public announcement is first made of the
date of such meeting. For any election to be held at a special meeting of shareholders, notice by the shareholder must be delivered not later than the close of business on the 10th day following a public announcement of the date of the meeting.</TD>

<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Nominations for the election of directors may only be made (i)&nbsp;by the Board of Directors or a committee appointed by the Board or (ii)&nbsp;by a shareholder entitled to vote at the meeting who complies with certain notice
procedures set forth in the bylaws, including providing notice not less than 120 and not more than 150 days prior to the anniversary of the prior year&#146;s annual meeting, subject to certain exceptions.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Shareholder Proposals</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s bylaws provide that all business properly brought before an annual meeting or a special meeting is deemed properly brought if it is, in the case of an annual meeting, brought before the meeting by a shareholder of
record present and entitled to vote at such meeting, upon prior written notice transmitted to, and received by, the secretary of Flushing at the principal place of business of Flushing not more than 90 days nor less than 60 days prior to the
anniversary</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Proposals made by shareholders must be submitted in writing to Empire not less than 120, and not more than 150, days prior to the anniversary of the prior year&#146;s annual meeting, subject to certain exceptions, and must comply
with certain requirements as to form set forth in the bylaws.</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">120 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">of the date of the immediately preceding annual meeting which was specified in the initial formal notice of such meeting (but if the date of the forthcoming annual meeting is more than 30 days after such anniversary date, such
written notice will also be timely if received by the secretary by the earlier of (i)&nbsp;the 10th day prior to the forthcoming meeting date and (ii)&nbsp;the close of business on the 10th day following the date on which Flushing first makes public
disclosure of the meeting date).</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Appointment and Removal of
Officers</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Flushing board elects a chairman of the board, a president, a treasurer and a secretary and may also include a vice chairman of the
board, one or more vice presidents, a controller, assistant vice presidents, assistant treasurers, assistant secretaries, assistant controllers, and other officers and agents as the Flushing board deems necessary. The Flushing board may, from time
to time, authorize any officer to appoint and remove any other officer and to prescribe such person&#146;s authority and duties. Each officer will hold office for the term for which elected or appointed by the Flushing board; and until the
person&#146;s successor is elected or appointed and qualified or until her or his earlier<B> </B>resignation or removal.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">The Flushing board may remove any officer with or without cause. The election or appointment of an officer will not of itself create contractual
rights.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The officers of Empire may be appointed by the Empire board, Chief Executive Officer or President, or in any manner provided by any of them, and may be removed at any time, with or without cause, by the Empire board, Chief Executive
Officer or President, except for the Chairman, any Vice Chairman, the Chief Executive Officer or the President, who may be removed only by the Empire board.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Amendment of Bylaws</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s certificate of incorporation provides that the bylaws may be adopted, altered, amended or repealed by a vote of the Flushing board or by <FONT STYLE="white-space:nowrap">two-thirds</FONT> of the outstanding shares
of&nbsp;capital stock entitled to vote for directors, other than shares beneficially owned by a person or entity in excess of 10% of the then outstanding shares of common stock.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">The bylaws may be amended by a vote of a majority of the entire Empire board or by the shareholders by a vote of a majority of the votes cast at such meeting.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Amendment of Charter</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s certificate of incorporation provides that the affirmative vote of the holders of at least 80% of the outstanding shares of capital stock entitled to vote will be required to modify provisions relating to the
following articles: amendments to the certificate of incorporation, limitation on the voting rights of shareholders, adoption, alteration, amendment, or</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">An amendment to Empire&#146;s charter must be authorized by the Empire board, together with a vote of a majority of all outstanding shares entitled to vote thereon at a meeting of shareholders, subject to certain
exceptions.</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">121 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">repeal of the bylaws, business combinations with interested shareholders or affiliates or associates of interested shareholders, calling of special meetings of shareholders, structure of the Flushing board and special meetings,
bylaws and indemnification rights.</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Dissenters&#146; Rights of
Appraisal</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Section&nbsp;262 of the DGCL provides that a shareholder has the right to receive a judicial appraisal of the fair value of his or her shares
if the shareholder has neither voted in favor of nor consented in writing to a merger or consolidation.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Unless a corporation&#146;s certificate of incorporation provides otherwise, these appraisal rights are not available:</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;with respect to the sale,
lease or exchange of all or substantially all of the assets of the corporation;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;with respect to a merger or consolidation by a corporation the shares of which either are listed
on a national securities exchange or are held of record by more than 2,000 holders, if the terms of the merger or consolidation allow the shareholders to receive only shares of the surviving corporation or shares of any other corporation that either
are listed on a national securities exchange or are held of record by more than 2,000 holders, plus cash in lieu of fractional shares; or</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;to shareholders of the corporation surviving a merger if no vote of the shareholders of the
surviving corporation is required to approve the merger and if certain other conditions are met.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Neither the certificate of incorporation nor the bylaws of Flushing grants appraisal rights in addition to those provided by the DGCL.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The NYBCL provides that a stockholder of a New York corporation has the right, following compliance with certain procedures, to receive
payment of the fair value of its shares if the stockholder has the right to vote and does not assent to, among other actions, a merger or consolidation to which the corporation is a party. For additional information regarding the dissenters&#146;
rights provisions of the NYBCL, please see &#147;Proposal No.&nbsp;1: The Amendment Proposal&#151;The Merger and the Amendment&#151;Dissenters&#146; Rights,&#148; beginning on page 78.</P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Neither Empire&#146;s charter nor its bylaws grant appraisal rights in addition to
those provided by the NYBCL.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Votes Required for Certain
Transactions</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Flushing&#146;s certificate of incorporation provides that any &#147;business combination&#148; (as defined below) involving Flushing and an interested shareholder must be approved by the holders of at least 80% of the voting power
of the outstanding shares of stock entitled to vote and by an affirmative vote of the holders of</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Section&nbsp;912 of the NYBCL provides that certain &#147;business combinations&#148; with &#147;interested shareholders,&#148; each as defined in the NYBCL, are subject to heightened voting requirements and other substantive
conditions. However, these provisions do not apply to Empire because Empire does not have a</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">122 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">two-thirds</FONT> of the combined voting power of the voting stock not beneficially owned by an interested
shareholder, defined below. However, a business combination involving Flushing and an interested shareholder may be approved by a majority of board members who were members of the board at the time such interested shareholder qualified as an
interested shareholder. For purposes of these provisions, an &#147;interested shareholder&#148; includes:</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;any person (with certain exceptions) who is the &#147;beneficial owner&#148; (as defined in the
certificate of incorporation) of more than 10% of Flushing Financial outstanding common stock;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;any affiliate of Flushing which is the beneficial owner of more than 10% of Flushing outstanding
common stock at any time during the prior two years; or</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;any transferee of any shares of Flushing common stock that were beneficially owned by an
&#147;interested shareholder&#148; during the prior two years.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">For purposes of
these provisions, a &#147;business combination&#148; is defined to include:</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;any merger or consolidation of Flushing Financial or any subsidiary with or into an interested
shareholder or affiliate of an interested shareholder;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;the disposition of the assets of Flushing Financial or any subsidiary having an aggregate value of
25% or more of the total consolidated assets of Flushing Financial and its subsidiaries to or with any interested shareholder or affiliate of an interested shareholder;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;the issuance or transfer by Flushing or any subsidiary of any of its securities to any interested
shareholder or affiliate of an interested shareholder in exchange for cash, securities or other property having an aggregate fair market value of $2,000,000 or more, other than (i)&nbsp;the issuance of securities upon the conversion of convertible
securities of Flushing or any subsidiary of Flushing which were not acquired by any interested shareholder (or affiliate of an interested shareholder) from Flushing or a subsidiary of</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">class of voting stock registered with the SEC under Section&nbsp;12 of the Exchange Act and Empire&#146;s charter does not otherwise so provide.</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">123 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.00em; font-size:10pt; font-family:Times New Roman">Flushing, or (ii)&nbsp;the issuance or transfer to an employee benefit plan of Flushing or a subsidiary of Flushing;</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;any reclassification of
securities or recapitalization that would increase the proportionate share of any class of equity or convertible securities owned by an interested shareholder or affiliate of an interested shareholder; and</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;the adoption of any plan for
the liquidation or dissolution of Flushing proposed by, or on behalf of, an interested shareholder or an affiliate of an interested shareholder.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">This provision is intended to deter an acquiring party from utilizing <FONT STYLE="white-space:nowrap">two-tier</FONT> pricing and similar coercive tactics in
an attempt to acquire control of Flushing. However, it is not intended to, and will not, prevent or deter all tender offers for shares of Flushing.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Restrictions on Business
Combinations</B></P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Section&nbsp;203 of the DGCL provides that a corporation may not engage any business combination with an interested shareholder for a period
of three years from the date on which the shareholder first becomes an interested shareholder if the transaction is caused by the interested shareholder. There is an exception to the three-year waiting period requirement if:</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;prior to the shareholder
becoming an interested shareholder, the board of directors approves the business combination or the transaction in which the shareholder became an interested shareholder;</P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;upon the completion of the transaction in which the shareholder became an interested shareholder,
the interested shareholder owns at least 85% of the voting stock of the corporation other than shares held by directors who are also officers and certain employee stock plans; or</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:4.00em; text-indent:-1.50em; font-size:10pt; font-family:Times New Roman">&#149;&#8195;&#8202;the business combination is
approved by the board of directors and by the affirmative vote of at least <FONT STYLE="white-space:nowrap">two-thirds</FONT> of the outstanding shares of a corporation&#146;s common stock entitled to vote not owned by the interested
shareholder.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Section&nbsp;912 of the NYBCL provides that a New York corporation may not engage in any business combination with an interested shareholder for a period of five years from the date of which the shareholder first becomes an
interested shareholder, subject to certain exceptions. However, these provisions do not apply to Empire because Empire does not have a class of voting stock registered with the SEC under Section&nbsp;12 of the Exchange Act and Empire&#146;s charter
does not otherwise so provide.</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">124 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center"><B>Flushing Shareholder Rights</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>Empire Shareholder Rights</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">A corporation can expressly elect not to be governed by the DGCL&#146;s business combination provisions in its certificate of incorporation
or bylaws, but Flushing has not done so.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">The DGCL defines the term &#147;interested
shareholder&#148; as a person who owns (or in certain cases, within the past three years did own) at least 15% of the outstanding shares of a corporation.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Forum Selection</B></P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing&#146;s bylaws provide that unless Flushing consents in writing to the selection of an alternative forum, the Court of Chancery of
the State of Delaware will be the sole and exclusive forum for (i)&nbsp;any derivative action or proceeding brought on behalf of Flushing, (ii)&nbsp;any action asserting a claim of breach of a fiduciary duty owed by any director, officer, or other
employee of Flushing to Flushing or the Flushing shareholders, (iii)&nbsp;any action asserting a claim arising pursuant to any provision of the DGCL or Flushing&#146;s charter or bylaws, or (iv)&nbsp;any action asserting a claim governed by the
internal affairs doctrine.&nbsp;Any person or entity owning, purchasing, or otherwise acquiring any interest in shares of capital stock of Flushing is be deemed to have notice of and consented to the forum selection provision of Flushing&#146;s
bylaws.</P> <P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">The forum selection provision discussed above is not intended to apply to
claims arising under the Securities Act or the Exchange Act. To the extent the provision could be construed to apply to such claims, there is uncertainty as to whether a court would enforce such provision in connection with such claims, and in any
event, Flushing&#146;s shareholders would not be deemed to have waived Flushing&#146;s compliance with federal securities laws and the rules and regulations thereunder.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Empire&#146;s organizational documents do not contain a forum selection clause.</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">125 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_91"></A>EMPIRE SHAREHOLDER PROPOSALS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Under Empire&#146;s bylaws, a shareholder of Empire who wishes to nominate an individual for election to the Empire board directly or to
propose any business to be considered at an annual meeting must deliver advance written notice of that nomination or business to us following certain procedures contained in Empire&#146;s bylaws. To be timely, the notice must be received by
Empire&#146;s Corporate Secretary at Empire&#146;s principal executive offices not less than 120 nor more than 150 days before the first anniversary of the date of the prior year&#146;s annual meeting, unless the current year&#146;s annual meeting
is held on a date that is not within 30 days before or after the first anniversary of the date of the prior year&#146;s annual meeting. In that case, to be timely, notice must be delivered not later than the close of business on the tenth day
following the date on which notice of the date of the current year&#146;s annual meeting was mailed or public disclosure of the date of the current year&#146;s annual meeting was made, whichever occurs first. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To be in proper form, a shareholder&#146;s notice must include all of the information about the proposal or nominee required by Empire&#146;s
bylaws. You can obtain a copy of Empire&#146;s bylaws upon written request to Empire&#146;s Corporate Secretary at Empire&#146;s principal executive offices. The chairman of the annual meeting may refuse to acknowledge any director nomination or the
proposal of any business not made in compliance with the procedures contained in Empire&#146;s bylaws. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_92"></A>LEGAL
MATTERS </B></P>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The validity of the shares of Flushing common stock offered hereby will be passed upon for Flushing by Arnold&nbsp;&amp;
Porter Kaye Scholer LLP, New York, New York. Certain tax matters relating to the merger will be passed upon for Flushing by Arnold &amp; Porter Kaye Scholer LLP, New York, New York, and for Empire by Fenimore, Kay, Harrison &amp; Ford, LLP. Please
see &#147;Proposal No. 1: The Amendment Proposal&#151;Material U.S. Federal Income Tax Consequences of the Merger&#148; on page 84. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_93"></A>EXPERTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The consolidated financial statements of Flushing Financial Corporation and Subsidiaries as of December&nbsp;31, 2019 and 2018 and for each of
the three years in the period ended December&nbsp;31, 2019 and management&#146;s assessment of the effectiveness of internal control over financial reporting as of December&nbsp;31, 2019 incorporated by reference in this proxy statement/prospectus
have been so incorporated in reliance on the reports of BDO USA, LLP, an independent registered public accounting firm, incorporated herein by reference, given on the authority of said firm as experts in auditing and accounting. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">126 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_94"></A>WHERE YOU CAN FIND MORE INFORMATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing is a reporting company and files annual, quarterly and current reports, proxy statements and other information with the SEC. You may
read and copy, at prescribed rates, these reports, proxy statements and other information at the SEC&#146;s Public Reference Room located at 100&nbsp;F Street, N.E., Washington, D.C. 20549. You can request copies of these documents by writing to the
SEC and paying a fee for the copying cost. Please call the SEC at <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-SEC-0330</FONT></FONT></FONT> for more information about the operation of the
Public Reference Room. Flushing&#146;s SEC filings are also available at the SEC&#146;s website at www.sec.gov. The reports and other information filed by Flushing with the SEC are also available free of charge at Flushing&#146;s website at
www.flushingbank.com. The web addresses of the SEC and Flushing have been included as inactive textual references only. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as
specifically incorporated by reference into this proxy statement/prospectus, information on those websites is not part of this proxy statement/prospectus or the registration statement, of which this proxy statement/prospectus forms a part. The
registration statement, including the attached exhibits and schedules, contains additional relevant information about Flushing and Flushing common stock. The rules and regulations of the SEC allow Flushing to omit certain information included in the
registration statement from this document. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The SEC allows Flushing to &#147;incorporate by reference&#148; information into this proxy
statement/prospectus, which means that Flushing can disclose important information to you by referring you to another document filed separately with the SEC. Statements contained in this proxy statement/prospectus or in any document incorporated by
reference into this proxy statement/prospectus as to the contents of any contract or other document referred to herein or therein are not necessarily complete, and in each instance reference is made to the copy of such contract or other document
filed as an exhibit to the registration statement or such other document, each such statement being qualified in all respects by such reference. The information incorporated by reference is deemed to be part of this proxy statement/prospectus,
except for information that is superseded by information that is included in this proxy statement/prospectus. This proxy statement/prospectus incorporates by reference the documents set forth below that Flushing has previously filed with the SEC.
These documents contain important information about Flushing and its financial condition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The following documents, which were filed by
Flushing with the SEC, are incorporated by reference into this proxy statement/prospectus (other than information &#147;furnished&#148; rather than &#147;filed&#148; in accordance with SEC rules): </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing&#146;s Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020001872/ffic-20191231x10kbe8259.htm">Form
 <FONT STYLE="white-space:nowrap">10-K</FONT></A> for the year ended December&nbsp;31, 2019, filed with the SEC on March&nbsp;2, 2020, including information incorporated by reference from Flushing&#146;s definitive proxy statement relating to
Flushing&#146;s annual meeting of shareholders; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing&#146;s Definitive Proxy Statement for the 2020 Annual Meeting of Shareholders, filed with the SEC on <A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312520108917/d801408ddef14a.htm">April&nbsp;16,
 2020</A> (solely to the extent incorporated by reference into Part III of the Company&#146;s Annual Report on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020001872/ffic-20191231x10kbe8259.htm">Form
 <FONT STYLE="white-space:nowrap">10-K</FONT></A> for the year ended December&nbsp;31, 2019); </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing&#146;s Quarterly Reports on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarterly periods
ended March&nbsp;31, 2020 and June&nbsp;
30, 2020, filed with the SEC on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020006299/ffic-20200511x10q.htm">May 11, 2020</A> and <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020010167/ffic-20200630x10q.htm">August
 10, 2020</A>, respectively; </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Flushing&#146;s Current Reports on Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed with the SEC on <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020000373/ffic-20200130x8kfe6c344.htm">January
 31, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000119312520020953/d832713d8k.htm">January 31, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000119312520038679/d891111d8k.htm">February
 18, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020001403/ffic-20200225x8k359535c.htm">February 26, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020001412/ffic-20200226x8kd74d80c.htm">February
 26, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020001699/ffic-20200227x8k7812bdb.htm">February 28, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020002241/ffic-20200309x8k32bf596.htm">March
 9, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000119312520081819/d902849d8k.htm">March 23, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020003583/ffic-20200403x8k10839cd.htm">April
 3, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020004510/ffic-20200428x8k.htm">April 28, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020006141/ffic-20200511x8k.htm">May
 11, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020006979/ffic-20200526x8k.htm">May 27, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000155837020007020/ffic-20200527x8k.htm">May
 27, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000092313920000010/ffic-20200623x8k.htm">June 23, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000092313920000013/ffic-20200721x8k.htm">July
 22, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000119312520207584/d66916d8k.htm">August 3, 2020</A>, <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000119312520221890/d24293d8k.htm">August
 17, 2020</A> <A HREF="http://www.sec.gov/Archives/edgar/data/../../../ix?doc=/Archives/edgar/data/923139/000092313920000016/ffic-20200825x8k.htm">and August 26, 2020</A> (except, in any such case, the portions furnished and not filed pursuant to
Item&nbsp;2.02, Item 7.01 or otherwise); and </P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5%">&nbsp;</TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The description of Flushing common stock that is contained in the Registration Statement on Form <FONT
STYLE="white-space:nowrap">8-A,</FONT> filed by Flushing on September&nbsp;25, 1995, and any amendment or reports filed for the purpose of updating such description. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">127 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Flushing incorporates by reference additional documents that it may file with the SEC
pursuant to Section&nbsp;13(a) or (c), Section&nbsp;14 or Section&nbsp;15(d) of the Exchange Act (other than portions of the documents that are specifically furnished under Item 2.02 or Item 7.01 of a Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> and exhibits furnished on such form that relate to such items, unless otherwise indicated therein) between the date of this proxy statement/prospectus and the date of the special meeting. Those documents include
periodic reports such as Annual Reports on Form <FONT STYLE="white-space:nowrap">10-K,</FONT> Quarterly Reports on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> and Current Reports on <FONT STYLE="white-space:nowrap">Form&nbsp;8-K,</FONT> as
well as proxy statements. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except where the context otherwise indicates, Flushing has supplied all information contained or incorporated
by reference into this proxy statement/prospectus relating to Flushing, and Empire has supplied all information contained in this proxy statement/prospectus relating to Empire. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither Flushing nor Empire has authorized anyone to give any information or make any representation about the merger or the special meeting
that is different from, or in addition to, that contained in this proxy statement/prospectus or in any of the materials that are incorporated by reference into this proxy statement/prospectus. Therefore, if anyone does give you information of this
sort, you should not rely on it. This proxy statement/prospectus shall not constitute an offer to sell or the solicitation of an offer to buy, nor shall there be any sale of, the securities offered by this proxy statement/prospectus, or the
solicitation of a proxy, in any jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of such jurisdiction. Neither the delivery of this proxy statement/prospectus
nor any distribution of securities pursuant to this proxy statement/prospectus shall, under any circumstances, create any implication that there has been no change in the information set forth or incorporated into this proxy statement/prospectus by
reference or in our affairs since the date of this proxy statement/prospectus. The information contained in this proxy statement/prospectus speaks only as of the date of this proxy statement/prospectus unless the information specifically indicates
that another date applies. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">128 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_95"></A>ANNEX A - AMENDMENT NO. 2 TO THE AGREEMENT AND PLAN OF MERGER
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This AMENDMENT NO. 2 (this &#147;<U>Amendment</U>&#148;) to that certain Agreement and Plan of Merger, dated as of October&nbsp;24,
2019 (the &#147;<U>Merger Agreement</U>&#148;), by and among<B> </B>EMPIRE BANCORP, INC., a New York corporation (the &#147;<U>Company</U>&#148;), LIGHTHOUSE ACQUISITION CO., INC., a New York corporation and a special-purpose, wholly owned
subsidiary of Parent (the &#147;<U>Merger Sub</U>&#148;), and FLUSHING FINANCIAL CORPORATION, a Delaware corporation (&#147;<U>Parent</U>&#148; and, collectively with the Company and the Merger Sub, the &#147;<U>Parties</U>&#148;), as amended by
Amendment No.&nbsp;1 to the Merger Agreement, dated as of December&nbsp;6, 2019 (&#147;<U>Amendment No.</U><U></U><U>&nbsp;1</U>&#148; and together with the Merger Agreement, the &#147;<U>Agreement</U>&#148;) is made and entered into by the Parties
as of August&nbsp;14, 2020. Capitalized terms used but not defined herein have the meanings ascribed to such terms in the Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, <U>Section</U><U></U><U>&nbsp;9.2</U> of the Agreement provides that the Parties may amend the Agreement pursuant to an instrument in
writing signed by the Parties. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Parties desire to amend the Agreement on the terms and conditions set forth herein. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants contained in this Amendment, and for other good and valuable consideration, the
receipt and adequacy of which are hereby acknowledged, and intending to be legally bound hereby, the Parties hereby agree as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 1.11</U> of the Agreement is hereby amended to add the text, &#147;Subject to
<U>Section</U><U></U><U>&nbsp;6.20</U>, &#148; at the beginning thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 2.1(e)</U> of the Agreement
is hereby amended and restated in its entirety as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;Any Election shall have been made properly only if the Exchange Agent
shall have received, during the Election Period, a Form of Election properly completed and signed.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">3.&nbsp;&nbsp;&nbsp;&nbsp;The
term &#147;<U>Election Deadline</U>&#148; in the Agreement shall mean 5:00&nbsp;p.m. local time (in the city in which the principal office of the Exchange Agent is located) on the date of the Supplemental Company Meeting (as defined herein) or such
other date and time as the Parties shall mutually agree. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">4.&nbsp;&nbsp;&nbsp;&nbsp;In order to better reflect the Parties&#146; mutual
intent and understanding at the time the Merger Agreement was entered into, <U>Section</U><U></U><U>&nbsp;2.1(h)</U> of the Agreement is hereby amended and restated in its entirety as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;Notwithstanding any other provision contained in this Agreement, the total number of shares of Company Common Stock that will be
converted into the right to receive the Per Share Cash Consideration pursuant to<U>&nbsp;Section</U><U></U><U>&nbsp;1.5</U>&nbsp;(which, for this purpose, shall be deemed to include the Dissenting Shares) shall equal&nbsp;the product of 0.5
multiplied by the number of shares of Company Common Stock issued and outstanding immediately prior to the Closing including, for the avoidance of doubt, all shares of Company Common Stock subject to Company Restricted Stock Awards that have not
been forfeited and that will vest in accordance with <U>Section</U><U></U><U>&nbsp;1.7(c)</U> (such number of shares of Company Common Stock, the &#147;<U>Target Cash Conversion Number</U>&#148;).&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 2.1(j)</U> of the Agreement is deleted in its entirety. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of <U>Article III</U> of the Agreement, references to &#147;Requisite Company Vote&#148; shall be
deemed to include &#147;Supplemental Requisite Company Vote&#148; (as defined herein), and references to &#147;Company Meeting&#148; shall be deemed to include &#147;Supplemental Company Meeting&#148; (as defined herein). </P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">7.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.12(f)</U> of the Agreement is amended to add the text
&#147;(other than any fact or circumstance that is publicly available information)&#148;, following &#147;knows of any circumstances&#148;. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">8.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.26</U> of the Agreement is amended to add the text &#147;(other than any fact or circumstance that is
publicly available information)&#148;, following &#147;or is aware of any fact or circumstance&#148;. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">9.&nbsp;&nbsp;&nbsp;&nbsp;The
references to &#147;Agreement&#148; in <U>Section</U><U></U><U>&nbsp;3.27</U> of the Agreement shall be deemed to include this Amendment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">10.&nbsp;&nbsp;&nbsp;&nbsp;The reference to &#147;31,530,595&#148; in <U>Section</U><U></U><U>&nbsp;4.3(b)</U> of the Agreement is hereby
deleted and replaced with &#147;28,157,206.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">11.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 4.13</U> of the Agreement is amended to add the
text &#147;(other than any fact or circumstance that is publicly available information)&#148;, following &#147;or is aware of any fact of circumstance&#148;. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">12.&nbsp;&nbsp;&nbsp;&nbsp;The following provision is hereby added as <U>Section</U><U></U><U>&nbsp;6.3(f)</U> of the Agreement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;The Company agrees that, upon reasonable notice and subject to applicable Laws relating to the exchange of information, the Company shall
afford to the officers, employees, accountants, counsel and other representatives of Parent access to the credit files of the Company and the Company Bank and to such other information as Parent may reasonably request. Parent agrees that, upon
reasonable notice and subject to applicable Laws relating to the exchange of information, Parent shall afford to the officers and employees of Company Bank access to the credit files of the Parent and the Parent Bank and to such other credit-related
information as the Company may reasonably request. The Company agrees to participate in periodic meetings with Parent to discuss the status of the Company&#146;s overall credit quality and specific credits as reasonably identified by Parent in light
of the impact of the <FONT STYLE="white-space:nowrap">COVID-19</FONT> pandemic, to be held biweekly as determined to be appropriate by Parent, at which time Parent agrees to discuss the status of the Parent&#146;s overall credit quality and specific
credits as reasonably identified by the Company in light of the impact of the <FONT STYLE="white-space:nowrap">COVID-19</FONT> pandemic.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">13.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of <U>Section</U><U></U><U>&nbsp;6.7(c)</U> of the Agreement, references to &#147;Requisite Company
Vote&#148; shall be deemed to include &#147;Supplemental Requisite Company Vote&#148; (as defined herein). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">14.&nbsp;&nbsp;&nbsp;&nbsp;The
Company and Parent agree, immediately upon execution of this Amendment, to recommence work on the Informational Systems Conversion in accordance with <U>Section</U><U></U><U>&nbsp;6.11</U> of the Agreement, including Parent&#146;s obligation to
promptly reimburse Company as provided therein. The Company and Parent agree to use commercially reasonable efforts to achieve the successful Informational Systems Conversion by a target date to be set by Parent, currently expected to occur in
middle of the fourth quarter of 2020. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">15.&nbsp;&nbsp;&nbsp;&nbsp;For the avoidance of doubt, the Parties agree that the Company
shareholder approval of the Agreement that occurred on February&nbsp;27, 2020 constitutes the &#147;Requisite Company Vote&#148; for purposes of <U>Section</U><U></U><U>&nbsp;6.15(a)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">16.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 6.20</U> of the Agreement is hereby amended to add the following at the end thereof: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">&#147;Notwithstanding the foregoing, and notwithstanding any statement or inference to the contrary in any provision of this Agreement (as may
be amended or supplemented from time to time) or any document delivered in connection herewith, no party hereto shall be considered to have made any representations or warranties regarding the Tax treatment of the Integrated Mergers or any of the
Tax consequences to any holder of Company securities of this Agreement (as may be amended or supplemented from time to time) or any other aspect of the transactions contemplated hereby. The Company acknowledges that it and holders of its securities
are relying solely on their own Tax advisors in connection with this Agreement (as may be amended or supplemented from time to time) and transactions contemplated hereby.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">17.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of <U>Section</U><U></U><U>&nbsp;7.1(a)</U> of the
Agreement, the reference to &#147;Requisite Company Vote&#148; shall be deemed to include &#147;Supplemental Requisite Company Vote&#148; (as defined herein). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">18.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of <U>Section</U><U></U><U>&nbsp;7.1(d)</U> of the Agreement, references to <FONT
STYLE="white-space:nowrap">&#147;S-4&#148;</FONT> shall be deemed to include <FONT STYLE="white-space:nowrap">&#147;S-4/A&#148;</FONT> (as defined herein). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">19.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 7.2(i)</U> of the Agreement is hereby deleted. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">20.&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 7.3(e)</U> of the Agreement is hereby deleted. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">21.&nbsp;&nbsp;&nbsp;&nbsp;The reference to &#147;July 31, 2020&#148; in <U>Section</U><U></U><U>&nbsp;8.1(c)</U> of the Agreement is hereby
deleted and replaced in its entirety with &#147;December 31, 2020.&#148; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">22.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of
<U>Section</U><U></U><U>&nbsp;8.1(d)</U> of the Agreement, the reference to &#147;Requisite Company Vote&#148; shall be deemed to include &#147;Supplemental Requisite Company Vote&#148; (as defined herein). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">23.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of <U>Section</U><U></U><U>&nbsp;8.1(f)</U> of the Agreement, the reference to &#147;Requisite Company
Vote&#148; shall be deemed to include &#147;Supplemental Requisite Company Vote&#148; (as defined herein); for the avoidance of doubt, the reference to &#147;Proxy Statement&#148; shall be deemed to include the &#147;Supplemental Proxy
Statement&#148; (as defined herein); the reference in subclause (i)(A) to &#147;the Agreement&#148; shall be deemed to include this Amendment; and subclause (ii)&nbsp;shall be deemed to include breaches by the Company or the Company Board of its
obligations under Sections 26, 27 and 28 of this Amendment in any material respect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">24.&nbsp;&nbsp;&nbsp;&nbsp;For purposes of
<U>Section</U><U></U><U>&nbsp;8.2(b)(i)</U> of the Agreement, the reference to &#147;Requisite Company Vote&#148; shall be deemed to include &#147;Supplemental Requisite Company Vote&#148; (as defined herein). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">25.&nbsp;&nbsp;&nbsp;&nbsp;The Parties hereto agree to use reasonable best efforts to cause the proxy statement relating to the Supplemental
Company Meeting (including any amendments or supplements thereto, the &#147;<U>Supplemental Proxy Statement</U>&#148;) and the prospectus supplement on Form <FONT STYLE="white-space:nowrap">S-4/A</FONT> in which the Supplemental Proxy Statement will
be included as a prospectus, to be filed with the SEC by Parent in connection with the transactions contemplated by this Amendment (including any amendments or supplements, thereto, the
&#147;<U><FONT STYLE="white-space:nowrap">S-4/A</FONT></U>&#148;) as promptly as reasonably practicable after the date of this Amendment, but in any event within thirty (30)&nbsp;days of the date of this Amendment, and to be declared effective by
the SEC as promptly as reasonably practicable after the filing thereof and to keep the <FONT STYLE="white-space:nowrap">S-4/A</FONT> effective for so long as necessary to complete the Integrated Mergers. After the
<FONT STYLE="white-space:nowrap">S-4/A</FONT> is declared effective under the Securities Act, the Company, at its own expense, shall promptly mail or cause to be mailed the Supplemental Proxy Statement to its shareholders. A copy of the Form of
Election will be included with the Supplemental Proxy Statement mailed to the Company shareholders. Each of the Parties hereto agrees, as to itself and its Subsidiaries, that none of the information supplied or to be supplied by or on behalf of
itself for inclusion or incorporation by reference in the Supplemental Proxy Statement will, at the date it is first mailed to shareholders of the Company (or such other Persons entitled to vote in respect of matters covered thereby) or at the time
of the Supplemental Company Meeting, as applicable, contain any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements, in light of the circumstances in which they were made, not misleading.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">26.&nbsp;&nbsp;&nbsp;&nbsp;The Company shall take, in accordance with applicable Law and the Company&#146;s articles of incorporation and
bylaws, all action necessary to establish a record date for, and to duly call, give notice of, convene and hold a meeting of its shareholders (the &#147;<U>Supplemental Company Meeting</U>&#148;) as soon as practicable (and in any event such meeting
to be convened within thirty (30)&nbsp;days following the time when the Supplemental Proxy Statement is mailed to the Company shareholders, unless a later date is agreed to in writing by Parent and the Company) for the purpose of obtaining the
adoption and approval of this Amendment and the transactions contemplated thereby by the affirmative vote of the holders of at least a majority of the outstanding shares of Company Common Stock entitled to vote thereon (the &#147;<U>Supplemental
Requisite Company Vote</U>&#148;) required in </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
connection with this Amendment. Except with the prior approval of Parent, no other matters shall be submitted for the approval of Company shareholders at the Supplemental Company Meeting. The
Company shall, through the Company Board, recommend to its shareholders that they adopt and approve this Amendment and the transactions contemplated thereby (the &#147;<U>Supplemental Company Recommendation</U>&#148;) and shall use its reasonable
best efforts to solicit such approval from the shareholders of the Company and to obtain the Supplemental Requisite Company Vote, including by communicating to its shareholders the Supplemental Company Recommendation (and including the Supplemental
Company Recommendation in the Supplemental Proxy Statement). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">27.&nbsp;&nbsp;&nbsp;&nbsp;<U>Supplemental Company Recommendation</U>.
(i)&nbsp;The Company Board shall at all times prior to and during the Supplemental Company Meeting make the Supplemental Company Recommendation and shall not otherwise withhold, withdraw, change, qualify, amend or modify the Supplemental Company
Recommendation, and (ii)&nbsp;the Supplemental Proxy Statement shall include the Supplemental Company Recommendation. In the event that there is present at the Supplemental Company Meeting, in person or by proxy, sufficient favorable voting power to
secure the Supplemental Requisite Company Vote, the Company will not adjourn or postpone the Supplemental Company Meeting unless the Company Board reasonably determines in good faith, after consultation with and having considered the advice of
counsel, that failure to do so would constitute a violation of its fiduciary duties under applicable Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">28.&nbsp;&nbsp;&nbsp;&nbsp;<U>Supplemental Company Meeting Adjournment</U>. The Company shall adjourn or postpone the Supplemental Company
Meeting if, as of the time for which such meeting is originally scheduled there are insufficient shares of Company Common Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct the business of such meeting.
Notwithstanding anything to the contrary in this Agreement or any amendment hereof, unless this Agreement, including any amendment hereof, has been terminated in accordance with its terms, the Company shall ensure that the Supplemental Company
Meeting is called, noticed, convened, held and ultimately conducted, and this Amendment shall be submitted to the shareholders of the Company at the Supplemental Company Meeting, for the purposes of considering and voting upon the approval of this
Amendment and the Integrated Mergers, and nothing contained herein shall be deemed to relieve the Company of such obligation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">29.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of the Company</U>. Each of the representations and warranties of the Company
contained in <U>Section</U><U></U><U>&nbsp;3.2</U> (Organization and Standing) of the Agreement, <U>Section</U><U></U><U>&nbsp;3.3</U> (Capitalization) of the Agreement, subsections <U>(a)</U>, <U>(b)</U> and <U>(c)</U>&nbsp;of
<U>Section</U><U></U><U>&nbsp;3.4</U> (Subsidiaries) of the Agreement, subsections <U>(c)</U>&nbsp;and <U>(d)</U> of <U>Section</U><U></U><U>&nbsp;3.5</U> (Corporate Power and Authority) of the Agreement, <U>Section</U><U></U><U>&nbsp;3.9</U>
(Brokers) of the Agreement, subsection <U>(a)</U>&nbsp;of <U>Section</U><U></U><U>&nbsp;3.10</U> (Absence of Certain Changes and Events) of the Agreement and <U>Section</U><U></U><U>&nbsp;3.26</U> (Reorganization) of the Agreement are true and
correct in all respects as of the date of this Amendment (except to the extent such representations and warranties are made expressly as of an earlier date, in which case as of such earlier date), and each of the representations and warranties of
the Company set forth in subsection <U>(d)</U>&nbsp;of <U>Section</U><U></U><U>&nbsp;3.4</U> (Subsidiaries) of the Agreement, subsections <U>(a)</U>&nbsp;and <U>(b)</U> of <U>Section</U><U></U><U>&nbsp;3.5</U> (Corporate Power and Authority) of the
Agreement, <U>Section</U><U></U><U>&nbsp;3.6</U> (Consents and Approvals; <FONT STYLE="white-space:nowrap">Non-Contravention;</FONT> No Defaults) of the Agreement, <U>Section</U><U></U><U>&nbsp;3.7</U> (Financial Statements; No Undisclosed
Liabilities) of the Agreement, <U>Section</U><U></U><U>&nbsp;3.12</U> (Tax Matters) of the Agreement and <U>Section</U><U></U><U>&nbsp;3.17</U> (Agreements with Regulatory Agencies) of the Agreement are true and correct in all material respects as
of the date of this Amendment (except to the extent such representations and warranties are made expressly as of an earlier date, in which case as of such earlier date). All other representations and warranties of the Company set forth in the
Agreement (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties) are true and correct in all respects as of the date of this Amendment (except to the extent such
representations and warranties are made expressly as of an earlier date, in which case as of such earlier date); <U>provided</U>, that for purposes of this sentence, such representations and warranties are true and correct unless the failure or
failures of such representations and warranties to be so true and correct, either individually or in the aggregate, has had or would reasonably be expected to have a Material Adverse Effect on the Company or the Surviving Corporation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">30.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties of Parent</U>. Each of the
representations and warranties of Parent set forth in the Agreement are true and correct in all material respects as of the date of this Amendment (except to the extent such representations and warranties are made expressly as of an earlier date, in
which case as of such earlier date); <U>provided</U>, that for purposes of this sentence, such representations and warranties (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth in such
representations or warranties) are deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, has had or would reasonably be expected to
have a Material Adverse Effect on Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">31.&nbsp;&nbsp;&nbsp;&nbsp;Except as expressly amended hereby, the Agreement is in all respects
ratified and confirmed, and all the terms, conditions and provisions of the Agreement shall remain in full force and effect in accordance with the terms thereof. This Amendment is limited precisely as written and shall not be deemed to be an
amendment to any other term or condition of the Agreement or any of the documents referred to therein. This Amendment shall form a part of the Agreement for all purposes, and each party thereto and hereto shall be bound hereby. From and after the
execution of this Amendment by the Parties hereto, all references in the Agreement to &#147;this Agreement&#148; shall be deemed to refer to the Agreement as amended by this Amendment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">32.&nbsp;&nbsp;&nbsp;&nbsp;This Amendment may be executed in two or more counterparts (including by facsimile or other electronic means), all
of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other party, it being understood that each party need not sign the same counterpart.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">33.&nbsp;&nbsp;&nbsp;&nbsp;The provisions of <U>Article IX</U> (General Provisions) of the Agreement shall apply <I>mutatis mutandis</I>
to this Amendment, and to the Agreement as modified by this Amendment, taken together as a single agreement, reflecting the terms therein as modified hereby. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>The remainder of this page is intentionally left blank.</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">A-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, this Amendment has been duly executed and delivered by the duly
authorized officers of the Parties as of the date first above written. </P> <P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="79%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EMPIRE BANCORP, INC.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ Douglas C. Manditch</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Douglas C. Manditch</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chairman of the Board, <BR>Chief Executive Officer and</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Secretary</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FLUSHING FINANCIAL CORPORATION</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">John R. Buran</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and <BR>Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LIGHTHOUSE ACQUISITION CO., INC.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="24"></TD>
<TD HEIGHT="24" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">John R. Buran</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President</TD></TR>
</TABLE></DIV> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:120pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Amendment
No. </I><I>2</I><I> to the Merger Agreement]</I> </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="annxacov"></A>ANNEX B&#151;AGREEMENT AND PLAN OF MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B><I><A NAME="rom922344_96"></A>Execution Version </I></B></P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:120pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">AGREEMENT AND PLAN OF MERGER </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">by
and among </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EMPIRE BANCORP, INC., </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">LIGHTHOUSE ACQUISITION CO., INC. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FLUSHING FINANCIAL
CORPORATION </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:10pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Dated as of October&nbsp;24, 2019 </P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:0pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>TABLE OF CONTENTS</U> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE I THE INTEGRATED MERGERS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">The Integrated Mergers; Effective Time</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Closing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Effects of the Integrated Mergers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Effects of the First-Step Merger on Merger Sub Capital Stock</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Conversion of Company Common Stock in the First-Step Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Effects of Second-Step Merger on Parent Common Stock and Company Common Stock</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Treatment of Company Warrants and Company Equity Awards</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Certificate of Incorporation of Surviving Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bylaws of Surviving Corporation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Directors and Officers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Tax Consequences</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">1.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Bank Merger</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE II EXCHANGE OF SHARES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Election and Proration Procedures</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Parent to Make Merger Consideration Available</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Exchange of Shares</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">2.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Dissenters&#146; Rights</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE III REPRESENTATIONS AND WARRANTIES OF COMPANY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Making of Representations and Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Organization and Standing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Subsidiaries</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Corporate Power and Authority</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Consents and Approvals; <FONT STYLE="white-space:nowrap">Non-Contravention;</FONT> No Defaults</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Financial Statements; No Undisclosed Liabilities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Regulatory Reports</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brokers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Absence of Certain Changes or Events</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Legal Proceedings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Tax Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Employees and Employee Benefit Plans</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Labor Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Compliance with Applicable Law</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Company Material Contracts; Defaults</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Agreements with Regulatory Agencies</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Derivative Transactions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Regulatory Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.20</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Environmental Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.21</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Investment Securities and Commodities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.22</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Tangible Properties and Assets</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.23</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Intellectual Property</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.24</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Transactions with Affiliates</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.25</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Anti-takeover Provisions</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.26</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Reorganization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.27</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Opinion</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.28</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Office of Foreign Assets Control</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.29</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Company Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.30</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Loans; Nonperforming and Classified Assets</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.31</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Allowance for Loan and Lease Losses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.32</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Trust Business; Administration of Fiduciary Accounts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.33</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Investment Management and Related Activities</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.34</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Repurchase Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.35</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.36</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Deposits</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.37</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Disaster Recovery and Business Continuity</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.38</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Pipeline Loans</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3.39</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">No Other Representations or Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IV REPRESENTATIONS AND WARRANTIES OF PARENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Making of Representations and Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Corporate Organization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Corporate Power and Authority</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Consents and Approvals; <FONT STYLE="white-space:nowrap">Non-Contravention;</FONT> No Defaults</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Reports</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Financial Statements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Absence of Certain Events</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Brokers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Legal Proceedings</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Compliance with Applicable Law</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Regulatory Capitalization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Reorganization</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Financing; Stock Consideration</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Certain Contracts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">4.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">No Other Representations or Warranties</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE V COVENANTS RELATING TO CONDUCT OF BUSINESS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Conduct of Business of the Company Prior to the Effective Time</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Company Forbearances</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">5.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Parent Forbearances</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VI ADDITIONAL AGREEMENTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Registration Statement; Proxy Statement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Regulatory Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Access to Information</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Company Shareholder Approval</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Legal Conditions to the Integrated Mergers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Stock Exchange Listing</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Employee Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Indemnification; Directors&#146; and Officers&#146; Insurance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Notification of Changes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Director and Officer Matters</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Transition; Informational Systems Conversion</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">No Control of Other Party&#146;s Business</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Additional Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Certain Litigation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Acquisition Proposals</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.16</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Public Announcements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="82%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.17</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Change of Method</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.18</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Takeover Statutes</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.19</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Closing Date Share Certification</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.20</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Tax Treatment of the Integrated Mergers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.21</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Corporate Governance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">6.22</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Assumption of Company Indebtedness</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VII CONDITIONS PRECEDENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">7.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Conditions to Each Party&#146;s Obligation to Effect the Integrated Mergers</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">7.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Conditions to Obligation of Parent</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">7.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Conditions to Obligation of the Company</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-61</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE VIII TERMINATION AND AMENDMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">8.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">8.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Effect of Termination</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ARTICLE IX GENERAL PROVISIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.1</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Nonsurvival of Representations, Warranties and Agreements</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.2</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Amendment</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.3</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Extension; Waiver</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.4</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Expenses</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.5</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Notices</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.6</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Interpretation</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.7</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Counterparts</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.8</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Disclosure Schedules</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.9</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Entire Agreement</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.10</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Governing Law; Jurisdiction</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.11</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Waiver of Jury Trial</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.12</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Assignment; Third Party Beneficiaries</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.13</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Specific Performance</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.14</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Severability</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">9.15</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Delivery by Facsimile or Electronic Transmission</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">EXHIBITS </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Exhibit <FONT
STYLE="white-space:nowrap">A-1&#151;Form</FONT> of Voting Agreement </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Exhibit <FONT STYLE="white-space:nowrap">A-2&#151;Form</FONT> of Voting Agreement </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Exhibit B&#151;Bank Merger Agreement </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-iii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">INDEX OF DEFINED TERMS </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acquisition Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Acquisition Transaction</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Action</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">affiliate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Arnold&nbsp;&amp; Porter</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Associate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ASTM</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bank Merger</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Bank Merger Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BHC Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Burdensome Condition</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">business day</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash Designated Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash Election</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Cash Election Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CERCLA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Claim</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Closing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Closing Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Closing Date Share Certification</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COBRA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Code</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company 401(k) Plan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Audited Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Bank Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Benefit Plans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Board</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Disclosure Schedule</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Equity Awards</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Equity Plans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Indemnified Parties</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Intellectual Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Loan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Material Contract</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Meeting</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company <FONT STYLE="white-space:nowrap">Non-Voting</FONT> Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Plan Affiliate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Preferred Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Real Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Recommendation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Regulatory Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Restricted Stock Award</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Stock Option</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Subsequent Determination</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-iv </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Unaudited Financial Statements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Voting Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Company Warrant</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Confidentiality Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Continuing Employees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">date hereof</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Delaware Secretary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Derivative Transaction</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DGCL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dissenting Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">dollars</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Effective Time</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Election</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Election Deadline</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Election Period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Employment Agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Enforceability Exceptions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Environmental Law</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ERISA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange Agent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange Fund</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Exchange Ratio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FDIA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FDIC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Federal Reserve Board</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First-Step Merger</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">First-Step Merger Certificate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Form of Election</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">GAAP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Governmental Entity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Hazardous Substance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Holder</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">IIPI</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Informational Systems Conversion</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Insurance Policies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Integrated Mergers</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Intellectual Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">IRS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">IT Assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Knowledge</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Law/Laws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Liens</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Loan Tape</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Locked Pipeline Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">made available or furnished</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Material Adverse Effect</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Merger Consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Merger Sub</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-v </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Money Laundering Laws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NASDAQ</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">New Certificates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">New Plans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">New York Secretary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Non-Election</FONT> Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice of Superior Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notice Period</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Notifying Party</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NYBCL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NYDFS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">OCC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">OFAC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Old Certificate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">OREO</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Owned Intellectual Property</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent 401(k) Plan</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Bank</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Board</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Bylaws</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Common Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Contract</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Disclosure Schedule</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Preferred Stock</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Report</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Parent Share Closing Price</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Patents</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PCB</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Per Share Cash Consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Per Share Stock Consideration</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Pipeline Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Premium Cap</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Proxy Statement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">RCRA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Recourse Agreements</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Regulation O</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Regulatory Agencies</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Release</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Representatives</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Requisite Company Vote</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Requisite Regulatory Approvals</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">S-4</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sanctioned Country</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Sanctions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SBA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SEC</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second-Step Merger</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Second-Step Merger Certificates</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;623</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Section&nbsp;910</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-vi </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="94%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><B>Page</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Securities Act</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Significant Subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Designated Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Election</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Stock Election Shares</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Subsidiary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Superior Proposal</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Surviving Corporation</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Takeover Statute</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Target Cash Conversion Number</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Tax Return</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Taxes</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Termination Date</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Termination Fee</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">transactions contemplated hereby / by this Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Treasury Regulations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Unlocked Pipeline Loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Voting Agreement</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">B-1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-vii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">AGREEMENT AND PLAN OF MERGER </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">AGREEMENT AND PLAN OF MERGER, dated as of October&nbsp;24, 2019 (this &#147;<U>Agreement</U>&#148;), by and among EMPIRE BANCORP, INC., a New
York corporation (the &#147;<U>Company</U>&#148;), LIGHTHOUSE ACQUISITION CO., INC., a New York corporation and a special-purpose, wholly owned subsidiary of Parent (the &#147;<U>Merger Sub</U>&#148;), and FLUSHING FINANCIAL CORPORATION, a Delaware
corporation (&#147;<U>Parent</U>&#148;). </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">W&nbsp;I&nbsp;T&nbsp;N&nbsp;E&nbsp;S&nbsp;S &nbsp;E&nbsp;T&nbsp;H: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Board of Directors of Parent (the &#147;<U>Parent Board</U>&#148;) and the Board of Directors of the Company (the
&#147;<U>Company Board</U>&#148;) have determined that it is in the best interests of their respective companies and their shareholders to consummate the strategic business combination transaction provided for herein, pursuant to which
(i)&nbsp;Merger Sub will, subject to the terms and conditions set forth herein, merge with and into the Company (the &#147;<U>First-Step Merger</U>&#148;), so that the Company is the surviving corporation in the First-Step Merger and a wholly owned
subsidiary of Parent and (ii)&nbsp;immediately thereafter, the Company, as the surviving corporation in the First-Step Merger, will merge with and into Parent (the &#147;<U>Second-Step Merger</U>&#148; and, together with the First-Step Merger, the
&#147;<U>Integrated Mergers</U>&#148;), with Parent being the surviving corporation (hereinafter sometimes referred to in such capacity as the &#147;<U>Surviving Corporation</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, for U.S. federal income tax purposes, it is intended that the Integrated Mergers shall together be treated as a single integrated
transaction described in Revenue Ruling <FONT STYLE="white-space:nowrap">2001-46,</FONT> <FONT STYLE="white-space:nowrap">2001-2</FONT> C.B. 321 that qualifies as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the U.S.
Internal Revenue Code of 1986, as amended (the &#147;<U>Code</U>&#148;), and this Agreement is intended to be, and is adopted as, a &#147;plan of reorganization&#148; for purposes of Sections 354, 361 and 368 of the Code and within the meaning of <FONT
STYLE="white-space:nowrap">Section&nbsp;1.368-2(g)</FONT> of the regulations promulgated under the Code by the U.S. Department of the Treasury (the &#147;<U>Treasury Regulations</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a material inducement and as additional consideration to Parent to enter into this Agreement, certain officers, directors and
shareholders of the Company have entered into voting agreements with Parent dated as of the date hereof, the forms of which are attached hereto as <U>Exhibit</U><U></U><U><FONT STYLE="white-space:nowrap">&nbsp;A-1</FONT></U> and <U>Exhibit <FONT
STYLE="white-space:nowrap">A-2</FONT></U> (each a &#147;<U>Voting Agreement</U>&#148; and collectively, the &#147;<U>Voting Agreements</U>&#148;), pursuant to which each such Person (as defined herein) has agreed, among other things, to vote all
shares of Company Voting Common Stock (as defined herein) owned by such Person in favor of the approval of this Agreement and the First-Step Merger upon the terms and subject to the conditions set forth in this Agreement; and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the parties desire to make certain representations, warranties and agreements in connection with the Integrated Mergers and also to
prescribe certain conditions to the Integrated Mergers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants, representations,
warranties and agreements contained herein, and intending to be legally bound hereby, the parties hereto agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_1">
</A>ARTICLE I </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">THE INTEGRATED MERGERS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_2"></A>1.1&nbsp;&nbsp;&nbsp;&nbsp;<U>The Integrated Merger</U><U>s; Effective Time</U>.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, in accordance with the New York Business Corporation Law
(the &#147;<U>NYBCL</U>&#148;), at the Effective Time, Merger Sub will merge with and into the Company.&nbsp;The Company will be the surviving corporation in the First-Step Merger and a wholly owned subsidiary of Parent and will continue its
corporate existence under the Laws of the State of New York. Upon consummation of the First-</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Step Merger, the separate corporate existence of Merger Sub will terminate. On or before the Closing Date, Parent and the Company, respectively, shall cause to be filed a certificate of merger
with the Secretary of State of the State of New York (the &#147;<U>New York Secretary</U>&#148;) in accordance with the NYBCL (the &#147;<U>First-Step Merger Certificate</U>&#148;). The First-Step Merger shall become effective as of the date and
time specified in the First-Step Merger Certificate (such date and time, the &#147;<U>Effective Time</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Immediately following the Effective Time, subject to the terms and conditions of this Agreement, in accordance with
the Delaware General Corporation Law (the &#147;<U>DGCL</U>&#148;) and the NYBCL, the Company, as the surviving corporation in the First-Step Merger, shall merge with and into Parent. Parent will be the Surviving Corporation in the Second-Step
Merger, and will continue its corporate existence under the Laws of the State of Delaware. Upon consummation of the Second-Step Merger, the separate corporate existence of the Company will terminate. On or before the Closing Date, Parent and the
Company, respectively, shall cause to be filed a certificate of ownership and merger with the Secretary of State of the State of Delaware (the &#147;<U>Delaware Secretary</U>&#148;) in accordance with the DGCL and a certificate of merger with the
New York Secretary in accordance with the NYBCL (collectively, the &#147;<U>Second-Step Merger Certificates</U>&#148;). The Second-Step Merger shall become effective as of the date and time specified in the Second-Step Merger Certificates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_3"></A>1.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing</U>.&nbsp;Subject to the terms and conditions of this Agreement, the
closing of the Integrated Mergers (the &#147;<U>Closing</U>&#148;) will take place at 10:00 a.m.&nbsp;New York City time at the offices of Arnold&nbsp;&amp; Porter Kaye Scholer LLP (&#147;<U>Arnold</U><U></U><U>&nbsp;&amp; Porter</U>&#148;), on a
date which shall be no later than five&nbsp;(5) business days after the satisfaction or waiver (subject to applicable Law) of the latest to occur of the conditions set forth in <U>ARTICLE VII</U> hereof (other than those conditions that by their
nature can only be satisfied at the Closing, but subject to the satisfaction or waiver thereof), unless another date, time or place is agreed to by Parent and the Company (the &#147;<U>Closing Date</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_4"></A>1.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Effects of the Integrated Merger</U><U>s</U>.&nbsp;At and after the Effective
Time, the First-Step Merger shall have the effects set forth in the applicable provisions of Section&nbsp;259 of the DGCL and Section&nbsp;907 of the NYBCL. At and after the effective time of the Second-Step Merger, the Second-Step Merger shall have
the effects set forth in Section&nbsp;259 of the DGCL and Section&nbsp;907 of the NYBCL. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_5"></A>1.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Effects of the First-Step Merger on Merger Sub Capital Stock</U>. At and after
the Effective Time, each share of the capital stock of Merger Sub issued and outstanding immediately prior to the Effective Time shall be converted into and become one validly issued, fully paid and nonassessable share of common stock of the
Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_6"></A>1.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Conversion of Company Common Stock</U><U> in the First-Step
Merger</U>.&nbsp;At the Effective Time, by virtue of the First-Step Merger and without any action on the part of Parent, Merger Sub, the Company or the holders of any of the following securities: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Subject to <U>Section</U><U></U><U>&nbsp;2.3(e)</U> and <U>Section</U><U></U><U>&nbsp;2.4</U>, each share of the
voting common stock, par value $0.01 per share, of the Company issued and outstanding immediately prior to the Effective Time (the &#147;<U>Company Voting Common Stock</U>&#148;) and the <FONT STYLE="white-space:nowrap">non-voting</FONT> common
stock, par value $0.01 per share, of the Company issued and outstanding immediately prior to the Effective Time (the &#147;<U>Company <FONT STYLE="white-space:nowrap">Non-Voting</FONT> Common Stock</U>&#148; and, collectively with the Company Voting
Common Stock, the &#147;<U>Company Common Stock</U>&#148;), except for shares of Company Common Stock owned by the Company as treasury stock or owned by Parent (in each case other than in a fiduciary or agency capacity or as a result of debts
previously contracted), shall be converted, in accordance with and subject to the election, allocation and proration procedures set forth in <U>ARTICLE II</U>, into the right to receive the following, without interest: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;For each share of Company Common Stock with respect to which an election to receive cash (a &#147;<U>Cash
Election</U>&#148;) has been effectively made and not revoked or deemed revoked pursuant to <U>Section</U><U></U><U>&nbsp;2.3</U> (collectively, the &#147;<U>Cash Election Shares</U>&#148;), an amount in cash equal to the Per Share Cash
Consideration; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;For each share of Company Common Stock with respect to which an election to receive common
stock, par value $0.01 per share, of Parent (such common stock, the &#147;<U>Parent Common Stock</U>&#148;) (a &#147;<U>Stock</U> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
<U>Election</U>&#148;) has been effectively made and not revoked or deemed revoked pursuant to <U>Section</U><U></U><U>&nbsp;2.3</U> (collectively, the &#147;<U>Stock Election Shares</U>&#148;),
a number of validly issued, fully paid and nonassessable shares of Parent Common Stock equal to the Exchange Ratio (such number of shares of Parent Common Stock, the &#147;<U>Per Share Stock Consideration</U>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;For each share of Company Common Stock other than shares as to which a Cash Election or a Stock Election has
been effectively made and not revoked pursuant to <U>Section</U><U></U><U>&nbsp;2.3</U> (collectively, the &#147;<U><FONT STYLE="white-space:nowrap">Non-Election</FONT> Shares</U>&#148;), the right to receive the Per Share Stock Consideration or the
Per Share Cash Consideration as determined in accordance with <U>Section</U><U></U><U>&nbsp;2.3</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of this Agreement, the following terms shall have the following meaning: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;The &#147;<U>Exchange
Ratio</U>&#148; means 0.6548, as may be adjusted pursuant to <U>Section</U><U></U><U>&nbsp;1.5(d)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;The
&#147;<U>Per Share Cash Consideration</U>&#148; means $14.04, as may be adjusted pursuant to <U>Section</U><U></U><U>&nbsp;1.5(d)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;The &#147;<U>Merger Consideration</U>&#148; means the Per Share Cash Consideration and/or the Per Share Stock
Consideration described in <U>Section</U><U></U><U>&nbsp;1.5(a)</U>, as applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;All of the shares of
Company Common Stock converted into the right to receive the Merger Consideration pursuant to this <U>ARTICLE I</U> shall no longer be outstanding and shall automatically be canceled and shall cease to exist as of the Effective Time, and each
certificate (each, an &#147;<U>Old Certificate</U>,&#148; it being understood that any reference herein to &#147;<U>Old Certificate</U>&#148; shall be deemed to include reference to book-entry account statements relating to the ownership of shares
of Company Common Stock) previously representing any such shares of Company Common Stock shall thereafter represent only the right to receive (i)&nbsp;the Merger Consideration in accordance with, and subject to,
<U>Section</U><U></U><U>&nbsp;1.5(a)</U> and this <U>ARTICLE II</U>, (ii)&nbsp;cash in lieu of fractional shares which the shares of Company Common Stock represented by such Old Certificate have been converted into the right to receive pursuant to
this <U>Section</U><U></U><U>&nbsp;1.5</U> and <U>Section</U><U></U><U>&nbsp;2.3(e)</U>, without any interest thereon and (iii)&nbsp;any dividends or distributions which the holder thereof has the right to receive pursuant to
<U>Section</U><U></U><U>&nbsp;2.3</U>. Old Certificates previously representing shares of Company Common Stock shall be exchanged for evidence of shares in book entry form or, in Parent&#146;s sole discretion, certificates (collectively, referred to
herein as &#147;<U>New Certificates</U>&#148;), representing the aggregate Per Share Stock Consideration payable to the applicable holder of Company Common Stock (together with any dividends or distributions with respect thereto and cash in lieu of
fractional shares issued in consideration therefor) and/or the aggregate Per Share Cash Consideration payable to the applicable holder of Company Common Stock, as applicable, upon the surrender of such Old Certificates in accordance with
<U>Section</U><U></U><U>&nbsp;2.3</U>, without any interest thereon.</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;If, prior to the Effective Time, the
outstanding shares of Parent Common Stock shall have been increased, decreased, changed into or exchanged for a different number or kind of shares or securities as a result of a reorganization, recapitalization, reclassification, stock dividend,
stock split, reverse stock split, or other similar change in capitalization, an appropriate and proportionate adjustment shall be made to the Merger Consideration to give holders of Company Common Stock the same economic effect as contemplated by
this Agreement prior to such event. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything in this Agreement to the contrary, at the
Effective Time, all shares of Company Common Stock that are owned by the Company or Parent (in each case other than in a fiduciary or agency capacity or as a result of debts previously contracted) shall be canceled and shall cease to exist, and
neither the Merger Consideration nor any other consideration shall be delivered in exchange therefor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_7"></A>1.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Effects of Second-Step Merger on Parent Common Stock and Company Common
Stock</U>.&nbsp;At the effective time of the Second-Step Merger, each share of (a)&nbsp;Parent Common Stock issued and outstanding </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
immediately prior to such time shall remain issued and outstanding and shall not be affected by the Second-Step Merger, and (b)&nbsp;common stock of the Company, as the surviving corporation in
the First-Step Merger, issued and outstanding immediately prior to such time shall be canceled and shall cease to exist and neither the Merger Consideration nor any other consideration shall be delivered in exchange therefor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_8"></A>1.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Treatment of Company Warrants and Company Equity Awards</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Not less than five (5)&nbsp;days prior to the Closing, the Company shall provide written notice of the Closing to
each holder of an outstanding unexercised warrant to purchase or otherwise acquire shares of Company Common Stock (each, a &#147;<U>Company Warrant</U>&#148;), which notice shall be provided in accordance with the terms of the applicable Company
Warrant and the Voting Agreement executed by the holder thereof. If, after the delivery by the Company of such notice, the holder of a Company Warrant exercises such Company Warrant in accordance with its terms and the Voting Agreement executed by
such holder, then (i)&nbsp;such exercise shall be deemed effective immediately prior to and contingent upon the consummation of the First-Step Merger and such exercise will be governed by the terms of the applicable Company Warrant and such Voting
Agreement, and (ii)&nbsp;at the Effective Time, such Company Warrant shall be canceled and shall thereafter represent only the right to receive, in consideration of the exercise and cancellation of such Company Warrant and in settlement therefor, in
lieu of the Company Common Stock issuable upon the exercise of the Company Warrant, either the Per Share Cash Consideration or the Per Share Stock Consideration for each share of Company Common Stock that would have been issuable upon the exercise
of such Company Warrant had the Company Warrant been exercised immediately prior to the Closing. If any holder of a Company Warrant does not, prior to the Effective Time, exercise such Company Warrant in accordance with its terms and the Voting
Agreement executed by such holder, then, in accordance with such Voting Agreement, at the Effective Time, such Company Warrant shall, without any payment of any consideration therefor, be canceled and extinguished, shall no longer be outstanding,
shall cease to represent the right to acquire shares of Company Common Stock or receive any Merger Consideration and shall not represent the right to acquire any shares of Parent Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;At the Effective Time, each option granted by the Company to purchase shares of Company Common Stock under a
Company Equity Plan, whether vested or unvested, that is outstanding and unexercised immediately prior to the Effective Time (each, a &#147;<U>Company Stock Option</U>&#148;) shall, without any further action on the part of any holder thereof, be
fully vested and shall be canceled and shall thereafter represent only the right to receive, in consideration of the exercise and cancellation of such Company Stock Option and in settlement therefor, in lieu of the Company Common Stock issuable upon
the exercise of the Company Stock Option an amount in cash equal to the difference between (i)&nbsp;the Per Share Cash Consideration for each share of Company Common Stock that would have been issuable upon the exercise of such Company Stock Option
had the Company Stock Option been exercised immediately prior to the Closing and (ii)&nbsp;the per share exercise price for each share of Company Stock subject to such Company Stock Option. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;At the Effective Time, each restricted stock award in respect of shares of Company Common Stock granted under any
Company Equity Plan, whether vested or unvested, that is outstanding immediately prior to the Effective Time (a &#147;<U>Company Restricted Stock Award</U>&#148;) shall become fully vested and the restrictions thereon shall lapse. Each share of
Company Common Stock subject to such Company Restricted Stock Awards shall be treated as an outstanding share of Company Common Stock for purposes of this <U>ARTICLE I</U> and <U>ARTICLE II</U>. The Company or Parent will be entitled to deduct and
withhold such amounts as may be required or permitted to be deducted and withheld under the Code and any applicable state or local Tax Laws as allowed under the applicable Company Equity Plan and the applicable grant agreement. To the extent any
such withholding is taken from the Merger Consideration payable in respect of such Company Restricted Stock Award, then such withholding shall be taken first from the cash portion (if any) of such Merger Consideration and then, to the extent
necessary, from the portion of such Merger Consideration payable in the form of the Parent Common Stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;At
least fifteen (15)&nbsp;days prior to the Closing Date and prior to the payment of any consideration therefor, the Company shall obtain a written acknowledgement and waiver, in such form as Parent reasonably
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
determines, from each holder of Company Stock Options and/or Company Restricted Stock Awards (collectively, &#147;<U>Company Equity Awards</U>&#148;) (i) confirming the number of Company Equity
Awards held (and of shares of Company Common Stock subject to such Company Equity Awards), (ii)&nbsp;confirming that the treatment of such Company Equity Awards pursuant to this Agreement and the amounts to be paid pursuant to this Agreement have
been correctly calculated, (iii)&nbsp;agreeing to notify Parent and the Company in writing immediately upon the exercise of a Company Stock Option and, in the case of such an exercise, agreeing to provide an updated acknowledgement to Parent the day
prior to the Closing Date, and (iv)&nbsp;acknowledging that in consideration for the cancellation of such Company Equity Awards, the holder agrees to accept the consideration set forth in this <U>Section</U><U></U><U>&nbsp;1.7</U>. The Company shall
provide a copy of each such acknowledgement and waiver to Parent at least five&nbsp;(5) business days prior to the Closing Date and, if any holder exercises a Company Stock Option prior to the Closing Date, shall provide a copy of an updated
acknowledgement and waiver to Parent the day prior to the Closing Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;At or prior to the Effective Time, the
Company, the Company Board and its Compensation Committee, as applicable, shall adopt any resolutions and take any actions that are necessary to (i)&nbsp;effectuate the provisions of this <U>Section</U><U></U><U>&nbsp;1.7</U>, and (ii)&nbsp;ensure
that following the Effective Time, there are no obligations with respect to the Company Equity Awards other than as set forth in this <U>Section</U><U></U><U>&nbsp;1.7</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement, &#147;<U>Company Equity Plans</U>&#148; means, collectively, the 2008 Stock
Incentive Plan, the 2015 Omnibus Stock and Incentive Plan and the 2018 Equity Incentive Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_9"></A>1.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Certificate of Incorporation of Surviving Corporation</U>.&nbsp;At the Effective
Time, the Certificate of Incorporation of the Company, as in effect immediately prior to the Effective Time, shall be the Certificate of Incorporation of the surviving corporation in the First-Step Merger until such Certificate of Incorporation is
thereafter amended in accordance with its terms and applicable law. At the effective time of the Second-Step Merger, the Certificate of Incorporation of Parent, as in effect immediately prior to the Effective Time, shall be the Certificate of
Incorporation of the Surviving Corporation until thereafter amended in accordance with its terms and applicable law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_10">
</A>1.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Bylaws of Surviving Corporation</U>.&nbsp;At the Effective Time, the Bylaws of Merger Sub, as in effect immediately prior to the Effective Time, shall be the Bylaws of the surviving corporation in the First-Step
Merger until thereafter amended in accordance with their terms and applicable law. At the effective time of the Second-Step Merger, the Bylaws of Parent (the &#147;<U>Parent Bylaws</U>&#148;), as in effect immediately prior to the Effective Time,
shall be the Bylaws of the Surviving Corporation until thereafter amended in accordance with their terms and applicable law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_11">
</A>1.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Directors and Officers</U>. At and immediately after the Effective Time, the directors and officers of Merger Sub in office immediately prior to the Effective Time shall be the directors and officers of the
surviving corporation in the First-Step Merger and shall hold office until their respective successors are duly elected or appointed, or their earlier death, resignation or removal. Subject to <U>Section</U><U></U><U>&nbsp;6.21</U>, the directors
and officers of Parent in office immediately prior to the effective time of the Second-Step Merger shall be the directors and officers of the Surviving Corporation and shall hold office until their respective successors are duly elected or
appointed, or their earlier death, resignation or removal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_12"></A>1.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Consequences</U>.&nbsp;For U.S. federal income Tax purposes, (a)&nbsp;the parties intend that (i)&nbsp;the Integrated Mergers shall together be treated as a single integrated transaction that qualifies as a &#147;reorganization&#148; within the
meaning of Section&nbsp;368(a) of the Code and (ii)&nbsp;Parent and the Company shall each be a party to such reorganization within the meaning of Section&nbsp;368(b) of the Code, and (b)&nbsp;this Agreement is intended to be, and is hereby adopted
as, a &#147;plan of reorganization&#148; for purposes of Sections 354, 361 and 368 of the Code and within the meaning of <FONT STYLE="white-space:nowrap">Section&nbsp;1.368-2(g)</FONT> of the Treasury Regulations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_13"></A>1.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Bank Merger</U>. Immediately following the consummation of the Integrated
Mergers, Empire Bank, a national banking association and a wholly owned Subsidiary of the Company (&#147;<U>Company Bank</U>&#148;), will merge </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
(the &#147;<U>Bank Merger</U>&#148;) with and into Flushing Bank, a wholly owned Subsidiary of Parent (&#147;<U>Parent Bank</U>&#148;), pursuant to the agreement and plan of bank merger attached
hereto as <U>Exhibit B</U>, dated as of the date hereof, by and between Company Bank and Parent Bank (the &#147;<U>Bank Merger Agreement</U>&#148;). Parent Bank shall be the surviving bank in the Bank Merger and, following the Bank Merger, the
separate corporate existence of Company Bank shall cease. The parties agree that the Bank Merger shall become effective immediately after the effective time of the Second-Step Merger. Prior to the Effective Time, the Company shall cause Company
Bank, and Parent shall cause Parent Bank, to execute such plan of merger and such other documents and certificates as are necessary to make the Bank Merger effective immediately following the effective time of the Second-Step Merger. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_14"></A>ARTICLE II </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">EXCHANGE OF SHARES </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_15">
</A>2.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Election and Proration Procedures</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each holder of record of shares of
Company Common Stock to be converted into the right to receive the Merger Consideration in accordance with, and subject to, <U>ARTICLE I</U> (a &#147;<U>Holder</U>&#148;) shall have the right, subject to the limitations set forth in this <U>ARTICLE
II</U>, to submit an election in accordance with the following procedures. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Each Holder may specify in a
request made in accordance with the provisions of this <U>Section</U><U></U><U>&nbsp;2.1</U> (herein called an &#147;<U>Election</U>&#148;) (i) the number of shares of Company Common Stock owned by such Holder with respect to which such Holder
desires to make a Stock Election and (ii)&nbsp;the number of shares of Company Common Stock owned by such Holder with respect to which such Holder desires to make a Cash Election. Solely for purposes of applying the proration and election procedures
of this <U>ARTICLE II</U>, any Dissenting Shares shall be deemed to be Cash Election Shares, and the Holders thereof shall in no event receive consideration comprised of Parent Common Stock with respect to such shares, except for Dissenting Shares
that are required to be treated as <FONT STYLE="white-space:nowrap">Non-Election</FONT> Shares pursuant to <U>Section</U><U></U><U>&nbsp;2.4</U> hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Parent shall prepare a form reasonably acceptable to the Company, including appropriate and customary transmittal
materials in such form as prepared by Parent and reasonably acceptable to the Company (the &#147;<U>Form of Election</U>&#148;), so as to permit Holders to exercise their right to make an Election. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Parent (i)&nbsp;shall initially make available and mail the Form of Election not less than twenty
(20)&nbsp;business days prior to the anticipated Election Deadline to Holders of record as of the business day prior to such mailing date, and (ii)&nbsp;following such mailing date, shall use all reasonable efforts to make available as promptly as
possible a Form of Election to any shareholder who requests such Form of Election prior to the Election Deadline. The time period between such mailing date and the Election Deadline is referred to herein as the &#147;<U>Election Period</U>&#148;.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Any Election shall have been made properly only if the Exchange Agent shall have received, during the Election
Period, a Form of Election properly completed and signed. As used herein, unless otherwise agreed in advance by the parties, &#147;<U>Election Deadline</U>&#148; means 5:00 p.m. local time (in the city in which the principal office of the Exchange
Agent is located) on the date which the parties shall agree is as near as practicable to two (2)&nbsp;business days preceding the Closing Date. The Company and Parent shall cooperate to issue a press release reasonably satisfactory to each of them
announcing the date of the Election Deadline not more than fifteen (15)&nbsp;business days before, and at least five (5)&nbsp;business days prior to, the Election Deadline. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Any Holder may, at any time during the Election Period, change or revoke such Holder&#146;s Election by written
notice to the Exchange Agent prior to the Election Deadline accompanied by a properly completed and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
signed revised Form of Election. If any Election is not properly made with respect to any shares of Company Common Stock (none of Parent, the Company nor the Exchange Agent being under any duty
to notify any Holder of any such defect), such Election shall be deemed to be not in effect, and the shares of Company Common Stock covered by such Election shall, for purposes hereof, be deemed to be
<FONT STYLE="white-space:nowrap">Non-Election</FONT> Shares, unless a proper Election is thereafter timely made. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Subject to the terms of this Agreement and the Form of Election, Parent, in the exercise of its reasonable, good
faith discretion, shall have the right to make all determinations, not inconsistent with the terms of this Agreement, governing (i)&nbsp;the validity of the Forms of Election and compliance by any Holder with the Election procedures set forth
herein, (ii)&nbsp;the method of issuance and delivery of New Certificates representing the whole number of shares of Parent Common Stock into which shares of Company Common Stock are converted in the Merger and (iii)&nbsp;the method of payment of
cash for shares of Company Common Stock converted into the right to receive the Per Share Cash Consideration and cash in lieu of fractional shares of Parent Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provision contained in this Agreement, the total number of shares of Company Common Stock
that will be converted into the right to receive the Per Share Cash Consideration pursuant to <U>Section</U><U></U><U>&nbsp;1.5</U> (which, for this purpose, shall be deemed to include the Dissenting Shares) shall equal the sum of (i) 3,838,691
shares of Company Common Stock and (ii)&nbsp;the product of (A) 0.5 multiplied by and (B)&nbsp;the number of shares of Company Common Stock that are issued, from and after the date hereof and prior to the Effective Time, pursuant to the exercise of
Company Stock Options and Company Warrants outstanding as of the date hereof (such number of shares of Company Common Stock, the &#147;<U>Target Cash Conversion Number</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Within ten (10)&nbsp;business days after the Effective Time, Parent shall cause the Exchange Agent to effect the
allocation among the holders of Company Common Stock of rights to receive Parent Common Stock or cash in accordance with the Forms of Election as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<I><U>Cash Oversubscribed</U></I><U>.</U> If the total number of the Cash Election Shares (which, for this purpose,
shall be deemed to include the Dissenting Shares) is greater than the Target Cash Conversion Number, then: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">A.
&nbsp;&nbsp;&nbsp;&nbsp;all Stock Election Shares and <FONT STYLE="white-space:nowrap">Non-Election</FONT> Shares shall be converted into the right to receive the Per Share Stock Consideration, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">B. &nbsp;&nbsp;&nbsp;&nbsp;the Exchange Agent shall then select from among the Cash Election Shares, by a pro rata selection
process, a sufficient number of shares to receive the Per Share Stock Consideration (the &#147;<U>Stock Designated Shares</U>&#148;) such that the aggregate number of shares of Company Common Stock that will be paid the Per Share Cash Consideration
equals the Target Cash Conversion Number, and all Stock Designated Shares shall be converted into the right to receive the Per Share Stock Consideration, and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">C.&nbsp;&nbsp;&nbsp;&nbsp;the Cash Election Shares that are not Stock Designated Shares will be converted into the right to
receive the Per Share Cash Consideration. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;<I><U>Cash Undersubscribed</U></I><U>.</U> If the total number of
the Cash Election Shares (which, for this purpose, shall be deemed to include the Dissenting Shares) is less than the Target Cash Conversion Number, then: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">A. &nbsp;&nbsp;&nbsp;&nbsp;all Cash Election Shares shall be converted into the right to receive the Per Share Cash
Consideration, </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">B. &nbsp;&nbsp;&nbsp;&nbsp;the Exchange Agent shall then select first from among the <FONT
STYLE="white-space:nowrap">Non-Election</FONT> Shares, by a random selection process, and then (if necessary) from among the Stock Election Shares, by a pro rata selection process, a sufficient number of shares to receive the Per Share Cash
Consideration (the &#147;<U>Cash Designated Shares</U>&#148;) such that the aggregate number of shares of Company Common Stock that will be paid the Per Share Cash Consideration equals the Target Cash Conversion Number, and all Cash Designated
Shares shall be converted into the right to receive the Per Share Cash Consideration, and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">C.&nbsp;&nbsp;&nbsp;&nbsp;the Stock Election Shares and the <FONT
STYLE="white-space:nowrap">Non-Election</FONT> Shares that are not Cash Designated Shares shall be converted into the right to receive the Per Share Stock Consideration. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;<I><U>Cash Subscriptions Sufficient</U></I><U>.</U> If the number of Cash Election Shares (which, for this
purpose, shall be deemed to include the Dissenting Shares) is equal to the Target Cash Conversion Number, then subparagraphs (i)&nbsp;and (ii) above shall not apply and all Cash Election Shares shall be converted into the right to receive the Per
Share Cash Consideration and all Stock Election Shares and <FONT STYLE="white-space:nowrap">Non-Election</FONT> Shares shall be converted into the right to receive the Per Share Stock Consideration. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The pro rata selection process to be used by the Exchange Agent shall consist of such equitable pro ration processes as shall be mutually determined by Parent
and the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any other provision of this Agreement to the contrary, a sufficient number of
Cash Election Shares may be converted into the right to receive Per Share Stock Consideration to the extent necessary to secure the tax opinions required by <U>Section</U><U></U><U>&nbsp;7.2(i)</U> and <U>Section</U><U></U><U>&nbsp;7.3(e)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_16"></A>2.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Parent to Make Merger Consideration Available</U>.&nbsp;At or prior to the
Effective Time, Parent shall deposit, or shall cause to be deposited, with a bank or trust company designated by Parent and reasonably acceptable to the Company (the &#147;<U>Exchange Agent</U>&#148;), for the benefit of the holders of Old
Certificates (other than those representing Dissenting Shares), for exchange in accordance with this <U>ARTICLE II</U>, (a)&nbsp;New Certificates representing the aggregate Per Share Stock Consideration to be issued pursuant to
<U>Section</U><U></U><U>&nbsp;1.5</U> and exchanged pursuant to <U>Section</U><U></U><U>&nbsp;2.3(a)</U> and (b)&nbsp;cash in an amount sufficient to pay (i)&nbsp;the aggregate Per Share Cash Consideration payable to holders of Company Common Stock
and (ii)&nbsp;cash in lieu of any fractional shares of Parent Common Stock (such cash and New Certificates described in the foregoing clauses (a)&nbsp;and (b), together with any dividends or distributions with respect thereto, being hereinafter
referred to as the &#147;<U>Exchange Fund</U>&#148;). The Exchange Agent shall invest any cash included in the Exchange Fund as directed by Parent, provided that no such investment or losses thereon shall affect the amount of the Merger
Consideration payable to the holders of Old Certificates and any shortfall as a result of investment losses shall be promptly replenished by Parent. Any interest and other income resulting from such investments shall be paid to Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_17"></A>2.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Exchange of Shares.</U><U> </U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;As promptly as practicable after the Effective Time, but in no event later than ten (10)&nbsp;business days
thereafter, Parent shall cause the Exchange Agent to mail or otherwise deliver to each holder of record of one or more Old Certificates (other than those representing Dissenting Shares) representing shares of Company Common Stock immediately prior
to the Effective Time that have been converted at the Effective Time into the right to receive the Merger Consideration pursuant to <U>ARTICLE I</U>, a letter of transmittal (which shall specify that delivery shall be effected, and risk of loss and
title to the Old Certificates shall pass, only upon proper delivery of the Old Certificates to the Exchange Agent) and instructions for use in effecting the surrender of the Old Certificates in exchange for the Merger Consideration which such holder
shall have become entitled to receive in accordance with, and subject to, <U>Section</U><U></U><U>&nbsp;1.5</U> and this <U>ARTICLE II</U>, and any cash in lieu of fractional shares which the shares of Company Common Stock represented by such Old
Certificate or Old Certificates shall have been converted into the right to receive pursuant to this Agreement as well as any dividends or distributions to be paid pursuant to <U>Section</U><U></U><U>&nbsp;2.3(b)</U>. As promptly as practicable
after completion of the proration and allocation procedures set forth in <U>ARTICLE II</U>, and upon proper surrender of an Old Certificate or Old Certificates for exchange and cancellation to the Exchange Agent, together with such properly
completed letter of transmittal duly executed, the holder of such Old Certificate or Old Certificates shall be entitled to receive in exchange therefor, as applicable, (i)&nbsp;a New Certificate representing the aggregate Per Share Stock
Consideration to which such holder of Company Common Stock shall have become entitled to receive in accordance with, and subject to, <U>Section</U><U></U><U>&nbsp;1.5(a)</U>, and (ii)&nbsp;a check representing the amount of (A)&nbsp;the aggregate
Per Share Cash Consideration which such holder has the right to receive in respect of the surrendered Old Certificate or Old Certificates in accordance with, and subject to, <U>Section</U><U></U><U>&nbsp;1.5(a)</U> and this <U>ARTICLE II</U>,
(B)&nbsp;any cash in lieu of fractional shares which such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
holder has the right to receive in respect of the surrendered Old Certificate or Old Certificates pursuant to <U>Section</U><U></U><U>&nbsp;2.3(e)</U> and (C)&nbsp;any dividends or distributions
which the holder thereof has the right to receive pursuant to <U>Section</U><U></U><U>&nbsp;2.3(b)</U>, and the Old Certificate or Old Certificates so surrendered shall forthwith be canceled. No interest will be paid or accrued on the Per Share Cash
Consideration, any cash in lieu of fractional shares payable to holders of Old Certificates or any dividends payable under <U>Section</U><U></U><U>&nbsp;2.3(b)</U>. Until surrendered as contemplated by this <U>Section</U><U></U><U>&nbsp;2.3</U>,
each Old Certificate shall be deemed at any time after the Effective Time to represent only the right to receive, upon surrender, the Merger Consideration and any cash in lieu of fractional shares or in respect of dividends or distributions as
contemplated by this <U>Section</U><U></U><U>&nbsp;2.3</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;No dividends or other distributions declared with
respect to Parent Common Stock shall be paid to the holder of any unsurrendered Old Certificate until the holder thereof shall surrender such Old Certificate in accordance with this <U>ARTICLE II</U>.&nbsp;After the surrender of an Old Certificate
in accordance with this <U>ARTICLE II</U>, the record holder thereof shall be entitled to receive any such dividends or other distributions, without any interest thereon, which theretofore had become payable after the Closing Date with respect to
the Per Share Stock Consideration which the shares of Company Common Stock represented by such Old Certificate have been converted into the right to receive. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;If any New Certificate representing shares of Parent Common Stock is to be issued in a name other than that in
which the Old Certificate or Old Certificates surrendered in exchange therefor is or are registered, it shall be a condition of the issuance thereof that the Old Certificate or Old Certificates so surrendered shall be properly endorsed (or
accompanied by an appropriate instrument of transfer) and otherwise in proper form for transfer, and that the person requesting such exchange shall pay to the Exchange Agent in advance any transfer or other similar Taxes required by reason of the
issuance of a New Certificate representing shares of Parent Common Stock in any name other than that of the registered holder of the Old Certificate or Old Certificates surrendered, or required for any other reason, or shall establish to the
satisfaction of the Exchange Agent that such Tax has been paid or is not payable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;After the Effective Time,
there shall be no transfers on the stock transfer books of the Company of the shares of Company Common Stock that were issued and outstanding immediately prior to the Effective Time. If, after the Effective Time, Old Certificates representing such
shares are presented for transfer to the Exchange Agent, they shall be canceled and exchanged for the Merger Consideration, cash in lieu of fractional shares and dividends or distributions that the holder presenting such Old Certificates is entitled
to, as provided in this <U>ARTICLE II</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary contained herein, no New
Certificates or scrip representing fractional shares of Parent Common Stock shall be issued upon the surrender for exchange of Old Certificates, no dividend or distribution with respect to Parent Common Stock shall be payable on or with respect to
any fractional share, and such fractional share interests shall not entitle the owner thereof to vote or to any other rights of a shareholder of Parent. In lieu of the issuance of any such fractional share, after aggregating all shares converted
with respect to each such former shareholder of the Company, Parent shall pay to each former shareholder of the Company who otherwise would be entitled to receive such fractional share an amount in cash (rounded to the nearest cent) determined by
multiplying (i)&nbsp;the Parent Share Closing Price by (ii)&nbsp;the fraction of a share (rounded to the nearest thousandth when expressed in decimal form) of Parent Common Stock which such holder would otherwise be entitled to receive pursuant to
<U>Section</U><U></U><U>&nbsp;1.5</U>. The &#147;<U>Parent Share Closing Price</U>&#148; means the volume-weighted average trading price of Parent Common Stock on NASDAQ (&#147;<U>NASDAQ</U>&#148;) (as reported by The Wall Street Journal) for the
five (5)&nbsp;consecutive trading days ending on the last trading day preceding the Closing Date. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Any portion
of the Exchange Fund that remains unclaimed by the shareholders of the Company for twelve (12)&nbsp;months after the Effective Time shall be paid to the Surviving Corporation.&nbsp;Any former shareholders of the Company who have not theretofore
complied with this <U>ARTICLE II</U> shall thereafter look only to the Surviving Corporation for payment of the Merger Consideration, cash in lieu of any fractional shares and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any unpaid dividends and distributions on the Parent Common Stock deliverable in respect of each former share of Company Common Stock such shareholder holds as determined pursuant to this
Agreement, in each case, without any interest thereon.&nbsp;Notwithstanding the foregoing, none of Parent, the Company, the Surviving Corporation, the Exchange Agent or any other person shall be liable to any former holder of shares of Company
Common Stock for any amount delivered in good faith to a public official pursuant to applicable abandoned property, escheat or similar Laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything in this Agreement to the contrary, each of Parent, the Company, and the Surviving
Corporation shall be entitled to deduct and withhold, or cause the Exchange Agent to deduct and withhold, from the Merger Consideration, the cash in lieu of fractional shares of Parent Common Stock, the cash dividends or distributions payable
pursuant to this <U>Section</U><U></U><U>&nbsp;2.3</U> or any other amounts otherwise payable pursuant to this Agreement to any holder of Company Common Stock or Company Equity Awards such amounts as it is required to deduct and withhold with
respect to the making of such payment under the Code or any provision of state, local or foreign Tax Law. To the extent that amounts are so withheld and paid over to the appropriate Governmental Entity, the withheld amounts shall be treated for all
purposes of this Agreement as having been paid to the holder of Company Common Stock or Company Equity Awards in respect of which the deduction and withholding was made. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;In the event any Old Certificate shall have been lost, stolen or destroyed, upon the making of an affidavit of that
fact by the person claiming such Old Certificate to be lost, stolen or destroyed and, if requested by Parent, the posting by such person of a bond in such amount as Parent may determine is reasonably necessary as indemnity against any claim that may
be made against it with respect to such Old Certificate, the Exchange Agent or Parent, as applicable, will issue in exchange for such lost, stolen or destroyed Old Certificate the Merger Consideration and any cash in lieu of fractional shares
deliverable in respect thereof pursuant to this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_18"></A>2.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Dissenters</U><U>&#146;</U><U> Rights</U>. Notwithstanding anything in this
Agreement to the contrary, shares (&#147;<U>Dissenting Shares</U>&#148;) of Company Common Stock that are outstanding immediately prior to the Effective Time and that are held by a holder who has not voted to adopt this Agreement or assented thereto
in writing and has the right to demand and has properly demanded payment of the fair value of such shares by filing a written notice of such holder&#146;s election to dissent from the First-Step Merger in accordance with Section&nbsp;623 of the
NYBCL (&#147;<U>Section</U><U></U><U>&nbsp;623</U>&#148;), shall not be converted into the right to receive the Merger Consideration, but rather the holders of Dissenting Shares shall be entitled to payment of the fair value of such Dissenting
Shares in accordance with Section&nbsp;623 and Section&nbsp;910 of the NYBCL (&#147;<U>Section</U><U></U><U>&nbsp;910</U>&#148;); <U>provided</U>, <U>however</U>, that if any such holder fails to perfect or otherwise waives, withdraws or loses the
right to dissent under Section&nbsp;623 and Section&nbsp;910, then the right of such holder to be paid the fair value of such holder&#146;s Dissenting Shares shall cease and such Dissenting Shares shall be deemed to have been canceled, extinguished
and converted as of the Effective Time into, and to have become exchangeable solely for the right to receive, the Merger Consideration, without interest thereon, and each share of Company Common Stock of such holder shall be treated as a <FONT
STYLE="white-space:nowrap">Non-Election</FONT> Share in accordance with <U>Section</U><U></U><U>&nbsp;2.1</U>. The Company shall give Parent (i)&nbsp;a prompt written notice of any demands received by the Company for payment of the fair value of any
shares of Company Common Stock, any withdrawal of any such demand and any other demand, notice or instrument delivered to the Company prior to the Effective Time pursuant to the NYBCL that relates to such demand, and (ii)&nbsp;the opportunity to
direct all negotiations and proceedings with respect to such demands. Prior to the Effective Time, the Company shall not, without the prior written consent of Parent, make any payment with respect to, or settle or offer to settle, any such demands,
or agree to do any of the foregoing. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-10 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_19"></A>ARTICLE III </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REPRESENTATIONS AND WARRANTIES OF COMPANY </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_20"></A>3.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Making of Representations and Warranties.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;References herein to &#147;<U>Company Disclosure Schedule</U>&#148; shall mean all of the disclosure schedules
required by <U>ARTICLE III</U> and <U>ARTICLE V</U>, dated as of the date hereof and delivered on the date hereof by the Company to Parent. The Company Disclosure Schedule shall be organized to correspond to Sections in <U>ARTICLE III</U> and
<U>ARTICLE V</U> of this Agreement. Each exception set forth in the Company Disclosure Schedule shall be deemed to qualify (1)&nbsp;the corresponding representation and warranty set forth in this Agreement that is specifically identified (by cross
reference or otherwise) in the Company Disclosure Schedule and (2)&nbsp;any other representation and warranty to the extent that the relevance of such exception to such other representation and warranty is reasonably apparent on the face of the
disclosure (without need to examine underlying documentation). As used in this Agreement, the term &#147;<U>Material Adverse Effect</U>&#148; means, with respect to the Company, the Surviving Corporation or Parent, as the case may be, an effect
which (i)&nbsp;is material and adverse to the business, assets, financial condition or results of operations of such party and its Subsidiaries on a consolidated basis, or (ii)&nbsp;materially impairs the ability of such party and its Subsidiaries
to consummate the transactions contemplated hereby on a timely basis; <U>provided</U><I>, </I><U>however</U>, that &#147;<U>Material Adverse Effect</U>&#148; shall not be deemed to include the impact of (a)&nbsp;changes in Laws affecting banks or
their holding companies generally, or binding interpretations thereof by courts or governmental agencies, (b)&nbsp;changes in generally accepted accounting principles in the United States of America, applied consistently with past practice
(&#147;<U>GAAP</U>&#148;), or regulatory accounting principles generally applicable to financial institutions and their holding companies, (c)&nbsp;actions and omissions of a party hereto (or any of its Subsidiaries) taken with the prior written
consent of the other party or deemed approval of the other party, as provided for herein, (d)&nbsp;the impact of the announcement of this Agreement and the transactions contemplated hereby and compliance with this Agreement on the business,
financial condition or results of operations of the parties and their respective Subsidiaries, including the expenses incurred by the parties hereto in consummating the transactions contemplated by this Agreement, (e)&nbsp;any change in the value of
the securities or loan portfolio, or any change in the value of the deposits or borrowings, of the Company, the Surviving Corporation or Parent, or any of their Subsidiaries, respectively, resulting solely from a change in market interest rates,
<U>provided</U>, that any such change in interest rates shall not disproportionately affect the referenced party to a materially greater extent than U.S. domestic banks generally, or (f)&nbsp;changes relating to securities markets in general
(including any disruption thereof and any decline in the price of any market index). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Except as set forth in
the Company Disclosure Schedule (subject to <U>Section</U><U></U><U>&nbsp;9.8</U>), the Company hereby represents and warrants to Parent as follows in this <U>ARTICLE III</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_21"></A>3.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Organization and Standing.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The Company is a New York corporation duly incorporated, validly existing and in good standing under the Laws of
the State of New York and is duly registered with the Board of Governors of the Federal Reserve System (the &#147;<U>Federal Reserve Board</U>&#148;) as a bank holding company under the Bank Holding Company Act of 1956, as amended (the &#147;<U>BHC
Act</U>&#148;). The Company is duly licensed, registered or otherwise qualified to do business and is in good standing in each jurisdiction where its ownership or leasing of property and/or assets or the conduct of its business requires such
licensing, registration or qualification, except where the failure to be so licensed, registered, qualified or in good standing has not had, and is not reasonably likely to have, individually or in the aggregate, a Material Adverse Effect on the
Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Company Bank is a national banking association duly organized and validly existing, with full power
and authority to conduct its business as approved by the Office of the Comptroller of the Currency (the &#147;<U>OCC</U>&#148;). Company Bank is duly licensed, registered and qualified to do business and is in good standing in each jurisdiction
where its ownership or leasing of property and/or assets or the conduct of its business requires such </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-11 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
licensing, registration or qualification, except where the failure to be so licensed, registered, qualified or in good standing has not had, and is not reasonably likely to have, individually or
in the aggregate, a Material Adverse Effect on the Company. <U>Section</U><U></U><U>&nbsp;3.2(b) of the Company Disclosure Schedule</U> sets forth a true, correct and complete list of each jurisdiction where Company Bank owns or leases property and
assets or conducts its business. The deposits of Company Bank are insured by the Federal Deposit Insurance Corporation (the &#147;<U>FDIC</U>&#148;) in accordance with the Federal Deposit Insurance Act (the &#147;<U>FDIA</U>&#148;) to the fullest
extent permitted by Law, and all premiums and assessments required to be paid by or on behalf of Company Bank have been paid when due. No proceedings for the suspension, revocation or termination of such deposit insurance are pending nor, to the
Company&#146;s and Company Bank&#146;s Knowledge, since January&nbsp;1, 2016 has any such suspension, revocation or termination been threatened. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_22"></A>3.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Capitalization.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The authorized capital of the Company consists of 100,000,000&nbsp;shares of Company Voting Common Stock,
20,000,000 shares of Company <FONT STYLE="white-space:nowrap">Non-Voting</FONT> Common Stock and 30,000,000 shares of preferred stock, par value $0.01 per share (the &#147;<U>Company Preferred Stock</U>&#148;). As of the date of this Agreement,
there are (i)&nbsp;6,583,840 shares of Company Voting Common Stock issued and outstanding, (ii)&nbsp;1,092,139&nbsp;shares of Company <FONT STYLE="white-space:nowrap">Non-Voting</FONT> Common Stock issued and outstanding, (iii)&nbsp;no shares of
Company Preferred Stock issued and outstanding, (iv)&nbsp;no shares of Company Voting Common Stock held in treasury, (v)&nbsp;29,500&nbsp;shares of Company Common Stock reserved for issuance and issuable upon the exercise of outstanding Company
Stock Options, (vi) 150,000 shares of Company Common Stock reserved for issuance and issuable upon the exercise of outstanding Company Warrants, and (vii)&nbsp;no other shares of capital stock or other voting securities of the Company issued,
reserved for issuance and issuable, or outstanding. There are no shares of Company Common Stock held by Company Bank or any <FONT STYLE="white-space:nowrap">tax-qualified</FONT> employee benefit plan of the Company. All of the outstanding shares of
Company Common Stock are, and all shares of Company Common Stock reserved for issuance and issuable as noted above will be, when issued in accordance with the respective terms thereof, duly authorized, validly issued, fully paid and <FONT
STYLE="white-space:nowrap">non-assessable,</FONT> with no personal liability attaching to the ownership thereof, and have not been and shall not be, as applicable, issued in violation of, nor are they nor shall they be, as applicable, subject to,
preemptive rights held by any Person. All shares of the Company&#146;s capital stock issued and outstanding have been issued in compliance with all applicable federal and state securities Laws. The Closing Date Share Certification will accurately
set forth the number of shares of Company Common Stock (including shares of Company Common Stock underlying Company Warrants and Company Equity Awards) issued and outstanding immediately prior to the Effective Time.
<U>Section</U><U></U><U>&nbsp;3.3(a) of the Company Disclosure Schedule</U> sets forth a true, correct and complete list, as of the date of this Agreement, of all outstanding Company Warrants and Company Equity Awards, including the name of the
holder thereof, the number of shares of Company Common Stock subject to such Company Warrants and Company Equity Awards and, to the extent applicable, the exercise price, expiration date, date of grant and vesting schedule of such Company Warrants
and Company Equity Awards. The Company has made available to Parent true, correct and complete copies of the Company Equity Plans and the forms of all agreements related thereto, including any amendments or modifications thereto. Other than the
Company Equity Awards, no equity-based awards related to the Company&#146;s capital stock are outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;There are no outstanding options, warrants or other similar rights, convertible or exchangeable securities,
&#147;phantom equity&#148; rights, stock appreciation rights, equity-based performance units, agreements, arrangements, commitments or understandings, in each case, to which the Company or Company Bank is a party of any character relating to the
issued or unissued shares of capital stock or other securities of the Company or Company Bank or obligating the Company or Company Bank to issue (whether upon conversion, exchange or otherwise) or sell any shares of capital stock of, or other equity
interests in or other securities of, the Company or Company Bank. There are no obligations of the Company or Company Bank to repurchase, redeem or otherwise acquire any of the Company&#146;s or Company Bank&#146;s capital stock or any other
securities of the Company or Company Bank or to provide funds to or make any investment (in the form of a loan, capital contribution or otherwise) in Company Bank. Other than the Voting Agreements, there are no agreements, arrangements,
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-12 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
commitments or other understandings with respect to the voting of the Company&#146;s capital stock to which the Company is a party and, to the Knowledge of the Company, no such agreements between
any Persons exist. There are no agreements, arrangements, commitments or understandings under which the Company is obligated to register the sale of any of its securities under the Securities Act of 1933, as amended (the &#147;<U>Securities
Act</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Set forth in <U>Section</U><U></U><U>&nbsp;3.3(c) of the Company Disclosure Schedule</U> is a
true, correct and complete list of all of the issued and outstanding trust preferred securities, bonds, debentures, notes or other similar obligations that the Company or Company Bank has issued, including the holders thereof as of the date of this
Agreement. No bonds, debentures, notes or other indebtedness having the right to vote on any matters on which shareholders of the Company or Company Bank may vote are issued or outstanding. All outstanding trust preferred securities, bonds,
debentures, notes or other similar obligations of the Company or Company Bank were issued in compliance in all material respects with all applicable Laws. Company Bank has not issued securities held by any entity other than the Company. The Company
has made available to Parent true, correct and complete copies of all material documents with respect to any such issued and outstanding trust preferred securities, bonds, debentures, notes or other similar obligations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;As used in this Agreement with respect to any Person, &#147;<U>Subsidiary</U>&#148; means any corporation, business
trust, partnership, limited liability company, bank or other organization, whether incorporated or unincorporated, or other Person of which (i)&nbsp;such first Person directly or indirectly owns or controls at least a majority of the securities or
other interests having by their terms ordinary voting power to elect a majority of the board of directors or others performing similar functions or (ii)&nbsp;such first Person is, or directly or indirectly has the power to appoint, a general
partner, manager or managing member or others performing similar functions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_23"></A>3.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Subsidiaries.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Since the Company&#146;s formation, Company Bank has been the only direct or indirect Subsidiary of the Company.
The Company owns all of the issued and outstanding equity securities of Company Bank. No equity securities of Company Bank are or may become required to be issued (other than to the Company) by reason of any contractual right or otherwise. There are
no contracts, commitments, understandings or arrangements by which Company Bank is or may be bound to sell or otherwise transfer any of its equity securities (other than to the Company), and there are no contracts, commitments, understandings or
arrangements relating to the Company&#146;s rights to vote or to dispose of such securities. All of the equity securities of Company Bank owned by the Company were duly authorized and validly issued, are fully paid and
<FONT STYLE="white-space:nowrap">non-assessable,</FONT> are not subject to preemptive or similar rights, and are owned by the Company free and clear of all Liens, other than restrictions on transfer under applicable securities Laws. Company Bank is
not subject to any order (formal or informal), guidance, restriction or other impairment of its ability to undertake its operations and effect transactions that are normal and customary for its business. For purposes of this Agreement,
&#147;<U>Liens</U>&#148; means any liens, pledges, charges, encumbrances and security interests whatsoever. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The authorized capital of Company Bank consists of (i)&nbsp;100,000,000 shares of common stock, par value $1.00 per
share, of Company Bank (the &#147;<U>Company Bank Common Stock</U>&#148;), and (ii)&nbsp;30,000,000 shares of preferred stock, no par value per share, of Company Bank. As of the date of this Agreement, there are (i)&nbsp;4,379,970 shares of Company
Bank Common Stock issued and outstanding, and (ii)&nbsp;no shares of preferred stock issued and outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company (other than with respect to its ownership of Company Bank) nor Company Bank owns, beneficially
or of record, either directly or indirectly, any shares or equity interest in any depository institution (as defined in 12 U.S.C. &#167;&nbsp;1813(c)(1)), savings bank, savings and loan association, savings and loan holding company, credit union,
bank or bank holding company, insurance company, mortgage or loan broker or any other financial institution other than Company Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.4(d) of the Company Disclosure Schedule</U> sets forth a true, correct and complete list of all equity
securities or similar interests in a partnership or joint venture beneficially owned, directly or indirectly, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-13 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
by the Company or Company Bank (other than securities of Company Bank). The Integrated Mergers, the Bank Merger, this Agreement, the Bank Merger Agreement and the transactions contemplated hereby
and thereby will not violate the any of the terms of or result in a default under, and are not prohibited by the articles of incorporation, bylaws or equivalent organizational documents of, any such partnership or joint venture in which the Company
or Company Bank beneficially owns, directly or indirectly, equity securities or similar interests. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_24"></A>3.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Power and Authority.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Company and Company Bank has the full power and authority to own or lease, and operate, all of its
property and assets and to carry on its business as it is now being conducted. The Company has the requisite power and authority and is duly authorized to execute, deliver and perform its obligations under this Agreement and consummate the
transactions contemplated hereby, subject only to receipt of the Requisite Regulatory Approvals and the adoption and approval of this Agreement and the transactions contemplated hereby by the affirmative vote of the holders of at least a majority of
the outstanding shares of Company Common Stock entitled to vote thereon (the &#147;<U>Requisite Company Vote</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Company has made available to Parent a complete and correct copy of the articles of incorporation and bylaws or
equivalent organizational documents, each as amended to date, of the Company and Company Bank, the minute books of the Company and Company Bank and the share ledgers and share transfer books of the Company and Company Bank. Neither the Company nor
Company Bank is in violation of any of the terms of such entity&#146;s articles of incorporation, bylaws or equivalent organizational documents, each as amended to date. The minute books of the Company and Company Bank contain records of all
meetings held by, and all other corporate or other actions of, their respective shareholders, members or partners and boards of directors (including committees of their respective boards of directors) or other governing bodies, which records are
complete and correct in all material respects. The equity ledgers and the equity transfer books of the Company and Company Bank contain complete and correct records of the ownership of the equity securities of the Company and Company Bank, subject
to any pending transfers of shares of Company Common Stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Subject only to the receipt of the Requisite
Company Vote, this Agreement and the transactions contemplated hereby have been authorized by all necessary corporate action of the Company and the Company Board on or prior to the date hereof. As of the date hereof, the Company Board, by
resolutions duly adopted at a meeting duly called and held on or prior to the date hereof, has (i)&nbsp;determined that this Agreement and the transactions contemplated hereby are fair to and in the best interests of the Company and its shareholders
and declared the Integrated Mergers to be advisable, (ii)&nbsp;approved this Agreement and the transactions contemplated hereby, (iii)&nbsp;recommended that the shareholders of the Company adopt and approve this Agreement and the transactions
contemplated hereby, and (iv)&nbsp;directed that this Agreement be submitted for consideration and vote by the Company&#146;s shareholders (and such other Persons entitled to vote in respect of matters covered thereby) at the Company Meeting; and,
except for the receipt of the Requisite Company Vote in accordance with the NYBCL and the Company&#146;s certificate of incorporation and bylaws, no other corporate or other proceedings on the part of the Company or Company Bank (including any vote
of the shareholders of the Company) is required by applicable Law, the certificate of incorporation or bylaws of the Company, or otherwise to approve this Agreement and the transactions contemplated hereby. The Company has duly executed and
delivered this Agreement, and, assuming due authorization, execution and delivery by Parent, this Agreement constitutes a valid and legally binding obligation of the Company, enforceable against the Company in accordance with its terms (except as
enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar Laws of general applicability relating to or affecting creditors&#146; rights or by general equity principles (the
&#147;<U>Enforceability Exceptions</U>&#148;)). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;The Board of Directors of Company Bank has adopted the Bank
Merger Agreement. The Company, as the sole shareholder of Company Bank, has approved the Bank Merger Agreement, and the Bank Merger Agreement has been duly and validly executed and delivered by Company Bank. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-14 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_25"></A>3.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents and Approvals; <FONT
STYLE="white-space:nowrap">Non-Contravention;</FONT> No Defaults.</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;No consents or approvals of, or waivers
by, or filings or registrations with, any court, administrative agency or commission or other governmental authority or instrumentality or self-regulatory organization (each, a &#147;<U>Governmental Entity</U>&#148;) are required to be made or
obtained by the Company or Company Bank in connection with the execution, delivery or performance by the Company of this Agreement or to consummate the transactions contemplated hereby, or in connection with the execution, delivery or performance by
Company Bank of the Bank Merger Agreement or to consummate the transactions contemplated thereby, except for: (i)&nbsp;filings of applications, notices or waiver requests, as applicable, with the Federal Reserve Board, the FDIC and the New York
Department of Financial Services (the &#147;<U>NYDFS</U>&#148;) and obtaining any required consents, approvals or waivers with respect to such applications, notices or waiver requests; (ii)&nbsp;filing the First-Step Merger Certificate with the New
York Secretary; (iii)&nbsp;filing the Second-Step Merger Certificates with the Delaware Secretary and the New York Secretary; (iv)&nbsp;filings of applications, notices or waiver requests, as applicable, with state licensing or regulatory
authorities as set forth in <U>Section</U><U></U><U>&nbsp;3.6(a) of the Company Disclosure Schedule</U> and obtaining any required consents, approvals or waivers with respect to such applications, notices or waiver requests; (v)&nbsp;making any
notices or filings and awaiting the expiration or early termination of the waiting period under the Hart-Scott-Rodino Antitrust Improvements Act of 1976, as amended, any successor statute thereto, and the rules and regulations promulgated
thereunder, if any is required; (vi)&nbsp;making any filings with and obtaining any consents in connection with compliance with the applicable provisions of the rules and regulations of any applicable industry self-regulatory organization or that
are required under consumer finance, mortgage banking and other similar Laws; and (vii)&nbsp;such filings and approvals as are required to be made or obtained under the securities or &#147;blue sky&#148; Laws of various states. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Subject to the receipt of the consents, approvals and waivers referred to in
<U>Section</U><U></U><U>&nbsp;3.6(a)</U> and the Requisite Company Vote, the execution, delivery and performance of this Agreement and the consummation of the transactions contemplated hereby by the Company, and the execution, delivery and
performance of the Bank Merger Agreement and the consummation of the transactions contemplated thereby by Company Bank, do not and will not (i)&nbsp;constitute a breach or violation of, or a default under, the respective articles of incorporation,
bylaws or similar governing documents of the Company or Company Bank, (ii)&nbsp;except as would not be material, violate any applicable Law or obligation imposed by any Governmental Entity on the Company or Company Bank, or any of their respective
properties or assets, (iii)&nbsp;conflict with, result in a breach or violation of any provision of, or the loss of any benefit under, or a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result
in the creation of any Lien under, result in a right of termination or the acceleration of any right or obligation under, any permit, license, credit agreement, indenture, loan, deed of trust, note, bond, mortgage, reciprocal easement agreement,
lease, instrument, concession, contract, franchise, agreement or other instrument or obligation of the Company or Company Bank or to which the Company or Company Bank, or their respective properties or assets, is subject or bound, or
(iv)&nbsp;require the consent or approval of any third party or Governmental Entity under any such applicable Law, permit, license, credit agreement, indenture, loan, deed of trust, note, bond, mortgage, reciprocal easement agreement, lease,
instrument, concession, contract, franchise, agreement or other instrument or obligation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Company has no
Knowledge of any reason why the Requisite Regulatory Approvals will not be received in customary time frames from the applicable Governmental Entities having jurisdiction over the transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_26"></A>3.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Statements; No Undisclosed Liabilities</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Prior to the execution of this Agreement, the Company has delivered to Parent true, correct and complete copies of
the following financial statements (which are set forth in <U>Section</U><U></U><U>&nbsp;3.7(a) of the Company Disclosure Schedule</U>): (i)&nbsp;the Company&#146;s consolidated audited balance sheets as of December&nbsp;31, 2018, 2017 and 2016 and
the related consolidated audited statements of income, comprehensive income, stockholders&#146; equity and cash flows for the fiscal years then ended (the &#147;<U>Company Audited Financial Statements</U>&#148;), together with a true,
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-15 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
correct and complete copy of the report on such audited information by the Company&#146;s independent accountants, and all letters from such accountants with respect to the results of such
audits; and (ii)&nbsp;the Company&#146;s consolidated unaudited balance sheets as of June&nbsp;30, 2019 and the related consolidated unaudited statements of income for the <FONT STYLE="white-space:nowrap">six-month</FONT> period then ended (the
&#147;<U>Company Unaudited Financial Statements</U>&#148;). The Company Audited Financial Statements and the Company Unaudited Financial Statements are collectively referred to in this Agreement as the &#147;<U>Company Financial
Statements</U>&#148;. All such Company Financial Statements (i)&nbsp;were prepared in accordance with GAAP, (ii)&nbsp;fairly present (subject, in the case of the Company Unaudited Financial Statements, to normal and recurring <FONT
STYLE="white-space:nowrap">year-end</FONT> adjustments which will not, individually or in the aggregate, be materially adverse and to the absence of footnote disclosures that, if presented, would not differ materially from those included in the most
recent Company Audited Financial Statements) in all material respects its financial condition and results of operations at and as of the respective dates thereof and for the respective periods covered thereby and (iii)&nbsp;are supported by and
consistent with the general ledger and detailed trial balances of investment securities, loans and commitments, depositors&#146; accounts and cash balances on deposit with other institutions, true, correct and complete copies of which have been made
available to Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank has any liabilities or obligations of any nature
whatsoever (whether absolute, accrued, contingent or otherwise and whether due or to become due), except for those liabilities that (i)&nbsp;are reflected or reserved against on the latest Company Financial Statements, (ii)&nbsp;were incurred in the
ordinary course of business, (iii)&nbsp;are incurred in connection with this Agreement and the transactions contemplated hereby or (iv)&nbsp;are set forth in <U>Section</U><U></U><U>&nbsp;3.7(b) of the Company Disclosure Schedule</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Company and Company Bank maintains accurate books and records reflecting its assets and liabilities and
maintains proper and adequate internal accounting controls, which provide assurance that: (A)&nbsp;transactions are executed with management&#146;s authorization; (B)&nbsp;transactions are recorded as necessary to permit preparation of the
consolidated financial statements of the Company in accordance with GAAP and to maintain accountability for the Company&#146;s consolidated assets; (C)&nbsp;access to the Company&#146;s assets is permitted only in accordance with management&#146;s
authorization; (D)&nbsp;the reporting of the Company&#146;s assets is compared with existing assets at regular intervals; and (E)&nbsp;accounts, notes and other receivables and assets are recorded accurately, and proper and adequate procedures are
implemented to effect the collection thereof on a current and timely basis. Such records, systems, controls, data and information of the Company and Company Bank is recorded, stored, maintained and operated under means (including any electronic,
mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of the Company or Company Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2016, neither the Company nor Company Bank, nor to the Company&#146;s Knowledge, any
director, officer, employee, auditor, accountant or representative of the Company or Company Bank, has received or otherwise had or obtained Knowledge of any complaint, allegation, assertion or claim, whether written or oral, regarding a material
weakness, significant deficiency or other defect or failure in the accounting or auditing practices, procedures, methodologies or methods of the Company or Company Bank or their respective internal accounting controls, including any complaint,
allegation, assertion or claim that the Company or Company Bank has engaged in questionable accounting or auditing practices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_27">
</A>3.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Reports</U>. Since January&nbsp;1, 2016, the Company and Company Bank have duly and timely filed with (i)&nbsp;the OCC, (ii)&nbsp;the Federal Reserve Board, (iii)&nbsp;the FDIC and (iv)&nbsp;each
applicable local, state or foreign regulatory authority and self-regulatory organization having jurisdiction over the Company or Company Bank (clauses&nbsp;(i)&#150;(iv) collectively, &#147;<U>Regulatory Agencies</U>&#148;), and each other
Governmental Entity having jurisdiction over the Company or Company Bank, in correct form, all reports, statements and other documents required to be filed by them under applicable Law, together with any amendments required to be made with respect
thereto, and all other reports or statements required to be filed by them pursuant to the Laws of the United States, any state or political subdivision (including local jurisdictions), any foreign jurisdiction, or any other Governmental Entity, and
the Company and Company Bank have paid all fees and assessments due and payable in connection therewith. All such reports were, in all material respects, complete and correct and in compliance </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-16 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
with the requirements of applicable Law. Except where prohibited by applicable Law, the Company has made available to Parent true, correct and complete copies of all such reports, including any
and all amendments and modifications thereto. No report, including any report filed with any Regulatory Agency, and no report or offering materials made or given to shareholders of the Company or Company Bank as of the respective dates thereof,
contained any untrue statement of a material fact or omitted to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. No report,
including any report filed with any Regulatory Agency or other Governmental Entity, and no report or offering materials made or given to shareholders of the Company or Company Bank to be filed or disseminated after the date of this Agreement will
contain any untrue statement of a material fact or will omit to state a material fact required to be stated therein or necessary to make the statements therein, in light of the circumstances under which they will be made, not misleading. The call
reports of Company Bank and the accompanying schedules, as filed with the OCC, for each calendar quarter beginning with the quarter ended June&nbsp;30, 2016, through the Closing Date, have been, and will be, prepared in accordance with applicable
regulatory requirements, including applicable regulatory accounting principles and practices through periods covered by such reports. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_28">
</A>3.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Broker</U><U>s</U>.&nbsp;Neither the Company nor Company Bank, nor any of their respective officers or directors, has employed any broker or finder or incurred, nor will it incur, any liability for any broker&#146;s
fees, commissions or finder&#146;s fees in connection with any of the transactions contemplated by this Agreement, except as listed in <U>Section</U><U></U><U>&nbsp;3.9 of the Company Disclosure Schedule</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_29"></A>3.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Certain Changes or Events.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Since December&nbsp;31, 2018, there has not been any change or development in the business, operations, assets,
liabilities, condition (financial or otherwise), results of operations, cash flows or properties of the Company or Company Bank which has had, or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on
the Company, and to the Company&#146;s Knowledge, no fact or condition exists which is reasonably likely to cause a Material Adverse Effect with respect to the Company or Company Bank in the future. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Since December&nbsp;31, 2018, there has not been: (i)&nbsp;any change by the Company or Company Bank in its
accounting methods, principles or practices, other than changes required by applicable Law or GAAP or regulatory accounting as concurred by the Company&#146;s independent accountants; (ii)&nbsp;any declaration, setting aside or payment of any
dividend or distribution in respect of any shares of capital stock of the Company or Company Bank or any redemption, purchase or other acquisition of any of its securities; (iii)&nbsp;any increase in or award of or establishment, modification or
termination of any bonus, insurance, severance, deferred compensation, pension, retirement, profit sharing, option, equity compensation (including the granting of options, equity appreciation rights, performance awards, restricted stock awards,
restricted stock unit awards or deferred stock unit awards), stock purchase or other employee benefit plan or Company Benefit Plan, or any other increase in the compensation or benefits payable or to become payable to any directors, officers or
employees of the Company or Company Bank (other than normal salary adjustments to employees made in the ordinary course of business), or any grant of severance or termination pay, or any contract or arrangement entered into to make or grant any
severance or termination pay, any payment of any bonus, or the taking of any action not in the ordinary course of business with respect to the compensation or employment of directors, officers or employees of the Company or Company Bank;
(iv)&nbsp;any material election or material changes in existing elections, or adoption or change in any method of Tax accounting, made by the Company or Company Bank for federal, state, local or foreign Tax purposes; (v)&nbsp;any material change in
the credit policies or procedures of the Company or Company Bank implemented for any reason other than to comply with applicable Law, the effect of which was or is to make any such policy or procedure less restrictive in any material respect;
(vi)&nbsp;any material acquisition or disposition of any assets or properties, or any contract for any such acquisition or disposition entered into other than investment securities or loans and loan commitments purchased, sold, made or entered into
in the ordinary course of business; (vii)&nbsp;any lease of real or personal property entered into, other than in connection with foreclosed </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-17 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
property; or (viii)&nbsp;any action that, if taken after the date hereof, would constitute a breach of <U>Section</U><U></U><U>&nbsp;5.1</U> or <U>Section</U><U></U><U>&nbsp;5.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_30"></A>3.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal Proceedings.</U> Since January&nbsp;1, 2016, there have been no civil,
criminal, administrative or regulatory actions, suits, demand letters, demands for indemnification, claims, hearings, notices of violation, default or breach, arbitrations, investigations, orders to show cause, market conduct examinations, notices
of <FONT STYLE="white-space:nowrap">non-compliance</FONT> or other proceedings of any nature (each, an &#147;<U>Action</U>&#148;) filed or, to the Company&#146;s Knowledge, threatened against the Company or Company Bank or to which the Company or
Company Bank is or was a party or which, to the Company&#146;s Knowledge, otherwise relate to the Company or Company Bank, including any Action that in any manner challenges or seeks to prevent, enjoin, alter or delay the transactions contemplated
by this Agreement, nor has there been any judgment, decree, injunction, rule or order of any Governmental Entity or arbitrator outstanding against the Company or Company Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_31"></A>3.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax Matters.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Company and Company Bank has timely filed, or has caused to be timely filed on its behalf (taking into
account any extension of time within which to file), all Tax Returns that it was required to file under applicable Law. All such Tax Returns are true, correct and complete in all material respects and have been prepared in substantial compliance
with all applicable Law. All Taxes due and owing by the Company or Company Bank (whether or not shown on any Tax Return) have been timely paid. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Company and Company Bank has timely withheld and paid over, and collected and paid over, to the
appropriate Governmental Entity all Taxes required to have been withheld or collected, as applicable, and paid in connection with any amounts paid or owing to, or received or owing from, any employee, independent contractor, creditor, shareholder or
other third party, and each of the Company and Company Bank has complied in all material respects with all information reporting requirements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;There are no Liens for Taxes (other than Taxes not yet due and payable) upon any of the assets of the Company or
Company Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;No federal, state, local or other audits, investigations, actions, inquiries or other
proceedings in respect of any Tax are currently being conducted or pending with respect to the Company or Company Bank. Neither the Company nor Company Bank has received written notice of an assessment, proposed assessment, intent to open an audit
or other review, or any other claim, in each case, in connection with Taxes relating or attributable to any of the Company or Company Bank, and to the Company&#146;s Knowledge, no such assessments, audits, reviews or claims have been proposed or
threatened by any Governmental Entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;No written claim has been made by any Governmental Entity in a
jurisdiction where any of the Company or Company Bank does not file Tax Returns and pay Taxes that it is or may be subject to Taxes in such jurisdiction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;None of the Company or any of its affiliates has taken or agreed to take any action or knows of any circumstances
that could reasonably be expected to prevent the Integrated Mergers, taken together, from being treated as an integrated transaction that qualifies as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank has waived any statute of limitations in respect of Taxes, or agreed to any
extension of time with respect to a Tax assessment or deficiency, which period has not yet expired. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;Neither
the Company nor Company Bank has distributed shares of another Person nor had its shares distributed by another Person in a transaction that was purported or intended to be governed, in whole or in part, by Section&nbsp;355 or Section&nbsp;361 of
the Code. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-18 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank (i)&nbsp;has been a member
of an affiliated group filing a consolidated federal income Tax Return (other than a group the common parent of which was the Company), and (ii)&nbsp;has any liability for the Taxes of any Person (other than the Company or Company Bank), under
Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.1502-6</FONT> (or any similar provision of state, local or foreign Law), as a transferee, successor or as a result of similar liability, operation of law, by contract or otherwise.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;The Company has delivered or made available to Parent true, correct and complete copies of all income and
other material Tax Returns required to be filed by each of the Company and Company Bank for which the statute of limitations has not expired and any material correspondence with Governmental Entities with respect to such Tax Returns. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;All Tax Returns filed by or on behalf of the Company and Company Bank for all years to and including 2014 have been
examined by the applicable Governmental Entity or are Tax Returns with respect to which the period for assessment under applicable Law, after giving effect to extensions or waivers, has expired. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank has participated in a &#147;reportable transaction&#148; within the meaning of
Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.6011-4(b)(1)</FONT> or any comparable provision of state, local or foreign Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank is a party to or bound by any Tax sharing agreement, Tax indemnity obligation
or similar agreement or arrangement with respect to Taxes (other than (i)&nbsp;ordinary course commercial agreements not primarily related to Taxes, and (ii)&nbsp;agreements exclusively between or among the Company and Company Bank). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;The Company and Company Bank have established adequate reserves in the Company Financial Statements, in accordance
with GAAP, for the payment of all Taxes owed or accrued and not otherwise paid, and, since the date of the Company Unaudited Financial Statements, no material Taxes have accrued other than in the ordinary course of business. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank will be required to include any item of income in, or exclude any item of
deduction from, taxable income for any taxable period (or portion thereof) ending after the Closing Date as a result of any: (i)&nbsp;change in method of accounting for a taxable period ending on or prior to the Closing Date pursuant to
Section&nbsp;481 of the Code (or any similar provision of state, local or foreign Law); (ii) use of an improper method of accounting for a taxable period ending on or prior to the Closing Date, (iii)&nbsp;&#147;closing agreement&#148; as described
in Code Section&nbsp;7121 (or any corresponding or similar provision of state, local or foreign Law) executed on or prior to the Closing Date; (iv)&nbsp;intercompany transactions or any excess loss account described in Treasury Regulations under
Section&nbsp;1502 of the Code (or any corresponding or similar provision of state, local or foreign Law); (v) installment sale or open transaction disposition made on or prior to the Closing Date; (vi)&nbsp;method of accounting that defers the
recognition of income to any period ending after the Closing Date; (vii)&nbsp;prepaid amount received or accrued on or prior to the Closing Date; or (viii)&nbsp;election under Section&nbsp;108(i) of the Code. Neither the Company nor Company Bank
will be required to pay any Tax after the Closing as a result of any election under Section&nbsp;965(h) of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank owns equity in an entity organized in a jurisdiction outside of the United
States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank has received a ruling from, or has any written requests for
rulings or determinations pending with, any Governmental Entity in respect of any Tax. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(r)&nbsp;&nbsp;&nbsp;&nbsp;As used in this
Agreement, the term &#147;<U>Tax</U>&#148; or &#147;<U>Taxes</U>&#148; means all (i)&nbsp;taxes, charges, withholdings, fees, levies, imposts, duties and governmental fees or other like assessments or charges of any kind whatsoever in the nature of
taxes imposed by any federal, state, local, foreign or other Governmental Entity (including income, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-19 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
net income, gross income, receipts, capital, windfall profit, severance, property (real and personal), production, sales, goods and services, use, business and occupation, license, excise,
registration, franchise, employment, payroll (including social security contributions), withholding, alternative or <FONT STYLE="white-space:nowrap">add-on</FONT> minimum, intangibles, ad valorem, transfer, gains, stamp, customs, duties, estimated,
transaction, title, capital, <FONT STYLE="white-space:nowrap">paid-up</FONT> capital, profits, premium, value added, recording, inventory and merchandise, business privilege, federal highway use, commercial rent or environmental tax, and any
liability under unclaimed property, escheat, or similar Laws), (ii) interest, penalties, fines, additions to tax or additional amounts imposed by any Governmental Entity in connection with (x)&nbsp;any item described in clause (i)&nbsp;or
(y)&nbsp;the failure to comply with any requirement imposed with respect to any Tax Return, and (iii)&nbsp;liability in respect of any items described in clause (i)&nbsp;and/or clause&nbsp;(ii) payable by reason of contract, assumption, transferee,
successor or similar liability, operation of law (including pursuant to Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.1502-6</FONT> (or any predecessor or successor thereof or any analogous or similar state, local, or foreign
Law)) or otherwise. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(s)&nbsp;&nbsp;&nbsp;&nbsp;As used in this Agreement, the term &#147;<U>Tax Return</U>&#148; means any return,
declaration, form (including Form TD F <FONT STYLE="white-space:nowrap">90-22.1</FONT> and FinCEN Form 114 and any predecessor or successor forms), report, claim for refund, informational return (including all Internal Revenue Service
(&#147;<U>IRS</U>&#148;) Forms&nbsp;1099) or statement relating to Taxes, including any schedule or attachment thereto or amendment thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_32"></A>3.13&nbsp;&nbsp;&nbsp;&nbsp;<U>Employees and Employee Benefit Plans</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section</U><U></U><U>&nbsp;3.13(a) of the Company Disclosure Schedule</U> sets forth a true, correct and
complete list of (i)&nbsp;all Company Benefit Plans and (ii)&nbsp;each employee, former employee or director who has filed an election under Section&nbsp;83(b) of the Code with respect to any Company Equity Award, and the Company Equity Award to
which such election relates.&nbsp;For purposes of this Agreement, &#147;<U>Company Benefit Plans</U>&#148; means all employee benefit plans (as defined in Section&nbsp;3(3) of the Employee Retirement Income Security Act of 1974, as amended
(&#147;<U>ERISA</U>&#148;)), whether or not subject to ERISA, and all stock option, stock purchase, restricted stock, incentive, deferred compensation, retiree medical or life insurance, supplemental retirement, severance, retention, bonus,
employment, change in control or fringe benefit plans, programs, agreements or arrangements that are maintained, contributed to or sponsored or maintained by, or required to be contributed to, the Company or Company Bank for the benefit of any
current or former employee, officer or director of the Company or Company Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Company has delivered
true, correct and complete copies to Parent of (i)&nbsp;each written Company Benefit Plan, together with financial statements and actuarial reports for the three (3)&nbsp;most recent plan years, if applicable; (ii)&nbsp;each funding vehicle with
respect to each Company Benefit Plan, including all amendments; (iii)&nbsp;the most recent and any other determination letter (or advisory or opinion letter, as applicable), ruling or notice issued by any Governmental Entity with respect to each
Company Benefit Plan; (iv)&nbsp;the Form 5500 Annual Report (or evidence of any applicable exemption), including all schedules and attachments, for the three (3)&nbsp;most recent plan years for each Company Benefit Plan; (v)&nbsp;the most recent
summary plan description and any summary of material modifications thereto which relates to any for each Company Benefit Plan; (vi)&nbsp;any material correspondence with any Governmental Entity regarding any Company Benefit Plan;
(vii)&nbsp;nondiscrimination and coverage testing for three&nbsp;(3) most recent plan years; (viii)&nbsp;each other document, explanation or communication which describes any relevant aspect of any Company Benefit Plan that is not disclosed in
previously delivered materials; and (ix)&nbsp;any other documents, forms or other instruments reasonably requested by Parent. <U>Section</U><U></U><U>&nbsp;3.13(b) of the Company Disclosure Schedule</U> sets forth (A)&nbsp;a description of any
unwritten Company Benefit Plan, including a description of any material terms of such plan, and (B)&nbsp;a list of all perks or other fringe benefits that have been provided to any officers of the Company or Company Bank under any Company Benefit
Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Each Company Benefit Plan (i)&nbsp;has been in compliance and currently complies in all material
respects in form and in operation with all applicable requirements of ERISA, the Code or any other applicable Law, and has been operated in accordance with its terms, (ii)&nbsp;has been and is operated and funded in such a
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-20 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
manner as to qualify, where appropriate, for both federal and state purposes, for income tax exclusion to its participants, <FONT STYLE="white-space:nowrap">tax-exempt</FONT> income for its
funding vehicle, and the allowance of deductions and credits with respect to contributions thereto and (iii)&nbsp;that is intended to be qualified under Section&nbsp;401(a) of the Code has received a determination letter (or may rely on an opinion
or advisory letter) from the IRS that such Company Benefit Plan is so qualified, and nothing has occurred since the date of such determination that would cause such determination letter to become unreliable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;None of the Company, any predecessor that operated the business of the Company or any Company Plan Affiliate has at
any time participated in or made contributions to or has had or may reasonably be expected to have any other liabilities or potential liabilities (contingent or otherwise) with respect to an &#147;Company Benefit Plan&#148; (as defined in
Section&nbsp;3(3) of ERISA) which is or was (i)&nbsp;a &#147;multiemployer plan&#148; (as defined in Section&nbsp;3(37) or 4001(a)(3) of ERISA), (ii) a &#147;multiple employer plan&#148; (within the meaning of Code Section&nbsp;413(c)), (iii) a
&#147;multiple employer welfare arrangement&#148; (within the meaning of Section&nbsp;3(40) of ERISA), (iv)&nbsp;subject to Section&nbsp;302 or Title&nbsp;IV of ERISA or Section&nbsp;412 of the Code, or (v)&nbsp;a &#147;voluntary employees&#146;
beneficiary association&#148; within the meaning of Section&nbsp;509(c)(9) of the Code or other funding arrangement for the provision of welfare benefits (such disclosure to include the amount of any such funding). For purposes of this Agreement,
&#147;<U>Company Plan Affiliate</U>&#148; means the Company, Company Bank or any other Person, and any predecessor thereof, who is or was (at a relevant time with respect to which the Company has any liability) treated as a single employer or under
common control under Section&nbsp;414 of the Code or Section&nbsp;4001 of ERISA. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;With respect to each other
Company Benefit Plan, all contributions, payments, premiums, expenses, reimbursements or accruals for all periods ending prior to or as of the Effective Time (including periods from the first day of the then current plan year to the Effective Time)
have been timely made to each Company Benefit Plan or accrued in accordance with GAAP on the Company Financial Statements. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2016, there have been no actions, suits, investigations or claims filed or, to the Knowledge
of the Company, threatened with respect to any Company Benefit Plan or the assets thereof (other than routine claims for benefits) or with respect to the Company or any Company Plan Affiliate in connection with any Company Benefit Plan; and there
are no facts which could reasonably give rise to any liabilities, action, suit, investigation, or claim against any Company Benefit Plan, the Company, any Company Plan Affiliate, any fiduciary or plan administrator or other Person dealing with any
Company Benefit Plan or the assets thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;No Company Benefit Plan provides medical, health, life insurance
or other welfare-type benefits to retirees or former employees, owners or consultants or individuals who terminate (or have terminated) employment with the Company or any Company Plan Affiliate, or the spouses or dependents of any of the foregoing
(except for limited continued medical benefit coverage for former employees, their spouses and other dependents as required to be provided under Section&nbsp;4980B of the Code or Part 6 of Subtitle B of Title I of ERISA (&#147;<U>COBRA</U>&#148;) or
applicable similar state Law and at the sole cost of such former employee, spouse or other dependent). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;With
respect to all tax years prior to the Closing, the requirements of COBRA, the Affordable Care Act and the Health Insurance Portability and Accountability Act of 1996, as amended, and any similar applicable state Laws have been complied with and
satisfied with respect to each applicable Company Benefit Plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;No communication or disclosure has been made
by or on behalf of the Company that, at the time made, did not accurately reflect the terms and operations of any Company Benefit Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;Neither the execution and delivery of this Agreement nor the consummation of the transactions contemplated hereby
will (either alone or in combination with another event): (i)&nbsp;result in any payment or benefit becoming due, or increase the amount of any compensation or benefit due, to any employee or former employee
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-21 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or director of or other current or prior service provider to the Company or any Company Plan Affiliate; (ii)&nbsp;increase any benefits otherwise payable under any Company Benefit Plan;
(iii)&nbsp;result in the acceleration of the time of payment or vesting of any such compensation or benefits or set aside any assets to fund any benefits under any Company Benefit Plan; (iv)&nbsp;result in the payment of any amount that could,
individually or in combination with any other such payment, constitute an &#147;excess parachute payment,&#148; as defined in 280G(b)(1) of the Code; (v)&nbsp;result in the triggering or imposition of any restrictions or limitations on the rights of
the Company or any other Person to amend or terminate any Company Benefit Plan; or (vi)&nbsp;entitle the recipient of any payment or benefit to receive a &#147;gross up&#148; payment for any income or other Taxes that might be owed with respect to
such payment or benefit. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;Each Company Benefit Plan that is a
<FONT STYLE="white-space:nowrap">&#147;non-qualified</FONT> deferred compensation plan&#148; (as such term is defined in Section&nbsp;409A(d)(1) of the Code) has been in a written form and administered in such a manner that complies with the
requirements of Section&nbsp;409A of the Code and final regulations issued and outstanding thereunder. Neither the Company nor Company Bank, nor any Company Plan Affiliate, is under an obligation to <FONT STYLE="white-space:nowrap">gross-up</FONT>
any payment due to any Person for additional Taxes due pursuant to Section&nbsp;409A of the Code. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;Each Company
Benefit Plan may be amended, terminated, modified or otherwise revised by the plan sponsor, on and after the Closing, without further liability for future accruals to the plan sponsor or the Company or the Surviving Corporation. Each third-party
contract, agreement or arrangement with respect to any Company Benefit Plan may be canceled or liquidated with no more than sixty (60)&nbsp;days&#146; advance notice, and no such contract, agreement or arrangement assesses a surrender charge,
penalty, <FONT STYLE="white-space:nowrap">back-end</FONT> load or market value adjustment upon cancellation or liquidation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;The Company has, for purposes of each relevant Company Benefit Plan, correctly classified those individuals
performing services for the Company as common law employees, leased employees, independent contractors or agents of the Company, and no individual has been improperly excluded from any Company Benefit Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;There currently is not and never has been any Company Benefit Plan of the Company or any Company Plan Affiliate
that is or has been subject to the Laws of a jurisdiction other than the United States. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;The Company and
Company Bank do not sponsor, and have never sponsored, any &#147;employee stock ownership plan&#148; within the meaning of Section&nbsp;4975(e)(7) of the Code and no <FONT STYLE="white-space:nowrap">tax-qualified</FONT> plan of the Company or
Company Bank holds or has held Company Common Stock. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_33"></A>3.14&nbsp;&nbsp;&nbsp;&nbsp;<U>Labor Matters</U>.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Since January&nbsp;1, 2016: (i)&nbsp;there has not been any union representation or any labor strike, dispute,
work stoppage, lockout, or union organizational campaign pending or, to the Knowledge of the Company, threatened, against the Company; (ii)&nbsp;the Company has been in compliance in all material respects with all applicable Laws respecting labor
and employment, including provisions thereof relating to fair employment practices (including discrimination, harassment, and retaliation), terms and conditions of employment, immigration, workers&#146; compensation, occupational safety and health
requirements, employee classification, plant closings, mass layoffs, wages and hours, withholdings and deductions, disability rights or benefits, equal opportunity, labor relations, concerted activity, employee leave issues and unemployment
insurance and related matters; and (iii)&nbsp;there are not and have not been any pending, or, to the Knowledge of the Company, threatened, charges or claims against the Company or any of its current or former officers, directors, or employees,
before any Governmental Entity (including, without limitation, the Equal Employment Opportunity Commission, the Department of Labor, the National Labor Relations Board or any other federal, state or local agency responsible for the prevention or
evaluation of unlawful employment practices); (iv)&nbsp;the Company has not received written notice of an intent by any such Governmental Entity to investigate the Company and, to the Knowledge of the Company, no such investigation is in progress;
(v)&nbsp;all individuals who have provided services to the Company </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-22 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
have at all times been accurately classified by the Company with respect to such services as common law employees, leased employees, independent contractors or agents, have been properly
classified as exempt or <FONT STYLE="white-space:nowrap">non-exempt</FONT> employees; and have been properly compensated accordingly, as required by applicable Law; and (vi)&nbsp;the Company is in material compliance with and has not effectuated a
&#147;mass layoff,&#148; &#147;plant closing,&#148; &#147;relocation&#148; or &#147;termination,&#148; nor incurred any liability or obligation under, the Worker Adjustment and Retraining Notification Act of 1988, as amended, or any state or local
equivalent Law that remains unsatisfied. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.14(b) of the Company Disclosure Schedule</U> sets forth
a true, correct and complete list of all individuals employed or engaged by the Company as of the date hereof, including: (i)&nbsp;name; (ii)&nbsp;job title; (iii)&nbsp;principal work location; (iv)&nbsp;job classification <FONT
STYLE="white-space:nowrap">(exempt/non-exempt/contractor);</FONT> (v) full or part-time status; (vi)&nbsp;whether active, on a leave of absence (including the nature of the leave and anticipated return to work date) or on layoff status;
(vii)&nbsp;method and rate of compensation (including salary or hourly rate, bonus eligibility, commission, incentive pay and/or any other compensation opportunity); (viii) accrued vacation or other paid time off; (ix)&nbsp;any severance pay or
other benefit or right upon termination of employment; and (x)&nbsp;whether said employment is subject to any written agreements, including employment agreements, restrictive covenant agreements, equity or incentive agreements, bonus agreements,
labor contracts, change of control agreements, or other written terms.&nbsp;<U>Section</U><U></U><U>&nbsp;3.14(b) of the Company Disclosure Schedule</U> additionally sets forth a true, correct and complete list of any employee terminated from the
Company within the twelve (12)&nbsp;months preceding the date hereof, including the information described in (i)&nbsp;through (v)&nbsp;above, and the date of and reason for termination. All severance, settlement, or other obligations to any former
Company employee have been fully satisfied, and the Company has delivered to Parent true, correct and complete copies of all employee manuals and handbooks, disclosure materials, policy statements and other materials relating to the employment of
Company employees, as well as all written agreements (including all amendments and modifications thereto) required to be identified in <U>Section</U><U></U><U>&nbsp;3.14(b) of the Company Disclosure Schedule</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_34"></A>3.15&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Applicable Law</U><U>.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The Company and Company Bank are, and have been since January&nbsp;1, 2016, in compliance in all material respects
with, and are not in material default or violation of, all applicable federal, state, local and foreign Laws applicable thereto or to the employees conducting the businesses of the Company and Company Bank, including New York banking Laws, Laws
related to data protection or privacy, Sections 23A and 23B of the Federal Reserve Act, the Equal Credit Opportunity Act, the Community Reinvestment Act, the USA PATRIOT Act, the Dodd-Frank Act, the Federal Consumer Credit Protection Act, the
Gramm-Leach-Bliley Act of 1999, the Bank Secrecy Act, the Truth in Lending Act, the Servicemembers Civil Relief Act, the Right to Financial Privacy Act, the BHC&nbsp;Act, the FDIA, the Fair Debt Collection Practices Act, the Electronic Fund Transfer
Act, the Fair Credit Reporting Act (as amended by the Fair and Accurate Credit Transactions Act of 2003), the Real Estate Settlement Procedures Act, the Home Mortgage Disclosure Act, the Fair Housing Act, the SAFE Mortgage Licensing Act of 2008, the
Immigration Reform and Control Act of 1986, as amended, and, in each case, the rules and regulations promulgated thereunder, all other applicable fair lending Laws and other applicable Laws relating to consumer financial protection, discriminatory
lending, financing, leasing or business practices, regulations promulgated by the Consumer Financial Protection Bureau, all applicable money laundering Laws of any jurisdiction and any related or similar Laws issued, administered or enforced by any
Governmental Entity (collectively, the &#147;<U>Money Laundering Laws</U>&#148;), all applicable Laws relating to the origination, sale, servicing, administration and collection of mortgage loans, commercial loans and consumer loans, and all state
usury Laws and federal Laws concerning interest rates. As used in this Agreement, &#147;<U>Law</U>&#148; or &#147;<U>Laws</U>&#148; means any federal, state, local or foreign or provincial law, statute, ordinance, rule, regulation, order, policy,
guideline or agency requirement of or undertaking to or agreement with any Governmental Entity, including common law. The Company and Company Bank are, and have been since January&nbsp;1, 2016, in compliance in all material respects with all
policies and procedures adopted by the Company and Company Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Company Bank has a Community Reinvestment Act
rating of not less than &#147;satisfactory&#148; in its most recently completed exam, has received no material criticism from regulators with respect to discriminatory </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-23 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
lending practices and, to the Knowledge of the Company, there are no conditions, facts or circumstances, or pending investigations, that could result in a downgrade of Company Bank&#146;s
Community Reinvestment Act rating to less than &#147;satisfactory&#148; or could result in material criticism from regulators or consumers with respect to discriminatory lending practices. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank (nor, to the Knowledge of the Company, any of their respective directors,
executives, officers, employees or representatives) (i)&nbsp;used any corporate funds of the Company or Company Bank or any of their respective affiliates for any unlawful contribution, gift, entertainment or other unlawful expenses relating to
political activity, (ii)&nbsp;made any direct or indirect unlawful payment to any foreign or domestic government official or employee from corporate funds of the Company or Company Bank or any of their respective affiliates, (iii)&nbsp;violated or
is in violation of any provision of the U.S. Foreign Corrupt Practices Act of 1977, as amended, (iv)&nbsp;made any bribe, unlawful rebate, payoff, influence payment, kickback or other unlawful payment to any Person, private or public, regardless of
form, whether in money, property or services, to obtain favorable treatment in securing business to obtain special concessions for the Company or Company Bank or any of their respective affiliates, to pay for favorable treatment for business secured
or to pay for special concessions already obtained for the Company or Company Bank or any of their respective affiliates, (v)&nbsp;established or maintained any unlawful fund of monies or other assets of the Company or Company Bank or any of their
respective affiliates, (vi)&nbsp;made any fraudulent entry on the books and records of the Company or Company Bank or any of their respective affiliates or (vii)&nbsp;violated or is in violation of the Money Laundering Laws. No action, suit or
proceeding by or before any Governmental Entity or any arbitrator involving the Company or Company Bank or any of their respective affiliates with respect to the Money Laundering Laws is pending or, to the Knowledge of the Company, threatened, and
there are no conditions, facts or circumstances that could result in the Company or Company Bank being deemed to be operating in violation of the Bank Secrecy Act and its implementing regulations (31 C.F.R. Chapter&nbsp;X), the USA PATRIOT Act, any
order issued with respect to anti-money laundering by OFAC or any other applicable Money Laundering Law. The Board of Directors of Company Bank has adopted, and Company Bank has implemented, an anti-money laundering program that contains adequate
and appropriate customer identification verification procedures and that meets the requirements of Sections 352 and 326 of the USA PATRIOT Act. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Except as required by the Bank Secrecy Act, to the Knowledge of the Company, no employee of the Company or Company
Bank or any of their respective affiliates has provided or is providing information to any law enforcement agency regarding the commission or possible commission of any crime or the violation or possible violation of any applicable Law by the
Company or Company Bank or any employee thereof acting in its capacity as such. Neither the Company nor Company Bank, nor any officer, employee, contractor, subcontractor or agent of the Company or Company Bank, has discharged, demoted, suspended,
threatened, harassed or in any other manner discriminated against any employee of the Company or Company Bank in the terms and conditions of employment because of any act of such employee described in 18 U.S.C. &#167;&nbsp;1514A(a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;The Company, Company Bank and all partnerships, joint ventures or any other entities in which the Company has a
beneficial equity interest and their respective employees have all material permits, licenses, authorizations, orders and approvals of, and each has made all filings, applications and registrations with, all Governmental Entities that are required
in order to permit it to own or lease its properties and to conduct its business as presently conducted, except where the absence of such permit, license, authorization, order or approval is not material. All such permits, licenses, certificates of
authority, orders and approvals are in full force and effect and, to the Company&#146;s Knowledge, no suspension or cancellation of any of them is threatened, except where the absence of such permit, license, authorization, order or approval is not
material. The Company has made available to Parent true, correct and complete copies of all such permits, licenses, certificates of authority, orders and approvals. Neither the Company nor Company Bank has any approved but unopened offices or
branches. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Except where such disclosure is prohibited by applicable Law, neither Company nor Company Bank has
received, since January&nbsp;1, 2016, written or, to the Company&#146;s Knowledge, oral notification from any </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-24 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Governmental Entity (i)&nbsp;asserting that it is not in compliance with any of the Laws which such Governmental Entity enforces, (ii)&nbsp;indicating the initiation of, or the pending initiation
of, any proceeding or investigation into the business or operations of the Company or Company Bank, or (iii)&nbsp;threatening to revoke any license, franchise, permit or governmental authorization (nor to the Company&#146;s Knowledge do any grounds
for any of the foregoing exist). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Except where such disclosure is prohibited by applicable Law, there:
(A)&nbsp;is no written, or to the Knowledge of the Company, oral unresolved violation or exception by any Governmental Entity relating to any examinations or inspections of the Company or Company Bank; (B)&nbsp;have been no written, or to the
Knowledge of the Company, oral formal or informal inquiries by, or disagreements or disputes with, any Governmental Entity with respect to the Company&#146;s or Company Bank&#146;s business, operations, policies or procedures since December&nbsp;31,
2015; and (C)&nbsp;is not any pending or, to the Knowledge of the Company, threatened, nor has any Governmental Entity indicated an intention to conduct, any investigation or review of the Company or Company Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;The Company and Company Bank, as applicable, are the sole owners of all IIPI relating to customers, former
customers and prospective customers that will be transferred to Parent or a Subsidiary of Parent pursuant to this Agreement and the other transactions contemplated hereby. As used in this <U>Section</U><U></U><U>&nbsp;3.15(h)</U>,
&#147;<U>IIPI</U>&#148; means any information relating to an identified or identifiable natural person, including &#147;personally identifiable financial information&#148; as that term is defined in 12 CFR Part 1016. The Company and Company Bank
have adopted and maintain privacy policies regarding the collection and use of IIPI, and such collection and use of such IIPI and the transfer of such IIPI to Parent or any of its Subsidiaries comply with all applicable privacy policies, the Fair
Credit Reporting Act, the Gramm-Leach-Bliley Act and, in each case, the rules and regulations promulgated thereunder, and all other applicable state, federal and foreign privacy Laws and with any contract or industry standard relating to privacy.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_35"></A>3.16&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Material Contracts; Defaults.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank or any of their respective affiliates is a party to, bound by or subject to
any agreement, contract, arrangement, commitment or understanding (whether written or oral): (i) with respect to the employment or compensation of any Company or Company Bank directors, officers or employees (whether current or for which liability
remains outstanding), including any bonus, option, change in control, transaction bonus, phantom equity, restricted shares, equity appreciation right or other employee benefit or compensation agreements or arrangements; (ii)&nbsp;which would entitle
any present or former director, officer or employee of the Company or Company Bank to indemnification from the Company or Company Bank or liability insurance coverage; (iii)&nbsp;which, upon the execution or delivery or shareholder adoption of this
Agreement, or the consummation of the transactions contemplated hereby, will (either alone or upon the occurrence of any additional acts or events) result in any payment or benefit (whether <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">change-of-control,</FONT></FONT> severance pay or otherwise) becoming due from the Company, Company Bank, the Surviving Corporation or any of their respective Subsidiaries to any officer, director or employee thereof, or
which would otherwise provide for a payment or benefit to such Person upon a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">change-of-control;</FONT></FONT> (iv)&nbsp;the liabilities or benefits of which will be increased, or the
vesting of benefits or payments of which will be accelerated, or funding required, by the occurrence of any of the transactions contemplated by this Agreement, or the value of any of the benefits of which will be calculated on the basis of any of
the transactions contemplated by this Agreement; (v)&nbsp;which grants any right of first refusal, right of first offer or similar right with respect to any material assets or properties of the Company or Company Bank; (vi)&nbsp;related to the
borrowing by the Company or Company Bank of money other than those entered into in the ordinary course of business or between the Company and Company Bank and any guaranty of any obligation for the borrowing of money, excluding endorsements made for
collection, repurchase or resell agreements, letters of credit and guaranties made in the ordinary course of business; (vii)&nbsp;relating to the lease of real property or personal property; (viii)&nbsp;relating to any joint venture, partnership,
limited liability company agreement or other similar agreement or arrangement, or to the formation, creation or operation, management or control of any material partnership or joint venture with any third parties or which limits
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-25 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
payments of dividends; (ix)&nbsp;which relates to capital expenditures and involves future annual payments by the Company or Company Bank in excess of $15,000 individually or $25,000 in the
aggregate, (x)&nbsp;which relates to the disposition or acquisition of material assets or any material interest in any Person, in each case, outside the ordinary course of business of the Company or Company Bank; (xi)&nbsp;which is not terminable on
sixty (60)&nbsp;days&#146; or less notice and involving the payment of more than $25,000 per annum; (xii)&nbsp;which contains a <FONT STYLE="white-space:nowrap">non-compete,</FONT> exclusive dealing or
<FONT STYLE="white-space:nowrap">non-solicit</FONT> requirement or any other provision that materially restricts the conduct of any line of business, in any geographic area or with any Person, by the Company, Company Bank or any of their respective
affiliates or upon consummation of the Integrated Mergers will materially restrict the ability of the Surviving Corporation or any of its affiliates to engage in any line of business, in any geographic area or with any Person, or which limits or
purports to limit the ability of the Company or Company Bank (or, following consummation of the transactions contemplated hereby, Parent or any of its Subsidiaries) to own, operate, sell, transfer, pledge or otherwise dispose of any material assets
or business; (xiii)&nbsp;pursuant to which the Company or Company Bank may become obligated to invest in or contribute capital to any entity; (xiv)&nbsp;that transfers any Intellectual Property rights (other than
<FONT STYLE="white-space:nowrap">non-exclusive</FONT> licenses to generally available commercial software), by way of assignment, license, sublicense, agreement or other permission, to or from the Company or Company Bank and that is material (for
the avoidance of doubt, any inventions, conceptions, ideas, processes, designs, improvements, and discoveries (whether patentable or unpatentable and whether or not reduced to practice), and all patents, patent applications, patent disclosures and
industrial designs, including any provisionals, <FONT STYLE="white-space:nowrap">non-provisionals,</FONT> continuations, divisionals, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">continuations-in-part,</FONT></FONT> renewals,
reissues, refilings, revisions, extensions and reexaminations thereof, statutory invention registrations, and U.S. or foreign counterparts of any patents or applications for any of the foregoing (collectively, &#147;<U>Patents</U>&#148;) shall be
deemed material); (xv) to which any Governmental Entity was a party; (xvi)&nbsp;that provide for indemnification, contribution or any guaranty in favor of any officer or director or that were not entered into in the ordinary course of business;
(xvii)&nbsp;which provide for payments or benefits which, together with other payments or benefits payable to such Person, might render any portion of any such payments or benefits subject to disallowance of deduction therefor as a result of the
application of Section&nbsp;280G of the Code or which provides for a &#147;gross up&#148; or indemnification for Taxes; (xviii)&nbsp;that are Recourse Agreements or to which any Investor was or is a party; (xix)&nbsp;which would prohibit or delay
the consummation of any of the transactions contemplated by this Agreement; or (xx)&nbsp;that is not otherwise described in clauses (i)-(xix) and is material to the Company or Company Bank. Each contract, arrangement, commitment or understanding of
the type described in this <U>Section</U><U></U><U>&nbsp;3.16(a)</U> is set forth in <U>Section</U><U></U><U>&nbsp;3.16(a) of the Company Disclosure Schedule</U> and is referred to herein as a &#147;<U>Company Material Contract</U>.&#148; The
Company has previously made available to Parent true, correct and complete copies of each such Company Material Contract, including any and all amendments and modifications thereto, together with all documents concerning any default or breach set
forth in <U>Section</U><U></U><U>&nbsp;3.16(b)</U> below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;(i) Each Company Material Contract is valid and
binding on the Company and Company Bank to the extent Company Bank is a party thereto, as applicable, and, to the Knowledge of the Company, each other party thereto, and is in full force and effect and enforceable in accordance with its terms,
except to the extent that validity and enforceability may be limited by the Enforceability Exceptions; and (ii)&nbsp;neither the Company nor Company Bank is in default or breach, nor has any event occurred that, with the giving of notice or the
passage of time or both, would constitute a default or breach by the Company or Company Bank which would give rise to any right of notice, modification, acceleration, payment, cancellation or termination of or by another party under, or in any
manner release any party thereto from any obligation under, any Company Material Contract or other material agreement, commitment, arrangement, Lease, Insurance Policy or other instrument to which it is a party, by which its assets, business, or
operations may be bound or affected, or under which its assets, business, or operations receives benefits, and, to the Company&#146;s Knowledge, no other party thereto is in default or breach, nor has any event occurred that with the giving of
notice or the passage of time or both would constitute a default or breach by any other party thereto or that would give rise to any right of notice, modification, acceleration, payment, cancellation or termination of or by the Company or Company
Bank under, or in any manner release any party thereto from any obligation under any such Company Material Contract or other material agreement, commitment, arrangement, Lease, Insurance Policy or other instrument to which it is a party, by which
its assets, business, or operations may be bound or affected, or under which its assets, business, or operations receives </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-26 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
benefits. No material power of attorney or similar authorization given by the Company or Company Bank is currently outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.16(c) of the Company Disclosure Schedule</U> sets forth a true, correct and complete list of all
Company Material Contracts pursuant to which consents, waivers or notices are or may be required to be given thereunder, in each case, prior to the consummation of the Integrated Mergers and the other transactions contemplated by this Agreement.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;With respect to any material agreement, commitment, arrangement, lease, insurance policy or other instrument
that is of a nature that would be disclosed in <U>Section</U><U></U><U>&nbsp;3.16(a) of the Company Disclosure Schedule</U> but for the fact that it is no longer valid or binding on the Company or Company Bank, since January&nbsp;1, 2016, neither
the Company nor Company Bank, nor to the Company&#146;s Knowledge, any other party thereto, was in default or breach, nor did any event occur that, with the giving of notice or the passage of time or both, would have constituted a default or breach
which would have given rise to any right of notice, modification, acceleration, payment, cancellation or termination of or by another party under, or in any manner release any party thereto from any obligation under, any such material agreement,
commitment, arrangement, lease, insurance policy or instrument to which it is a party, by which its assets, business, or operations may have been bound or affected, or under which its assets, business, or operations received benefits. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_36"></A>3.17&nbsp;&nbsp;&nbsp;&nbsp;<U>Agreements with Regulatory Agencies</U>.&nbsp;Except where such disclosure is
prohibited by applicable Law, neither the Company nor Company Bank is subject to any <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">cease-and-desist</FONT></FONT> or other order or enforcement action issued by, or is a party to
any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or similar undertaking to, or is subject to any restriction, directive or other requirement imposed by, or has been ordered to pay
any civil money penalty by, or has been since December&nbsp;31,&nbsp;2015 a recipient of any supervisory letter from, or since December&nbsp;31,&nbsp;2015 has adopted any policies, procedures or board resolutions at the request or suggestion of, any
Governmental Entity that currently restricts or may restrict in any respect the conduct of their business or that in any manner relates to their capital adequacy, ability to pay dividends, ability to offer banking products or services, credit or
risk management policies, management or other business (each, a &#147;<U>Company Regulatory Agreement</U>&#148;), nor has the Company or Company Bank been advised in writing or, to the Knowledge of the Company, orally, since December&nbsp;31, 2015,
by any Regulatory Agency or other Governmental Entity that it is considering issuing, initiating, ordering or requesting any such Company Regulatory Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_37"></A>3.18&nbsp;&nbsp;&nbsp;&nbsp;<U>Derivative Transactions</U>. Neither the Company nor Company Bank engages in
any Derivative Transactions. As used in this Agreement, &#147;<U>Derivative Transaction</U>&#148; means any swap transaction, option, warrant, forward purchase or sale transaction, futures transaction, cap transaction, floor transaction or collar
transaction, in each case, relating to one or more currencies, commodities, bonds, equity securities, loans, interest rates, catastrophe events, weather-related events, credit-related events or conditions or any indexes, or any other similar
transaction (including any option with respect to any of these transactions) or combination of any of these transactions, including collateralized mortgage obligations or other similar instruments or any debt or equity instruments evidencing or
embedding any such types of transactions, and any related credit support, collateral or other similar arrangements related to any such transaction or transactions. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_38"></A>3.19&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Capitalization</U>. Company Bank is &#147;well-capitalized&#148; and
&#147;well managed,&#148; as such terms are defined in the rules and regulations promulgated by the OCC. The Company is &#147;well-capitalized&#148; and &#147;well-managed,&#148; as such terms are defined in the rules and regulations promulgated by
the Federal Reserve Board. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_39"></A>3.20&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental Matters</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Company and Company Bank is in material compliance with all applicable Environmental Laws, including
Laws relating to emissions, discharges, releases and threatened releases of Hazardous Substances, or otherwise relating to the manufacture, processing, distribution, use, treatment, storage, disposal, transport or handling of Hazardous Substances.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-27 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;As used in this Agreement, &#147;<U>Environmental Law</U>&#148;
means any federal, state or local Law relating to: (i)&nbsp;pollution, the protection or restoration of the indoor or outdoor environment, human health and safety with respect to exposure to Hazardous Substances, or natural resources, (ii)&nbsp;the
handling, use, presence, disposal, release or threatened release of any Hazardous Substance, or (iii)&nbsp;any injury or threat of injury to Persons or property in connection with any Hazardous Substance. The term Environmental Law includes, but is
not limited to, the following statutes, as amended, any successor thereto, and any regulations promulgated pursuant thereto, and any state or local statutes, ordinances, rules, regulations and the like addressing similar issues:
(i)&nbsp;Comprehensive Environmental Response, Compensation and Liability Act, as amended by the Superfund Amendments and Reauthorization Act of 1986, as amended, 42 U.S.C. &#167;&#167; 9601 et seq. (&#147;<U>CERCLA</U>&#148;); the Resource
Conservation and Recovery Act, as amended, 42&nbsp;U.S.C. &#167;&#167; 6901 et seq. (&#147;<U>RCRA</U>&#148;); the Clean Air Act, as amended, 42&nbsp;U.S.C. &#167;&#167; 7401 et seq.; the Federal Water Pollution Control Act, as amended, 33 U.S.C.
&#167;&#167;&nbsp;1251 et&nbsp;seq.; the Toxic Substances Control Act, as amended, 15&nbsp;U.S.C.&nbsp;&#167;&#167;&nbsp;2601 et seq.; the Emergency Planning and Community Right to Know Act, 42&nbsp;U.S.C. &#167;&#167; 1101 et seq.; the Safe
Drinking Water Act; 42&nbsp;U.S.C. &#167;&#167; 300f et seq.; the Occupational Safety and Health Act, 29&nbsp;U.S.C. &#167;&#167; 651 et seq.; and (ii)&nbsp;common law that may impose liability (including, without limitation, strict liability) or
obligations for injuries or damages due to the presence of or exposure to any Hazardous Substance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;As used in
this Agreement, &#147;<U>Hazardous Substance</U>&#148; means any and all substances (whether solid, liquid or gas) defined, listed or otherwise regulated as pollutants, hazardous wastes, hazardous substances, hazardous materials, extremely hazardous
wastes, flammable or explosive materials, radioactive materials or words of similar meaning or regulatory effect under any Environmental Law or that have a negative impact on the environment, including petroleum and petroleum products, asbestos and
asbestos-containing materials, polychlorinated biphenyls, lead, radon, radioactive materials, flammables and explosives, mold, mycotoxins, microbial matter and airborne pathogens (naturally occurring or otherwise). The term Hazardous Substance does
not include substances of kinds and in amounts ordinarily and customarily used or stored for the purposes of cleaning or other maintenance or operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;During the period of the Company&#146;s or Company Bank&#146;s ownership or operation of any of its properties, or
to the Knowledge of the Company, prior to such ownership or operation, there has not been any material release of Hazardous Substances in, on, under or affecting any such property. Neither the Company nor Company Bank is actually or contingently
liable for any Release of, threatened Release of or contamination by Hazardous Substances or otherwise under any Environmental Law. There is no pending or, to the Knowledge of the Company, threatened investigation by any Governmental Entity, nor any
pending or, to the Knowledge of the Company, threatened Action (x)&nbsp;for alleged material noncompliance (including by any predecessor), with any Environmental Law or (y)&nbsp;relating to any material Release or threatened release into the
environment of any Hazardous Substances, occurring at or on a site owned, leased or operated by the Company or Company Bank, or to the Company&#146;s Knowledge, relating to any material release or threatened Release into the environment of any
Hazardous Substances, occurring at or on a site not owned, leased or operated by the Company or Company Bank. &#147;<U>Release</U>&#148; has the meaning set forth in Section&nbsp;101(22) of CERCLA (42 U.S.C. &#167; 9601(22)), but not subject to the
exceptions in subsections (A)&nbsp;and (D)&nbsp;of 42 U.S.C. &#167; 9601(22). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;The Company and Company Bank
have provided to Parent true, correct and complete copies of all &#147;Phase I,&#148; &#147;Phase II&#148; or other environmental investigation reports prepared since December&nbsp;31, 2015 in their possession, or to which they have reasonable
access, addressing those locations owned, operated or leased by the Company or Company Bank for which the Company or Company Bank have obtained such reports. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;There are no underground storage tanks located on, no polychlorinated biphenyls (&#147;<U>PCB</U>&#148;) or <FONT
STYLE="white-space:nowrap">PCB-containing</FONT> equipment used or stored on, and no hazardous waste as defined by RCRA stored on, any site owned or operated by the Company, except for the storage of hazardous waste in compliance with Environmental
Laws. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;To the Company&#146;s Knowledge, neither the Company nor Company Bank has made or participated in any
Loan to any Person who is subject to any suit, claim, action, proceeding, investigation or notice, pending </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-28 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or threatened, with respect to (i)&nbsp;any alleged material noncompliance as to any property securing such Loan with any Environmental Law, or (ii)&nbsp;the release or the threatened release
into the environment of any Hazardous Substances at a site owned, leased or operated by such Person on any property securing such Loan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_40">
</A>3.21&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment Securities and Commodities.</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.21(a) of the
Company Disclosure Schedule</U> sets forth, as of September&nbsp;30, 2019, all investment securities owned by the Company and Company Bank, including descriptions thereof, CUSIP numbers, designations as securities &#147;available for sale&#148; or
securities &#147;held to maturity&#148;, book values and coupon rates, and any gain or loss with respect to any investment securities sold during such time period after September&nbsp;30, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Company and Company Bank has good title to all securities and commodities owned by it (except those
sold under repurchase agreements), free and clear of any Lien, except as set forth in the Company Financial Statements, or to the extent such securities or commodities are pledged in the ordinary course of business to secure obligations of the
Company or Company Bank.&nbsp;Such securities and commodities are valued on the books of the Company in accordance with GAAP in all material respects. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Company and Company Bank and their respective businesses employ investment, securities, commodities, risk
management and other policies, practices and procedures that the Company believes are prudent and reasonable in the context of such businesses. The Company has made available to Parent true, correct and complete copies (or, to the extent not in
writing, summaries) of all such policies, practices and procedures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_41"></A>3.22&nbsp;&nbsp;&nbsp;&nbsp;<U>Tangible Properties and Assets</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.22(a) of the Company Disclosure Schedule</U> sets forth a true, correct and complete list of all real
property owned as of the date of this Agreement by the Company and Company Bank (&#147;<U>Company Real Property</U>&#148;). The Company or Company Bank has good and marketable title to, valid leasehold interests in or otherwise legally enforceable
rights to use all Company Real Property, personal property and other assets (tangible or intangible) used, occupied and operated or held for use by it in connection with its business as presently conducted, in each case free and clear of any Lien,
except for (i)&nbsp;statutory Liens for amounts not yet delinquent, (ii)&nbsp;Liens for Taxes and other governmental charges and assessments that are not yet due and payable, (iii)&nbsp;Liens, easements, rights of way, and other similar encumbrances
that do not materially affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business operations at such properties and (iv)&nbsp;Liens of landlords and Liens of carriers,
warehousemen, mechanics and materialmen and other like Liens arising in the ordinary course of business for sums not yet due and payable. There is no pending or, to the Company&#146;s Knowledge, threatened legal, administrative, arbitral or other
proceeding, claim, action or governmental or regulatory investigation of any nature with respect to Company Real Property or other real property that the Company or Company Bank occupies or has the right to occupy, including a pending or threatened
taking of any of such real property by eminent domain, except where such legal, administrative, arbitral or other proceeding, claim, action or governmental or regulatory investigation would not be material. True, correct and complete copies of all
deeds evidencing ownership of Company Real Property and true, correct and complete copies of the title insurance policies and surveys, if any, for each Company Real Property, together with true, correct and complete copies of any mortgages, deeds of
trust and security agreements to which such Company Real Property is subject, have been furnished or made available to Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;No Person other than the Company and Company Bank has (or will have, at Closing) (i)&nbsp;any right in any of the
Company Real Property or any right to use or occupy any portion of the Company Real Property or (ii)&nbsp;any right to use or occupy any portion of the premises subject to any Lease.&nbsp;All buildings, structures, fixtures and appurtenances
comprising part of the Company Real Property are in good operating condition and have been </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-29 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
well-maintained, reasonable wear and tear excepted, and are in all material respects adequate and sufficient for the purposes to which they are used in the conduct of the Company&#146;s business.
The Company and Company Bank do not use in its business any material real property other than the Company Real Property and the premises subject to the Leases. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.22(c) of the Company Disclosure Schedule</U> sets forth a true, correct and complete schedule as of
the date of this Agreement of all leases, subleases, licenses and other material agreements under which the Company or Company Bank uses or occupies or has the right to use or occupy, now or in the future, real property (the
&#147;<U>Leases</U>&#148;). Each of the Leases is valid, binding and in full force and effect, and neither the Company nor Company Bank has received a written notice of, or otherwise has any Knowledge of any, breach, default or termination with
respect to any Lease. To the Company&#146;s Knowledge, there has not occurred any event and no condition exists that would constitute a termination event or a breach by the Company or Company Bank of, or default by the Company or Company Bank in,
the performance of any covenant, agreement or condition contained in any Lease. To the Company&#146;s Knowledge, no lessor under a Lease is in breach or default in the performance of any material covenant, agreement or condition contained in such
Lease. The Company and Company Bank have paid all rents and other charges to the extent due under the Leases. Copies that are true, correct and complete in all material respects of all leases for, or other documentation evidencing a leasehold
interest in the properties listed in <U>Section</U><U></U><U>&nbsp;3.22(c) of the Company Disclosure Schedule</U> have been furnished or made available to Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Except as would not be material, all buildings, structures, fixtures, building systems and equipment, and all
components thereof that are Company Real Property or the subject of any Lease are in good condition and repair (normal wear and tear excepted) and sufficient for the operation of the business of the Company and Company Bank as currently conducted.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section 3.22(e) of the Company Disclosure Schedule</U> sets forth a true, correct and complete list of all
Leases pursuant to which consents, waivers or notices are or may be required to be given thereunder, in each case, prior to consummation of the Integrated Mergers and the other transactions by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_42"></A>3.23&nbsp;&nbsp;&nbsp;&nbsp;<U>Intellectual Property</U>.</P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section</U><U></U><U>&nbsp;3.23 of the Company Disclosure Schedule</U> contains a true, correct and complete
list of all registrations (including domain name registrations) and any applications for registration of any Intellectual Property owned or purported to be owned by the Company or Company Bank and identifies the applicable owner. The Company or
Company Bank, as applicable, is the sole and exclusive owner of all Intellectual Property owned or purported to be owned by it (collectively, the &#147;<U>Owned Intellectual Property</U>&#148;) and holds all of its right, title and interest in and
to all Owned Intellectual Property and all Intellectual Property licensed by it from third parties (together with the Owned Intellectual Property, the &#147;<U>Company Intellectual Property</U>&#148;) free and clear of any Liens. Neither the Company
nor Company Bank, nor the conduct of any of their respective businesses, has infringed, misappropriated, used without authorization or otherwise violated the Intellectual Property rights of any Person. Each of the Company and Company Bank owns, or
otherwise has valid and sufficient rights to use, all Intellectual Property used or held for use in, or necessary for, its business as such business is currently conducted. The Company and Company Bank have taken reasonable steps in accordance with
normal industry practice to maintain the confidentiality of all Company Intellectual Property the value of which is contingent upon maintaining the confidentiality thereof. No Person is infringing, misappropriating or otherwise violating any Company
Intellectual Property, except where such infringement, misappropriation or other violation would not have any adverse impact on the Company or Company Bank. No charges, claims or litigation have been asserted or, to the Company&#146;s Knowledge,
threatened against the Company or Company Bank (x)&nbsp;contesting the Company&#146;s or Company Bank&#146;s right to use, or the validity of, any of the Company Intellectual Property; (y)&nbsp;challenging or questioning the validity or
effectiveness of any license or agreement pertaining thereto or asserting the misuse thereof; or (z)&nbsp;claiming that the Company or Company Bank has infringed, misappropriated or otherwise violated any Intellectual Property rights of any Person,
and no valid basis </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-30 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
exists for the assertion of any such charge, claim or litigation. For purposes of this Agreement, &#147;<U>Intellectual Property</U>&#148; means any and all of the following, whether or not
registered, and all rights therein, arising in any jurisdiction: (i)&nbsp;inventions and improvements thereto, whether or not patentable, invention disclosures, statutory invention registrations, design rights, patents and patent applications
(including all reissues, divisions, continuations, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">continuations-in-part,</FONT></FONT> extensions and reexaminations thereof); (ii)&nbsp;trademarks, service marks, trade dress,
logos, domain names, Internet account names (including social networking and media names), rights of publicity, trade names, corporate names and all other source identifiers, and all goodwill associated with any of the foregoing;
(iii)&nbsp;copyrights, including all derivative works, moral rights, renewals, extensions, reversions and restorations associated with such copyrights, now or hereafter provided by applicable Law, regardless of the medium of fixation or means of
expression; (iv)&nbsp;computer software (including source code, object code, firmware, operating systems and specifications), databases and data collections; (v)&nbsp;trade secrets, <FONT STYLE="white-space:nowrap">know-how</FONT> and confidential
business information; (vi)&nbsp;any other type of intellectual property or intellectual property right; (vii)&nbsp;registrations and applications for registration of any of the foregoing; and (viii)&nbsp;rights to sue or recover and retain damages
for past, present and future infringement, misappropriation or other violation of any of the foregoing. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The
Company and Company Bank (i)&nbsp;have used reasonable care in protecting the confidentiality, integrity, availability, and security of the IT Assets, their networks, and all customer, employee, confidential, proprietary or other sensitive data,
(ii)&nbsp;respective IT&nbsp;Assets&nbsp;operate and perform in all material respects as required by the Company and Company Bank in connection with their respective businesses, (iii)&nbsp;respective IT Assets, to the Company&#146;s Knowledge, have
not materially malfunctioned or failed since January&nbsp;1, 2016, and (iv)&nbsp;have implemented reasonable backup, security and disaster recovery technology plans and procedures consistent with industry practices, act in compliance with such plans
and procedures and have taken reasonable care to test such plans and procedures on a periodic basis, and such plans and procedures have been proven effective upon such testing in all material respects. As used in this Agreement,
&#147;<U>IT</U><U></U><U>&nbsp;Assets</U>&#148; means, with respect to any Person, the computers, computer software, firmware, middleware, servers, workstations, routers, hubs, switches, data, data communications lines and all other information
technology equipment, and all associated documentation, owned by such Person or such Person&#146;s Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Company and Company Bank (i)&nbsp;are compliant with all applicable data protection and privacy Laws,
including, but not limited to, <FONT STYLE="white-space:nowrap">Section&nbsp;899-aa</FONT> of the New York General Business Law, as amended, and Part 500 of Chapter I of Title 23 of the New York Codes, Rules and Regulations, and their own privacy
policies and commitments to their respective customers, consumers and employees, concerning data protection and the privacy and security of personal data and the nonpublic personal information of their respective customers, consumers and employees,
(ii)&nbsp;have developed and implemented safeguards, policies, procedures, and training programs to ensure past, current, and ongoing compliance with all applicable data protection and privacy Laws, (iii)&nbsp;since January&nbsp;1, 2016, have not
received any notice asserting any violations of any of the foregoing, (iv)&nbsp;since January&nbsp;1, 2016, have not been the subject of any data breach or cybersecurity incident in which any customer, employee, confidential, proprietary or other
sensitive data was accessed, acquired or used by any unauthorized person, and (v)&nbsp;since January&nbsp;1, 2016, have not received notice from any third party with whom the Company or Company Bank have shared customer, employee, confidential,
proprietary or other sensitive data of any unauthorized acquisition, access, use or disclosure of such data received from or on behalf of the Company or Company Bank that would trigger a notification or reporting requirement under applicable data
protection and privacy Laws. The transfer of all such personal data and nonpublic personal information to Parent&#146;s control in connection with the consummation of the transactions contemplated hereby will not violate any such Laws, privacy
policies or commitments. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_43"></A>3.24&nbsp;&nbsp;&nbsp;&nbsp;<U>Transactions with Affiliates</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;There are no outstanding amounts payable to or receivable from, or advances by the Company or Company Bank to, and
neither the Company nor Company Bank is otherwise a creditor or debtor to, any director, executive officer, one percent (1%) or greater shareholder of the Company or Company Bank or to any of their </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-31 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
respective affiliates or Associates, or affiliate of the Company or Company Bank, or to the Company&#146;s or Company Bank&#146;s Knowledge, any Person or enterprise controlling, controlled by or
under common control with any of the foregoing, other than part of the normal and customary terms of such Persons&#146; employment or service as a director with the Company or Company Bank and other than deposits held by Company Bank in the ordinary
course of business. Neither the Company nor Company Bank is a party to any transaction or agreement, or is contemplated to be party to any proposed transaction or agreement, with any of its respective directors, executive officers, <FONT
STYLE="white-space:nowrap">one-percent</FONT> (1%) or greater shareholder of the Company or Company Bank or to any of their respective affiliates or Associates or other affiliates of the Company or Company Bank other than part of the terms of an
individual&#146;s employment or service as a director in the ordinary course of business, and no such Person has had any direct or indirect interest in any property, assets, business or right owned, leased, held or used by the Company or Company
Bank, other than deposits held by Company Bank in the ordinary course of business. All agreements and transactions between the Company or Company Bank and any of their respective affiliates comply, to the extent applicable, in all material respects
with Federal Reserve Act Sections&nbsp;23A and 23B and Regulation&nbsp;W of the Federal Reserve Board. The Company has made available to Parent true, correct and complete copies of all agreements between the Company or Company Bank and any of their
respective affiliates. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;As used in this Agreement to indicate a relationship with any Person,
&#147;<U>Associate</U>&#148; means (1)&nbsp;any corporation, limited liability company, partnership, association, joint-stock company, unincorporated organization or other organization of any kind or nature (other than the Company or Company Bank)
of which such Person is an officer, director, manager, partner or holds a like position, or is, directly or indirectly, the beneficial owner of 3% or more of any class of equity securities, (2)&nbsp;any trust or other estate in which such Person has
a beneficial interest or serves as trustee or in a similar fiduciary capacity, or (3)&nbsp;any family member of such Person. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;No employee of the Company or Company Bank provides any services to any affiliate (other than the Company and
Company Bank) of any <FONT STYLE="white-space:nowrap">one-percent</FONT> (1%) or greater shareholder of the Company or Company Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_44">
</A>3.25&nbsp;&nbsp;&nbsp;&nbsp;<U>Anti-takeover Provisions</U>.&nbsp;No state &#147;control share acquisition,&#148; &#147;business combination moratorium,&#148; &#147;fair price&#148; or other form of antitakeover statute or regulation (each, a
&#147;<U>Takeover Statute</U>&#148;) is applicable to the Company with respect this Agreement and the transactions contemplated hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_45">
</A>3.26&nbsp;&nbsp;&nbsp;&nbsp;<U>Reorganization</U>.&nbsp;Neither the Company nor Company Bank has taken or agreed to take any action or is aware of any fact or circumstance that could reasonably be expected to prevent the Integrated Mergers,
taken together, from being treated as an integrated transaction that qualifies as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a)&nbsp;of the Code. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_46"></A>3.27&nbsp;&nbsp;&nbsp;&nbsp;<U>Opinion</U>.&nbsp;Prior to the execution of this Agreement, the Company has
received an opinion (which, if initially rendered orally, has been or will be confirmed by a written opinion, dated the same date) from Sandler O&#146;Neill&nbsp;&amp; Partners L.P., to the effect that, as of the date thereof, and based upon and
subject to the factors, assumptions, qualifications and limitations set forth therein, the aggregate Merger Consideration payable pursuant to this Agreement is fair, from a financial point of view, to the holders of shares of Company Common Stock. A
copy of such opinion has been, or will be, provided by the Company to Parent solely for informational purposes. Such opinion has not been amended or rescinded in any material respect as of the date of this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_47"></A>3.28&nbsp;&nbsp;&nbsp;&nbsp;<U>Office of Foreign Assets Control</U>.&nbsp;None of the Company, Company Bank
or, to the Knowledge of the Company, any director, officer, agent, employee, affiliate or other Person acting on behalf of the Company or Company Bank is (a)&nbsp;engaged in any services (including financial services), transfers of goods, software,
or technology or any other business activity related to (i)&nbsp;any country (each, a &#147;<U>Sanctioned Country</U>&#148;) subject to sanctions administered by the Office of Foreign Assets Control of the U.S. Treasury Department
(&#147;<U>OFAC</U>&#148;), (ii) the government of any Sanctioned Country, (iii)&nbsp;any Person located in, resident in, formed under the Laws of, or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-32 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
owned or controlled by the government of, any Sanctioned Country, or (iv)&nbsp;any Person made the subject of any sanctions administered or enforced by the U.S. Government, including, without
limitation, OFAC&#146;s list of Specially Designated Nationals, or by the United Nations Security Council, the European Union, Her Majesty&#146;s Treasury or other relevant sanctions authority (collectively, &#147;<U>Sanctions</U>&#148;),
(b)&nbsp;engaged in any transfers of goods, technologies or services (including financial services) that may assist the governments of Sanctioned Countries or facilitate money laundering or other activities proscribed by U.S. Law, (c)&nbsp;is a
Person currently the subject of any Sanctions or (d)&nbsp;
located, organized or resident in any Sanctioned Country. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_48"></A>3.29&nbsp;&nbsp;&nbsp;&nbsp;<U>Company
Information</U>.&nbsp;No written representation, statement, certificate, instrument or other writing furnished or to be furnished by or on behalf of the Company or Company Bank to Parent pursuant to this Agreement contains or will contain any untrue
statement of material fact or omits or will omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading. The Company has made available to Parent true, correct and
complete copies of all material documents with respect to all items disclosed in the Company Disclosure Schedule. None of the information supplied or to be supplied by or on behalf of the Company or Company Bank specifically for inclusion or
incorporation by reference in any application, notification or document filed in connection with any Requisite Regulatory Approval or other application, notification or document filed with any Governmental Entity in connection with the Integrated
Mergers or other transactions contemplated herein will, as of the date filed or submitted, as applicable, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary in order to make
the statements therein, in light of the circumstances under which they are made, not misleading. The provisions of the proxy statement relating to the Company Meeting (including any amendments or supplements thereto, the &#147;<U>Proxy
Statement</U>&#148;) and the registration statement on <FONT STYLE="white-space:nowrap">Form&nbsp;S-4</FONT> in which the Proxy Statement will be included as a prospectus, to be filed with the Securities and Exchange Commission (the
&#147;<U>SEC</U>&#148;) by Parent in connection with the transactions contemplated by this Agreement (including any amendments or supplements thereto, the &#147;<U><FONT STYLE="white-space:nowrap">S-4</FONT></U>&#148;), relating to the Company and
Company Bank or other information supplied by or on behalf of the Company or Company Bank for inclusion therein shall comply as to form in all material respects with the requirements of the Securities Act and the Securities Exchange Act of 1934, as
amended (the &#147;<U>Exchange Act</U>&#148;), and the rules and regulations thereunder, as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_49"></A>3.30&nbsp;&nbsp;&nbsp;&nbsp;<U>Loans; Nonperforming and Classified Assets.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section</U><U></U><U>&nbsp;3.30(a) of the Company Disclosure Schedule</U> sets forth a true, correct and
complete list, as of September&nbsp;30, 2019, of any Loans under the terms of which the obligor was over thirty (30)&nbsp;days delinquent in payment of principal or interest or has been placed on nonaccrual status as of such date. The information
with respect to each Loan set forth in the data storage disk produced by the Company from its management information systems regarding the Loans and delivered to Parent prior to the date hereof (the &#147;<U>Loan Tape</U>&#148;), and, to the
Knowledge of the Company, any third-party information set forth in the Loan Tape, is true, correct and complete as of the dates specified therein, or, if no such date is indicated therein, as of September&nbsp;30, 2019, and reconciles to the
Company&#146;s general ledger. As used in this Agreement, &#147;<U>Loan</U>&#148; means any written or oral loan, loan agreement, note or borrowing arrangement or other extensions of credit (including, without limitation, leases, credit
enhancements, commitments, guarantees and interest-bearing assets) to which the Company or Company Bank is a party as obligee, and includes mortgage loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section</U><U></U><U>&nbsp;3.30(b) of the Company Disclosure Schedule</U> identifies, as of September&nbsp;30,
2019, each Loan that was classified as &#147;Other Loans Specially Mentioned&#148;, &#147;Special Mention,&#148; &#147;Substandard,&#148; &#147;Doubtful,&#148; &#147;Loss,&#148; &#147;Classified,&#148; &#147;Criticized,&#148; &#147;Credit Risk
Assets,&#148; &#147;Concerned Loans,&#148; &#147;Watch List&#148; or words of similar import by the Company or Company Bank, or that has been identified by accountants or auditors (internal or external) as having a significant risk of
uncollectability together with the principal amount of and accrued and unpaid interest on each such Loan, the allocated or specific allowance for loan losses, and the identity of the borrower thereunder as of such date. No Governmental Entity or
third party has: (i)&nbsp;asserted that Company Bank has violated or has not complied with the representations and warranties applicable with respect to any (A)&nbsp;Loans </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-33 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
originated or purchased and subsequently sold, in each case, since January&nbsp;1, 2014, or (B)&nbsp;sale of Loan servicing rights to a third party; or (ii)&nbsp;imposed restrictions on the
activities (including commitment authority) of Company Bank. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section</U><U></U><U>&nbsp;3.30(c) of the
Company Disclosure Schedule</U> identifies each asset of the Company or Company Bank that as of September&nbsp;30, 2019 was classified as other real estate owned (&#147;<U>OREO</U>&#148;), &#147;other repossessed assets&#148; or as an asset to
satisfy Loans and the book value thereof as of the date of this Agreement as well as any assets classified as OREO, &#147;other repossessed assets&#148; or assets to satisfy Loans since September&nbsp;30, 2019 to the date hereof and any sales of
such assets between September&nbsp;30, 2019 and the date hereof, reflecting any gain or loss with respect to any such assets sold. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to be material, each Loan held in the Company&#146;s or Company
Bank&#146;s loan portfolio (each a &#147;<U>Company Loan</U>&#148;) (i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii)&nbsp;to the extent secured, is and has been secured
by valid Liens that have been perfected, (iii)&nbsp;to the extent guaranteed, such guarantees are valid and enforceable and (iv)&nbsp;to the Company&#146;s and Company Bank&#146;s Knowledge, is a legal, valid and binding obligation of the obligor
named therein, enforceable in accordance with its terms, except as enforceability may be limited by the Enforceability Exceptions. Except as would not reasonably be expected to be material, all pledges, mortgages, deeds of trust, and other
collateral documents and security agreements related to the Company Loans are legal, valid, binding and enforceable (except as enforceability may be limited by the Enforceability Exceptions). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;All currently outstanding Company Loans (i)&nbsp;were solicited, originated, administered, and, currently exist,
and the relevant Loan files are being maintained, in material compliance with all applicable requirements of Law, the applicable loan documents, and Company Bank&#146;s lending policies at the time of origination of such Company Loans, and
(ii)&nbsp;were made or originated for good, valuable, and adequate consideration in the ordinary course of business; and the notes or other credit or security documents with respect to each such outstanding Company Loan are complete and correct in
all material respects. To the Company&#146;s and Company Bank&#146;s Knowledge, there are no oral modifications or amendments or additional agreements related to Company Loans that are not reflected in the written records of the Company or Company
Bank, as applicable. All such Company Loans are owned by the Company or Company Bank free and clear of any Liens, except for Company Loans pledged to the Federal Home Loan Bank of New York and Company Loans pledged to the Federal Reserve Bank of New
York, each as set forth in <U>Section</U><U></U><U>&nbsp;3.30(e) of the Company Disclosure Schedule</U>. No claims of defense as to the enforcement of any Company Loan have been asserted in writing against the Company or Company Bank for which there
is a reasonable probability of an adverse determination. Since January&nbsp;1, 2014, no Company Loan has been subject to any claims or rights of rescission, <FONT STYLE="white-space:nowrap">set-off,</FONT> counterclaim or defense, and neither the
Company nor Company Bank has any Knowledge of any acts or omissions which would give rise to any claim or right of rescission, <FONT STYLE="white-space:nowrap">set-off,</FONT> counterclaim or defense for which there is a reasonable probability of a
determination adverse to Company Bank. No Company Loans are presently serviced by third parties. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;Neither the
Company nor Company Bank is a party to any Recourse Agreement, or is otherwise obligated to repurchase from any Person, or provide any indemnification with respect to, any Loan or other asset sold by the Company or Company Bank. None of the
agreements pursuant to which the Company or Company Bank has sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or interests therein solely on account of a payment default by
the obligor on any such Loan, and, to the Knowledge of the Company, there are no claims for any such repurchase. <U>Section</U><U></U><U>&nbsp;3.30(f) of the Company Disclosure Schedule</U> sets forth a true, correct and complete report regarding
the current status of (i)&nbsp;any repurchase requests received by the Company or Company Bank to repurchase any Loan or interests therein, and (ii)&nbsp;the Company&#146;s and Company Bank&#146;s reserves in respect of potential repurchase requests
to repurchase any Loan or interests therein. For purposes of this Agreement, &#147;<U>Recourse Agreements</U>&#148; means agreements or arrangements with any Person that obligate the Company or Company Bank to repurchase from any such Person
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-34 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any Loan or other asset sold by the Company or Company Bank or that entitles any such Person to pursue any other form of recourse against the Company or Company Bank, including indemnification.
The Company has made available to Parent true, correct and complete copies of Recourse Agreements and all agreements pursuant to which the Company or Company Bank has sold Loans or pools of Loans or participations in Loans or pools of Loans to any
third party. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank is now nor has it ever been since January&nbsp;1, 2016,
subject to any fine, suspension, settlement or other contract or other administrative agreement or sanction by, or any reduction in any loan purchase commitment from, any Governmental Entity relating to the origination, sale or servicing of
mortgage, commercial or consumer Loans. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;Neither the Company nor Company Bank has canceled, released or
compromised any Loan, obligation, claim or receivable other than in the ordinary course of business. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;The
Company and Company Bank have not, since January&nbsp;1, 2014, extended or maintained credit, arranged for the extension of credit, or renewed an extension of credit, in the form of a personal Loan to or for any director, executive officer, or
principal shareholder (or equivalent thereof) of the Company or Company Bank (as such terms are defined in Regulation&nbsp;O promulgated by the Federal Reserve Board (&#147;<U>Regulation</U><U></U><U>&nbsp;O</U>&#148;)), except as permitted by
Regulation O and that have been made in compliance with the provisions of Regulation&nbsp;O. <U>Section</U><U></U><U>&nbsp;3.30(i) of the Company Disclosure Schedule</U> identifies any Loan or extension of credit maintained by the Company or Company
Bank to which Regulation&nbsp;O applies, and there has been no default on, or forgiveness of waiver of, in whole or in part, any such Loan during the two (2)&nbsp;years preceding the date hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;Company Bank is either an approved &#147;lender,&#148; &#147;certified lender,&#148; or &#147;preferred
lender&#148;, as the case may be, under and pursuant to the loan programs of the U.S. Small Business Administration (the &#147;<U>SBA</U>&#148;). The Company and Company Bank have at all times complied, in all material respects, with the rules and
regulations of the loan and loan guarantee programs of the SBA. The Company and Company Bank have complied in all material respects with the applicable provisions of any loan guarantee insurance policy. All Company Loans originated pursuant to or
guaranteed by the SBA were (i)&nbsp;made pursuant to all applicable SBA rules and regulations, (ii)&nbsp;met all applicable underwriting criteria necessary to qualify for the loan or loan guarantee programs of the SBA and (iii)&nbsp;have been made
on standard loan documents approved if required by the appropriate agency. All Company Loans originated pursuant to, guaranteed by or insured by any insurance policy were made pursuant to such policy and met all applicable underwriting criteria
thereunder. As to each Company Loan which is indicated in the related loan file to be an <FONT STYLE="white-space:nowrap">SBA-</FONT> guaranteed loan, Company Bank has complied in all material respects with applicable provisions of the guarantee
contract and applicable Law, the guarantee is in full force and effect with respect to each such Company Loan, and, to the Company&#146;s Knowledge, there does not exist any material event or condition which, but for the passage of time or the
giving of notice or both, would reasonably be expected to result in a revocation of any such guarantee or constitute adequate grounds for the SBA to refuse to provide guarantee payments thereunder. The Company has delivered to Parent a true, correct
and complete list of all SBA loans that are Company Loans indicating the loans for which the guaranteed portion has been sold. Neither the Company nor Company Bank is in breach of any warranty or representation made by it in connection with its
origination and sale of the guaranteed portion of any SBA loan such that it is, or would reasonably expected to be, obligated to repurchase any such loan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_50"></A>3.31&nbsp;&nbsp;&nbsp;&nbsp;<U>Allowance for Loan and Lease Losses</U>.&nbsp;Company&#146;s reserves,
allowance for Loan and lease losses and carrying value for real estate owned as reflected in each of the Company Financial Statements, were, in the opinion of management, as of the applicable dates thereof, adequate in all material respects to
provide for the possible losses on the applicable items and in compliance with the Company&#146;s and Company Bank&#146;s existing methodology for determining the adequacy of its allowance for Loan and lease losses as well as the standards
established by each applicable Governmental Entity, the Financial Accounting Standards Board and GAAP. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_51"></A>3.32&nbsp;&nbsp;&nbsp;&nbsp;<U>Trust Business; Administration of Fiduciary Accounts</U>.&nbsp;Neither the
Company nor Company Bank has offered or engaged in providing any individual or corporate trust services or administers any accounts for which </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-35 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
it acts as a fiduciary, including any accounts in which it serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_52"></A>3.33&nbsp;&nbsp;&nbsp;&nbsp;<U>Investment Management and Related Activities</U>.&nbsp;None of the Company,
Company Bank or, to the extent relating to their activities with respect to the Company or Company Bank, any of their respective directors, officers or employees is required to be registered, licensed or authorized under the Laws of or administered
by any Governmental Entity as an investment adviser, a broker or dealer, an insurance agency or company, a commodity trading adviser, a commodity pool operator, a futures commission merchant, an introducing broker, a registered representative or
associated Person, investment adviser, representative or solicitor, a counseling officer, an insurance agent, a sales Person or in any similar capacity with a Governmental Entity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_53"></A>3.34&nbsp;&nbsp;&nbsp;&nbsp;<U>Repurchase Agreements</U>.&nbsp;With respect to all agreements pursuant to
which the Company or Company Bank has purchased securities subject to an agreement to resell, if any, the Company or Company Bank, as the case may be, has a valid, perfected first Lien in the government securities or other collateral securing the
repurchase agreement, and the value of such collateral equals or exceeds the amount of the debt secured thereby. The Company has made available to Parent true, correct and complete copies of all such repurchase agreements, including any and all
amendments and modifications thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_54"></A>3.35&nbsp;&nbsp;&nbsp;&nbsp;<U>Insurance</U>.&nbsp;<U>Section</U><U></U><U>&nbsp;3.35 of the Company
Disclosure Schedule</U> identifies as of the date of this Agreement all of the material insurance policies, binders, or bonds currently maintained by the Company and Company Bank (the &#147;<U>Insurance Policies</U>&#148;), including the insurer,
policy numbers, amount of coverage, effective and termination dates and any pending claims thereunder involving more than $25,000. The Company and Company Bank are insured with reputable insurers against such risks and in such amounts as the
management of the Company and Company Bank reasonably have determined to be prudent in accordance with industry practices, and all the Insurance Policies are in full force and effect. Neither the Company nor Company Bank has received notice of
cancellation of any of the Insurance Policies or otherwise has Knowledge that any insurer under any of the Insurance Policies has expressed an intent to cancel any such Insurance Policies, neither the Company nor Company Bank is in default
thereunder, and all known claims thereunder have been filed in due and timely fashion. The Company has not received written notice that any insurer under any such Insurance Policy (i)&nbsp;is denying liability with respect to a claim thereunder or
defending under a reservation of rights clause or (ii)&nbsp;has filed for protection under applicable bankruptcy or insolvency Laws or is otherwise in the process of liquidating or has been liquidated. The Company does not have or maintain any
self-insurance arrangement. The Company has made available to Parent true, correct and complete copies of all Insurance Policies, including any and all amendments and modifications thereto, and copies of all other material documents related thereto.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_55"></A>3.36&nbsp;&nbsp;&nbsp;&nbsp;<U>Deposits</U>.&nbsp;All of the deposits held by Company Bank (including the
records and documentation pertaining to such deposits) have been established and are held in compliance in all material respects with (a)&nbsp;all applicable policies, practices and procedures of Company Bank, and (b)&nbsp;all applicable Laws,
including Money Laundering Laws and anti-terrorism or embargoed Persons requirements. No deposit of Company Bank is a &#147;brokered deposit&#148; (within the meaning set forth in 12&nbsp;C.F.R. &#167;&nbsp;337.6(a)(2)) or is subject to any
encumbrance, legal restraint or other legal process (other than garnishments, pledges, <FONT STYLE="white-space:nowrap">set-off</FONT> rights escrow limitations and similar actions taken in the ordinary course of business).
<U>Section</U><U></U><U>&nbsp;3.36 of the Company Disclosure Schedule</U> sets forth a true, correct and complete schedule of all outstanding overdrafts as of September&nbsp;30, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_56"></A>3.37&nbsp;&nbsp;&nbsp;&nbsp;<U>Disaster Recovery and Business Continuity</U>. The Company and Company Bank
have developed and implemented a contingency planning program in accordance with best industry standards to evaluate the effect of significant events that may adversely affect the customers, assets or employees of the Company and Company Bank. To
the Company&#146;s Knowledge, such program ensures that the Company and Company Bank can recover their mission critical functions, and such program complies in all material respects with the requirements of the Federal Financial Institutions
Examination Council, the OCC and applicable Law. The Company has furnished to Parent a true, correct and complete copy of its disaster recovery and business continuity arrangements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-36 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_57"></A>3.38&nbsp;&nbsp;&nbsp;&nbsp;<U>Pipeline Loans</U><U>.</U>
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Section</U><U></U><U>&nbsp;3.38(a) of the Company Disclosure Schedule</U> sets forth a list and description
of all Pipeline Loans, which description includes, with respect to each Pipeline Loan (i)&nbsp;the loan number of the Pipeline Loan; (ii)&nbsp;the immediately anticipated principal balance of the Pipeline Loan; (iii)&nbsp;the interest rate (for
Locked Pipeline Loans only); (iv) the product type; (v)&nbsp;the city and state in which the collateral property securing such Pipeline Loan is located; (vi)&nbsp;if known, the closing date; (vii)&nbsp;whether the Pipeline Loan has been approved by
Company Bank; and (viii)&nbsp;whether the Pipeline Loan constitutes a Locked Pipeline Loan or an Unlocked Pipeline Loan. Prior to the Closing, the Company shall update, or shall cause Company Bank to update, <U>Section</U><U></U><U>&nbsp;3.38(a) of
the Company Disclosure Schedule</U> as of the Determination Date to disclose the information required by items (i)&nbsp;through (viii) of this <U>Section</U><U></U><U>&nbsp;3.38(a)</U> with respect to the Pipeline Loans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;All interest rate locks on Locked Pipeline Loans have been conducted and managed in Company Bank&#146;s ordinary
course of business consistent with past practice and customary banking practices. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this
Agreement: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Locked Pipeline Loans</U>&#148; means applications in process for Loans to be made by
Company Bank that have been registered and designated as price protected on Company Bank&#146;s Loan origination system and that have not closed or funded; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Pipeline Loans</U>&#148; means the Locked Pipeline Loans, the Unlocked Pipeline Loans and any other
Loans for which Company Bank has issued a commitment to originate, collectively; and </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Unlocked
Pipeline Loans</U>&#148; means applications in process for Loans to be made by Company Bank that have not been registered and designated as price protected on Company Bank&#146;s Loan origination system and that have not closed or funded. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_58"></A>3.39&nbsp;&nbsp;&nbsp;&nbsp;<U>No Other Representations or Warranties</U>. Except for the representations and
warranties made by the Company in this <U>ARTICLE III</U>, neither the Company nor any other Person makes any express or implied representation or warranty with respect to the Company or Company Bank or their respective businesses, operations,
assets, liabilities, conditions (financial or otherwise) or prospects, and the Company hereby disclaims any such other representations or warranties. In particular, without limiting the foregoing disclaimer, neither the Company nor any other Person
makes or has made any representation or warranty to Parent or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or prospective information relating to the Company or Company Bank
or their respective businesses, or (ii)&nbsp;except for the representations and warranties made by the Company in this <U>ARTICLE III</U>, any oral or written information presented to Parent or any of its affiliates or representatives in the course
of their due diligence investigation of the Company, the negotiation of this Agreement or in the course of the transactions contemplated hereby. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_59"></A>ARTICLE IV </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">REPRESENTATIONS AND WARRANTIES OF PARENT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_60"></A>4.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Making of Representations and Warranties</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;References herein to &#147;<U>Parent Disclosure Schedule</U>&#148; shall mean all of the disclosure schedules
required by <U>ARTICLE IV</U>, dated as of the date hereof and delivered on the date hereof by Parent to the Company. The Parent Disclosure Schedule shall be organized to correspond to Sections in <U>ARTICLE IV</U> of this Agreement. Each exception
set forth in the Parent Disclosure Schedule shall be deemed to qualify (1)&nbsp;the corresponding representation and warranty set forth in this Agreement that is specifically identified (by cross reference or
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-37 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
otherwise) in the Parent Disclosure Schedule and (2)&nbsp;any other representation and warranty to the extent that the relevance of such exception to such other representation and warranty is
reasonably apparent on the face of the disclosure (without need to examine underlying documentation). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Except
as set forth in the Parent Disclosure Schedule (subject to <U>Section</U><U></U><U>&nbsp;9.8</U>), Parent hereby represents and warrants to the Company as follows in this <U>ARTICLE IV</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_61"></A>4.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Organization</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Parent is a corporation duly incorporated, validly existing and in good standing under the Laws of the State of
Delaware, is duly registered as a bank holding company under the BHC Act.&nbsp;Parent is duly licensed, registered or otherwise qualified to do business in each jurisdiction where the character or location of the properties and/or assets owned or
leased by it or the nature of the business conducted by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified would not, either individually or in the aggregate, be reasonably likely to have a
Material Adverse Effect on Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Parent Bank is a New York State-chartered bank duly organized, validly
existing and in good standing under the Laws of the State of New York. Parent Bank is duly licensed, registered and qualified to do business and is in good standing in each jurisdiction where its ownership or leasing of property and/or assets or the
conduct of its business requires such licensing, registration or qualification, except where the failure to be so licensed, registered, qualified or in good standing has not had, and is not reasonably likely to have, individually or in the
aggregate, a Material Adverse Effect on Parent. The deposits of Parent Bank are insured by the FDIC to the fullest extent permitted by Law, all premiums and assessments required to be paid in connection therewith have been paid when due, and no
proceedings for the suspension, revocation or termination of such deposit insurance are pending nor, to Parent&#146;s and Parent Bank&#146;s Knowledge, since January&nbsp;1, 2016 has any such suspension, revocation or termination been threatened.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Merger Sub is a corporation duly incorporated, validly existing and in good standing under the Laws of the
State of New York.&nbsp;Merger Sub is duly licensed, registered or otherwise qualified to do business in each jurisdiction where the character or location of the properties and/or assets owned or leased by it or the nature of the business conducted
by it makes such licensing or qualification necessary, except where the failure to be so licensed or qualified would not, either individually or in the aggregate, be reasonably likely to have a Material Adverse Effect on Merger Sub. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_62"></A>4.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Capitalization.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;As of the date of this Agreement, the authorized capital of Parent consists of 100,000,000 shares of Parent Common
Stock and 5,000,000 shares of preferred stock, par value $0.01 per share (&#147;<U>Parent Preferred Stock</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;As of the date of this Agreement, there are (i)&nbsp;31,530,595&nbsp;shares of Parent Common Stock issued and
outstanding, (ii)&nbsp;zero&nbsp;shares of Parent Preferred Stock issued and outstanding, (iii)&nbsp;3,373,389&nbsp;shares of Parent Common Stock held in treasury, (iv)&nbsp;1,264,532&nbsp;shares of Parent Common Stock reserved for issuance pursuant
to (A)&nbsp;the conversion or exchange of shares of capital stock or other voting securities of, or other ownership interests in, Parent; (B)&nbsp;warrants, calls, options or other rights to acquire Parent Common Stock; or (C)&nbsp;plans allowing
for the grant of restricted shares, stock appreciation rights, performance units, contingent value rights, &#147;phantom&#148; stock or similar securities, rights or units, and (v)&nbsp;no other shares of Parent Common Stock or Parent Preferred
Stock issued, reserved for issuance or outstanding. All of the issued and outstanding shares of Parent Common Stock have been duly authorized and validly issued and are fully paid and nonassessable. All of the shares of Parent Common Stock to be
issued in the Integrated Mergers have been duly authorized and, when issued in accordance with the terms hereof, will be validly issued, fully paid and nonassessable, and no current or past shareholder of Parent will have any preemptive right or
similar rights in respect thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-38 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Parent owns, directly or indirectly, all of the issued and
outstanding shares of capital stock or other equity ownership interests of each of Parent Bank and Merger Sub, free and clear of any Liens, and all of such shares or equity ownership interests are duly authorized and validly issued and are fully
paid, nonassessable and free of preemptive rights, with no personal liability attaching to the ownership thereof. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_63">
</A>4.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Power and Authority</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each of Parent and Merger Sub has the
full corporate power and authority to own or lease, and operate, all of its properties and assets and to carry on its business as it is now being conducted. Each of Parent and Merger Sub has the requisite corporate power and authority to execute and
deliver this Agreement and, subject to the actions described below, to consummate the transactions contemplated hereby in accordance with the terms hereof. Each of the Parent Board and the Board of Directors of Merger Sub, by resolutions duly
adopted at a meeting duly called and held, has (i)&nbsp;determined that the Integrated Mergers, on the terms and conditions set forth in this Agreement, are in the best interests of Parent and its shareholders, or Merger Sub and its shareholder, as
applicable and (ii)&nbsp;approved the execution and delivery of this Agreement and the consummation of the Integrated Mergers; and no other corporate proceedings on the part of Parent or Merger Sub are necessary to approve this Agreement or to
consummate the transactions contemplated hereby.&nbsp;This Agreement has been duly and validly executed and delivered by each of Parent and Merger Sub and (assuming due authorization, execution and delivery by the Company) constitutes a valid and
legally binding obligation of Parent and Merger Sub, respectively, enforceable against Parent and Merger Sub, respectively, in accordance with its terms (except as enforceability may be limited by the Enforceability Exceptions). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Board of Directors of Parent Bank has adopted the Bank Merger Agreement. Parent, as the sole shareholder of
Parent Bank, has approved the Bank Merger Agreement, and the Bank Merger Agreement has been duly and validly executed and delivered by Parent Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_64"></A>4.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents and Approvals</U><U>;
<FONT STYLE="white-space:nowrap">Non-Contravention;</FONT> No Defaults.</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;No consents or approvals of, or
waivers by, or filings or registrations with, any Governmental Entity are required to be made or obtained by Parent in connection with the execution, delivery or performance by Parent of this Agreement or the consummation by Parent of the other
transactions contemplated hereby, or in connection with the execution, delivery or performance by Parent Bank of the Bank Merger Agreement or to consummate the transactions contemplated thereby, except for: (i)&nbsp;filings of applications or
notices, as applicable, with NASDAQ, (ii)&nbsp;filings of applications, notices or waiver requests, as applicable, with the Federal Reserve Board, the FDIC and the NYDFS and obtaining any required consents, approvals or waivers with respect to such
applications or notices or waiver requests, (iii)&nbsp;filing with the SEC of the <FONT STYLE="white-space:nowrap">S-4</FONT> and declaration of effectiveness of the <FONT STYLE="white-space:nowrap">S-4,</FONT> (iv)&nbsp;filing the First-Step Merger
Certificate with the New York Secretary, (v)&nbsp;filing the Second-Step Merger Certificates with the Delaware Secretary and the New York Secretary, (vi)&nbsp;filings of applications, notices or waiver requests, as applicable, with state licensing
or regulatory authorities and obtaining any required consents, approvals or waivers with respect to such applications, notices or waiver requests; and (vii)&nbsp;such filings and approvals as are required to be made or obtained under the securities
or &#147;blue sky&#148; Laws of various states in connection with the issuance of the shares of Parent Common Stock pursuant to this Agreement and the approval of the listing of such Parent Common Stock on the NASDAQ. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Subject to the receipt of the consents, approvals and waivers referred to in
<U>Section</U><U></U><U>&nbsp;4.5(a)</U>, the execution, delivery and performance of this Agreement and the consummation of the transactions contemplated hereby by Parent, and the execution, delivery and performance of the Bank Merger Agreement and
the consummation of the transactions contemplated thereby by Parent Bank, do not and will not (i)&nbsp;constitute a breach or violation of, or a default under, the Certificate of Incorporation of Parent or the Parent Bylaws, (ii)&nbsp;except as
would not be material, violate any applicable Law or obligation imposed by any Governmental Entity on Parent or any of its properties or assets, or, (iii)&nbsp;conflict with, result in a breach or violation of any provision of, or the loss of any
benefit under, or a default (or an event which, with notice or lapse of time, or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-39 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
both, would constitute a default) under, result in the creation of any Lien under, result in a right of termination or the acceleration of any right or obligation under, any permit, license,
credit agreement, indenture, loan, deed of trust, note, bond, mortgage, reciprocal easement agreement, lease, instrument, concession, contract, franchise, agreement or other instrument or obligation of Parent or to which Parent, or its properties or
assets, is subject or bound, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Parent has no Knowledge of any reason why the Requisite Regulatory Approvals will not be received in customary time
frames from the applicable Governmental Entities having jurisdiction over the transactions contemplated by this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_65">
</A>4.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Reports</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Since December&nbsp;31, 2017, Parent has filed all material
reports and statements (each, a &#147;<U>Parent Report</U>&#148;), together with any amendments required to be made with respect thereto, that it was required to file with the SEC pursuant to the Exchange Act. As of its date, each Parent Report (or,
if amended, as of the date so amended), complied in all material respects with the published rules and regulations of the SEC with respect thereto, and such Parent Report did not contain any untrue statement of a material fact or omit to state any
material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances in which they were made, not misleading. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Since December&nbsp;31, 2017, except, in each case, as has not had a Material Adverse Effect on Parent, Parent has
duly filed with the Federal Reserve Board and any other applicable Government Entity, in correct form, the reports and other documents required to be filed under applicable Laws and regulations and has paid all fees and assessments due and payable
in connection therewith, and such reports were in all material respects complete and correct and in compliance with the requirements of applicable Laws. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_66"></A>4.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Financial Statements.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The financial statements of Parent and its Subsidiaries included (or incorporated by reference) in the Parent
Reports (including the related notes, where applicable) (i)&nbsp;fairly present in all material respects the consolidated results of operations, cash flows, changes in shareholders&#146; equity and consolidated financial position of Parent and its
Subsidiaries for the respective fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to <FONT STYLE="white-space:nowrap">year-end</FONT> audit adjustments normal in nature and amount),
(ii)&nbsp;complied, as of their respective dates of filing with the SEC, in all material respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto, and (iii)&nbsp;have been prepared
in accordance with GAAP consistently applied during the periods involved, except, in each case, as indicated in such statements or in the notes thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Except as would not reasonably be expected to have, either individually or in the aggregate, a Material Adverse
Effect on Parent, neither Parent nor any Subsidiary of Parent has any liability (whether absolute, accrued, contingent or otherwise and whether due or to become due) required by GAAP to be included on a consolidated balance sheet of Parent, except
for those liabilities that are reflected or reserved against on the consolidated balance sheet of Parent included in its Annual Report on <FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT> for the fiscal year ended December&nbsp;31, 2018
(including any notes thereto) and for liabilities incurred in the ordinary course of business consistent with past practice since December&nbsp;31, 2018, or in connection with this Agreement and the transactions contemplated hereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The records, systems, controls, data and information of Parent and its Significant Subsidiaries are recorded,
stored, maintained and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive ownership and direct control of Parent or its Subsidiaries or accountants (including
all means of access thereto and therefrom), except for any <FONT STYLE="white-space:nowrap">non-exclusive</FONT> </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-40 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
ownership and <FONT STYLE="white-space:nowrap">non-direct</FONT> control that would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse Effect on
Parent.&nbsp;Parent (x)&nbsp;has implemented and maintains disclosure controls and procedures (as defined in <FONT STYLE="white-space:nowrap">Rule&nbsp;13a-15(e)&nbsp;promulgated</FONT> under the Exchange Act) to ensure that material information
relating to Parent, including its Significant Subsidiaries, is made known to the chief executive officer and the chief financial officer of Parent by others within those entities as appropriate to allow timely decisions regarding required
disclosures and to make the certifications required by the Exchange Act and Sections&nbsp;302 and 906 of the Sarbanes-Oxley Act, and (y)&nbsp;has disclosed, based on its most recent evaluation prior to the date hereof, to Parent&#146;s outside
auditors and the audit committee of the Parent Board (i)&nbsp;any significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in
<FONT STYLE="white-space:nowrap">Rule&nbsp;13a-15(f)&nbsp;promulgated</FONT> under the Exchange Act) that are reasonably likely to adversely affect Parent&#146;s ability to record, process, summarize and report financial information, and
(ii)&nbsp;to the Knowledge of Parent, any fraud, whether or not material, that involves management or other employees who have a significant role in Parent&#146;s internal controls over financial reporting.&nbsp;To the Knowledge of Parent, there is
no reason to believe that Parent&#146;s outside auditors and its chief executive officer and chief financial officer will not be able to give the certifications and attestations required pursuant to the rules&nbsp;and regulations adopted pursuant to
Section&nbsp;404 of the Sarbanes-Oxley Act, without qualification, when next due. As used in this <U>Section</U><U></U><U>&nbsp;4.7(c)</U>, the term &#147;<U>Significant Subsidiary</U>&#148; means each Subsidiary that is a &#147;significant
subsidiary&#148; as defined in <FONT STYLE="white-space:nowrap">Regulation&nbsp;S-X,</FONT> promulgated by the SEC, as in effect as of the date hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_67"></A>4.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence of Certain Events</U>. Since December&nbsp;31, 2018 to the date of this
Agreement, no events have occurred that have had or would reasonably be expected to have, in the aggregate, a Material Adverse Effect on Parent, except as disclosed in reports, statements and amendments thereto filed with the SEC pursuant to the
Exchange Act. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_68"></A>4.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Brokers</U>.&nbsp;With the exception of the engagement of
Deutsche Bank and each of the Persons listed in <U>Section</U><U></U><U>&nbsp;4.9 of the Parent Disclosure Schedule</U>, neither Parent nor any of its Subsidiaries, nor any of their respective officers or directors, has employed any broker, finder
or financial advisor or incurred any liability for any broker&#146;s fees, commissions or finder&#146;s fees in connection with the Integrated Mergers or related transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_69"></A>4.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal Proceedings</U>. There are no Actions pending or, to Parent&#146;s
Knowledge, threatened against Parent, or against any asset, interest or right of Parent, that would be required to be disclosed in a <FONT STYLE="white-space:nowrap">Form&nbsp;10-K</FONT> or <FONT STYLE="white-space:nowrap">Form&nbsp;10-Q</FONT>
pursuant to Item&nbsp;103 of <FONT STYLE="white-space:nowrap">Regulation&nbsp;S-K</FONT> of the SEC&#146;s rules and regulations that are not so disclosed or that challenge or seek to prevent, enjoin, alter or delay the transactions contemplated by
this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_70"></A>4.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance with Applicable Law</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Parent and Parent Bank are, and have been since January&nbsp;1, 2018, in compliance in all material respects with
all federal, state, local and foreign Laws applicable thereto or to the employees conducting the businesses of Parent and Parent Bank, except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on
Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Parent Bank has a Community Reinvestment Act rating of not less than &#147;satisfactory&#148; in its
most recently completed exam. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_71"></A>4.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Capitalization</U>. Parent is
&#147;well-capitalized&#148; and &#147;well-managed&#148; as such terms are defined in the rules and regulations promulgated by the Federal Reserve Board. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_72"></A>4.13&nbsp;&nbsp;&nbsp;&nbsp;<U>Reorganization</U>.&nbsp;Neither Parent nor any of its Subsidiaries has taken
or agreed to take any action or is aware of any fact or circumstance that could reasonably be expected to prevent the Integrated Mergers, taken together, from being treated as an integrated transaction that qualifies as a &#147;reorganization&#148;
within the meaning of Section&nbsp;368(a) of the Code. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-41 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_73"></A>4.14&nbsp;&nbsp;&nbsp;&nbsp;<U>Financing; Stock
Consideration</U>. Parent has, as of the date hereof, and will have, as of the Effective Time, sufficient available cash to pay the amounts required to be paid, and will have duly reserved sufficient shares of Parent Common Stock to be issued, to
Company shareholders pursuant to this Agreement upon consummation of the Integrated Mergers. The shares of Parent Common Stock to be issued and delivered to Company shareholders in accordance with this Agreement, when so issued and delivered, will
be duly authorized, validly issued, fully paid and <FONT STYLE="white-space:nowrap">non-assessable,</FONT> and no shareholder of Parent shall have any <FONT STYLE="white-space:nowrap">pre-emptive</FONT> rights with respect thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_74"></A>4.15&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Contracts.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each contract, arrangement, commitment or understanding (whether written or oral) which is a &#147;material
contract&#148; (as such term is defined in Item 601(b)(10) of Regulation <FONT STYLE="white-space:nowrap">S-K</FONT> of the SEC) to which Parent or any of its Subsidiaries is a party or by which Parent or any of its Subsidiaries is bound as of the
date hereof has been filed as an exhibit to the most recent Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> filed by Parent, or a Quarterly Report on Form <FONT STYLE="white-space:nowrap">10-Q</FONT> or Current Report on Form <FONT
STYLE="white-space:nowrap">8-K</FONT> subsequent thereto (each, a &#147;<U>Parent Contract</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Parent
and each of its Subsidiaries has performed all obligations required to be performed by it to date under each Parent Contract, except where such noncompliance either individually or in the aggregate, would not reasonably be expected to have a
Material Adverse Effect on Parent. To Parent&#146;s Knowledge, each third-party counterparty to each Parent Contract has performed all obligations required to be performed by it to date under such Parent Contract, and no event or condition exists
which constitutes or, after notice or lapse of time or both, will constitute, a default on the part of Parent or any of its Subsidiaries under any such Parent Contract, except where such default, either individually or in the aggregate, would not
reasonably be expected to have a Material Adverse Effect on Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_75"></A>4.16&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Other Representations or Warranties</U>. Except for the representations and warranties made by Parent in this <U>ARTICLE IV</U>, neither Parent nor any other Person makes any express or implied representation or warranty with respect to Parent, its
Subsidiaries or their respective businesses, operations, assets, liabilities, conditions (financial or otherwise) or prospects, and Parent hereby disclaims any such other representations or warranties.&nbsp;In particular, without limiting the
foregoing disclaimer, neither Parent nor any other Person makes or has made any representation or warranty to the Company or any of its affiliates or representatives with respect to (i)&nbsp;any financial projection, forecast, estimate, budget or
prospective information relating to Parent or any of its Subsidiaries or their respective businesses, or (ii)&nbsp;except for the representations and warranties made by Parent in this <U>ARTICLE IV</U>, any oral or written information presented to
the Company or any of its affiliates or representatives in the course of their due diligence investigation of Parent, the negotiation of this Agreement or in the course of the transactions contemplated hereby. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_76"></A>ARTICLE V </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">COVENANTS RELATING TO CONDUCT OF BUSINESS </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_77"></A>5.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Conduct of Business of the Company Prior to the Effective Time</U>.&nbsp;During
the period from the date of this Agreement and continuing until the Effective Time, the Company agrees, as to itself and Company Bank, that except (i)&nbsp;as set forth in <U>Section</U><U></U><U>&nbsp;5.1 of the Company Disclosure Schedule</U>,
(ii)&nbsp;as expressly contemplated or permitted by this Agreement, or required by applicable Law, or (iii)&nbsp;with the prior written consent of Parent (which consent shall not be unreasonably withheld, conditioned or delayed), the Company shall,
and shall cause Company Bank to, (x)&nbsp;conduct its business in the ordinary course of business, consistent with past practice and in compliance in all material respects with all applicable Laws, and (y)&nbsp;use commercially reasonable efforts to
maintain and preserve intact its business organization, employees and advantageous business relationships. The Company shall, and shall cause Company Bank to, take no action that would reasonably be expected to adversely affect or materially delay
the ability to obtain necessary approvals of any Regulatory Agency or other </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-42 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Governmental Entity required for the transactions contemplated hereby or to perform its covenants and agreements under this Agreement or to consummate the transactions contemplated hereby on an
timely basis. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_78"></A>5.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Forbearances</U>. During the period from the date of
this Agreement and continuing until the Effective Time, except (i)&nbsp;as set forth in <U>Section</U><U></U><U>&nbsp;5.2 of the Company Disclosure Schedule</U>, (ii)&nbsp;as expressly contemplated or permitted by this Agreement, or required by
applicable Law, or (iii)&nbsp;with the prior written consent of Parent (which consent shall not be unreasonably withheld, conditioned or delayed), the Company shall not, and shall not permit Company Bank to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;issue, sell, grant, pledge, deliver, dispose of, encumber or otherwise permit to become outstanding any additional
shares of its capital stock or any securities convertible into or exercisable or exchangeable for any shares of its capital stock, or any options, warrants or other rights of any kind to acquire any shares of capital stock or any equity-based awards
or interests, except for shares of Company Common Stock to be issued pursuant to the exercise of Company Warrants and Company Equity Awards outstanding on the date hereof; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;directly or indirectly change (or establish a record date for changing), adjust, split, combine, redeem,
reclassify, exchange, purchase or otherwise acquire any shares of its capital stock, any other securities (including units of beneficial ownership interest in any partnership or limited liability company) convertible into or exchangeable for any
shares of its capital stock or any options, warrants or other rights of any kind to acquire any shares of its capital stock; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;make, declare or pay, or set aside for payment, any dividends payable in cash, shares or property on or in respect
of, or declare or make any distribution on, any shares of its capital stock, except for dividends or distributions from Company Bank to the Company; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;except as required by the terms of any Company Benefit Plan in effect as of the date hereof, (A)&nbsp;increase the
compensation or benefits payable or to become payable to any current or former employee, officer, director or consultant of the Company or Company Bank, other than increases in base salary in the ordinary course of business consistent with past
practice not to exceed three percent (3%) in the aggregate, (B)&nbsp;establish, adopt, enter into or amend (except in the case of immaterial amendments that do not increase liabilities of the Company or Company Bank) any Company Benefit Plan or any
benefit plan, agreement, program, policy, commitment or other arrangement that would be a Company Benefit Plan if it were in existence on the date of this Agreement, (C)&nbsp;increase the compensation or benefits payable under any existing
severance, termination, change in control or retention pay policy or employment or other agreement or Company Benefit Plan,<SUP STYLE="font-size:85%; vertical-align:top"> </SUP>(D)&nbsp;accelerate the vesting or time of payment of any equity or
equity-based compensation or other compensation, (E)&nbsp;grant any awards under any bonus, incentive, performance or other compensation plan or arrangement or any Company Benefit Plan, or (F)&nbsp;take any action to fund any trust or similar
funding vehicle in advance of the payment of compensation or benefits under any Company Benefit Plan; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;terminate any officer or key employee other than for cause or hire any Person as an officer or key employee of the
Company or Company Bank, except&nbsp;to fill vacancies that may arise from time to time in the ordinary course of business at an annual rate of salary commensurate with the employee being replaced; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;sell, transfer or lease any properties or assets (whether real, personal or mixed, tangible or intangible) to, or
buy, acquire or lease any properties or assets (whether real, personal or mixed, tangible or intangible) from, any of its officers or directors or any of their immediate family members or any affiliates or Associates of any of its officers or
directors; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;pay, loan or advance an amount exceeding $250,000 (excluding renewals of existing Loans in the
ordinary course of business) to any officer or director or any of their immediate family members or any affiliates or Associates of any officer or director other than compensation or business expense advancements or reimbursements in the ordinary
course of business consistent with past practice and other than part of the terms of such Persons&#146; employment or services as a director with the Company or Company Bank; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-43 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;except in the ordinary course of business consistent with past
practice, sell, license, lease, transfer, assign, mortgage, pledge, encumber or otherwise dispose of or discontinue any of its rights, assets, deposits, business or properties or cancel or release any indebtedness owed to the Company or Company
Bank; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;acquire (other than by way of foreclosures or acquisitions of control in a bona fide fiduciary capacity
or in satisfaction of debts previously contracted in good faith, in each case in the ordinary course of business consistent with past practice), whether by merging or consolidating with, by purchasing a substantial equity interest in or a
substantial portion of the assets of, by forming a partnership or joint venture with, or in any other manner, any business or any corporation, partnership, association or other business organization or division thereof or otherwise acquire or agree
to acquire all or any portion of the assets, debt, business, deposits or properties of any other entity or Person; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;make, or commit to make, any capital expenditures in amounts exceeding $15,000 individually or $50,000 in the
aggregate; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;amend the Company&#146;s certificate of incorporation or bylaws or any equivalent organizational
documents of Company Bank; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(l)&nbsp;&nbsp;&nbsp;&nbsp;implement or adopt any change in its accounting principles, practices or methods,
other than as may be required by GAAP or applicable regulatory accounting requirements; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(m)&nbsp;&nbsp;&nbsp;&nbsp;materially deviate
from its internal audit plan; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(n)&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;amend, modify, terminate or extend, or waive any material provision of,
any Company Material Contract, Lease or Insurance Policy, or make any change in any instrument or agreement governing the terms of any of its securities, other than renewals of or amendments to such Company Material Contracts, Leases and Insurance
Policies which do not result in material adverse changes of terms with respect to the Company or Company Bank or (ii)&nbsp;enter into any contract that would constitute a Company Material Contract if it were in effect on the date of this Agreement;
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(o)&nbsp;&nbsp;&nbsp;&nbsp;other than settlement of foreclosure actions or deficiency judgment settlements in the ordinary course of
business consistent with past practice, (i)&nbsp;enter into any settlement or similar agreement with respect to any action, suit, proceeding, order or investigation to which the Company or Company Bank is a party or becomes a party after the date of
this Agreement, which settlement or agreement (A)&nbsp;involves payment by the Company or Company Bank of an amount which exceeds $25,000 individually, or $50,000 in the aggregate, and/or (B)&nbsp;would impose any material restriction on the
business of the Company or Company Bank or (ii)&nbsp;waive or release any material rights or claims, or agree or consent to the issuance of any injunction, decree, order or judgment materially restricting or otherwise affecting the business or
operations of the Company and Company Bank; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(p)&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;enter into any new line of business, (ii)&nbsp;introduce
any material new products or services or incentive programs or arrangements, (iii)&nbsp;change in any material respect its lending, investment, underwriting, risk and asset liability management and other banking and operating policies (including any
change in the maximum ratio or similar limits as a percentage of capital exposure applicable with respect to its loan portfolio or any segment thereof), (iv) make any material changes in its policies and practices with respect to underwriting,
pricing, originating, acquiring, selling, servicing or buying or selling rights to service Loans, or (v)&nbsp;make any material changes in its policies and practices with respect to its hedging practices and policies, except, in each case, as
required by applicable Law; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(q)&nbsp;&nbsp;&nbsp;&nbsp;materially restructure or materially change its investment securities portfolio or
its interest rate exposure, through purchases, sales or otherwise (but not redemptions by the issuers of any such securities), or the manner in which the portfolio is classified or reported, except as may be required by GAAP; <U>provided</U>, that
Company Bank may manage its investment securities in the ordinary course of business consistent with past practice; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-44 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(r)&nbsp;&nbsp;&nbsp;&nbsp;purchase any equity security or any security rated below
investment grade; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(s)&nbsp;&nbsp;&nbsp;&nbsp;enter into any Derivative Transaction other than in the ordinary course of business
consistent with past practice; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(t)&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;incur, assume, modify, extend or renegotiate any indebtedness other
than deposits, Federal Home Loan Bank of New York advances and short-term advances, in each case, in the ordinary course of business, (ii)&nbsp;assume, guarantee, endorse or otherwise as an accommodation become responsible for the obligations of any
other Person (other than creation of deposit liabilities, purchases of federal funds and sales of certificates of deposit, which are in each case in the ordinary course of business consistent with past practice) or (iii)&nbsp;prepay or voluntarily
repay any subordinated indebtedness; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(u)&nbsp;&nbsp;&nbsp;&nbsp;(i) make any Loan or extension of credit except in the ordinary course of
business consistent with past practice and consistent with written lending guidelines in effect as of the date hereof, (ii)&nbsp;make any unsecured commercial Loan or extension of credit in excess of $1,000,000 (excluding renewals of existing
commercial Loans in the ordinary course of business) and (iii)&nbsp;make any personal Loan or extension of credit (exclusive of overdrafts, which are addressed in <U>Section</U><U></U><U>&nbsp;5.2(ee)</U>, and excluding renewals of existing personal
Loans in the ordinary course of business) in excess of $250,000; <U>provided</U>, that in the case of (ii)&nbsp;and (iii) above, the process to seek the prior written consent of Parent in accordance with the introductory sentence of this
<U>Section</U><U></U><U>&nbsp;5.2</U> shall require the prior written approval of the Chief Financial Officer of Parent or another officer designated by Parent, which approval or rejection shall be given in writing within three (3)&nbsp;business
days after the complete loan package is delivered to such individual; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(v)&nbsp;&nbsp;&nbsp;&nbsp;make any investment or commitment to
invest in real estate or in any real estate development project other than by way of foreclosure or deed in lieu thereof or make any investment or commitment to develop, or otherwise take any actions to develop any real estate owned by the Company
or Company Bank; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(w)&nbsp;&nbsp;&nbsp;&nbsp;make, change or rescind any material Tax election, change an annual Tax accounting period,
adopt or change any material Tax accounting method, file any amended Tax Return, enter into any closing agreement with respect to Taxes or settle or compromise any material Tax claim, audit, assessment or dispute, agree to any adjustment of any Tax
attribute, consent to any extension or waiver of the limitation period applicable to any Tax claim or assessment or surrender any material right to claim a refund of Taxes; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(x)&nbsp;&nbsp;&nbsp;&nbsp;commit any act or omission which constitutes a breach or default by the Company or Company Bank under any agreement
with any Governmental Entity or under any Company Material Contract and that could reasonably be expected to result in one of the conditions set forth in <U>ARTICLE VII</U> not being satisfied on the Closing Date; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(y)&nbsp;&nbsp;&nbsp;&nbsp;foreclose on or take a deed or title to any real estate that, upon such foreclosure or acceptance of a deed or
title to such real estate, will become classified as OREO (other than single-family or multi-family residential properties) without first conducting a Phase&nbsp;I environmental site assessment pursuant to ASTM International
(&#147;<U>ASTM</U>&#148;) Standard <FONT STYLE="white-space:nowrap">E1527-13</FONT> that satisfies the requirements of 40 C.F.R. Part 312, or foreclose on or take a deed or title to any real estate that upon such foreclosure or acceptance of a deed
or title to such real estate will become classified as OREO (other than single-family or multi-family residential properties) if such environmental assessment indicates the presence or likely presence of any Hazardous Substances under conditions
that indicate an existing release, a past release, or a material threat of a release of any Hazardous Substances into structures on the property or into the ground, ground water, or surface water of the property; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(z)&nbsp;&nbsp;&nbsp;&nbsp;take any action or knowingly fail to take any action that is intended or reasonably might be expected to prevent or
impair the ability of the Company or Company Bank to consummate the Integrated Mergers or the Bank Merger or prevent the Company or Company Bank from consummating any of the other transactions contemplated by this Agreement or the Bank Merger
Agreement, including by adversely affecting </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-45 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the ability of the parties hereto or to the Bank Merger Agreement to obtain any Requisite Regulatory Approval without imposition of a Burdensome Condition. For purposes of this Agreement,
&#147;<U>Burdensome Condition</U>&#148; means any condition, prohibition, limitation, or other requirement which would, as determined by the Parent Board in its reasonable discretion, (i)&nbsp;prohibit or materially limit the ownership or operation
by the Company or Company Bank, or by Parent or any of its Subsidiaries, of all or any material portion of the business or assets of the Company or Company Bank or Parent or its Subsidiaries, (ii)&nbsp;compel Parent or any of its Subsidiaries to pay
any amounts (other than customary filing fees and fees of professional advisors customary to effect transactions comparable in nature and size to those contemplated by this Agreement), (iii) compel Parent or any of its Subsidiaries to divest any
banking office or otherwise dispose of all or any material portion of the business or assets of the Company or Company Bank or Parent or any of its Subsidiaries, (iv)&nbsp;continue any portion of any material Company Regulatory Agreement against
Parent or any of its Subsidiaries after the Integrated Mergers, (v)&nbsp;increase the capital requirements of Parent or any of its Subsidiaries, (vi)&nbsp;restrict or materially limit the ability of Parent or its Subsidiaries to expand its business,
or (vii)&nbsp;otherwise be reasonably likely to have a material and adverse effect on Parent and its Subsidiaries, taken as a whole and giving effect to the Integrated Mergers (in each case, measured on a scale relative to the Company and Company
Bank, taken as a whole); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(aa)&nbsp;&nbsp;&nbsp;&nbsp;directly or indirectly repurchase, redeem or otherwise acquire any shares of its
capital stock or any securities convertible into or exercisable for any shares of its capital stock; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(bb)&nbsp;&nbsp;&nbsp;&nbsp;file any
application or make any contract or commitment for the opening or relocation of any, or open or relocate any, branch office, loan production or servicing facility; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(cc)&nbsp;&nbsp;&nbsp;&nbsp;merge or consolidate itself or Company Bank with any other Person, or restructure, reorganize or completely or
partially liquidate or dissolve itself or Company Bank; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(dd)&nbsp;&nbsp;&nbsp;&nbsp;compromise, resolve or otherwise &#147;workout&#148;
any delinquent or troubled Loan unless any such Loan workout is done in the ordinary course of business consistent with past practice; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ee)&nbsp;&nbsp;&nbsp;&nbsp;honor any overdraft in excess of $50,000 in the absence of a written agreement with the customer that legally
obligates the Company to honor the overdraft, which agreement is in existence prior to the date hereof and is identified in <U>Section</U><U></U><U>&nbsp;3.36 of the Company Disclosure Schedule</U>; <U>provided</U>, <U>however</U>, that the
foregoing shall not apply to overdrafts to existing customers identified in <U>Section</U><U></U><U>&nbsp;5.2(ee) of the Company Disclosure Schedule</U>; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(ff)&nbsp;&nbsp;&nbsp;&nbsp;take any action or knowingly fail to take any action where such action or failure to act could reasonably be
expected to prevent the Integrated Mergers, taken together, from being treated as an integrated transaction that qualifies as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(gg)&nbsp;&nbsp;&nbsp;&nbsp;agree to take or make any commitment to take, or adopt any resolutions of its board of directors or similar
governing body in support of, any of the actions prohibited by this <U>Section</U><U></U><U>&nbsp;5.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_79"></A>5.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Parent Forbearances</U>.&nbsp;During the period from the date hereof until the
Effective Time, except as expressly contemplated or permitted by this Agreement or as required by applicable Law, without the prior written consent of the Company (which consent shall not be unreasonably withheld, conditioned or delayed), Parent
shall not, and shall not permit any of its Subsidiaries to: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;amend the Parent certificate of incorporation in a
manner that would adversely affect the economic benefits of the Integrated Mergers to the Holders; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;take any
action or knowingly fail to take any action that is intended or reasonably might be expected to prevent or impair the ability of Parent or Parent Bank to consummate the Integrated Mergers or prevent Parent or Parent Bank from consummating any of the
other transactions contemplated by this Agreement; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-46 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;take any action or knowingly fail to take any action where such
action or failure to act would reasonably be expected to prevent the Integrated Mergers, taken together, from being treated as an integrated transaction that qualifies as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the
Code; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;agree to take, make any commitment to take, or adopt any resolutions of its board of directors or
similar governing body in support of, any of the actions prohibited by this <U>Section</U><U></U><U>&nbsp;
5.3</U>. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_80"></A>ARTICLE VI </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ADDITIONAL AGREEMENTS </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_81">
</A>6.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration Statement; Proxy Statement.</U> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The parties hereto agree to
cooperate in the preparation of the <FONT STYLE="white-space:nowrap">S-4,</FONT> including the Proxy Statement. The Company shall use reasonable best efforts to promptly deliver to Parent such information with respect to the Company and Company
Bank, their respective affiliates and the respective holders of their capital stock as may be reasonably requested or required in order to prepare and file the <FONT STYLE="white-space:nowrap">S-4</FONT> or any other report required to be filed by
Parent with the SEC, or in connection with the qualification of the issuance of the Parent Common Stock with respect to state securities or &#147;blue sky&#148; Laws, in each case, in compliance with applicable Law, and shall, as promptly as
practicable following execution of this Agreement, prepare and deliver drafts of such information to Parent to review. The parties hereto agree to use reasonable best efforts to cause the <FONT STYLE="white-space:nowrap">S-4</FONT> to be filed with
the SEC as promptly as reasonably practicable after the date of this Agreement, but in any event within forty-five (45)&nbsp;days of the date of this Agreement, and to be declared effective by the SEC as promptly as reasonably practicable after the
filing thereof and to keep the <FONT STYLE="white-space:nowrap">S-4</FONT> effective for so long as necessary to complete the Integrated Mergers. The Company agrees to cooperate with Parent and Parent&#146;s counsel and accountants in requesting and
obtaining appropriate opinions, consents and letters from the Company&#146;s independent auditors in connection with the <FONT STYLE="white-space:nowrap">S-4</FONT> and the Proxy Statement. After the <FONT STYLE="white-space:nowrap">S-4</FONT> is
declared effective under the Securities Act, the Company, at its own expense, shall promptly mail or cause to be mailed the Proxy Statement to its shareholders. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Proxy Statement and the <FONT STYLE="white-space:nowrap">S-4</FONT> shall comply as to form in all material
respects with the applicable provisions of the Securities Act and the Exchange Act and the rules and regulations thereunder. Each of the parties hereto agrees, as to itself and its Subsidiaries, that none of the information supplied or to be
supplied by or on behalf of itself for inclusion or incorporation by reference in (i)&nbsp;the <FONT STYLE="white-space:nowrap">S-4</FONT> will, at the time the <FONT STYLE="white-space:nowrap">S-4</FONT> is filed with the SEC, at any time it is
amended or supplemented or at the time it becomes effective under the Securities Act, contain any untrue statement of a material fact or omit to state any material fact required to be stated therein or necessary in order to make the statements
therein not misleading or (ii)&nbsp;the Proxy Statement will, at the date it is first mailed to shareholders of the Company (or such other Persons entitled to vote in respect of matters covered thereby) or at the time of the Company Meeting, contain
any untrue statement of a material fact or omit to state a material fact necessary in order to make the statements, in light of the circumstances in which they were made, not misleading. If, at any time prior to the Effective Time, any information
relating to the parties hereto, or any of their respective affiliates, shall be discovered by the Company or Parent that, in the reasonable judgment of Parent, should be set forth in an amendment of, or a supplement to, any of the <FONT
STYLE="white-space:nowrap">S-4</FONT> or the Proxy Statement, so that any of such documents would not include any misstatement of a material fact or omit to state any material fact necessary to make the statements therein, in light of the
circumstances under which they were made, not misleading, the party which discovers such information shall promptly notify the other parties hereto, and the parties hereto shall cooperate in the prompt filing with the SEC of any necessary amendment
of, or supplement to, the Proxy Statement or the <FONT STYLE="white-space:nowrap">S-4</FONT> and, to the extent required by Law, in disseminating the information contained in such amendment or supplement to shareholders of the Company. Parent will
advise the Company, promptly after Parent receives notice thereof, of the time when the <FONT STYLE="white-space:nowrap">S-4</FONT> has become effective, of the issuance of any stop order or the suspension of the qualification of Parent Common Stock
issuable for offering or sale in any jurisdiction, or of any request by the SEC for the amendment or supplement of the <FONT STYLE="white-space:nowrap">S-4</FONT> or upon the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-47 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
receipt of any comments (whether written or oral) from the SEC or its staff. Parent will provide the Company and its counsel with a reasonable opportunity to review and comment on the <FONT
STYLE="white-space:nowrap">S-4,</FONT> and, except to the extent such response is submitted under confidential cover, all responses to requests for additional information by and replies to comments of the SEC prior to filing such with, or sending
such to, the SEC. Parent will provide the Company and its counsel with a copy of all such filings made with the SEC. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_82">
</A>6.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory Matters</U>. Except with respect to any forms, reports, statements or certifications filed, furnished or otherwise submitted to or with the SEC (which shall be governed by
<U>Section</U><U></U><U>&nbsp;6.1</U>): </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Each of the parties hereto shall, and shall cause its Subsidiaries to,
cooperate with the other party and use its reasonable best efforts to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, to obtain as promptly as practicable all permits, consents,
approvals, waivers and authorizations of all third parties and Governmental Entities which are necessary or advisable to consummate the transactions contemplated by this Agreement and to comply with the terms and conditions of all such permits,
consents, approvals, waivers and authorizations of all such third parties and Governmental Entities; <U>provided</U>, that neither party nor any of its Subsidiaries will be required to make any payment to or grant any concessions to any third party
in connection therewith. Without limiting the generality of the foregoing, as soon as practicable and in no event later than forty-five (45)&nbsp;days after the date of this Agreement, the parties hereto shall, and shall cause their respective
Subsidiaries to, each prepare and file any applications, notices, requests and filings required to be filed with any Governmental Entity in order to obtain the Requisite Regulatory Approvals.&nbsp;The parties hereto shall each use, and shall each
cause its applicable Subsidiaries to use, reasonable best efforts to (i)&nbsp;take, or cause to be taken, all actions necessary, proper or advisable to obtain any third-party consent which may be required to be obtained in connection with the
transactions contemplated hereby, and, subject to the conditions set forth in <U>ARTICLE VII</U>, to consummate the transactions contemplated hereby (including, for purposes of this <U>Section</U><U></U><U>&nbsp;6.2</U>, required in order to
continue any contract or agreement with the Company or Company Bank following the Closing or to avoid any penalty or other fee under such contracts and agreements, in each case arising in connection with the transactions contemplated hereby) and
(ii)&nbsp;obtain each Requisite Regulatory Approval as promptly as reasonably practicable.&nbsp;Parent and the Company shall have the right to review in advance, and, to the extent practicable, each will consult the other on, in each case subject to
applicable Laws relating to the exchange of information, all the information relating to Parent or the Company, as the case may be, and any of their respective Subsidiaries, that appears in any filing made with, or written materials submitted to,
any third party or any Governmental Entity in connection with the transactions contemplated by this Agreement.&nbsp;In exercising the foregoing right, each of the parties hereto shall act reasonably and as promptly as practicable.&nbsp;The Company
will reasonably consult with Parent with respect to the obtaining of all permits, consents, approvals, waivers and authorizations of all third parties and Governmental Entities necessary or advisable to consummate the transactions contemplated by
this Agreement, and each party will keep the other apprised of the status of matters relating to completion of the transactions contemplated hereby.&nbsp;The Company shall consult with Parent in advance of any meeting or conference that the Company
may have with any Governmental Entity in connection with the transactions contemplated by this Agreement and, to the extent permitted by such Governmental Entity, give Parent and/or its counsel the opportunity to attend and participate in such
meetings and conferences. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Parent and the Company shall, upon request, furnish each other with all information
concerning themselves, their Subsidiaries, directors, officers and shareholders and such other matters as may be reasonably necessary or advisable in connection with the any statement, filing, notice or application made by or on behalf of Parent,
the Company or any of their respective Subsidiaries to any Governmental Entity in connection with the Integrated Mergers and the other transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;To the extent not prohibited by applicable Law, each of the Company and Parent shall promptly advise the other upon
receiving any communication from any Governmental Entity whose consent, approval or waiver is required for consummation of the transactions contemplated by this Agreement that causes such party to believe that there is a reasonable likelihood that
any Requisite Regulatory Approval will not be obtained or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-48 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
that the receipt of any such approval will be materially delayed.&nbsp;As used in this Agreement, &#147;<U>Requisite Regulatory Approvals</U>&#148; means all required regulatory authorizations,
consents, waivers, orders or approvals from (x)&nbsp;the Federal Reserve Board, the FDIC and the NYDFS and (y)&nbsp;any other approvals set forth in <U>Section</U><U></U><U>&nbsp;3.6</U> and <U>Section</U><U></U><U>&nbsp;4.5</U> that are necessary
to consummate the transactions contemplated by this Agreement, except for any such approvals the failure of which to be obtained would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on the Surviving
Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_83"></A>6.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Access to Information.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;For the purposes of verifying the representations and warranties of the Company and preparing for the Integrated
Mergers and the other matters contemplated by this Agreement, the Company agrees that, upon reasonable notice and subject to applicable Laws relating to the exchange of information, the Company shall afford to the officers, employees, accountants,
counsel and other representatives of Parent access, during normal business hours during the period prior to the Effective Time, to its properties, books, records, officers and employees and to such other information as Parent may reasonably request,
and, during such period, the Company shall make available to Parent such other information concerning its business, properties and personnel and Company Bank that is substantially similar in scope to the information provided to Parent in connection
with its diligence review prior to the date of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;As soon as reasonably practicable after they
become available, to the extent not prohibited by applicable Law, the Company shall furnish to Parent (i)&nbsp;copies of the board packages distributed to the Company Board or the board of directors of Company Bank, (ii)&nbsp;minutes from the
meetings thereof, (iii)&nbsp;copies of any internal management financial control reports showing actual financial performance against plan and previous period, and (iv)&nbsp;copies of any reports provided to the Company Board or any committee
thereof relating to its financial performance and risk management. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;No investigation by Parent or its
representatives shall be deemed to modify or waive any representation, warranty, covenant or agreement of the Company set forth in this Agreement or the conditions to the obligations of Parent to consummate the transactions contemplated hereby. Any
investigation hereunder shall be conducted in such manner as not to interfere unreasonably with the conduct of business of the Company or Company Bank. No investigation by the Company or its representatives shall be deemed to modify or waive any
representation, warranty, covenant or agreement of Parent set forth in this Agreement or the conditions to the obligations of the Company to consummate the transactions contemplated hereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything in this <U>Section</U><U></U><U>&nbsp;6.3</U> to the contrary, the Company shall not be
required to provide access to or to disclose information where such access or disclosure would jeopardize any attorney-client privilege or contravene any Law, judgment, decree, fiduciary duty or binding agreement entered into prior to the date of
this Agreement. The Company will make appropriate substitute disclosure arrangements under circumstances in which the restrictions of the preceding sentence apply. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Each of the Parent and the Company shall hold all information furnished by or on behalf of the other party or their
representatives, pursuant to this <U>Section</U><U></U><U>&nbsp;6.3</U> or otherwise, in confidence to the extent required by, and in accordance with, the provisions of the Mutual Confidentiality and
<FONT STYLE="white-space:nowrap">Non-Disclosure</FONT> Agreement, dated August&nbsp;16, 2019, between Parent and the Company (the &#147;<U>Confidentiality Agreement</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_84"></A>6.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Company Shareholder Approval</U><U>.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The Company shall take, in accordance with applicable Law and the Company&#146;s articles of incorporation and
bylaws, all action necessary to establish a record date for, and to duly call, give notice of, convene and hold a meeting of its shareholders (the &#147;<U>Company </U><U>Meeting</U>&#148;) as soon as practicable (and in any event such meeting to be
convened within forty-five (45)&nbsp;days following the time when the <FONT STYLE="white-space:nowrap">S-4</FONT> is declared effective) for the purpose of obtaining the Requisite Company Vote required in connection with this Agreement
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-49 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
and the Integrated Mergers. Except with the prior approval of Parent, no other matters shall be submitted for the approval of Company shareholders at the Company Meeting. The Company shall,
through the Company Board, recommend to its shareholders that they adopt and approve this Agreement and the transactions contemplated hereby (the &#147;<U>Company Recommendation</U>&#148;) and shall use its reasonable best efforts to solicit such
approval from the shareholders of the Company and to obtain the Requisite Company Vote, including by communicating to its shareholders the Company Recommendation (and including the Company Recommendation in the Proxy Statement). However, subject to
<U>Section</U><U></U><U>&nbsp;8.1</U> and <U>Section</U><U></U><U>&nbsp;8.2</U>, if the Company Board, after receiving the advice of its outside counsel and, with respect to financial matters, its financial advisor, determines in good faith that it
would be reasonably likely to constitute a violation of its fiduciary duties under applicable Law to continue to recommend this Agreement, then in submitting this Agreement to its shareholders, the Company Board may (but shall not be required to)
submit this Agreement to its shareholders without recommendation (although the resolutions approving this Agreement as of the date hereof may not be rescinded or amended), in which event the Company Board may communicate the basis for its lack of a
recommendation to its shareholders in the Proxy Statement or an appropriate amendment or supplement thereto to the extent required by law; <U>provided</U>, that the Company Board may not take any actions under this sentence unless (i)&nbsp;it gives
Parent at least five (5)&nbsp;business days&#146; prior written notice of its intention to take such action and a reasonable description of the event or circumstances giving rise to its determination to take such action (including, in the event such
action is taken by the Company Board in response to a Superior Proposal, the latest material terms and conditions of, and the identity of the third party making, any such Superior Proposal, or any amendment or modification thereof, or describe in
reasonable detail such other event or circumstance), and (ii)&nbsp;at the end of such notice period, the Company Board takes into account any amendment or modification to this Agreement proposed by the other party and after receiving the advice of
its outside counsel and, with respect to financial matters, its financial advisor, determines in good faith that it would nevertheless be reasonably likely to constitute a violation of its fiduciary duties under applicable law to continue to
recommend this Agreement. Notwithstanding the foregoing, the changing, qualifying or modifying of the Company Recommendation by the Company Board shall not change the approval of the Company Board for purposes of causing any Takeover Law to be
inapplicable to this Agreement and the transactions contemplated hereby. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Except to the extent provided
otherwise in <U>Section</U><U></U><U>&nbsp;6.4(a)</U>, (i)&nbsp;the Company Board shall at all times prior to and during the Company Meeting make the Company Recommendation and shall not make a Company Subsequent Determination, and (ii)&nbsp;the
Proxy Statement shall include the Company Recommendation. In the event that there is present at the Company Meeting, in person or by proxy, sufficient favorable voting power to secure the Requisite Company Vote, the Company will not adjourn or
postpone the Company Meeting unless the Company Board reasonably determines in good faith, after consultation with and having considered the advice of counsel, that failure to do so would constitute a violation of its fiduciary duties under
applicable Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Company shall adjourn or postpone the Company Meeting if, as of the time for which such
meeting is originally scheduled there are insufficient shares of Company Common Stock represented (either in person or by proxy) to constitute a quorum necessary to conduct the business of such meeting. Notwithstanding anything to the contrary in
this Agreement, unless this Agreement has been terminated in accordance with its terms, the Company shall ensure that the Company Meeting is called, noticed, convened, held and ultimately conducted, and this Agreement shall be submitted to the
shareholders of the Company at the Company Meeting, for the purposes of considering and voting upon the approval of this Agreement and the Integrated Mergers, and nothing contained herein shall be deemed to relieve the Company of such obligation.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_85"></A>6.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Legal Conditions to the Integrated Merger</U><U>s</U>.&nbsp;Subject to the
terms and conditions of this Agreement, each of Parent and the Company shall, and shall cause its Subsidiaries to, use their commercially reasonable efforts in good faith (a)&nbsp;to take, or cause to be taken, all actions necessary, proper or
advisable to comply promptly with all legal and regulatory requirements that may be imposed on such party or its Subsidiaries with respect to the Integrated Mergers or the Bank Merger and, subject to the conditions set forth in <U>ARTICLE VII</U>
hereof, to consummate the transactions contemplated by this Agreement and the Bank Merger Agreement, and (b)&nbsp;to obtain (and to cooperate with the other party to obtain) any material consent, authorization, order or
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-50 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
approval of, or any exemption by, any Governmental Entity and any other third party that is required to be obtained by the Company or Parent or any of their respective Subsidiaries in connection
with the Integrated Mergers, the Bank Merger and the other transactions contemplated by this Agreement or the Bank Merger Agreement; <U>provided</U>, <U>however</U>, that this <U>Section</U><U></U><U>&nbsp;6.5</U> will not require Parent to agree
to, or take, any Burdensome Condition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_86"></A>6.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Stock Exchange
Listing</U>.&nbsp;Parent agrees to use commercially reasonable efforts to cause the shares of Parent Common Stock to be issued in connection with the First-Step Merger to be approved for listing on the NASDAQ, subject to official notice of issuance,
prior to the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_87"></A>6.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee Matters.</U> During the period
commencing at the Effective Time and ending on the first anniversary of the Closing Date, Parent shall, or shall cause one of its Subsidiaries to, provide each employee of the Company and Company Bank who continues to be employed by Parent or its
Subsidiaries (including the Parent Bank and its Subsidiaries) immediately following the Effective Time for so long as such employee is employed following the Effective Time (collectively, the &#147;<U>Continuing Employees</U>&#148;) with (i)&nbsp;a
base salary or base wage rate, as applicable (including commission rate, if applicable), that is no less favorable than such base salary or base wage rate, as applicable, provided by the Company or Company Bank to such Continuing Employee
immediately prior to the Effective Time, (ii)&nbsp;an annual short-term cash incentive opportunity that is substantially comparable to the annual short-term cash incentive opportunity provided by the Parent to its similarly situated employees, and
(iii)&nbsp;other compensation, including long-term incentive opportunities, and employee benefits that are substantially comparable in the aggregate to either (A)&nbsp;the other compensation, including long-term incentive opportunities, and employee
benefits provided by the Company or Company Bank to such Continuing Employee (other than a Continuing Employee who is a party to an employment, change in control or retention agreement) immediately prior to the Effective Time or (B)&nbsp;the other
compensation, including long-term incentive opportunities, and employee benefits provided by Parent to similarly situated employees of Parent; <U>provided</U>, <U>however</U>, that Parent and its Subsidiaries shall have no obligation to provide
similar or comparable titles, responsibilities or duties. Without limiting the immediately preceding sentence, Parent shall, or shall cause the Parent Bank or one of its Subsidiaries to, provide to each full-time Continuing Employee whose employment
terminates during the twelve- <FONT STYLE="white-space:nowrap">(12-)</FONT> month period following the Closing Date with severance benefits as provided in <U>Section</U><U></U><U>&nbsp;6.7(a) of the Company Disclosure Schedule</U>, determined
(1)&nbsp;without taking into account any reduction after the Closing in compensation paid to such Continuing Employee and (2)&nbsp;taking into account each Continuing Employee&#146;s service with the Company and Company Bank (and any predecessor
entities) and, after the Closing, Parent and its Subsidiaries, all as provided in the plan document in form and substance as approved by Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Prior to the Effective Time, the Company and Company Bank shall pay on the last day prior to the Effective Time any
and all obligations arising out of the employment agreements and change of control agreements in the amounts set forth next to each such agreement and employee listed in <U>Section</U><U></U><U>&nbsp;6.7(b) of the Company Disclosure Schedule</U>
(&#147;<U>Employment Agreements</U>&#148;) to employees of the Company or Company Bank, to the extent payments are due at such time; <U>provided</U>, <U>however</U>, that if amounts cannot be paid at such time under Section&nbsp;409A of the Code,
such amounts shall be transferred to a rabbi trust as provided in such agreement and plan. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Parent shall
consult with and keep the Company&#146;s Chief Executive Officer reasonably informed regarding its personnel plans and decisions concerning the Company and Company Bank developed prior to the Effective Time, including which employees are or are not
anticipated to be Continuing Employees. During the period from the date of this Agreement and continuing until the later of (x)&nbsp;the receipt of the Requisite Company Vote and (y)&nbsp;the receipt of the Requisite Regulatory Approvals, Parent and
the Company&#146;s Chief Executive Officer shall mutually agree upon the manner and form of any communications regarding such matters to the affected employees of the Company and Company Bank, but for purposes of clarity, mutual agreement shall not
be required for Parent&#146;s personnel plans and decisions concerning the Company and Company Bank. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-51 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;All Continuing Employees will be incorporated into Parent&#146;s
or its Subsidiaries&#146; vacation and benefits structure at the Effective Time and will be immediately eligible to participate in Parent&#146;s or its Subsidiaries&#146; plans other than equity plans. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;With respect to any employee benefit plans of Parent or its Subsidiaries in which any Continuing Employees become
eligible to participate on or after the Effective Time (the &#147;<U>New Plans</U>&#148;), Parent shall use commercially reasonable efforts to: (i)&nbsp;waive all <FONT STYLE="white-space:nowrap">pre-existing</FONT> conditions, exclusions and
waiting periods with respect to participation and coverage requirements applicable to such employees and their eligible dependents under any New Plans, except to the extent such <FONT STYLE="white-space:nowrap">pre-existing</FONT> conditions,
exclusions or waiting periods would apply under the analogous Company Benefit Plan, (ii)&nbsp;provide each such employee and their eligible spouse and dependents with credit for any deductibles paid prior to the Effective Time under a Company
Benefit Plan (to the same extent that such credit was given under the analogous Company Benefit Plan prior to the Effective Time) in satisfying any applicable deductible or
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> requirements under any New Plans, and (iii)&nbsp;recognize all service of such employees with the Company and Company Bank for all purposes in any New Plan
to the same extent that such service was taken into account under the analogous Company Benefit Plan prior to the Effective Time; <U>provided</U>, that the foregoing service recognition shall not apply (A)&nbsp;to the extent it would result in
duplication of benefits for the same period of services, (B)&nbsp;for purposes of any defined benefit pension plan or benefit plan that provides retiree welfare benefits, or (C)&nbsp;to any benefit plan that is a frozen plan or provides
grandfathered benefits. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;If requested by Parent in writing at least ninety (90)&nbsp;business days prior to the
Closing Date, the Company shall cause any 401(k) plan sponsored or maintained by the Company or Company Bank (each, a &#147;<U>Company 401(k) Plan</U>&#148;) to be terminated effective as of the day immediately prior to the Closing Date and
contingent upon the occurrence of the Closing. In the event that Parent requests that any Company 401(k) Plan be terminated, (i)&nbsp;the Company shall provide Parent with evidence that such plan has been terminated (the form and substance of which
shall be subject to reasonable review and comment by Parent) not later than two (2)&nbsp;days immediately preceding the Effective Time and (ii)&nbsp;the employees of the Company shall be eligible to participate, effective as of the Closing Date, in
a 401(k) plan sponsored or maintained by Parent or one of its Subsidiaries (a &#147;<U>Parent 401(k) Plan</U>&#148;). Parent and the Company shall take any and all actions as may be required, including amendments to any Company 401(k) Plan and/or
Parent 401(k) Plan, to permit the employees of the Company who are then actively employed to make rollover contributions to the Parent 401(k) Plan of &#147;eligible rollover distributions&#148; (within the meaning of Section&nbsp;401(a)(31) of the
Code) in an amount equal to the full account balance distributed to such employee of the Company from a Company 401(k) Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;Nothing contained in this <U>Section</U><U></U><U>&nbsp;6.7</U> or elsewhere in this Agreement, express or implied,
shall confer upon any present or former employee of Company or Company Bank any rights or remedies of any nature or kind whatsoever under or by reason of this Agreement, including any right to employment or continued employment for any specified
period, or level of compensation or benefits. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;Nothing contained in this <U>Section</U><U></U><U>&nbsp;6.7</U>
or elsewhere in this Agreement, express or implied, shall (i)&nbsp;limit the right of Parent or any of its affiliates to terminate the employment or services of, or to reassign or otherwise alter the status of, any former employee of Company or
Company Bank after the Closing, (ii)&nbsp;limit the ability of Parent or any of its affiliates to terminate, amend or modify any benefit or compensation plan, program, agreement or arrangement of Parent or any of its affiliates, or (iii)&nbsp;be
construed as amending or modifying any Parent benefit plan as in effect immediately prior to the Closing Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;Nothing in this <U>Section</U><U></U><U>&nbsp;6.7</U> or elsewhere in this Agreement (other than
<U>Section</U><U></U><U>&nbsp;6.8</U> hereof), shall be deemed to make any employee, former employee, director, former director, or independent contractor of Company, Company Bank or any affiliate thereof (including any beneficiary or dependent
thereof) a third party beneficiary of this Agreement or provide any rights relating thereto. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-52 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_88"></A>6.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification;
Directors</U><U>&#146;</U><U> and Officers</U><U>&#146;</U><U> Insurance</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;From and after the Effective
Time, each of Parent and the Surviving Corporation shall indemnify and hold harmless, to the fullest extent permitted by applicable Law, each director, officer or employee of the Company and Company Bank as of the date hereof or at any time from the
date hereof to the Effective Time (in each case, when acting in such capacity) (collectively, the &#147;<U>Company Indemnified Parties</U>&#148;) against expenses (including reasonable attorneys&#146; fees), judgments, fines, losses or liabilities
actually and reasonably incurred by such Company Indemnified Party in connection with any threatened or actual action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the
Company or Company Bank), whether arising before or after the Effective Time, arising out of the fact that such Person is or was a director, officer or employee of the Company or Company Bank or is or was serving at the request of the Company or
Company Bank as a director or officer of another Person and pertaining to matters, acts or omissions existing or occurring at or prior to the Effective Time, including matters, acts or omissions occurring in connection with the approval of this
Agreement and the transactions contemplated by this Agreement (each, a &#147;<U>Claim</U>&#148;), if such Company Indemnified Party acted in good faith and in a manner such Company Indemnified Party reasonably believed to be in or not opposed to the
best interests of the Company or Company Bank, and, with respect to any criminal action or proceeding, had no reason to believe such Company Indemnified Party&#146;s conduct was unlawful, to the same extent as such Persons have the right to be
indemnified pursuant to the Company&#146;s or Company Bank&#146;s articles of incorporation and bylaws, or comparable governing documents, in effect on the date of this Agreement; and Parent and the Surviving Corporation shall also advance expenses
as incurred by such Company Indemnified Party to the same extent as such Persons have the right to expense advancement pursuant to the Company&#146;s or Company Bank&#146;s articles of incorporation and bylaws, or comparable governing documents, in
effect on the date of this Agreement, to the extent permitted by applicable Law, <U>provided</U> that the Person to whom expenses are advanced provides a reasonable and customary undertaking to repay such advances, unless it is ultimately determined
that such Person is entitled to indemnification.&nbsp;Parent and the Surviving Corporation shall reasonably cooperate with the Company Indemnified Party, and the Company Indemnified Party shall reasonably cooperate with Parent and the Surviving
Corporation, in the defense of any such claim, action, suit, proceeding or investigation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;For a period of six
(6)&nbsp;years after the Effective Time, the Surviving Corporation shall use its commercially reasonable efforts to cause to be maintained in effect directors&#146; and officers&#146; liability insurance that serves to reimburse the present and
former officers and directors of the Company or Company Bank (determined as of the Effective Time) with respect to claims against such directors and officers arising from acts and omissions that occurred at or before the Effective Time (including
the transactions contemplated by this Agreement); <U>provided</U>, that the Surviving Corporation shall not be obligated to expend, on an annual basis, an amount in excess of 200% of the current annual premium paid as of the date hereof by the
Company for such insurance (the &#147;<U>Premium Cap</U>&#148;), and if such premiums for such insurance would at any time exceed the Premium Cap, then the Surviving Corporation shall cause to be maintained policies of insurance which, in the
Surviving Corporation&#146;s good faith determination, provide the greatest coverage available for an aggregate cost not exceeding the Premium Cap.&nbsp;In lieu of the foregoing, the Company, in consultation with Parent, may (and at the request of
Parent, the Company shall use its reasonable best efforts to) obtain and fully pay for, at or prior to the Effective Time, a <FONT STYLE="white-space:nowrap">six-year</FONT> &#147;tail&#148; policy on the terms described in the preceding sentence if
and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed the Premium Cap (except if one or more directors elects to pay for any excess over such amount).&nbsp;If the Company purchases such a &#147;tail
policy&#148; prior to the Effective Time, Parent and the Surviving Corporation shall not, and shall not permit any of their Subsidiaries to, take any action that would reasonably be expected to result in the cancellation or modification of such
policy. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The obligations of the Surviving Corporation, Parent and the Company under this
<U>Section</U><U></U><U>&nbsp;6.8</U> shall not be terminated or modified after the Effective Time in a manner so as to adversely affect any Company Indemnified Party without the written consent of the affected Company Indemnified Party. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-53 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;The provisions of this <U>Section</U><U></U><U>&nbsp;6.8</U>
shall survive the Effective Time and are intended to be for the benefit of, and shall be enforceable by, each Company Indemnified Party and his or her heirs and representatives.&nbsp;If the Surviving Corporation or any of its successors or assigns
will consolidate with or merge into any other entity and not be the continuing or surviving entity of such consolidation or merger or transfer of all or substantially all of its assets or deposits to any other entity, then, in each case to the
extent the obligations set forth in this <U>Section</U><U></U><U>&nbsp;6.8</U> are not otherwise transferred and assumed by such successors and assigns by operation of law or otherwise, proper provision shall be made so that the successors and
assigns of the Surviving Corporation will assume the obligations set forth in this <U>Section</U><U></U><U>&nbsp;
6.8</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_89"></A>6.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Notification of Changes</U>.&nbsp;Parent and the Company (in such
capacity, the &#147;<U>Notifying Party</U>&#148;) shall each promptly advise the other party of any change or event (i)&nbsp;that has had or is reasonably likely to have a Material Adverse Effect on the Notifying Party or (ii)&nbsp;which the
Notifying Party believes would or would be reasonably likely to cause or constitute a material breach of any of the Notifying Party&#146;s representations, warranties or covenants contained herein that reasonably could be expected to give rise,
individually or in the aggregate, to the failure of a condition in set forth in, if Parent is the Notifying Party, <U>Section</U><U></U><U>&nbsp;7.1</U> or <U>Section</U><U></U><U>&nbsp;7.3</U>, or if the Company is the Notifying Party,
<U>Section</U><U></U><U>&nbsp;7.1</U> or <U>Section</U><U></U><U>&nbsp;7.2</U>; <U>provided</U>, that any failure to give notice in accordance with the foregoing with respect to any breach shall not be deemed to constitute a violation of this
<U>Section</U><U></U><U>&nbsp;6.9</U> or the failure of any condition set forth in <U>Section</U><U></U><U>&nbsp;7.2</U> or <U>Section</U><U></U><U>&nbsp;7.3</U> to be satisfied, or otherwise constitute a breach of this Agreement by the party
failing to give such notice, in each case unless the underlying breach would independently result in a failure of the conditions set forth in <U>Section</U><U></U><U>&nbsp;7.2</U> or <U>Section</U><U></U><U>&nbsp;7.3</U> to be satisfied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_90"></A>6.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Director and Officer Matters</U>. The Company shall take all appropriate action
so that each director and each officer of the Company and Company Bank (i)&nbsp;provides to Parent a signed resignation from such position held by such individual, effective as of the Effective Time, in a form reasonably satisfactory to Parent, at
least five (5)&nbsp;business days prior to the Closing Date, and (ii)&nbsp;resigns from such position held by such individual as of the Effective Time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_91"></A>6.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Transition; Informational Systems Conversion</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;From and after the date hereof, Parent and the Company shall use their commercially reasonable efforts to
facilitate the integration of the Company with the business of Parent following consummation of the transactions contemplated hereby and shall meet on a regular basis to discuss and plan for the conversion of the data processing and related
electronic informational systems of the Company and Company Bank (the &#147;<U>Informational Systems Conversion</U>&#148;), in such a manner sufficient to provide reasonable assurances that a successful Informational Systems Conversion will occur at
(i)&nbsp;the time that is immediately following the Integrated Mergers or (ii)&nbsp;such later date as may be specified by Parent, in each case, subject to any applicable Laws, including Laws regarding the exchange of information and other Laws
regarding competition. Without limiting the generality of the foregoing, the Company shall, subject to any such applicable Laws: (v)&nbsp;reasonably cooperate with Parent to establish a project plan as specified by Parent to effectuate the
Informational Systems Conversion; (w)&nbsp;use its commercially reasonable efforts to have the Company&#146;s outside contractors continue to support both the Informational Systems Conversion effort and its ongoing needs until the Informational
Systems Conversion can be established; (x)&nbsp;provide, or use its commercially reasonable efforts to obtain from any outside contractors, all data or other files and layouts reasonably requested by Parent for use in planning the Informational
Systems Conversion, as soon as reasonably practicable; (y)&nbsp;provide reasonable access to the Company&#146;s personnel and facilities and, with the consent of its outside contractors, its outside contractors&#146; personnel and facilities, to the
extent necessary to enable the Informational Systems Conversion effort to be completed on schedule; and (z)&nbsp;give notice of termination, conditioned upon the completion of the transactions contemplated by this Agreement, of the contracts of
outside data, item and other processing contractors or other third-party vendors to which the Company or Company Bank is bound if requested to do so by Parent to the extent permitted by such contracts; <U>provided</U>, that Company shall not be
required to take any action under this <U>Section</U><U></U><U>&nbsp;6.11</U> that, after consultation with Parent regarding the Company&#146;s concerns in the matter, would prejudice or adversely affect in any material respect its rights under any
such contracts in the event the Closing </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-54 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
does not occur. Parent shall promptly reimburse the Company for any reasonable <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses incurred in
connection with the actions described in this <U>Section</U><U></U><U>&nbsp;6.11</U>. Such access as contemplated by this <U>Section</U><U></U><U>&nbsp;6.11</U> shall be conducted by Parent in a manner which does not adversely affect the normal
operations of the Company, and Company shall not be required to provide access to or disclose information (i)&nbsp;which would jeopardize the attorney-client privilege of Company or contravene any binding agreement entered into prior to the date of
this Agreement or any Law or fiduciary duty, (ii)&nbsp;except as otherwise provided in this Agreement, related to the Company&#146;s directors&#146;, officers&#146;, employees&#146;, accountants&#146;, counsels&#146;, advisors&#146; (including
investment bankers&#146;) agents&#146; or other representatives&#146; consideration of, or deliberations regarding, the transactions contemplated by this Agreement; or (iii)&nbsp;the disclosure of which would violate applicable Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Prior to the Effective Time, the Company and Company Bank shall, subject to
<U>Section</U><U></U><U>&nbsp;6.11(a)</U>, take any actions Parent may reasonably request from time to time to prepare the parties for integration of the operations of the Company with Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_92"></A>6.12&nbsp;&nbsp;&nbsp;&nbsp;<U>No Control of Other Party</U><U>&#146;</U><U>s Business</U>. Nothing contained
in this Agreement shall give Parent, directly or indirectly, the right to control or direct the operations of the Company or shall give the Company, directly or indirectly, the right to control or direct the operations of Parent prior to the
Effective Time. Prior to the Effective Time, each of the Company and Parent shall exercise, consistent with the terms and conditions of this Agreement, complete control and supervision over its and its Subsidiaries&#146; respective operations. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_93"></A>6.13&nbsp;&nbsp;&nbsp;&nbsp;<U>Additional Agreements</U>. If, at any time after the Effective Time, any
further action is necessary or desirable to carry out the purposes of this Agreement or to vest the Surviving Corporation with full title to all properties, assets, rights, approvals, immunities and franchises of any of the parties to the Integrated
Mergers, the officers and directors of the Company and Company Bank shall take all such necessary action as may be reasonably requested by Parent, including the provision of an appropriate power of attorney empowering any and all of Parent&#146;s
officers to take such actions on behalf of the Company&#146;s officers and directors. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_94"></A>6.14&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain Litigation</U>. The Company shall promptly advise Parent orally and in
writing of any actual or threatened litigation against the Company, Company Bank and/or the members of the Company Board related to this Agreement, the Bank Merger Agreement, the Integrated Mergers, the Bank Merger or the other transactions
contemplated by this Agreement. The Company shall: (i)&nbsp;permit Parent to review and discuss in advance, and consider in good faith the views of Parent in connection with, any proposed written or oral response to such litigation;
(ii)&nbsp;furnish Parent&#146;s outside legal counsel with all <FONT STYLE="white-space:nowrap">non-privileged</FONT> information and documents which outside counsel may reasonably request in connection with such litigation; (iii)&nbsp;consult with
Parent regarding the defense or settlement of any such litigation; and (iv)&nbsp;consider in good faith the views of Parent with respect to such litigation. Parent shall promptly advise the Company orally and in writing of any actual or threatened
litigation against Parent, Parent Bank and/or the members of the Parent Board related to this Agreement, the Bank Merger Agreement, the Integrated Mergers, the Bank Merger or the other transactions contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_95"></A>6.15&nbsp;&nbsp;&nbsp;&nbsp;<U>Acquisition Proposals.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;The Company agrees that it will not, and will cause Company Bank and each of the Company&#146;s and Company
Bank&#146;s respective officers, directors, employees, agents, advisors, attorneys, accountants, consultants and other representatives (collectively, &#147;<U>Representatives</U>&#148;) not to, directly or indirectly, (i)&nbsp;initiate, solicit,
knowingly induce or encourage or knowingly facilitate the making of any inquiries, offers or proposals with respect to, or which could reasonably be expected to lead to, any Acquisition Proposal, (ii)&nbsp;engage or participate in any negotiations
with any Person concerning any Acquisition Proposal, (iii)&nbsp;provide or make available any confidential or nonpublic information or data to, or have any discussions with, any Person relating to any Acquisition Proposal, except to notify a Person
that has made or, to the Knowledge of the Company, is making any inquiries with respect to, or is considering making, an Acquisition Proposal, of the existence of the provisions of this <U>Section</U><U></U><U>&nbsp;6.15(a)</U>, or (iv)&nbsp;enter
into any agreement, agreement in principle or letter of intent with </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-55 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
respect to any Acquisition Proposal or approve or resolve to approve any Acquisition Proposal or any agreement, agreement in principle or letter of intent relating to an Acquisition Proposal;
<U>provided</U>, that, prior to the adoption of this Agreement by the shareholders of the Company by the Requisite Company Vote, in the event the Company receives an unsolicited bona fide written Acquisition Proposal after the execution of this
Agreement that did not result from a breach of this <U>Section</U><U></U><U>&nbsp;6.15(a)</U>, it may, and may permit Company Bank and the Company&#146;s and Company Bank&#146;s Representatives to, furnish or cause to be furnished nonpublic
information or data and participate in such negotiations or discussions to the extent that the Company Board concludes in good faith, after consultation with and having considered the advice of its outside financial advisor and outside legal
counsel, that (A)&nbsp;such Acquisition Proposal constitutes a Superior Proposal or would reasonably be likely to result in a Superior Proposal and (B)&nbsp;failure to take such actions would constitute a violation of its fiduciary duties to the
Company&#146;s shareholders under applicable law; <U>provided</U>, <U>further</U>, that, prior to providing or making available any nonpublic information permitted to be provided pursuant to the foregoing proviso, the Company shall have entered into
a confidentiality agreement with such third party on terms no less favorable to it than the Confidentiality Agreement, which confidentiality agreement shall not provide such Person with any exclusive right to negotiate with the Company;
<U>provided</U>, <U>further</U>, that the Company shall provide Parent with at least five (5)&nbsp;business days&#146; prior notice of the Company Board&#146;s consideration of any Acquisition Proposal and, in addition, if the Company makes the
conclusion described above, five (5)&nbsp;business days&#146; notice prior to furnishing or causing to be furnished any nonpublic information or data to any other Person or participating in negotiations or discussions with any other Person.&nbsp;The
Company shall promptly provide to Parent any <FONT STYLE="white-space:nowrap">non-public</FONT> information regarding the Company or Company Bank provided to any other Person which was not previously provided to Parent, such additional information
to be provided no later than the date of provision of such information to such other Person. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Company
shall, and shall cause Company Bank and the Company&#146;s and Company Bank&#146;s Representatives to, immediately cease and cause to be terminated any and all activities, discussions or negotiations with any Person other than Parent with respect to
any existing or potential Acquisition Proposal.&nbsp;The Company shall promptly (and in any event within 24 hours) advise Parent in writing if any inquiries, proposals or offers are received by, any information is requested from, or any negotiations
or discussions are sought to be initiated or continued with, the Company or its Representatives, in each case in connection with any Acquisition Proposal, and such notice shall indicate the name of the Person initiating such discussions or
negotiations or making such inquiry, proposal, offer or information request and the material terms and conditions of any proposals or offers (and, in the case of written materials relating to such proposal, offer, information request, negotiations
or discussion, providing copies of such materials (including <FONT STYLE="white-space:nowrap">e-mails</FONT> or other electronic communications) except to extent that such materials constitute confidential information of the party making such offer
or proposal under an effective confidentiality agreement). The Company agrees that it shall keep Parent informed, on a current basis, of the status and terms of any such inquiry, proposal, offer, information request, negotiations or discussions
(including any amendments or modifications to such inquiry, proposal, offer or request). The Company shall enforce any existing confidentiality or standstill agreements to which it or Company Bank is a party in accordance with the terms thereof and
shall not release any Person from, waive any provisions of, or fail to enforce any confidentiality or standstill agreements to which it or Company Bank is a party.&nbsp;Any violation of the restrictions in this <U>Section</U><U></U><U>&nbsp;6.15</U>
by any Representative of the Company or Company Bank, whether or not such Representative is so authorized and whether or not such Representative is purporting to act on behalf of the Company or otherwise, shall be deemed to be a breach of this
Agreement by the Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Subject to <U>Section</U><U></U><U>&nbsp;6.15(d)</U>, neither the Company Board nor
any committee thereof shall: (i)&nbsp;withhold, withdraw, change, qualify, amend or modify, or publicly propose to withhold, withdraw, change, qualify, amend or modify, in a manner adverse in any respect to the interest of Parent, in connection with
the transactions contemplated by this Agreement, or take any other action or make any other statement inconsistent with, the Company Recommendation, fail to reaffirm the Company Recommendation within three (3)&nbsp;business days following a request
by Parent, or make any statement, filing or release, in connection with the Company Meeting or otherwise, inconsistent with the Company Recommendation (it being understood that taking a neutral position or no position with respect to an Acquisition
Proposal shall be considered an adverse modification of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-56 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Company Recommendation); (ii) approve or recommend, or propose to approve or recommend, any Acquisition Proposal; (iii)&nbsp;resolve to take, or announce an intention to take, any of the
foregoing actions (each of (i), (ii) or (iii)&nbsp;a &#147;<U>Company Subsequent Determination</U>&#148;); or (iv)&nbsp;enter into (or cause the Company or Company Bank to enter into) any letter of intent, agreement in principle, acquisition
agreement or other agreement (A)&nbsp;related to any Acquisition Transaction (other than a confidentiality agreement entered into in accordance with the provisions of <U>Section</U><U></U><U>&nbsp;6.15(a)</U>) or (B)&nbsp;requiring the Company to
abandon, terminate or fail to consummate the Integrated Mergers or any other transaction contemplated by this Agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding <U>Section</U><U></U><U>&nbsp;6.15(c)</U>, prior to the date of the Company Meeting, the Company
Board may make a Company Subsequent Determination after the fifth (5th) business day following Parent&#146;s receipt of a notice (the &#147;<U>Notice of Superior Proposal</U>&#148;) from the Company advising Parent that the Company Board has decided
that a bona fide unsolicited written Acquisition Proposal that it received (that did not result from a breach of this <U>Section</U><U></U><U>&nbsp;6.15</U>) constitutes a Superior Proposal if, but only if, (i)&nbsp;the Company Board has determined
in good faith, after consultation with and having considered the advice of outside legal counsel and its financial advisor, that the failure to take such actions would constitute a violation of its fiduciary duties to the Company&#146;s shareholders
under applicable Law (it being understood that the initial determination under this clause (i)&nbsp;will not be considered a Company Subsequent Determination), (ii) during the five (5)&nbsp;business day period after receipt of the Notice of Superior
Proposal by Parent (the &#147;<U>Notice Period</U>&#148;), the Company and the Company Board shall have cooperated and negotiated in good faith with Parent to make such adjustments, modifications or amendments to the terms and conditions of this
Agreement as would enable the Company to proceed with the Company Recommendation without a Company Subsequent Determination; <U>provided</U>, <U>however</U>, that Parent shall not have any obligation to propose any adjustments, modifications or
amendments to the terms and conditions of this Agreement, and (iii)&nbsp;at the end of the Notice Period, after taking into account any such adjusted, modified or amended terms, if any, as may have been proposed by Parent since its receipt of such
Notice of Superior Proposal, the Company Board has again in good faith made the determination (A)&nbsp;in clause (i)&nbsp;of this <U>Section</U><U></U><U>&nbsp;6.15(d)</U> and (B)&nbsp;that such Acquisition Proposal constitutes a Superior Proposal.
In the event of any material revisions to the Superior Proposal, the Company shall be required to deliver a new Notice of Superior Proposal to Parent and again comply with the requirements of this <U>Section</U><U></U><U>&nbsp;6.15(d)</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding any Company Subsequent Determination, this Agreement shall be submitted to the Company&#146;s
shareholders at the Company Meeting for the purpose of voting on the approval of this Agreement and the transactions contemplated hereby and nothing contained herein shall be deemed to relieve the Company of such obligation; <U>provided</U>,
<U>however</U>, that if the Company Board shall have made a Company Subsequent Determination with respect to a Superior Proposal, then the Company Board may recommend approval of such Superior Proposal by the shareholders of the Company and may
submit this Agreement to the Company&#146;s shareholders without recommendation, in which event the Company Board shall communicate the basis for its recommendation of such Superior Proposal and the basis for its lack of a recommendation with
respect to this Agreement and the transactions contemplated hereby to the Company&#146;s shareholders in the Proxy Statement or an appropriate amendment or supplement thereto. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;For purposes of this Agreement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Acquisition Proposal</U>&#148; means any inquiry, offer or proposal (other than an inquiry, offer or
proposal from Parent), whether or not in writing, contemplating, relating to, or that could reasonably be expected to lead to, an Acquisition Transaction. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Acquisition Transaction</U>&#148; means: (A)&nbsp;any transaction or series of transactions involving
any merger, consolidation, recapitalization, share exchange, liquidation, dissolution or similar transaction involving the Company or Company Bank that, in any such case, results in any Person (or, in the case of a direct merger between such third
party and the Company or Company Bank, the stockholders of such third party) acquiring 20% or more of any class of equity of the Company or Company Bank; (B)&nbsp;any transaction pursuant to which any third party or group acquires or would acquire
(whether through sale, lease or other disposition), directly or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-57 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
indirectly, 20% or more of the consolidated assets of the Company or Company Bank; (C)&nbsp;any issuance, sale or other disposition of (including by way of merger, consolidation, share exchange
or any similar transaction) securities (or options, rights or warrants to purchase or securities convertible into, such securities) representing 20% or more of the votes attached to the outstanding securities of the Company or Company Bank;
(D)&nbsp;any tender offer or exchange offer that, if consummated, would result in any third party or group beneficially owning 20% or more of any class of equity securities of the Company or Company Bank; or (E)&nbsp;any transaction which is similar
in form, substance or purpose to any of the foregoing transactions, or any combination of the foregoing. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&#147;<U>Superior Proposal</U>&#148; means a bona fide, unsolicited written Acquisition Proposal (x)&nbsp;that
if consummated would result in a third party (or, in the case of a direct merger between such third party and the Company or Company Bank, the stockholders of such third party) acquiring, directly or indirectly, more than 50% of the outstanding
Company Common Stock or more than 50% of the assets of the Company and Company Bank, taken as a whole, for consideration consisting of cash and/or securities and (y) that the Company Board reasonably determines in good faith, after consultation with
its outside financial advisor and outside legal counsel, (A)&nbsp;is reasonably capable of being completed on a timely basis, taking into account all financial, legal, regulatory and other aspects of such proposal, including all conditions contained
therein and the Person making such Acquisition Proposal, and (B)&nbsp;taking into account any changes to this Agreement proposed by Parent in response to such Acquisition Proposal, as contemplated by <U>Section</U><U></U><U>&nbsp;6.15(d)</U>, and
all financial, legal, regulatory and other aspects of such proposal, including all conditions contained therein and the Person making such proposal, is more favorable to the shareholders of the Company from a financial point of view than the
Integrated Mergers. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_96"></A>6.16&nbsp;&nbsp;&nbsp;&nbsp;<U>Public Announcements</U>.&nbsp;So long as this
Agreement is in effect, Parent and the Company shall consult with each other before issuing any press release with respect to this Agreement or the transactions contemplated hereby and shall not issue any such press release or make any such public
statement without the prior consent of the other, which shall not be unreasonably delayed, conditioned or withheld; <U>provided</U>, <U>however</U>, that (a)&nbsp;any such press release or public statement as may be required by Law (including, for
the avoidance of doubt, any filing with the SEC) or any listing agreement with or notice or application to any national securities exchange may be issued or made without prior consent of such other party (but after consultation with the other party,
to the extent practicable in the circumstances) and (b)&nbsp;a party may issue a press release or make a public statement (including, for the avoidance of doubt, any filing with the SEC) that is consistent with prior press releases issued or public
statements made in compliance with the first sentence of this <U>Section</U><U></U><U>&nbsp;6.16</U> without such consultation. It is understood that Parent shall assume primary responsibility for the preparation of joint press releases relating to
this Agreement, the Integrated Mergers and the other transactions contemplated hereby. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_97"></A>6.17&nbsp;&nbsp;&nbsp;&nbsp;<U>Change of Method</U>.&nbsp;Parent shall be empowered, at any time prior to the
Effective Time, to change the method or structure of effecting the combination of the Company and Merger Sub (including the provisions of <U>ARTICLE I</U>), if and to the extent they both deem such change to be necessary, appropriate or desirable;
<U>provided</U>, that no such change shall (i)&nbsp;alter or change the Exchange Ratio or the number of shares of Parent Common Stock received by the Company&#146;s shareholders in exchange for each share of Company Common Stock or the Per Share
Cash Consideration, (ii)&nbsp;adversely affect the Tax treatment of the Company&#146;s shareholders or Parent&#146;s shareholders pursuant to this Agreement, (iii)&nbsp;adversely affect the Tax treatment of the Company or Parent pursuant to this
Agreement or (iv)&nbsp;materially impede or delay the consummation of the transactions contemplated by this Agreement in a timely manner.&nbsp;The parties hereto agree to reflect any such change in an appropriate amendment to this Agreement executed
by both parties in accordance with <U>Section</U><U></U><U>&nbsp;9.2</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_98"></A>6.18&nbsp;&nbsp;&nbsp;&nbsp;<U>Takeover Statutes</U>.&nbsp;Neither the Company nor Parent, nor either of their
respective Boards of Directors, shall take any action that would cause any Takeover Statute to become applicable to this Agreement, the Integrated Mergers or any of the other transactions contemplated hereby, and each shall take all necessary steps
to exempt (or ensure the continued exemption of) the Integrated Mergers and the other transactions contemplated hereby from any applicable Takeover Statute now or hereafter in effect. If any Takeover Statute may become, or may purport to be,
applicable to the transactions contemplated hereby, Parent, the Company and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-58 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the members of their respective Boards of Directors will grant such approvals and take such actions as are necessary so that the transactions contemplated by this Agreement may be consummated as
promptly as practicable on the terms contemplated hereby and otherwise act to eliminate or minimize the effects of any Takeover Statute on any of the transactions contemplated by this Agreement, including, if necessary, challenging the validity or
applicability of any such Takeover Statute. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_99"></A>6.19&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing Date Share
Certification</U>. At least two (2)&nbsp;business days prior to the Closing Date, the Company shall deliver to Parent a certificate certifying the number of shares of Company Common Stock (including shares of Company Common Stock subject to
outstanding Company Warrants and Company Equity Awards) immediately prior to the Effective Time (the &#147;<U>Closing Date Share Certification</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_100"></A>6.20&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax Treatment of the Integrated Mergers</U>. The parties hereto intend the
Integrated Mergers, taken together, to qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code. Each of the parties hereto will both before and after the Effective Time (i)&nbsp;use reasonable efforts to cause
the Integrated Mergers to so qualify; and (ii)&nbsp;refrain from taking any action that would reasonably be expected to cause the Integrated Mergers to fail to so qualify. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_101"></A>6.21&nbsp;&nbsp;&nbsp;&nbsp;<U>Corporate Governance</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Effective as of the Effective Time, Parent shall (i)&nbsp;increase the size of the Parent Board to twelve
(12)&nbsp;members and, in its capacity as the sole shareholder of Parent Bank, take such actions as may be necessary to increase the size of the Board of Directors of Parent Bank to twelve (12)&nbsp;members and (ii)&nbsp;appoint
Mr.&nbsp;Douglas&nbsp;C. Manditch to the Boards of Directors of Parent and Parent Bank. Mr.&nbsp;Manditch shall be appointed to serve as a Class&nbsp;C director of the Boards of Directors of Parent and Parent Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Effective as of the Effective Time, Parent shall create an Advisory Board of Parent and take such actions as may be
necessary to appoint the current members of the Company Board (excluding the member appointed to the Company Board in <U>Section</U><U></U><U>&nbsp;6.21(a)</U> above) to the Advisory Board. The Advisory Board will generally serve at the pleasure of
the Parent Board, will not have the right to vote on matters submitted to a vote of the Parent Board or its Subsidiaries, and will have no authority to make business decisions or manage the affairs of Parent or its Subsidiaries. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_102"></A>6.22&nbsp;&nbsp;&nbsp;&nbsp;<U>Assumption of Company Indebtedness</U>. Parent agrees to execute and deliver,
or cause to be executed and delivered, by or on behalf of the Surviving Corporation, at or prior to the Effective Time, one or more instruments required for the due assumption of the subordinated notes of the Company set forth in
<U>Section</U><U></U><U>&nbsp;3.3(c) of the Company Disclosure Schedule</U> to the extent required by the terms of such subordinated notes. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_103"></A>ARTICLE VII </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">CONDITIONS PRECEDENT </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_104">
</A>7.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions to Each Party</U><U>&#146;</U><U>s Obligation to Effect the Integrated Merger</U><U>s</U>.&nbsp;The respective obligations of the parties to effect the Integrated Mergers shall be subject to the
satisfaction at or prior to the Effective Time of the following conditions: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder
Approval</U>.&nbsp;This Agreement shall have been duly adopted by the shareholders of the Company by the Requisite Company Vote. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>NASDAQ Listing</U>.&nbsp;The shares of Parent Common Stock that shall be issuable pursuant to this Agreement
shall have been authorized for listing on the NASDAQ, subject to official notice of issuance. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>.&nbsp;All Requisite Regulatory Approvals shall have been obtained and shall remain in full force and effect, and all statutory waiting periods in respect thereof, if any, shall have expired or
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-59 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
been terminated (and, in the case of the obligation of Parent to effect the Integrated Mergers, no such Requisite Regulatory Approval shall contain or shall have resulted in, or would reasonably
be expected to result in, the imposition of a Burdensome Condition). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U><FONT STYLE="white-space:nowrap">S-4</FONT></U>.&nbsp;The <FONT STYLE="white-space:nowrap">S-4</FONT> shall have
become effective under the Securities Act, no stop order suspending the effectiveness of the <FONT STYLE="white-space:nowrap">S-4</FONT> shall have been issued, and no proceedings for that purpose shall have been initiated or threatened by the SEC
and not withdrawn. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Injunctions</U>.&nbsp;No order, injunction or decree issued by any court or agency of
competent jurisdiction or other legal restraint or prohibition preventing the consummation of the Integrated Mergers or any of the other transactions contemplated by this Agreement shall be in effect.&nbsp;No statute, rule, regulation, order,
injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Entity which prohibits or makes illegal consummation of the Integrated Mergers. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_105"></A>7.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions to Obligation of Parent</U>.&nbsp;The obligation of Parent to effect
the Integrated Mergers is also subject to the satisfaction, or waiver by Parent, at or prior to the Effective Time, of the following conditions: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>.&nbsp;Each of the representations and warranties of the Company contained in
<U>Section</U><U></U><U>&nbsp;3.2</U> (Organization and Standing), <U>Section</U><U></U><U>&nbsp;3.3</U> (Capitalization), subsections <U>(a)</U>, <U>(b)</U> and <U>(c)</U>&nbsp;of Section&nbsp;3.4 (Subsidiaries), subsections <U>(c)</U>&nbsp;and
<U>(d)</U> of <U>Section</U><U></U><U>&nbsp;3.5</U> (Corporate Power and Authority), <U>Section</U><U></U><U>&nbsp;3.9</U> (Brokers), subsection <U>(a)</U>&nbsp;of <U>Section</U><U></U><U>&nbsp;3.10</U> (Absence of Certain Changes and Events) and
<U>Section</U><U></U><U>&nbsp;3.26</U> (Reorganization) of this Agreement shall be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such
representations and warranties are made expressly as of an earlier date, in which case as of such earlier date), and each of the representations and warranties of the Company set forth in subsection <U>(d)</U>&nbsp;of
<U>Section</U><U></U><U>&nbsp;3.4</U> (Subsidiaries), subsections <U>(a)</U>&nbsp;and <U>(b)</U> of <U>Section</U><U></U><U>&nbsp;3.5</U> (Corporate Power and Authority), <U>Section</U><U></U><U>&nbsp;3.6</U> (Consents and Approvals; <FONT
STYLE="white-space:nowrap">Non-Contravention;</FONT> No Defaults), <U>Section</U><U></U><U>&nbsp;3.7</U> (Financial Statements; No Undisclosed Liabilities), <U>Section</U><U></U><U>&nbsp;3.12</U> (Tax Matters) and
<U>Section</U><U></U><U>&nbsp;3.17</U> (Agreements with Regulatory Agencies) of this Agreement shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing
Date (except to the extent such representations and warranties are made expressly as of an earlier date, in which case as of such earlier date). All other representations and warranties of the Company set forth in this Agreement (read without giving
effect to any qualification as to materiality or Material Adverse Effect set forth in such representations or warranties) shall be true and correct in all respects as of the date of this Agreement and as of the Closing Date as though made on and as
of the Closing Date (except to the extent such representations and warranties are made expressly as of an earlier date, in which case as of such earlier date); <U>provided</U>, that for purposes of this sentence, such representations and warranties
shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, has had or would reasonably be expected to have a Material Adverse
Effect on the Company or the Surviving Corporation. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance of Obligations</U>. The Company shall have
performed in all material respects the agreements, covenants and obligations required to be performed by it under this Agreement at or prior to the Closing Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Officers&#146; Certificate(s)</U>. Parent shall have received a certificate, dated the Closing Date, signed on
behalf of the Company by its Chief Executive Officer and Chief Financial Officer, stating that the conditions specified in <U>Section</U><U></U><U>&nbsp;7.2(a)</U> and <U>Section</U><U></U><U>&nbsp;7.2(b)</U> have been satisfied. The Company shall
have furnished Parent with such certificates of its officers or others and such other documents to evidence fulfillment of the conditions set forth in <U>Section</U><U></U><U>&nbsp;7.1</U> and the other conditions set forth in this
<U>Section</U><U></U><U>&nbsp;7.2</U> as Parent may reasonably request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>No Material Adverse Effect</U>.
Since the date of this Agreement, no condition, event, fact, circumstance or other occurrence shall have occurred that (i)&nbsp;has resulted in a Material Adverse Effect on the Company or (ii)&nbsp;would reasonably be expected to have a Material
Adverse Effect on the Company or the Surviving Corporation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-60 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Employment Agreements</U>. Each of the Persons listed in
<U>Section</U><U></U><U>&nbsp;7.2(e) of the Company Disclosure Schedule</U> shall have delivered to Parent, contemporaneously with the execution of this Agreement, a duly executed employment agreement to be effective as of the Effective Time, in a
form reasonably acceptable to Parent, and each such agreement shall be in full force and effect as of the Effective Time.<SUP STYLE="font-size:85%; vertical-align:top"> </SUP> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<U>Consulting Agreements</U>. Each of the Persons listed in <U>Section</U><U></U><U>&nbsp;7.2(f) of the Company
Disclosure Schedule</U> shall have delivered to Parent, contemporaneously with the execution of this Agreement, a duly executed consulting agreement to be effective as of the Effective Time, in a form reasonably acceptable to Parent, and each such
agreement shall be in full force and effect as of the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<U>FIRPTA Certificate</U>. Parent shall
have received (i)&nbsp;an affidavit issued by the Company dated as of the Closing Date, sworn under penalty of perjury and signed by an officer of the Company, in form and substance required under the Treasury Regulations issued pursuant to
Section&nbsp;1445(b)(3) of the Code, stating that the Company is not and has not been a United States real property holding corporation (as defined in Section&nbsp;897(c)(2) of the Code) during the applicable period specified in
Section&nbsp;897(c)(1)(A)(ii) of the Code and (ii)&nbsp;a notice from the Company to the IRS in accordance with the requirements of Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.897-2(h)(2).</FONT> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<U>Sublease Agreement</U>. Parent shall have received the Agreement of Sublease described in
<U>Section</U><U></U><U>&nbsp;7.2(h) of the Company Disclosure Schedule,</U> fully executed by the Company Bank and the sublessee party thereto and consented to in writing by the landlord with respect to the premises that are the subject of the
Agreement of Sublease. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Federal Tax Opinion</U>.&nbsp;Parent shall have received the opinion of
Arnold&nbsp;&amp; Porter, in form and substance reasonably satisfactory to Parent, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred to in such opinion, the Integrated
Mergers, taken together, shall qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code.&nbsp;In rendering such opinion, counsel may require and rely upon representations contained in certificates of officers of
Parent and the Company, reasonably satisfactory in form and substance to such counsel. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_106"></A>7.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions to Obligation of the Company</U>.&nbsp;The obligation of the Company
to effect the Integrated Mergers is also subject to the satisfaction or waiver by the Company at or prior to the Effective Time of the following conditions: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations and Warranties</U>.&nbsp;Each of the representations and warranties of Parent set forth in this
Agreement shall be true and correct in all material respects as of the date of this Agreement and as of the Closing Date as though made on and as of the Closing Date (except to the extent such representations and warranties are made expressly as of
an earlier date, in which case as of such earlier date); <U>provided</U>, that for purposes of this sentence, such representations and warranties (read without giving effect to any qualification as to materiality or Material Adverse Effect set forth
in such representations or warranties) shall be deemed to be true and correct unless the failure or failures of such representations and warranties to be so true and correct, either individually or in the aggregate, has had or would reasonably be
expected to have a Material Adverse Effect on Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance of Obligations of Parent</U>.&nbsp;Parent
shall have performed in all material respects the agreements, covenants and obligations required to be performed by it prior to the Closing Date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Officers&#146; Certificate</U>. The Company shall have received a certificate, dated the Closing Date, signed on
behalf of Parent by its Chief Executive Officer and Chief Financial Officer, stating that the conditions specified in <U>Section</U><U></U><U>&nbsp;7.3(a)</U> and <U>Section</U><U></U><U>&nbsp;7.3(b)</U> have been satisfied. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Director and Officer Insurance</U>. If the Company shall not have elected to purchase a &#147;tail policy&#148;
prior to the Effective Time in accordance with <U>Section</U><U></U><U>&nbsp;6.8(b)</U>, Parent shall have furnished the Company with evidence reasonably satisfactory to the Company of such a &#147;tail policy.&#148; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-61 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Federal Tax Opinion</U>.&nbsp;The Company shall have received
the opinion of Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP, in form and substance reasonably satisfactory to the Company, dated as of the Closing Date, to the effect that, on the basis of facts, representations and assumptions set forth or referred
to in such opinion, the Integrated Mergers, taken together, shall qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a)&nbsp;of the Code.&nbsp;In rendering such opinion, counsel may require and rely upon representations
contained in certificates of officers of Parent and the Company, reasonably satisfactory in form and substance to such counsel. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_107">
</A>ARTICLE VIII </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">TERMINATION AND AMENDMENT </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_108"></A>8.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.&nbsp;This Agreement may be terminated, and the transactions
contemplated hereby may be abandoned, at any time prior to the Effective Time, whether before or after adoption of this Agreement by the shareholders of the Company: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;by mutual consent of Parent and the Company in a written instrument; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;by either Parent or the Company upon written notice to the other party if the approval of any Governmental Entity
required for consummation of the Integrated Mergers and the other transactions contemplated by this Agreement is denied by final, <FONT STYLE="white-space:nowrap">non-appealable</FONT> action of such Governmental Entity or an application therefor
shall have been withdrawn at the request of a Governmental Entity, or if any Governmental Entity of competent jurisdiction shall have issued a final, <FONT STYLE="white-space:nowrap">non-appealable</FONT> order permanently enjoining or otherwise
prohibiting or making illegal the consummation of the Integrated Mergers; <U>provided</U>, <U>however</U>, that the right to terminate this Agreement pursuant to this <U>Section</U><U></U><U>&nbsp;8.1(b)</U> shall not be available to any party whose
failure to comply with any provision of this Agreement has been the cause of, or materially contributed to, such action; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;by either Parent or the Company if the Integrated Mergers shall not have been consummated on or before
July&nbsp;31, 2020 (the &#147;<U>Termination Date</U>&#148;), or such later date as shall have been agreed to in writing by Parent and the Company, <U>provided</U>, <U>however</U>, that no party may terminate this Agreement pursuant to this
<U>Section</U><U></U><U>&nbsp;8.1(c)</U> if the failure of the Closing to have occurred on or before said date was due to material breach of any representation, warranty, covenant or agreement contained herein by such party; and <U>provided</U>,
<U>further</U>, that if additional time is necessary in order to obtain any Requisite Regulatory Approval, the Termination Date shall be automatically extended for one additional <FONT STYLE="white-space:nowrap">two-</FONT> <FONT
STYLE="white-space:nowrap">(2-)</FONT> month period; </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;by either Parent or the Company (<U>provided</U>, in the
case of the Company, that it shall not be in breach of any of its obligations under <U>Section</U><U></U><U>&nbsp;6.4</U>) if the Requisite Company Vote required for the consummation of the Integrated Mergers shall not have been obtained by reason
of the failure to obtain the required vote at a duly held meeting of such shareholders or at any adjournment or postponement thereof; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;by either Parent or the Company (<U>provided</U>, that the terminating party is not then in material breach of any
representation, warranty, covenant or other agreement contained herein) if there shall have been a breach of any of the covenants or agreements or any of the representations or warranties set forth in this Agreement on the part of the other party,
which breach, either individually or in the aggregate with all other breaches by such party, would constitute, if occurring or continuing on the Closing Date, the failure of a condition set forth in <U>Section</U><U></U><U>&nbsp;7.2</U>, in the case
of a termination by Parent, or <U>Section</U><U></U><U>&nbsp;7.3</U>, in the case of a termination by the Company, and which is not cured within forty-five (45)&nbsp;days following written notice to the Company, in the case of a termination by
Parent, or Parent, in the case of a termination by the Company, or by its nature or timing cannot be cured during such period (or such fewer days as remain prior to the Termination Date); or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;in addition to and not in limitation of Parent&#146;s termination rights under
<U>Section</U><U></U><U>&nbsp;8.1(e)</U>, by Parent prior to such time as the Requisite Company Vote is obtained, if (i)&nbsp;the Company Board shall have (A)&nbsp;failed to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-62 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
recommend in the Proxy Statement that the shareholders of the Company adopt this Agreement, or failed to recommend against acceptance of a tender offer or exchange offer constituting a Superior
Proposal that has been publicly disclosed within ten (10)&nbsp;business days after the commencement of such tender or exchange offer, in any such case whether or not permitted by the terms hereof, (B)&nbsp;approved, adopted or endorsed a Superior
Proposal, or (C)&nbsp;made a Company Subsequent Determination, or (ii)&nbsp;the Company or the Company Board has breached its obligations under <U>Section</U><U></U><U>&nbsp;6.4</U> or <U>Section</U><U></U><U>&nbsp;6.15</U> in any material respect.
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_109"></A>8.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Termination.</U> </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;In the event of termination of this Agreement by either Parent or the Company as provided in
<U>Section</U><U></U><U>&nbsp;8.1</U>, this Agreement shall forthwith become void and have no effect, and none of Parent, the Company, any of their respective Subsidiaries or any of the officers or directors of any of them shall have any liability
of any nature whatsoever hereunder, or in connection with the transactions contemplated hereby, except that (i)<U>&nbsp;Section</U><U></U><U>&nbsp;6.3(e)</U>, this <U>Section</U><U></U><U>&nbsp;8.2</U> and <U>ARTICLE IX</U> shall survive any
termination of this Agreement, and (ii)&nbsp;notwithstanding anything to the contrary contained in this Agreement, neither Parent nor the Company shall be relieved or released from any liabilities or damages arising out of its willful and material
breach of any provision of this Agreement occurring prior to termination (which, in the case of the Company, shall include the loss to the holders of Company Common Stock of the economic benefits of the Integrated Mergers). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination Fee</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;In the event that after the date of this Agreement and prior to the termination of this Agreement, a bona fide
Acquisition Proposal shall have been made known to senior management of the Company or has been made directly to its shareholders generally or any Person shall have publicly announced (and not withdrawn) an Acquisition Proposal with respect to the
Company and (A)(1) thereafter this Agreement is terminated by either Parent or the Company pursuant to <U>Section</U><U></U><U>&nbsp;8.1(c)</U>&nbsp;or <U>Section</U><U></U><U>&nbsp;8.1(d)</U> without the Requisite Company Vote having been obtained
(and all other conditions set forth in <U>Section</U><U></U><U>&nbsp;7.1</U> and <U>Section</U><U></U><U>&nbsp;7.3</U> had been satisfied or were capable of being satisfied prior to such termination) or (2)&nbsp;thereafter this Agreement is
terminated by Parent pursuant to <U>Section</U><U></U><U>&nbsp;8.1(e)</U>, and (B)&nbsp;prior to the date that is twelve (12)&nbsp;months after the date of such termination, the Company enters into a definitive agreement or consummates a transaction
with respect to an Acquisition Proposal (whether or not the same Acquisition Proposal as that referred to above), then the Company shall, on the earlier of the date it enters into such definitive agreement and the date of consummation of such
transaction, pay Parent, by wire transfer of same day funds, a fee equal to $3,300,000 (the &#147;<U>Termination Fee</U>&#148;); <U>provided</U>, that for purposes of this <U>Section</U><U></U><U>&nbsp;8.2(b)</U>, all references in the definition of
Acquisition Transaction to &#147;20%&#148; shall instead refer to &#147;50%&#148;. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;In the event that this
Agreement is terminated by Parent pursuant to <U>Section</U><U></U><U>&nbsp;8.1(f)</U>, then the Company shall pay Parent, by wire transfer of same day funds, the Termination Fee on the date of termination. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding anything to the contrary herein, but without limiting the right of any party to recover liabilities
or damages arising out of the other party&#146;s fraud or willful and material breach of any provision of this Agreement, in the event that this Agreement is terminated as provided in <U>Section</U><U></U><U>&nbsp;8.1</U>, the maximum aggregate
amount of monetary fees, liabilities or damages payable by a single party under this Agreement shall be equal to the Termination Fee, and neither the Company nor Parent shall be required to pay the Termination Fee on more than one occasion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;Each of Parent and the Company acknowledges that the agreements contained in this
<U>Section</U><U></U><U>&nbsp;8.2</U> are an integral part of the transactions contemplated by this Agreement, and that, without these agreements, the other party would not enter into this Agreement; accordingly, if Parent or the Company fails
promptly to pay the amount due pursuant to this <U>Section</U><U></U><U>&nbsp;8.2</U>, and, in order to obtain such payment, the other party commences a suit which results in a judgment against the <FONT STYLE="white-space:nowrap">non-paying</FONT>
party for the Termination Fee, such <FONT STYLE="white-space:nowrap">non-paying</FONT> party shall pay the costs and expenses of the other party (including reasonable attorneys&#146; fees and expenses) in connection
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-63 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
with such suit.&nbsp;In addition, if Parent or the Company, as the case may be, fails to pay the amounts payable pursuant to this <U>Section</U><U></U><U>&nbsp;8.2</U>, then such party shall pay
interest on such overdue amounts (for the period commencing as of the date that such overdue amount was originally required to be paid and ending on the date that such overdue amount is actually paid in full) at a rate per annum equal to the
&#147;prime rate&#148; (as announced by JPMorgan Chase&nbsp;&amp; Co. or any successor thereto) in effect on the date on which such payment was required to be made for the period commencing as of the date that such overdue amount was originally
required to be paid.&nbsp;The amounts payable by Parent and the Company, as applicable, pursuant to <U>Section</U><U></U><U>&nbsp;8.2(b)</U> constitute liquidated damages and not a penalty, and, except in the case of fraud or willful and material
breach of this Agreement, shall be the sole monetary remedy of the Company and Parent, as applicable, in the event of a termination of this Agreement specified in such section. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><A NAME="annxarom922344_110"></A>ARTICLE IX </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">GENERAL PROVISIONS </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_111">
</A>9.1&nbsp;&nbsp;&nbsp;&nbsp;<U>Nonsurvival of Representations, Warranties and Agreements</U>.&nbsp;None of the representations, warranties, covenants and agreements in this Agreement or in any instrument delivered pursuant to this Agreement
(other than the Confidentiality Agreement, which shall survive in accordance with its terms) shall survive the Effective Time, except for those covenants and agreements contained herein and therein which by their terms apply in whole or in part
after the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_112"></A>9.2&nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment</U>.&nbsp;Subject to compliance with
applicable Law, this Agreement may be amended by the parties hereto, by action taken or authorized by their respective Boards of Directors, at any time before or after approval of the matters presented in connection with Integrated Mergers by the
shareholders of the Company; <U>provided</U>, that after adoption of this Agreement by the shareholders of the Company, there may not be, without further approval of such shareholders, any amendment of this Agreement that requires further approval
under applicable Law. This Agreement may not be amended except by an instrument in writing signed on behalf of the parties hereto. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_113">
</A>9.3&nbsp;&nbsp;&nbsp;&nbsp;<U>Extension; Waiver</U>.&nbsp;At any time prior to the Effective Time, the parties hereto, by action taken or authorized by their respective Boards of Directors, may, to the extent legally allowed, (a)&nbsp;extend the
time for the performance of any of the obligations or other acts of <U>the other party</U>, (b)&nbsp;waive any inaccuracies in the representations and warranties contained herein or in any document delivered pursuant hereto, and (c)&nbsp;waive
compliance with any of the agreements or satisfaction of any conditions contained herein.&nbsp;Any agreement on the part of a party hereto to any such extension or waiver shall be valid only if set forth in a written instrument signed on behalf of
such party, but such extension or waiver or failure to insist on strict compliance with an obligation, covenant, agreement or condition shall not operate as a waiver of, or estoppel with respect to, any subsequent or other failure. No single or
partial exercise of any right, remedy, power or privilege hereunder shall preclude any other or further exercise thereof or the exercise of any other right, remedy, power or privilege. Any waiver shall be effective only in the specific instance and
for the specific purpose for which given and shall not constitute a waiver to any subsequent or other exercise of any right, remedy, power or privilege hereunder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_114"></A>9.4&nbsp;&nbsp;&nbsp;&nbsp;<U>Expenses</U>.&nbsp;Except as otherwise provided in
<U>Section</U><U></U><U>&nbsp;8.2</U>, all costs and expenses incurred in connection with this Agreement and the transactions contemplated hereby shall be paid by the party incurring such expense; <U>provided</U>, that the costs and expenses of
printing and mailing the Proxy Statement and all filing and other fees paid to the SEC in connection with the Integrated Mergers shall be borne equally by Parent and the Company. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_115"></A>9.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>.&nbsp;All notices and other communications hereunder shall be in
writing and shall be deemed duly given (a)&nbsp;on the date of delivery if delivered personally, or (b)&nbsp;if by email so long as such email states it is a notice delivered pursuant to this <U>Section</U><U></U><U>&nbsp;9.5</U> and a duplicate
copy of such email is promptly given by one of the other methods described in this <U>Section</U><U></U><U>&nbsp;9.5(b)</U>&nbsp;on the first business day following the date of dispatch if delivered </P>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-64 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
utilizing a <FONT STYLE="white-space:nowrap">next-day</FONT> service by a recognized <FONT STYLE="white-space:nowrap">next-day</FONT> courier.&nbsp;All notices hereunder shall be delivered to the
addresses set forth below, or pursuant to such other instructions as may be designated in writing by the party to receive such notice: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;if to the Company, to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Empire Bancorp, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">1707
Veterans Highway </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Islandia, NY 11749 </P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Attention:&nbsp;&nbsp;Douglas</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">C. Manditch </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Email:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;dmanditch@empirenb.com </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman"><I>With a copy (which shall not constitute notice) to:</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">812 San Antonio Street, Suite 600 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Austin, Texas 78701 </P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Attention:&nbsp;&nbsp;Geoffrey</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">S. Kay </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Email:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;gkay@fkhpartners.com </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;if to Parent (or to the Surviving Corporation from and after the Effective Time), to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Flushing Financial Corporation </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">220 RXR Plaza </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Uniondale, NY
11556 </P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Attention:&nbsp;&nbsp;John</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">R. Buran </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Email:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;john.buran@flushingbank.com </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman"><I>With a copy (which shall not constitute notice) to:</I> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Arnold&nbsp;&amp; Porter Kaye Scholer LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">250 West 55th Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">New York,
NY 10019 </P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Attention:&nbsp;&nbsp;Robert</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">C. Azarow </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="13%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">Email:</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;robert.azarow@arnoldporter.com </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_116"></A>9.6&nbsp;&nbsp;&nbsp;&nbsp;<U>Interpretation</U>.&nbsp;The parties have participated jointly in negotiating
and drafting this Agreement.&nbsp;In the event that an ambiguity or a question of intent or interpretation arises, this Agreement shall be construed as if drafted jointly by the parties, and no presumption or burden of proof shall arise favoring or
disfavoring any party by virtue of the authorship of any provision of this Agreement.&nbsp;When a reference is made in this Agreement to Articles, Sections, Exhibits or Schedules, such reference shall be to an Article&nbsp;or Section&nbsp;of or
Exhibit&nbsp;or Schedule to this Agreement unless otherwise indicated.&nbsp;The table of contents and headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this
Agreement.&nbsp;Whenever the words &#147;include,&#148; &#147;includes&#148; or &#147;including&#148; are used in this Agreement, they shall be deemed to be followed by the words &#147;without limitation.&#148;&nbsp;References to &#147;<U>the date
hereof</U>&#148; shall mean the date of this Agreement.&nbsp;As used in this Agreement, the &#147;<U>Knowledge</U>&#148; of the Company means the actual knowledge of any of the officers of the Company or Company Bank listed in
<U>Section</U><U></U><U>&nbsp;9.6 of the Company Disclosure Schedule</U>, and the &#147;<U>Knowledge</U>&#148; of Parent means the actual knowledge of any of the officers of Parent listed in <U>Section</U><U></U><U>&nbsp;9.6 of the Parent Disclosure
Schedule</U>.&nbsp;As used herein, (i)&nbsp;&#147;<U>business day</U>&#148; means any day other than a Saturday, a Sunday or a day on which banks in New York, New York are authorized by Law to be closed, (ii)&nbsp;&#147;<U>Person</U>&#148; means any
individual, corporation (including <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">not-for-profit),</FONT></FONT> general or limited partnership, limited liability company, joint venture, estate, trust, association, organization,
Governmental Entity or other entity of any kind or nature, (iii)&nbsp;an &#147;<U>affiliate</U>&#148; of a specified Person is any Person that directly or indirectly controls, is controlled by, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-65 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or is under common control with, such specified Person, (iv)&nbsp;&#147;<U>made available</U>,&#148; &#147;<U>furnished</U>&#148; or words of similar import with respect to the Company or Company
Bank, as the case may be, means any document or other information that was included in that certain Intralinks virtual data room named &#147;Project Lighthouse&#148; prior to the date hereof, and (v)&nbsp;the &#147;<U>transactions contemplated
hereby</U>&#148; and &#147;<U>transactions contemplated by this Agreement</U>&#148; shall include the Integrated Mergers.&nbsp;The Company Disclosure Schedule and the Parent Disclosure Schedule, as well as all other schedules and all exhibits
hereto, shall be deemed part of this Agreement and included in any reference to this Agreement. All references to &#147;<U>dollars</U>&#148; or &#147;<U>$</U>&#148; in this Agreement are to United States dollars. This Agreement shall not be
interpreted or construed to require any Person to take any action, or fail to take any action, if to do so would violate any applicable Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_117"></A>9.7&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>.&nbsp;This Agreement may be executed in two or more
counterparts (including by facsimile or other electronic means) all of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other parties, it
being understood that all parties need not sign the same counterpart. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_118"></A>9.8&nbsp;&nbsp;&nbsp;&nbsp;<U>Disclosure Schedules</U>.&nbsp;The parties hereto agree that any reference in a
particular Section or subsection&nbsp;of either the Company Disclosure Schedule or the Parent Disclosure Schedule shall be deemed to be an exception to (or, as applicable, a disclosure for purposes of) the representations and warranties or
covenants, as applicable, of the relevant party that are contained in the corresponding Section&nbsp;or subsection&nbsp;of this Agreement and to any other representations, warranties or covenants of such party that are contained in this Agreement,
but only if the relevance of that reference as an exception to (or a disclosure for purposes of) such other <FONT STYLE="white-space:nowrap">non-corresponding</FONT> representations, warranties and covenants would be readily apparent to a reasonable
Person who has read that reference and such representations, warranties or covenants without any independent knowledge on the part of the reader regarding the matter(s) so disclosed. The mere inclusion of an item in either the Company Disclosure
Schedule or the Parent Disclosure Schedule as an exception to a representation, warranty or covenant shall not be deemed an admission that such item represents a material exception or material fact, event or circumstance or that such item has had or
would reasonably be expected to have a Material Adverse Effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_119"></A>9.9&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire
Agreement</U>.&nbsp;This Agreement (including the documents and the instruments referred to herein) together with the Confidentiality Agreement constitutes the entire agreement among the parties and supersedes all prior agreements and
understandings, both written and oral, among the parties with respect to the subject matter hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_120"></A>9.10&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law; Jurisdiction</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement shall be governed by the Laws of the State of New York, without giving effect to the principles of
conflicts of laws thereof (other than <FONT STYLE="white-space:nowrap">Section&nbsp;5-1401</FONT> of the New York General Obligations Law). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Each party agrees that any suit, action or proceeding seeking to enforce any provision of, or based on any matter
arising out of or in connection with, this Agreement or the transactions contemplated hereby or thereby shall be brought exclusively in the federal or state courts located in the Borough of Manhattan in New York City, and each of the parties hereby
consents to the jurisdiction of such courts (and of the appropriate appellate courts therefrom) in any such suit, action or proceeding and irrevocably waives, to the fullest extent permitted by Law, any objection which it may now or hereafter have
to the laying of the venue of any such suit, action or proceeding in any such court or that any such suit, action or proceeding which is brought in any such court has been brought in an inconvenient forum. The parties hereto agree that final
judgment in any suit, action or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any other manner provided by applicable Law. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_121"></A>9.11&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Jury Trial</U>.&nbsp;EACH PARTY HERETO ACKNOWLEDGES AND AGREES THAT
ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-66 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE
LITIGATION, ANY RIGHT SUCH PARTY MAY&nbsp;HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT.&nbsp;EACH PARTY HERETO CERTIFIES
AND ACKNOWLEDGES THAT:&nbsp;(A)&nbsp;NO REPRESENTATIVE, AGENT OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, AND
(B)&nbsp;EACH PARTY HERETO (I)&nbsp;UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (II)&nbsp;MAKES THIS WAIVER VOLUNTARILY, AND (III)&nbsp;HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND
CERTIFICATIONS IN THIS <U>SECTION</U><U></U><U>&nbsp;9.11</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_122"></A>9.12&nbsp;&nbsp;&nbsp;&nbsp;<U>Assignment; Third Party Beneficiaries</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Neither this Agreement nor any of the rights, interests or obligations shall be assigned by any of the parties
hereto (other than by operation of law) without the prior written consent of the other party.&nbsp;Any purported assignment in contravention hereof shall be null and void.&nbsp;Subject to the preceding sentence, this Agreement will be binding upon,
inure to the benefit of and be enforceable by the parties and their respective successors and assigns. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Except
as otherwise specifically provided in <U>Section</U><U></U><U>&nbsp;6.8</U>, which is intended to benefit each Company Indemnified Party, this Agreement (including the documents and instruments referred to herein) is not intended to, and does not,
confer upon any Person other than the parties hereto any rights or remedies hereunder, including the right to rely upon the representations and warranties set forth herein.&nbsp;The representations and warranties in this Agreement are the product of
negotiations among the parties hereto and are for the sole benefit of the parties.&nbsp;Any inaccuracies in such representations and warranties are subject to waiver by the parties hereto in accordance herewith without notice or liability to any
other Person.&nbsp;In some instances, the representations and warranties in this Agreement may represent an allocation among the parties hereto of risks associated with particular matters regardless of the Knowledge of any of the parties
hereto.&nbsp;Consequently, Persons other than the parties may not rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the date of this Agreement or as of any other date. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_123"></A>9.13&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific Performance</U>.&nbsp;The parties hereto agree that irreparable
damage would occur if any provision of this Agreement were not performed in accordance with its specific terms or otherwise breached.&nbsp;Accordingly, the parties shall be entitled to specific performance of the terms hereof, including an
injunction or injunctions to prevent breaches of this Agreement or to enforce specifically the performance of the terms and provisions hereof (including the parties&#146; obligation to consummate the Integrated Mergers), in addition to any other
remedy to which they are entitled at law or in equity.&nbsp;Each of the parties hereby further waives (a)&nbsp;any defense in any action for specific performance that a remedy at law would be adequate and (b)&nbsp;any requirement under any Law to
post security or a bond as a prerequisite to obtaining equitable relief. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_124"></A>9.14&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>.&nbsp;Whenever possible, each provision or portion of any
provision of this Agreement shall be interpreted in such manner as to be effective and valid under applicable Law, but if any provision or portion of any provision of this Agreement is held to be invalid, illegal or unenforceable in any respect
under any applicable Law in any jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provision or portion of any provision in such jurisdiction, and this Agreement shall be reformed, construed and enforced in such
jurisdiction such that the invalid, illegal or unenforceable provision or portion thereof shall be interpreted to be only so broad as is enforceable. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-67 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><A NAME="annxarom922344_125"></A>9.15&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery by Facsimile or
Electronic Transmission</U>.&nbsp;This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile
machine or by <FONT STYLE="white-space:nowrap">e-mail</FONT> delivery of a &#147;.pdf&#148; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the same binding legal
effect as if it were the original signed version thereof delivered in person.&nbsp;No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or <FONT STYLE="white-space:nowrap">e-mail</FONT> delivery of a
&#147;.pdf&#148; format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or <FONT
STYLE="white-space:nowrap">e-mail</FONT> delivery of a &#147;.pdf&#148; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page&nbsp;Follows] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-68 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed by their
respective officers thereunto duly authorized as of the date first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="79%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">EMPIRE BANCORP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Douglas C. Manditch</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Douglas C. Manditch</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Chairman of the Board,</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Chief Executive
Officer and Secretary</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">FLUSHING FINANCIAL CORPORATION</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">John R. Buran</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">President and</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Chief Executive
Officer</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5">LIGHTHOUSE ACQUISITION CO., INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">John R. Buran</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">President</TD></TR>
</TABLE></DIV> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:96pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Agreement and Plan of Merger] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-69 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT <FONT STYLE="white-space:nowrap">A-1</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF VOTING AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">This Voting Agreement, effective as of October &nbsp;&nbsp;&nbsp;&nbsp;, 2019 (as amended, supplemented, or otherwise modified from time to
time, this &#147;<U>Agreement</U>&#148;), is entered into by and between Flushing Financial Corporation, a Delaware corporation (&#147;<U>Parent</U>&#148;), Empire Bancorp, Inc., a New York corporation (the &#147;<U>Company</U>&#148;), and the
undersigned holder of shares of Company Voting Common Stock (the &#147;<U>Shareholder</U>&#148;). Capitalized terms used and not otherwise defined herein shall have the respective meanings set forth in the Merger Agreement described below. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS,
pursuant to an Agreement and Plan of Merger, dated as of the date hereof, by and between the Company, Parent and Merger Sub (as amended, supplemented, or otherwise modified from time to time, the &#147;<U>Merger Agreement</U>&#148;), (i) Merger Sub
will, subject to the terms and conditions set forth in the Merger Agreement, merge with and into the Company (the &#147;<U>First-Step </U><U>Merger</U>&#148;), with the Company surviving the First-Step Merger as a wholly owned subsidiary of Parent,
and (ii)&nbsp;immediately thereafter, the Company will merge with and into Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a condition and inducement to Parent to
enter into the Merger Agreement, and in consideration of the expenses incurred and to be incurred by Parent in connection therewith, Parent has required the Shareholder to execute and deliver this Agreement upon the terms and conditions set forth
herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, as of the date hereof, the Shareholder is the registered and beneficial owner of, and is entitled to dispose of (or to
direct the disposition of) and to vote (or to direct the voting of), such number of shares of Company Voting Common Stock as is indicated on <U>Appendix A</U> to this Agreement under the heading &#147;Total number of shares of Company Voting Common
Stock subject to this Agreement&#148; (such shares, together with any other shares of Company Voting Common Stock acquired by the Shareholder after the date hereof and during the term of this Agreement (including through the exercise of any stock
options, Company Warrants or similar instruments), being collectively referred to herein as the &#147;<U>Shares</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">NOW,
THEREFORE, in consideration of the foregoing and the representations, warranties, covenants, and agreements set forth herein, and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, and intending to be
legally bound hereby, the parties hereto hereby agree as follows: </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Agreement to Vote Shares</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;As used herein, the term &#147;<U>Expiration Date</U>&#148; shall mean the earlier to occur of (i)&nbsp;the
Effective Time and (ii)&nbsp;the termination of the Merger Agreement in accordance with the terms thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Until the Expiration Date, at every meeting of the shareholders of the Company at which the following is
considered or voted upon, and at every adjournment or postponement thereof, and on every action or approval by written consent of the shareholders of the Company with respect to the following, the Shareholder shall (i)&nbsp;appear at each such
meeting or otherwise cause the Shares to be counted as present thereat for purposes of calculating a quorum, and (ii)&nbsp;vote (or cause to be voted) the Shares (A)&nbsp;in favor of the adoption and approval of the Merger Agreement and the
transactions contemplated thereby and in favor of each of the other actions contemplated by the Merger Agreement, (B)&nbsp;against any action or agreement that could reasonably be expected to result in a breach of any covenant, representation,
warranty, or other obligation or agreement of the Company contained in the Merger Agreement, or of the Shareholder contained in this Agreement, and (C)&nbsp;against any Acquisition Proposal or any other proposal, action, agreement, or transaction
that is intended, or could reasonably be expected, to materially impede, interfere or be inconsistent with, delay, postpone, discourage, materially and adversely affect, or inhibit the timely consummation of the transactions contemplated by the
Merger Agreement or this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-70 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder further agrees not to vote or execute any
written consent to rescind or amend in any manner any prior vote or written consent, as a shareholder of the Company, to adopt or approve the Merger Agreement or the transactions contemplated thereby, unless this Agreement shall have been terminated
in accordance with its terms. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder hereby irrevocably waives any and all rights of appraisal or
rights to dissent from the First-Step Merger that the Shareholder may have, either currently or in the future, under the NYBCL or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder makes no agreement or understanding in this Agreement in the Shareholder&#146;s capacity as a
director or officer of the Company or any of its Subsidiaries (if the Shareholder holds any such office), and nothing in this Agreement: (i)&nbsp;will limit or affect any actions or omissions taken by the Shareholder in the Shareholder&#146;s
capacity as such a director or officer, including in exercising rights under the Merger Agreement, and no such actions or omissions shall be deemed a breach of this Agreement, or (ii)&nbsp;will be construed to prohibit, limit, or restrict the
Shareholder from exercising the Shareholder&#146;s fiduciary duties as an officer or director of the Company or any of its Subsidiaries or to the Company&#146;s shareholders or as a trustee or fiduciary of any employee benefit plan or trust of the
Company. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">2.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations, Warranties, and Covenants of the Shareholder</U>. The Shareholder hereby
represents, warrants, and covenants to Parent as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Except as otherwise described in
<U>Appendix</U><U></U><U>&nbsp;A</U>, (i)&nbsp;the Shareholder is the record or beneficial owner of, and has good and valid title to, the Shares, free and clear of any and all pledges, liens, security interests, mortgages, claims, charges,
restrictions, options, title defects, or encumbrances, and (ii)&nbsp;the Shareholder has the sole right to vote the Shares, with no restrictions, limitations, or qualifications on the Shareholder&#146;s rights of disposition pertaining to the
Shares, except as provided herein. The Shareholder does not own, of record or beneficially, any shares of capital stock of the Company other than (i)&nbsp;the Shares and (ii)&nbsp;the number of options, Company Warrants, restricted stock awards, or
other rights to acquire any additional shares of Company Voting Common Stock or any security exercisable for or convertible into shares of Company Voting Common Stock, if any, set forth on <U>Appendix</U><U></U><U>&nbsp;A</U> under the heading
&#147;Total number of Options&#148; (collectively, the &#147;<U>Options</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Other than pursuant to
this Agreement or with Parent&#146;s prior written consent, from the date hereof through and including the Expiration Date, the Shareholder shall not, directly or indirectly, (i)&nbsp;sell, transfer, pledge, assign, or otherwise dispose of
(including by gift) (collectively, &#147;<U>Transfer</U>&#148;), or enter into any contract, agreement, option, or other arrangement (including any profit sharing arrangement) with respect to the Transfer of, any Shares or Options to any person
(other than pursuant to the First-Step Merger), or (ii)&nbsp;enter into any voting arrangement, whether by proxy, voting agreement, or otherwise, with respect to any Shares, and shall not commit or agree to take any of the foregoing actions. The
Shareholder shall not, nor shall the Shareholder permit any entity under the Shareholder&#146;s control to, deposit any Shares in a voting trust. This <U>Section</U><U></U><U>&nbsp;2(b)</U> shall not prohibit a Transfer of the Shares or the Options
by the Shareholder (i)&nbsp;to any member of the Shareholder&#146;s immediate family, or to a trust for the benefit of the Shareholder or any member of the Shareholder&#146;s immediate family, or upon the death of the Shareholder, provided, that as
a precondition to such Transfer, the transferee agrees in writing to be bound by all of the terms of this Agreement, (ii)&nbsp;for estate and tax planning purposes, including Transfers to relatives, trusts and charitable organizations, provided,
that as a precondition to such Transfer, the transferee agrees in writing to be bound by all of the terms of this Agreement, (iii)&nbsp;to the Company in connection with the vesting, award, delivery or settlement of any Company Equity Award, or
(iv)&nbsp;by operation of law, in which case this Agreement shall bind each transferee. Any Transfer in violation of the terms of this <U>Section</U><U></U><U>&nbsp;2(b)</U> shall be void and of no effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder has full power and authority (and, if the Shareholder is an individual, legal capacity) to execute
and deliver this Agreement, to perform its obligations hereunder, and to vote all of the </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-71 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Shares in the manner set forth in this Agreement without the consent or approval of, or any other action on the part of, any other person or entity (including any Governmental Entity), except, in
each case, as otherwise disclosed on <U>Appendix</U><U></U><U>&nbsp;A</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement has been duly and
validly executed and delivered by the Shareholder and constitutes the valid and binding obligation of the Shareholder, enforceable against the Shareholder in accordance with its terms, except as may be limited by the Enforceability Exceptions. The
execution and delivery of this Agreement by the Shareholder does not, and the performance of the Shareholder&#146;s obligations hereunder will not, result in any breach of or constitute a default (or an event that with notice or lapse of time or
both would become a default) under, or give to others any right to terminate, amend, accelerate, or cancel any right or obligation under, or result in the creation of any lien or encumbrance on any Shares pursuant to, any note, bond, mortgage,
indenture, contract, agreement, lease, license, permit, franchise, or other instrument or obligation to which the Shareholder is a party or by which the Shareholder or the Shares are or will be bound or affected, or any Law to which the Shareholder
is subject or bound, or, in the event that the Shareholder is not a natural person, any charter, bylaw, trust agreement, or other organizational document (each as amended from time to time) of the Shareholder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;No consent, approval, or authorization of, or designation, declaration, or filing with, any Governmental Entity or
other Person is required in connection with the valid execution and delivery of this Agreement, except as otherwise disclosed on <U>Appendix</U><U></U><U>&nbsp;A</U>. If the Shareholder is married and the Shares constitute community property, or
spousal approval is otherwise necessary for the Shareholder to enter into and perform his or her obligations under this Agreement or for this Agreement to be legal, valid and binding, this Agreement has been duly authorized, executed, and delivered
by, and constitutes a valid and binding agreement of, the Shareholder&#146;s spouse, enforceable in accordance with its terms. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder is an executive officer, director, or founder of the Company or Company Bank, or a family member
of any of the foregoing, and/or a holder of at least five percent (5%) of the outstanding shares of Company Voting Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Further Assurances</U>. The Shareholder hereby covenants and agrees to (a)&nbsp;execute and deliver any
additional documents, certificates, agreements, and instruments, and to take such other actions, as may be reasonably requested by Parent to carry out the purpose and intent of this Agreement and (b)&nbsp;notify Parent promptly of any additional
shares of capital stock of the Company of which the Shareholder becomes the record or beneficial owner after the date of this Agreement. Without limiting the foregoing, the Shareholder hereby (a)&nbsp;authorizes Parent to publish and disclose in any
public announcement, disclosure required by the SEC or by applicable Law, or the Proxy Statement (and, if applicable, the Form <FONT STYLE="white-space:nowrap">S-4),</FONT> the Shareholder&#146;s identity and ownership of the Shares, the nature of
the Shareholder&#146;s obligations under this Agreement, and any other information that Parent reasonably determines is required to be disclosed in connection with the First-Step Merger and the transactions contemplated by the Merger Agreement,
(b)&nbsp;agrees to promptly give to Parent any information Parent may reasonably require for the preparation of any such disclosure documents, and (c)&nbsp;agrees to promptly notify Parent of any required corrections or supplements with respect to
any information supplied by the Shareholder, if and to the extent that such information shall have become false or misleading in any material respect or shall omit any material fact necessary to make such information, in light of the circumstances
under which it is given, not misleading. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">4.&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>. This Agreement shall terminate and shall have no
further force or effect as of the Expiration Date; provided, that (a) <U>Section 5</U> shall survive the termination of this Agreement, and (b)&nbsp;the termination of this Agreement shall not relieve the Shareholder from any liability for any
inaccuracy in or breach of any representation, warranty, or covenant contained in this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-72 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>. Any term or provision of this Agreement that is invalid or unenforceable in any jurisdiction
shall, as to that jurisdiction, be ineffective to the extent of such invalidity or unenforceability without rendering invalid or unenforceable the remaining terms and provisions of this Agreement or affecting the validity or enforceability of any of
the terms or provisions of this Agreement in any other jurisdiction. If any provision of this Agreement is so broad as to be unenforceable, the provision shall be interpreted to be only so broad as is enforceable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding Effect and Assignment</U>. This Agreement and all of the provisions hereof shall be binding upon and
inure to the benefit of the parties hereto and their respective successors and permitted assigns, including the Shareholder&#146;s estate and heirs upon the death of the Shareholder; provided, that, except as otherwise specifically provided herein,
neither this Agreement nor any of the rights, interests, or obligations of the parties may be assigned or delegated by any of the parties without prior written consent of the other parties. Any assignment in violation of the foregoing shall be void
and of no effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver, Amendment, and Modification</U>. Any provision of this Agreement may be
(i)&nbsp;waived in whole or in part by the party benefited by the provision by a written instrument signed by or on behalf of such party, or (ii)&nbsp;amended or modified at any time by an agreement in writing among the parties hereto executed in
the same manner as this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Jury Trial</U>. EACH PARTY HERETO ACKNOWLEDGES AND AGREES
THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF
INSTITUTION OF THE APPLICABLE LITIGATION, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT.&nbsp;EACH PARTY HERETO CERTIFIES AND ACKNOWLEDGES
THAT:&nbsp;(i)&nbsp;NO REPRESENTATIVE, AGENT, OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, AND (ii)&nbsp;EACH PARTY
HERETO (A)&nbsp;UNDERSTANDS AND HAS CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (B)&nbsp;MAKES THIS WAIVER VOLUNTARILY, AND (C)&nbsp;HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS
<U>SECTION</U><U></U><U>&nbsp;5(d)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific Performance; Injunctive Relief</U>. The parties
acknowledge that Parent may be irreparably harmed by, and that there may be no adequate remedy at law for, a violation of any of the covenants or agreements of the Shareholder set forth in this Agreement. Therefore, the Shareholder hereby agrees
that, in addition to any other remedies that may be available to Parent upon any such violation, Parent shall have the right to enforce such covenants and agreements by specific performance, injunctive relief, or by any other means available to such
party at law or in equity without posting any bond or other undertaking. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices,
requests, and other communications hereunder to a party shall be in writing and shall be deemed given if personally delivered, faxed (with confirmation of receipt), emailed (with confirmation of receipt), or mailed by registered or certified mail
(return receipt requested) to such party at its address set forth below or such other address as such party may specify by notice to the parties hereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;If to the Shareholder, at the address set forth below the Shareholder&#146;s signature on the
signature page hereto. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-73 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;If to Parent, at: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="59%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Flushing Financial Corporation</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">220 RXR Plaza</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Uniondale, NY 11556</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Maria A. Grasso, Senior Executive Vice President</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Facsimile:&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(516) 358 - 5224</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Email:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>mgrasso@flushingbank.com</U></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;If to the Company, at: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="59%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Empire Bancorp, Inc.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">1707 Veterans Highway</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Islandia, NY 11749</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Douglas C. Manditch</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Facsimile:&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(631) <FONT STYLE="white-space:nowrap">232-2670</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Email:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>dmanditch@empirenb.com</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law, Jurisdiction, and Venue</U>. This Agreement shall be governed by
the Laws of the State of New York, without giving effect to the principles of conflicts of laws thereof (other than <FONT STYLE="white-space:nowrap">Section&nbsp;5-1401</FONT> of the New&nbsp;York General Obligations Law). Each party agrees that any
suit, action, or proceeding seeking to enforce any provision of, or based on any matter arising out of or in connection with, this Agreement or the transactions contemplated hereby or thereby shall be brought exclusively in the federal or state
courts located in the Borough of Manhattan in New York City, and each of the parties hereby consents to the jurisdiction of such courts (and of the appropriate appellate courts therefrom) in any such suit, action, or proceeding and irrevocably
waives, to the fullest extent permitted by Law, any objection which it may now or hereafter have to the laying of the venue of any such suit, action, or proceeding in any such court or that any such suit, action, or proceeding which is brought in
any such court has been brought in an inconvenient forum. The parties hereby agree that (i)&nbsp;mailing of process or other papers in connection with any such suit, action, or proceeding in the manner provided in
<U>Section</U><U></U><U>&nbsp;5(f)</U> or in such other manner as may be permitted by Law shall be valid and sufficient service thereof, and (ii)&nbsp;final judgment in any such suit, action, or proceeding shall be conclusive and may be enforced in
other jurisdictions by suit on the judgment or in any other manner provided by applicable Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire
Agreement</U>. This Agreement contains the entire understanding of the parties in respect of the subject matter hereof and supersedes all prior negotiations and understandings between the parties with respect to such subject matter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>. This Agreement may be executed in two or more counterparts, each of which shall be deemed to
constitute an original but all of which together shall constitute one and the same instrument, it being understood that all parties need not sign the same counterpart. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument
entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by email delivery of a &#147;.pdf&#148; format data file, shall be treated in all
manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.&nbsp;No party hereto or to any such agreement or
instrument shall raise the use of a facsimile machine or email delivery of a &#147;.pdf&#148; format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted
or communicated through the use of a facsimile machine or email delivery of a &#147;.pdf&#148; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-74 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Headings</U>. The section headings herein are for
convenience only and shall not affect in any way the construction or interpretation of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page Follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-75 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed in
counterparts by their respective duly authorized officers or by a duly authorized representative or individually, as applicable, all as of the day and year first above written. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="25%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="74%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">EMPIRE BANCORP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">FLUSHING&nbsp;FINANCIAL&nbsp;CORPORATION</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">SHAREHOLDER</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Address:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Fax&nbsp;Number:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">SHAREHOLDER&#146;S&nbsp;SPOUSE&nbsp;(IF&nbsp;APPLICABLE):</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:120pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Voting Agreement Signature
Page</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-76 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">APPENDIX A </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="29%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="28%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Shareholder&nbsp;Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Total number of shares of</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Company&nbsp;Voting&nbsp;Common&nbsp;Stock</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Subject to this
Agreement:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Total number of Options:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Exceptions to Representations:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-77 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT <FONT STYLE="white-space:nowrap">A-2</FONT> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF VOTING AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">This Voting Agreement, effective as of October &nbsp;&nbsp;&nbsp;&nbsp;, 2019 (as amended, supplemented, or otherwise modified from time to
time, this &#147;<U>Agreement</U>&#148;), is entered into by and between FLUSHING FINANCIAL CORPORATION, a Delaware corporation (&#147;<U>Parent</U>&#148;), LIGHTHOUSE BANCORP, INC., a New York corporation (the &#147;<U>Company</U>&#148;), and the
undersigned holder of shares of Company Voting Common Stock (the &#147;<U>Shareholder</U>&#148;). Capitalized terms used and not otherwise defined herein shall have the respective meanings set forth in the Merger Agreement described below. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>RECITALS </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS,
pursuant to an Agreement and Plan of Merger, dated as of the date hereof, by and between the Company, Parent and Merger Sub (as amended, supplemented, or otherwise modified from time to time, the &#147;<U>Merger Agreement</U>&#148;), (i) Merger Sub
will, subject to the terms and conditions set forth in the Merger Agreement, merge with and into the Company (the &#147;<U>First-Step </U><U>Merger</U>&#148;), with the Company surviving the First-Step Merger as a wholly owned subsidiary of Parent,
and (ii)&nbsp;immediately thereafter, the Company will merge with and into Parent. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, as a condition and inducement to Parent to
enter into the Merger Agreement, and in consideration of the expenses incurred and to be incurred by Parent in connection therewith, Parent has required the Shareholder to execute and deliver this Agreement upon the terms and conditions set forth
herein. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, as of the date hereof, the Shareholder is the registered and beneficial owner of, and is entitled to dispose of (or to
direct the disposition of) and to vote (or to direct the voting of), such number of shares of Company Voting Common Stock as is indicated on <U>Appendix A</U> to this Agreement under the heading &#147;Total number of shares of Company Voting Common
Stock subject to this Agreement&#148; (such shares, together with any other shares of Company Voting Common Stock acquired by the Shareholder after the date hereof and during the term of this Agreement (including through the exercise of any stock
options, Company Warrants or similar instruments), being collectively referred to herein as the &#147;<U>Shares</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">NOW,
THEREFORE, in consideration of the foregoing and the representations, warranties, covenants, and agreements set forth herein, and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, and intending to be
legally bound hereby, the parties hereto hereby agree as follows: </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.&nbsp;&nbsp;&nbsp;&nbsp;<U>Agreement to Vote Shares</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;As used herein, the term &#147;<U>Expiration Date</U>&#148; shall mean the earlier to occur of (i)&nbsp;the
Effective Time and (ii)&nbsp;the termination of the Merger Agreement in accordance with the terms thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Until the Expiration Date, at every meeting of the shareholders of the Company at which the following is
considered or voted upon, and at every adjournment or postponement thereof, and on every action or approval by written consent of the shareholders of the Company with respect to the following, the Shareholder shall (i)&nbsp;appear at each such
meeting or otherwise cause the Shares to be counted as present thereat for purposes of calculating a quorum, and (ii)&nbsp;vote (or cause to be voted) the Shares (A)&nbsp;in favor of the adoption and approval of the Merger Agreement and the
transactions contemplated thereby and in favor of each of the other actions contemplated by the Merger Agreement, (B)&nbsp;against any action or agreement that could reasonably be expected to result in a breach of any covenant, representation,
warranty, or other obligation or agreement of the Company contained in the Merger Agreement, or of the Shareholder contained in this Agreement, and (C)&nbsp;against any Acquisition Proposal or any other proposal, action, agreement, or transaction
that is intended, or could reasonably be expected, to materially impede, interfere or be inconsistent with, delay, postpone, discourage, materially and adversely affect, or inhibit the timely consummation of the transactions contemplated by the
Merger Agreement or this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-78 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder further agrees not to vote or execute any
written consent to rescind or amend in any manner any prior vote or written consent, as a shareholder of the Company, to adopt or approve the Merger Agreement or the transactions contemplated thereby, unless this Agreement shall have been terminated
in accordance with its terms. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder hereby irrevocably waives any and all rights of appraisal or
rights to dissent from the First-Step Merger that the Shareholder or any such affiliate may have, either currently or in the future, under the NYBCL or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder makes no agreement or understanding in this Agreement in the Shareholder&#146;s capacity as a
director or officer of the Company or any of its Subsidiaries (if the Shareholder holds any such office), and nothing in this Agreement: (i)&nbsp;will limit or affect any actions or omissions taken by the Shareholder in the Shareholder&#146;s
capacity as such a director or officer, including in exercising rights under the Merger Agreement, and no such actions or omissions shall be deemed a breach of this Agreement, or (ii)&nbsp;will be construed to prohibit, limit, or restrict the
Shareholder from exercising the Shareholder&#146;s fiduciary duties as an officer or director of the Company or any of its Subsidiaries or to the Company&#146;s shareholders or as a trustee or fiduciary of any employee benefit plan or trust of the
Company. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">2. &nbsp;&nbsp;&nbsp;&nbsp;<U>Additional Agreements</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;With respect to Company Warrants held by the Shareholder, the Shareholder agrees to exercise each such Company
Warrant on or prior to the warrant expiration date of December&nbsp;19, 2019 set forth therein, and to receive in consideration of the exercise and cancellation of such Company Warrant and in settlement therefor, such amount of Company Common Stock
issuable upon the exercise of the Company Warrant in accordance with the terms of the Company Warrants. If the Shareholder does not, prior to the warrant expiration date of December&nbsp;19, 2019, exercise such Company Warrant, then such Company
Warrant shall, without any payment of any consideration therefor, be canceled and extinguished, shall no longer be outstanding, shall cease to represent the right to acquire shares of Company Common Stock or receive any Merger Consideration and
shall not represent the right to acquire any shares of Parent Common Stock. The Shareholder agrees to vote such Company Common Stock issuable and issued with respect to the Shareholder&#146;s Company Warrants consistent with
<U>Section</U><U></U><U>&nbsp;1</U> above. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder agrees that each of that certain Corporate
Governance Agreement dated December&nbsp;19, 2014 between the Company and the Shareholder and that certain Securities Purchase Agreement dated December&nbsp;19, 2014 between the Company and the Shareholder (collectively, the &#147;<U>Shareholder
Agreements</U>&#148;) is hereby terminated as of the Effective Time without any further requirement of either party to execute any additional documents or take any further action with respect thereto. From and after the Effective Time, the
Shareholder Agreements shall be of no further force or effect, and the rights and obligations of each of the parties thereunder shall terminate. In addition, the Shareholder hereby irrevocably waives any right to require the registration of the
Company Common Stock that may exist upon the exercise of the Company Warrants as such right may be set forth in the Shareholder Agreements or the Company Warrants. The Shareholder, on behalf of itself and its present and former parents,
subsidiaries, affiliates, officers, directors, shareholders, members, successors and assigns (collectively, &#147;<U>Releasors</U>&#148;) hereby releases, waives and forever discharges the other parties thereto and its respective present and former,
direct and indirect, parents, subsidiaries, affiliates, employees, officers, directors, shareholders, members, agents, representatives, permitted successors and permitted assigns (collectively, &#147;<U>Releasees</U>&#148;) of and from any and all
actions, causes of action, suits, losses, liabilities, rights, debts, dues, sums of money, accounts, reckonings, obligations, costs, expenses, liens, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances,
trespasses, damages, judgments, extents, executions, claims, and demands, of every kind and nature whatsoever, whether now known or unknown, foreseen or unforeseen, matured or unmatured, suspected or unsuspected, in law, admiralty or equity
(collectively, &#147;<U>Claims</U>&#148;), which any of such Releasors ever had, now have, or hereafter can, shall, or may have against any of such Releasees for, upon, or by reason of any matter, cause, or thing whatsoever from the beginning of
time arising out of or relating to the Shareholder Agreements. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-79 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">3.&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations, Warranties, and Covenants of the
Shareholder</U>. The Shareholder hereby represents, warrants, and covenants to Parent as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Except as
otherwise described in <U>Appendix</U><U></U><U>&nbsp;A</U>, (i)&nbsp;the Shareholder is the record or beneficial owner of, and has good and valid title to, the Shares, free and clear of any and all pledges, liens, security interests, mortgages,
claims, charges, restrictions, options, title defects, or encumbrances, and (ii)&nbsp;the Shareholder has the sole right to vote the Shares, with no restrictions, limitations, or qualifications on the Shareholder&#146;s rights of disposition
pertaining to the Shares, except as provided herein. The Shareholder does not own, of record or beneficially, any shares of capital stock of the Company other than (i)&nbsp;the Shares and (ii)&nbsp;the number of options, Company Warrants, restricted
stock awards, or other rights to acquire any additional shares of Company Voting Common Stock or any security exercisable for or convertible into shares of Company Voting Common Stock, if any, set forth on <U>Appendix</U><U></U><U>&nbsp;A</U> under
the heading &#147;Total number of Options&#148; (collectively, the &#147;<U>Options</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;Other than
pursuant to this Agreement or with Parent&#146;s prior written consent, from the date hereof through and including the Expiration Date, the Shareholder shall not, directly or indirectly, (i)&nbsp;sell, transfer, pledge, assign, or otherwise dispose
of (including by gift) (collectively, &#147;<U>Transfer</U>&#148;), or enter into any contract, agreement, option, or other arrangement (including any profit sharing arrangement) with respect to the Transfer of, any Shares or Options to any person
(other than pursuant to the First-Step Merger), or (ii)&nbsp;enter into any voting arrangement, whether by proxy, voting agreement, or otherwise, with respect to any Shares, and shall not commit or agree to take any of the foregoing actions. The
Shareholder shall not, nor shall the Shareholder permit any entity under the Shareholder&#146;s control to, deposit any Shares in a voting trust. This <U>Section</U><U></U><U>&nbsp;3(b)</U> shall not prohibit a Transfer of the Shares or the Options
by the Shareholder (i)&nbsp;to any member of the Shareholder&#146;s immediate family, or to a trust for the benefit of the Shareholder or any member of the Shareholder&#146;s immediate family, or upon the death of the Shareholder, provided, that a
Transfer referred to in this paragraph shall be permitted if, as a precondition to such Transfer, the transferee agrees in writing to be bound by all of the terms of this Agreement or (ii)&nbsp;by operation of law, in which case this Agreement shall
bind each transferee. Any Transfer in violation of the terms of this <U>Section</U><U></U><U>&nbsp;3(b)</U> shall be void and of no effect. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The Shareholder has full power and authority (and, if the Shareholder is an individual, legal capacity) to execute
and deliver this Agreement, to perform its obligations hereunder, and to vote all of the Shares in the manner set forth in this Agreement without the consent or approval of, or any other action on the part of, any other person or entity (including
any Governmental Entity), except, in each case, as otherwise disclosed on <U>Appendix</U><U></U><U>&nbsp;A</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;This Agreement has been duly and validly executed and delivered by the Shareholder and constitutes the valid and
binding obligation of the Shareholder, enforceable against the Shareholder in accordance with its terms, except as may be limited by the Enforceability Exceptions. The execution and delivery of this Agreement by the Shareholder does not, and the
performance of the Shareholder&#146;s obligations hereunder will not, result in any breach of or constitute a default (or an event that with notice or lapse of time or both would become a default) under, or give to others any right to terminate,
amend, accelerate, or cancel any right or obligation under, or result in the creation of any lien or encumbrance on any Shares pursuant to, any note, bond, mortgage, indenture, contract, agreement, lease, license, permit, franchise, or other
instrument or obligation to which the Shareholder is a party or by which the Shareholder or the Shares are or will be bound or affected, or any Law to which the Shareholder is subject or bound, or, in the event that the Shareholder is not a natural
person, any charter, bylaw, trust agreement, or other organizational document (each as amended from time to time) of the Shareholder. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;No consent, approval, or authorization of, or designation, declaration, or filing with, any Governmental Entity or
other Person is required in connection with the valid execution and delivery of this Agreement, except as otherwise disclosed on <U>Appendix</U><U></U><U>&nbsp;A</U>. If the Shareholder is married and the Shares constitute community property, or
spousal approval is otherwise necessary for the Shareholder to enter into and perform his </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-80 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
or her obligations under this Agreement or for this Agreement to be legal, valid and binding, this Agreement has been duly authorized, executed, and delivered by, and constitutes a valid and
binding agreement of, the Shareholder&#146;s spouse, enforceable in accordance with its terms. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;The
Shareholder is an executive officer, director, or founder of the Company or Company Bank, or a family member of any of the foregoing, and/or a holder of at least five percent (5%) of the outstanding shares of Company Voting Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">4.&nbsp;&nbsp;&nbsp;&nbsp;<U>Further Assurances</U>. The Shareholder hereby covenants and agrees to (a)&nbsp;execute and deliver any
additional documents, certificates, agreements, and instruments, and to take such other actions, as may be reasonably requested by Parent to carry out the purpose and intent of this Agreement and (b)&nbsp;notify Parent promptly of any additional
shares of capital stock of the Company of which the Shareholder becomes the record or beneficial owner after the date of this Agreement. Without limiting the foregoing, the Shareholder hereby (a)&nbsp;authorizes Parent to publish and disclose in any
public announcement, disclosure required by the SEC or by applicable Law, or the Proxy Statement (and, if applicable, the Form <FONT STYLE="white-space:nowrap">S-4),</FONT> the Shareholder&#146;s identity and ownership of the Shares, the nature of
the Shareholder&#146;s obligations under this Agreement, and any other information that Parent reasonably determines is required to be disclosed in connection with the First-Step Merger and the transactions contemplated by the Merger Agreement,
(b)&nbsp;agrees to promptly give to Parent any information Parent may reasonably require for the preparation of any such disclosure documents, and (c)&nbsp;agrees to promptly notify Parent of any required corrections or supplements with respect to
any information supplied by the Shareholder, if and to the extent that such information shall have become false or misleading in any material respect or shall omit any material fact necessary to make such information, in light of the circumstances
under which it is given, not misleading. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">5.&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>. This Agreement shall terminate and shall have no
further force or effect as of the Expiration Date; provided, that (a)<U>&nbsp;Section</U><U></U><U>&nbsp;6</U> shall survive the termination of this Agreement, and (b)&nbsp;the termination of this Agreement shall not relieve the Shareholder from any
liability for any inaccuracy in or breach of any representation, warranty, or covenant contained in this Agreement. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.&nbsp;&nbsp;&nbsp;&nbsp;<U>Miscellaneous</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;<U>Severability</U>. Any term or provision of this Agreement that is invalid or unenforceable in any jurisdiction
shall, as to that jurisdiction, be ineffective to the extent of such invalidity or unenforceability without rendering invalid or unenforceable the remaining terms and provisions of this Agreement or affecting the validity or enforceability of any of
the terms or provisions of this Agreement in any other jurisdiction. If any provision of this Agreement is so broad as to be unenforceable, the provision shall be interpreted to be only so broad as is enforceable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;<U>Binding Effect and Assignment</U>. This Agreement and all of the provisions hereof shall be binding upon and
inure to the benefit of the parties hereto and their respective successors and permitted assigns, including the Shareholder&#146;s estate and heirs upon the death of the Shareholder; provided, that, except as otherwise specifically provided herein,
neither this Agreement nor any of the rights, interests, or obligations of the parties may be assigned or delegated by any of the parties without prior written consent of the other parties. Any assignment in violation of the foregoing shall be void
and of no effect. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver, Amendment, and Modification</U>. Any provision of this Agreement may be
(i)&nbsp;waived in whole or in part by the party benefited by the provision by a written instrument signed by or on behalf of such party, or (ii)&nbsp;amended or modified at any time by an agreement in writing among the parties hereto executed in
the same manner as this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp;<U>Waiver of Jury Trial</U>. EACH PARTY HERETO ACKNOWLEDGES AND AGREES
THAT ANY CONTROVERSY WHICH MAY&nbsp;ARISE UNDER THIS AGREEMENT IS LIKELY TO INVOLVE </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-81 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
COMPLICATED AND DIFFICULT ISSUES, AND THEREFORE EACH SUCH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES, TO THE EXTENT PERMITTED BY LAW AT THE TIME OF INSTITUTION OF THE APPLICABLE
LITIGATION, ANY RIGHT SUCH PARTY MAY HAVE TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION DIRECTLY OR INDIRECTLY ARISING OUT OF OR RELATING TO THIS AGREEMENT.&nbsp;EACH PARTY HERETO CERTIFIES AND ACKNOWLEDGES THAT:&nbsp;(i)&nbsp;NO REPRESENTATIVE,
AGENT, OR ATTORNEY OF ANY OTHER PARTY HAS REPRESENTED, EXPRESSLY OR OTHERWISE, THAT SUCH OTHER PARTY WOULD NOT,&nbsp;IN THE EVENT OF LITIGATION, SEEK TO ENFORCE THE FOREGOING WAIVER, AND (ii)&nbsp;EACH PARTY HERETO (A)&nbsp;UNDERSTANDS AND HAS
CONSIDERED THE IMPLICATIONS OF THIS WAIVER, (B)&nbsp;MAKES THIS WAIVER VOLUNTARILY, AND (C)&nbsp;HAS BEEN INDUCED TO ENTER INTO THIS AGREEMENT BY, AMONG OTHER THINGS, THE MUTUAL WAIVERS AND CERTIFICATIONS IN THIS
<U>SECTION</U><U></U><U>&nbsp;6(d)</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(e)&nbsp;&nbsp;&nbsp;&nbsp;<U>Specific Performance; Injunctive Relief</U>. The parties
acknowledge that Parent may be irreparably harmed by, and that there may be no adequate remedy at law for, a violation of any of the covenants or agreements of the Shareholder set forth in this Agreement. Therefore, the Shareholder hereby agrees
that, in addition to any other remedies that may be available to Parent upon any such violation, Parent shall have the right to enforce such covenants and agreements by specific performance, injunctive relief, or by any other means available to such
party at law or in equity without posting any bond or other undertaking. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(f)&nbsp;&nbsp;&nbsp;&nbsp;<U>Notices</U>. All notices,
requests, and other communications hereunder to a party shall be in writing and shall be deemed given if personally delivered, faxed (with confirmation of receipt), emailed (with confirmation of receipt), or mailed by registered or certified mail
(return receipt requested) to such party at its address set forth below or such other address as such party may specify by notice to the parties hereto. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;If to the Shareholder, at the address set forth below the Shareholder&#146;s signature on the
signature page hereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii)&nbsp;&nbsp;&nbsp;&nbsp;If to Parent, at: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="58%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Flushing Financial Corporation</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">220 RXR Plaza</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Uniondale, NY 11556</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Maria A. Grasso, Senior Executive Vice President</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Facsimile:&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(516) 358 - 5224</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Email:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>mgrasso@flushingbank.com</U></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii)&nbsp;&nbsp;&nbsp;&nbsp;If to the Company, at: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="58%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="13%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Empire Bancorp, Inc.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">1707 Veterans Highway</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">Islandia, NY 11749</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Attention:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Douglas C. Manditch</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Facsimile:&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(631) <FONT STYLE="white-space:nowrap">232-2670</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Email:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><U>dmanditch@empirenb.com</U></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(g)&nbsp;&nbsp;&nbsp;&nbsp;<U>Governing Law, Jurisdiction, and Venue</U>. This Agreement shall be governed by
the Laws of the State of New York, without giving effect to the principles of conflicts of laws thereof (other than <FONT STYLE="white-space:nowrap">Section&nbsp;5-1401</FONT> of the New&nbsp;York General Obligations Law). Each party agrees that any
suit, action, or proceeding seeking to enforce any provision of, or based on any matter arising out of or in connection with, this Agreement or the transactions contemplated hereby or thereby shall be brought exclusively in the federal or state
courts located in the Borough of Manhattan in New York City, and each of the parties hereby consents to the jurisdiction of such courts (and of the appropriate appellate courts therefrom) in any such suit, action, or proceeding and irrevocably
waives, to the fullest extent permitted by Law, any objection which it may now or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-82 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
hereafter have to the laying of the venue of any such suit, action, or proceeding in any such court or that any such suit, action, or proceeding which is brought in any such court has been
brought in an inconvenient forum. The parties hereby agree that (i)&nbsp;mailing of process or other papers in connection with any such suit, action, or proceeding in the manner provided in <U>Section</U><U></U><U>&nbsp;6(f)</U> or in such other
manner as may be permitted by Law shall be valid and sufficient service thereof, and (ii)&nbsp;final judgment in any such suit, action, or proceeding shall be conclusive and may be enforced in other jurisdictions by suit on the judgment or in any
other manner provided by applicable Law. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(h)&nbsp;&nbsp;&nbsp;&nbsp;<U>Entire Agreement</U>. This Agreement contains the entire
understanding of the parties in respect of the subject matter hereof and supersedes all prior negotiations and understandings between the parties with respect to such subject matter. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(i)&nbsp;&nbsp;&nbsp;&nbsp;<U>Counterparts</U>. This Agreement may be executed in two or more counterparts, each of which shall be deemed to
constitute an original but all of which together shall constitute one and the same instrument, it being understood that all parties need not sign the same counterpart. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(j)&nbsp;&nbsp;&nbsp;&nbsp;<U>Delivery by Facsimile or Electronic Transmission</U>. This Agreement and any signed agreement or instrument
entered into in connection with this Agreement, and any amendments or waivers hereto or thereto, to the extent signed and delivered by means of a facsimile machine or by email delivery of a &#147;.pdf&#148; format data file, shall be treated in all
manner and respects as an original agreement or instrument and shall be considered to have the same binding legal effect as if it were the original signed version thereof delivered in person.&nbsp;No party hereto or to any such agreement or
instrument shall raise the use of a facsimile machine or email delivery of a &#147;.pdf&#148; format data file to deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted
or communicated through the use of a facsimile machine or email delivery of a &#147;.pdf&#148; format data file as a defense to the formation of a contract and each party hereto forever waives any such defense. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(k)&nbsp;&nbsp;&nbsp;&nbsp;<U>Effect of Headings</U>. The section headings herein are for convenience only and shall not affect in any way
the construction or interpretation of this Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page Follows] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-83 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed in
counterparts by their respective duly authorized officers or by a duly authorized representative or individually, as applicable, all as of the day and year first above written. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">EMPIRE BANCORP, INC.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">FLUSHING FINANCIAL CORPORATION</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">PATRIOT FINANCIAL PARTNERS II, L.P.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">PATRIOT FINANCIAL PARTNERS PARALLEL II, L.P.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">Address:</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">Attention:</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:10pt; font-family:Times New Roman">Fax Number:</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:72pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Voting Agreement Signature
Page</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-84 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="38%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="19%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Shareholder&nbsp;Name:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>&nbsp;</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Total number of shares of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Company&nbsp;Voting&nbsp;Common&nbsp;Stock&nbsp;subject</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><B>to this Agreement:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Total number of Options:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>Exceptions to Representations:</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-85 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT B </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT AND PLAN OF BANK MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">AGREEMENT AND PLAN OF BANK MERGER (this &#147;<U>Agreement</U>&#148;), dated as of October&nbsp;24, 2019, by and between FLUSHING BANK
(&#147;<U>Parent Bank</U>&#148;), a New York state-chartered bank, and EMPIRE NATIONAL BANK (&#147;<U>Company Bank</U>&#148;), a national banking association. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, Company Bank is a wholly owned subsidiary of Empire Bancorp, Inc., a New York corporation (the &#147;<U>Company</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, Parent Bank is a wholly owned subsidiary of Flushing Financial Corporation, a Delaware corporation (&#147;<U>Parent</U>&#148;); </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, Parent, Lighthouse Acquisition Co., Inc. (&#147;<U>Merger Sub</U>&#148;) and the Company have entered into an Agreement and Plan of
Merger, dated as of the date hereof (the &#147;<U>Holding Companies Merger Agreement</U>&#148;), pursuant to which Merger Sub will merge with and into Company, with Company as the surviving entity, and then the Company will merge with and into
Parent, with Parent as the surviving entity (collectively, the &#147;<U>Holding Companies Merger</U>&#148;); </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">WHEREAS, each of the Boards
of Directors of Company Bank and Parent Bank has approved, and has deemed it advisable and in the best interests of its respective shareholder to consummate, the business combination transaction provided for herein, in which Company Bank would merge
with and into Parent Bank (the &#147;<U>Bank Merger</U>&#148;), with Parent Bank as the surviving entity (the &#147;<U>Surviving Bank</U>&#148;); and </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the foregoing and the respective representations, warranties, covenants and agreements set forth herein,
the parties hereto agree as follows: </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THE BANK MERGER </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.1&nbsp;&nbsp;&nbsp;&nbsp;<I>The Bank Merger</I>. Subject to the terms and conditions of this Agreement and in accordance with the applicable
laws and regulations of the State of New York, at the Effective Time (as that term is defined below), Company Bank will merge with and into Parent Bank, with Parent Bank being the surviving entity, pursuant to the provisions of, and with the effect
provided in, Sections 136, <FONT STYLE="white-space:nowrap">136-b</FONT> and <FONT STYLE="white-space:nowrap">136-c</FONT> of the New York Banking Law (the &#147;<U>NYBL</U>&#148;) and 12 U.S.C. &#167;&#167;&nbsp;214a and 214b. The Surviving Bank
shall continue its corporate existence under the laws of the State of New York. The name of the Surviving Bank shall be &#147;Flushing Bank&#148;. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.2&nbsp;&nbsp;&nbsp;&nbsp;<I>Closing; Effective Time</I>. The closing of the Bank Merger will take place immediately following the
satisfaction of the conditions set forth in Article IV (the date on which such closing takes place, the &#147;<U>Closing Date</U>&#148;). The closing shall occur at such place as is agreed to by the parties hereto. The Bank Merger shall become
effective upon the later of (i)&nbsp;the filing by the Superintendent of Financial Services (the &#147;<U>Superintendent</U>&#148;) of this Agreement in the office of the Superintendent and (ii)<U></U>&nbsp;the consummation of the Holding Companies
Merger. The term &#147;<U>Effective Time</U>&#148; as used herein shall mean the date and time when the Bank Merger becomes effective, as specified in the certificate of effectiveness issued by the New York State Department of Financial Services.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.3&nbsp;&nbsp;&nbsp;&nbsp;<I>Effects of the Bank Merger</I>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;At the Effective Time, (i)&nbsp;the separate existence of Company Bank shall cease and Company Bank shall be merged
with and into Parent Bank in accordance with the provisions of and with the effect provided in Sections 136, 136-b and <FONT STYLE="white-space:nowrap">136-c</FONT> of the NYBL and 12 U.S.C. &#167;&#167;<U></U>&nbsp;214a and 214b;
(ii)<U></U>&nbsp;all of the property (real, personal and mixed), rights, powers, duties and obligations of Company Bank shall be taken and deemed to </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-86 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
be transferred to and vested in the Surviving Bank, without further act or deed, as provided by applicable laws and regulations; (iii)<U></U>&nbsp;the Certificate of Incorporation of Parent Bank
as in effect immediately prior to the Effective Time shall be the Certificate of Incorporation of the Surviving Bank, until altered, amended or repealed in accordance with its terms and applicable law; (iv)<U></U>&nbsp;the Bylaws of Parent Bank as
in effect immediately prior to the Effective Time shall be the Bylaws of the Surviving Bank, until altered, amended or repealed in accordance with their terms and applicable law; and (v)<U></U>&nbsp;the authorized capital stock of the Surviving Bank
shall be as set forth in the Certificate of Incorporation of Parent Bank immediately prior to the Effective Time. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;After the Effective Time, the Surviving Bank shall continue to operate each of the branches of Company Bank
existing as of the Effective Time at the officially designated address of each such branch, subject to the opening or closing of any offices which may be authorized by the Surviving Bank and applicable regulatory authorities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:13%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;After the Effective Time, the Surviving Bank will continue to issue deposit accounts on the same basis as
immediately prior to the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.4&nbsp;&nbsp;&nbsp;&nbsp;<I>Principal Office</I>. The principal office and headquarters of the
Surviving Bank shall be at 260E RXR Plaza, Uniondale, New York, 11556. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">1.5&nbsp;&nbsp;&nbsp;&nbsp;<U>Directors and Executive
Officers</U>. Upon consummation of the Bank Merger, until changed in accordance with the Certificate of Incorporation and Bylaws of the Surviving Bank, the directors of the Surviving Bank shall consist of those persons who are the directors of
Parent Bank immediately prior to the Effective Time and Mr.&nbsp;Douglas<U></U>&nbsp;C. Manditch, a current director of Company Bank. The directors of the Surviving Bank shall hold office in accordance with the Certificate of Incorporation and
Bylaws of the Surviving Bank. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EFFECT OF THE BANK MERGER ON THE CAPITAL STOCK OF THE CONSTITUENT BANKS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">2.1&nbsp;&nbsp;&nbsp;&nbsp;<I>Effect on Parent Bank Capital Stock</I>. At the Effective Time, each share of Parent Bank common stock issued
and outstanding immediately prior to the Effective Time shall be unchanged and shall remain issued and outstanding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">2.2&nbsp;&nbsp;&nbsp;&nbsp;<I>Effect on Company Bank Capital Stock</I>. At the Effective Time, by virtue of the Bank Merger and without any
action on the part of the holder of any shares of common stock, par value $1.00 per share, or preferred stock, no par value, of Company Bank (the &#147;<U>Company Bank Capital Stock</U>&#148;), all issued and outstanding shares of Company Bank
Capital Stock and all shares of Company Bank Capital Stock that are owned by Company Bank as treasury stock shall be canceled and retired and shall cease to exist and no stock of Parent Bank or other consideration shall be delivered in exchange
therefor. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>COVENANTS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">3.1&nbsp;&nbsp;&nbsp;&nbsp;<I>Covenants of Parent Bank and Company Bank</I>. During the period from the date of this Agreement and continuing
until the Effective Time, each of the parties hereto agrees to use all reasonable efforts to take, or cause to be taken, all actions and to do, or cause to be done, all things necessary, proper or advisable under applicable laws and regulations to
consummate and make effective the transactions contemplated by this Agreement. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-87 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONDITIONS PRECEDENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">4.1&nbsp;&nbsp;&nbsp;&nbsp;<I>Conditions to Each Party&#146;s Obligation to Effect the Bank Merger</I>. The respective obligations of each
party to effect the Bank Merger shall be subject to the following conditions: (i)&nbsp;all requisite regulatory approvals relating to the Bank Merger shall have been obtained and such approvals shall continue to be in full force and effect,
(ii)&nbsp;no temporary restraining order, preliminary or permanent injunction or other order issued by any court of competent jurisdiction or other legal restraint or prohibition preventing the consummation of the Bank Merger shall be in effect,
(iii)&nbsp;this Agreement and the Bank Merger shall have been approved by the sole shareholder of each of Parent Bank and Company Bank, and (iv)<U></U>&nbsp;the Holding Companies Merger shall have been consummated in accordance with the terms and
conditions of the Holding Companies Merger Agreement. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TERMINATION AND AGREEMENT </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">5.1&nbsp;&nbsp;&nbsp;&nbsp;<I>Termination</I>. This Agreement shall terminate automatically without any action by the parties hereto if the
Holding Companies Merger Agreement is validly terminated for any reason whatsoever. This Agreement may also be terminated at any time prior to the Effective Time by an instrument executed by each of Parent Bank and Company Bank. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">5.2&nbsp;&nbsp;&nbsp;&nbsp;<I>Amendment</I>. This Agreement may be amended by an instrument in writing signed on behalf of each of the parties
hereto. </P> <P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL PROVISIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.1&nbsp;&nbsp;&nbsp;&nbsp;<I>Nonsurvival of Agreements</I>. None of the agreements in this Agreement or in any instrument delivered pursuant
to this Agreement shall survive the Effective Time. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.2&nbsp;&nbsp;&nbsp;&nbsp;<I>Notices</I>. All notices and other communications
hereunder shall be in writing and shall be deemed given if delivered personally, telecopied (with confirmation) or one day after being mailed by a national overnight carrier with proof of delivery to: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">in the case of Parent Bank: </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Flushing Bank </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">220 RXR Plaza
</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Uniondale, NY 11556 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: John R. Buran </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: john.buran@flushingbank.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">With a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Arnold&nbsp;&amp; Porter Kaye Scholer LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">250 West 55th Street </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">New York,
NY 10019 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Robert C. Azarow </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: robert.azarow@arnoldporter.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-88 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">in the case of Company Bank, to: </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Empire National Bank </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">1707
Veterans Highway </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Islandia, NY 11749 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention: Douglas C. Manditch </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: dmanditch@empirenb.com </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">With a copy (which shall not constitute notice) to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">812 San Antonio Street, Suite 600 </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Austin, Texas 78701 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Attention:
Geoffrey S. Kay </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; font-size:10pt; font-family:Times New Roman">Email: gkay@fkhpartners.com </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.3&nbsp;&nbsp;&nbsp;&nbsp;<I>Interpretation</I>. When a reference is made in this Agreement to Sections, such reference shall be to a Section
of this Agreement unless otherwise indicated. The headings contained in this Agreement are for reference purposes only and shall not affect in any way the meaning or interpretation of this Agreement. Whenever the words &#147;include&#148;,
&#147;includes&#148; or &#147;including&#148;, are used in this Agreement, they shall be deemed to be followed by the words &#147;without limitation&#148;. The phrases &#147;the date of this Agreement&#148;, &#147;the date hereof&#148;, and terms of
similar import, unless the context otherwise requires, shall be deemed to refer to October<U></U>&nbsp;24, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.4&nbsp;&nbsp;&nbsp;&nbsp;<I>Counterparts</I>. This Agreement may be executed in counterparts, which shall be considered one and the same
agreement, and shall become effective when counterparts have been signed by each of the parties and delivered to the other party, it being understood that both parties need not sign the same counterpart. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.5&nbsp;&nbsp;&nbsp;&nbsp;<I>Entire Agreement</I>. This Agreement (including the documents and the instruments referred to herein)
constitutes the entire agreement and supersedes all prior agreements and understandings, both written and oral, among the parties with respect to the subject matter hereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.6&nbsp;&nbsp;&nbsp;&nbsp;<I>Governing Law</I>. This Agreement shall be governed by the laws of the State of New York, without giving effect
to the principles of conflicts of laws thereof (other than Section<U></U><FONT STYLE="white-space:nowrap">&nbsp;5-1401</FONT> of the New York General Obligations Law). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">6.7&nbsp;&nbsp;&nbsp;&nbsp;<I>Assignment</I>. Neither this Agreement nor any of the rights, interests or obligations hereunder may be assigned
by any of the parties hereto (whether by operation of law or otherwise) and any attempted assignment in contravention of this <U>Section 6.7</U> shall be null and void. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[<I>Signature Page Follows</I>] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-89 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:9%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, Parent Bank and Company Bank have caused this Agreement to be signed by
their respective officers thereunto duly authorized as of the date set forth above. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">EMPIRE NATIONAL BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Douglas C. Manditch</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chairman and</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chief Executive Officer</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3">FLUSHING BANK</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">John R. Buran</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">President and</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Chief Executive Officer</TD></TR>
</TABLE></DIV> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:120pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:48pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[Signature Page to Agreement and Plan of Bank Merger] </I></P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">B-90 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_97"></A>ANNEX C&#151;AMENDMENT NO. 1 TO AGREEMENT AND PLAN OF MERGER
</B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AMENDMENT NO. 1 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TO </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AGREEMENT AND PLAN OF
MERGER </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This AMENDMENT NO. 1 (this &#147;<U>Amendment</U>&#148;) to that certain Agreement and Plan of Merger, dated as of
October&nbsp;24, 2019 (the &#147;<U>Agreement</U>&#148;), by and among<B> </B>EMPIRE BANCORP, INC., a New York corporation (the &#147;<U>Company</U>&#148;), LIGHTHOUSE ACQUISITION CO., INC., a New York corporation and a special-purpose, wholly owned
subsidiary of Parent (the &#147;<U>Merger Sub</U>&#148;), and FLUSHING FINANCIAL CORPORATION, a Delaware corporation (&#147;<U>Parent</U>&#148; and, collectively with the Company and the Merger Sub, the &#147;<U>Parties</U>&#148;) is made and
entered into by the Parties as of December&nbsp;6, 2019. Capitalized terms used but not defined herein have the meanings ascribed to such terms in the Agreement. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>RECITALS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the
Parties entered into the Agreement on October&nbsp;24, 2019. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, <U>Section</U><U></U><U>&nbsp;9.2</U> of the Agreement provides
that the Parties may amend the Agreement pursuant to an instrument in writing signed by the Parties. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">WHEREAS, the Parties desire to amend
the Agreement to correct a technical error. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">NOW, THEREFORE, in consideration of the mutual covenants contained in this Amendment, and for
other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, and intending to be legally bound hereby, the Parties hereby agree as follows: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1 &nbsp;&nbsp;&nbsp;&nbsp;<U>Amendment of Section</U><U></U><U>&nbsp;2.1(h)</U>. Section&nbsp;2.1(h) of the Agreement is hereby amended and restated in its
entirety to read as follows: </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Notwithstanding any other provision contained in this Agreement, the total number of shares of Company
Common Stock that will be converted into the right to receive the Per Share Cash Consideration pursuant to <U>Section</U><U></U><U>&nbsp;1.5</U> (which, for this purpose, shall be deemed to include the Dissenting Shares) shall equal the sum of (i)
3,837,990 shares of Company Common Stock and (ii)&nbsp;the product of (A) 0.5 multiplied by and (B)&nbsp;the number of shares of Company Common Stock that are issued, from and after the date of this Agreement and prior to the Effective Time,
pursuant to the exercise of Company Stock Options and Company Warrants outstanding as of the date of this Agreement (such number of shares of Company Common Stock, the &#147;<U>Target Cash Conversion Number</U>&#148;).&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">2&nbsp;&nbsp;&nbsp;&nbsp; <U>General</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;Except as expressly amended hereby, the Agreement is in all respects ratified and confirmed, and all the terms,
conditions and provisions of the Agreement shall remain in full force and effect in accordance with the terms thereof. This Amendment is limited precisely as written and shall not be deemed to be an amendment to any other term or condition of the
Agreement or any of the documents referred to therein. This Amendment shall form a part of the Agreement for all purposes, and each party thereto and hereto shall be bound hereby. From and after the execution of this Amendment by the Parties hereto,
all references in the Agreement to &#147;this Agreement&#148; shall be deemed to refer to the Agreement as amended by this Amendment. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp;This Amendment may be executed in two or more counterparts (including by facsimile or other electronic means), all
of which shall be considered one and the same agreement and shall become effective when counterparts have been signed by each of the parties and delivered to the other party, it being understood that each party need not sign the same counterpart.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;The provisions of Article IX (General Provisions) of the
Agreement shall apply <I>mutatis mutandis</I> to this Amendment, and to the Agreement as modified by this Amendment, taken together as a single agreement, reflecting the terms therein as modified hereby. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>[ The remainder of this page is intentionally left blank. ] </I></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">IN WITNESS WHEREOF, this Amendment has been duly executed and delivered by the duly
authorized officers of the Parties as of the date first above written. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="79%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EMPIRE BANCORP, INC.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Douglas C. Manditch</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Douglas C. Manditch</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chairman of the Board,</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chief Executive Officer and Secretary</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FLUSHING FINANCIAL CORPORATION</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16" COLSPAN="5"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="5"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LIGHTHOUSE ACQUISITION CO., INC.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">By:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President</P></TD></TR>
</TABLE></DIV> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">[Signature Page to Amendment to Agreement and Plan of Merger] </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">C-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_97a"></A>ANNEX D - OPINION OF PIPER SANDLER &amp; CO. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="49%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ROWSPAN="5">


<IMG SRC="g922344g68g85.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">1251 AVENUE OF THE AMERICAS, 6<SUP STYLE="font-size:85%; vertical-align:top">TH </SUP>FLOOR&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">NEW YORK, NY 10020&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt"><B>P </B>212 <FONT STYLE="white-space:nowrap">466-7800</FONT> | <B>TF </B>800 <FONT STYLE="white-space:nowrap">635-6851&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">Piper Sandler&nbsp;&amp; Co. Since 1895.&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">Member SIPC and NYSE.&nbsp;&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">August&nbsp;11, 2020 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Board of Directors </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Empire Bancorp, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1707 Veterans Highway, Suite 8 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Islandia, NY 11749 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Empire Bancorp, Inc.
(&#147;Company&#148;), Lighthouse Acquisition Co., Inc., a special-purpose, wholly owned subsidiary of Parent (&#147;Merger Sub&#148;), and Flushing Financial Corporation (&#147;Parent&#148;) entered into an Agreement and Plan of Merger, dated as of
October&nbsp;24, 2019 (the &#147;Merger Agreement&#148;), as amended by Amendment No.&nbsp;1 to the Merger Agreement, dated as of December 6, 2019 (&#147;Amendment No.&nbsp;1&#148;), and are proposing to enter into Amendment No.&nbsp;2 to the Merger
Agreement (&#147;Amendment No.&nbsp;2&#148; and together with the Merger Agreement and Amendment No.&nbsp;1, the &#147;Agreement&#148;). Pursuant to the Agreement, (i)&nbsp;Merger Sub will, subject to the terms and conditions set forth in the
Agreement, merge with and into Company (the &#147;First-Step Merger&#148;), so that Company is the surviving corporation in the First-Step Merger and a wholly owned subsidiary of Parent, and (ii)&nbsp;immediately thereafter, Company, as the
surviving corporation in the First-Step Merger, will merge with and into Parent (the &#147;Second-Step Merger&#148; and, together with the First-Step Merger, the &#147;Merger&#148;), with Parent being the surviving corporation. Pursuant to the terms
of the Agreement, at the Effective Time, each share of the voting common stock, par value $0.01 per share, of Company (&#147;Company Voting Common Stock&#148;) issued and outstanding immediately prior to the Effective Time and the <FONT
STYLE="white-space:nowrap">non-voting</FONT> common stock, par value $0.01 per share, of Company issued and outstanding immediately prior to the Effective Time (&#147;Company <FONT STYLE="white-space:nowrap">Non-Voting</FONT> Common Stock&#148; and,
together with the Company Voting Common Stock, &#147;Company Common Stock&#148;), excluding certain shares of Company Common Stock as specified in the Agreement, will be converted, in accordance with and subject to the election, allocation and
proration procedures set forth in the Agreement, into the right to receive the following, without interest: (i)&nbsp;for each share of Company Common Stock with respect to which a Cash Election has been effectively made and not revoked or deemed
revoked pursuant to the Agreement, an amount in cash equal to $14.04 (the &#147;Per Share Cash Consideration&#148;); or (ii)&nbsp;for each share of Company Common Stock with respect to which a Stock Election has been effectively made and not revoked
or deemed revoked pursuant to the Agreement, a number of validly issued, fully paid and non-assessable shares of Parent common stock, par value $0.01 per share (&#147;Parent Common Stock&#148;), equal to 0.6548 (such number of shares of Parent
Common Stock, the &#147;Per Share Stock Consideration&#148;). The Agreement provides, generally, that fifty percent (50%) of the total number of shares of Company Common Stock shall be converted into the Per Share Stock Consideration and fifty
percent (50%) of such shares of Company Common Stock shall be converted into the Per Share Cash Consideration in accordance with the election and allocation procedures set forth in the Agreement. The Per Share Cash Consideration and the Per Share
Stock Consideration are collectively referred to herein as the &#147;Merger Consideration.&#148; Capitalized terms used herein without definition shall have the meanings assigned to them in the Agreement. The terms and conditions of the Merger are
more fully set forth in the Agreement. You have requested our opinion as to the fairness, from a financial point of view, of the Merger Consideration to the holders of Company Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Piper Sandler&nbsp;&amp; Co. (&#147;Piper Sandler&#148;, &#147;we&#148; or &#147;our&#148;), as part of its investment banking business, is
regularly engaged in the valuation of financial institutions and their securities in connection with mergers and acquisitions and other corporate transactions. In connection with this opinion, we have reviewed and considered, among other things:
(i)&nbsp;the Merger Agreement, Amendment No.&nbsp;1 and a draft of Amendment No.&nbsp;2, dated as of </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
August&nbsp;4, 2020; (ii) certain publicly available financial statements and other historical financial information of Company and its banking subsidiary that we deemed relevant;
(iii)&nbsp;certain publicly available financial statements and other historical financial information of Parent that we deemed relevant; (iv)&nbsp;certain internal financial projections for Company for the years ending December&nbsp;31, 2020 through
December&nbsp;31, 2022, as provided by the senior management of Company, as well as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December&nbsp;31, 2023 and December&nbsp;31, 2024, as confirmed by
the senior management of Company; (v)&nbsp;publicly available analyst earnings per share estimates for Parent for the years ending December&nbsp;31, 2020 and December&nbsp;31, 2021; (vi) internal earnings per share estimates for Parent for the years
ending December&nbsp;31, 2020 and December&nbsp;31, 2021, as provided by the senior management of Parent, as well as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December&nbsp;31, 2022 through
December&nbsp;31, 2024, as confirmed by the senior management of Parent, and estimated dividends per share for Parent for the years ending December&nbsp;31, 2020 through December&nbsp;31, 2024, as provided by the senior management of Parent;
(vii)&nbsp;the pro forma financial impact of the Merger on Parent based on certain assumptions relating to purchase accounting adjustments, transaction expenses, cost savings and certain adjustments for current expected credit loss (CECL) accounting
standards, as provided by the senior management of Parent and its representatives; (viii)&nbsp;the publicly reported historical price and trading activity for Company Common Stock and Parent Common Stock, including a comparison of certain stock
market information for Company Common Stock and Parent Common Stock and certain stock indices as well as publicly available information for certain other similar companies, the securities of which are publicly traded; (ix)&nbsp;a comparison of
certain financial information for Company and Parent with similar financial institutions for which information is publicly available; (x)&nbsp;the financial terms of certain recent and pending business combinations in the bank and thrift industry
(on a regional and nationwide basis), to the extent publicly available; (xi)&nbsp;the current market environment generally and the banking environment in particular; and (xii)&nbsp;such other information, financial studies, analyses and
investigations and financial, economic and market criteria as we considered relevant. We also discussed with certain members of the senior management of Company the business, financial condition, results of operations and prospects of Company and
held similar discussions with certain members of the senior management of Parent and its representatives regarding the business, financial condition, results of operations and prospects of Parent. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In performing our review, we have relied upon the accuracy and completeness of all of the financial and other information that was available
to and reviewed by us from public sources, that was provided to us by Company or Parent, or their respective representatives, or that was otherwise reviewed by us, and we have assumed such accuracy and completeness for purposes of rendering this
opinion without any independent verification or investigation. We further have relied on the assurances of the respective senior managements of Company and Parent that they are not aware of any facts or circumstances that would make any of such
information inaccurate or misleading. We have not been asked to undertake, and have not undertaken, an independent verification of any of such information and we do not assume any responsibility or liability for the accuracy or completeness thereof.
We did not make an independent evaluation or perform an appraisal of the specific assets, the collateral securing assets or the liabilities (contingent or otherwise) of Company or Parent or any of their respective subsidiaries, nor have we been
furnished with any such evaluations or appraisals. We render no opinion or evaluation on the collectability of any assets or the future performance of any loans of Company or Parent or any of their respective subsidiaries. We did not make an
independent evaluation of the adequacy of the allowance for loan losses of Company, Parent, any of their respective subsidiaries, or of the combined entity after the Merger, and we have not reviewed any individual credit files relating to Company,
Parent or any of their respective subsidiaries. We have assumed, with your consent, that the respective allowances for loan losses for Company, Parent and their respective subsidiaries are adequate to cover such losses and will be adequate on a pro
forma basis for the combined entity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In preparing its analyses, Piper Sandler used certain internal financial projections for Company for
the years ending December&nbsp;31, 2020 through December&nbsp;31, 2022, as provided by the senior management of Company, as well as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December&nbsp;31,
2023 and December&nbsp;31, 2024, as confirmed by the senior management of Company. In addition, </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
Piper Sandler used internal earnings per share estimates for Parent for the years ending December&nbsp;31, 2020 and December&nbsp;31, 2021, as provided by the senior management of Parent, as well
as estimated long-term annual earnings per share and balance sheet growth rates for the years ending December&nbsp;31, 2022 through December&nbsp;31, 2024, as confirmed by the senior management of Parent, and estimated dividends per share for Parent
for the years ending December&nbsp;31, 2020 through December&nbsp;31, 2024, as provided by the senior management of Parent. Piper Sandler also received and used in its pro forma analysis certain assumptions relating to purchase accounting
adjustments, transaction expenses, cost savings and certain adjustments for CECL accounting standards, as provided by the senior management of Parent and its representatives. With respect to the foregoing information, the respective senior
managements of Company and Parent confirmed to us that such information reflected the best currently available projections, estimates and judgments of those respective senior managements as to the future financial performance of Company and Parent,
respectively, and the other matters covered thereby. We express no opinion as to such information, or the assumptions on which such information is based. We have also assumed that there has been no material change in the respective assets, financial
condition, results of operations, business or prospects of Company or Parent since the date of the most recent financial statements made available to us. We have assumed in all respects material to our analyses that Company and Parent will remain as
going concerns for all periods relevant to our analyses. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have also assumed, with your consent, that (i)&nbsp;each of the parties to
the Agreement will comply in all material respects with all material terms and conditions of the Agreement and all related agreements, that all of the representations and warranties contained in such agreements are true and correct in all material
respects, that each of the parties to such agreements will perform in all material respects all of the covenants and other obligations required to be performed by such party under such agreements and that the conditions precedent in such agreements
are not and will not be waived, (ii)&nbsp;in the course of obtaining the necessary regulatory or third party approvals, consents and releases with respect to the Merger, no delay, limitation, restriction or condition will be imposed that would have
an adverse effect on Company, Parent, the Merger or any related transactions, and (iii)&nbsp;the Merger and any related transactions will be consummated in accordance with the terms of the Agreement without any waiver, modification or amendment of
any material term, condition or agreement thereof and in compliance with all applicable laws and other requirements. Finally, with your consent, we have relied upon the advice that Company has received from its legal, accounting and tax advisors as
to all legal, accounting and tax matters relating to the Merger and the other transactions contemplated by the Agreement. We express no opinion as to any such matters. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our opinion is necessarily based on financial, regulatory, economic, market and other conditions as in effect on, and the information made
available to us as of, the date hereof. Events occurring after the date hereof could materially affect this opinion. We have not undertaken to update, revise, reaffirm or withdraw this opinion or otherwise comment upon events occurring after the
date hereof. We express no opinion as to the trading values of Company Common Stock or Parent Common Stock at any time or what the value of Parent Common Stock will be once it is actually received by the holders of Company Common Stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have acted as Company&#146;s financial advisor in connection with the Merger and will receive a fee for our services, which fee is
contingent upon closing of the Merger. Piper Sandler received a fee of $250,000 for rendering an opinion in connection with the Merger, which fee will be credited in full towards the transaction fee becoming payable to Piper Sandler upon closing of
the Merger. Piper Sandler will also receive a fee for rendering this opinion. Company has also agreed to indemnify us against certain claims and liabilities arising out of our engagement and to reimburse us for certain of our <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">out-of-pocket</FONT></FONT> expenses incurred in connection with our engagement. In connection with our engagement, we were not asked to, and did not, solicit indications of interest in a
potential transaction with Company from other parties. We have not provided any other investment banking services to Company in the two years preceding the date hereof. Piper Sandler did not provide any investment banking services to Parent in the
two years preceding the date hereof. In the ordinary course of our business as a broker-dealer, we may purchase securities from and sell securities to Company, Parent and their respective affiliates. We may also actively trade the equity and debt
securities of Company, Parent and their respective affiliates for our own account and for the accounts of our customers. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our opinion is directed to the Board of Directors of Company in connection with its
consideration of the Agreement and the Merger and does not constitute a recommendation to any shareholder of Company as to how any such shareholder should vote at any meeting of shareholders called to consider and vote upon the approval of the
Agreement and the Merger. Our opinion is directed only to the fairness, from a financial point of view, of the Merger Consideration to the holders of Company Common Stock and does not address the underlying business decision of Company to engage in
the Merger, the form or structure of the Merger or any other transactions contemplated in the Agreement, the relative merits of the Merger as compared to any other alternative transactions or business strategies that might exist for Company or the
effect of any other transaction in which Company might engage. We also do not express any opinion as to the fairness of the amount or nature of the compensation to be received in the Merger by any officer, director or employee of Company or Parent,
or any class of such persons, if any, relative to the compensation to be received in the Merger by any other shareholder. This opinion has been approved by Piper Sandler&#146;s fairness opinion committee. This opinion shall not be reproduced without
Piper Sandler&#146;s prior written consent; <I>provided,</I> however, Piper Sandler will provide its consent for the opinion to be included in regulatory filings to be completed in connection with the Merger. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based upon and subject to the foregoing, it is our opinion that, as of the date hereof, the Merger Consideration is fair to the holders of
Company Common Stock from a financial point of view. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:55%; text-indent:-2%; font-size:10pt; font-family:Times New Roman">Very truly yours, </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt; margin-left:55%; text-indent:-2%">


<IMG SRC="g922344g76r94.jpg" ALT="LOGO">
 </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">D-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="rom922344_98"></A>ANNEX E&#151;SECTIONS&nbsp;623 AND 910 OF THE NEW YORK BUSINESS
CORPORATIONS LAW </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Sections 623 and 910 of the New York Business Corporations Law (Dissenters&#146; Rights) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York Consolidated Laws, Business Corporation Law&#151;BSC &#167; 623. Procedure to enforce shareholder&#146;s right to receive payment for shares. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) A shareholder intending to enforce his right under a section of this chapter to receive payment for his shares if the proposed corporate action referred
to therein is taken shall file with the corporation, before the meeting of shareholders at which the action is submitted to a vote, or at such meeting but before the vote, written objection to the action. The objection shall include a notice of his
election to dissent, his name and residence address, the number and classes of shares as to which he dissents and a demand for payment of the fair value of his shares if the action is taken. Such objection is not required from any shareholder to
whom the corporation did not give notice of such meeting in accordance with this chapter or where the proposed action is authorized by written consent of shareholders without a meeting. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) Within ten days after the shareholders&#146; authorization date, which term as used in this section means the date on which the shareholders&#146; vote
authorizing such action was taken, or the date on which such consent without a meeting was obtained from the requisite shareholders, the corporation shall give written notice of such authorization or consent by registered mail to each shareholder
who filed written objection or from whom written objection was not required, excepting any shareholder who voted for or consented in writing to the proposed action and who thereby is deemed to have elected not to enforce his right to receive payment
for his shares. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) Within twenty days after the giving of notice to him, any shareholder from whom written objection was not required and who elects to
dissent shall file with the corporation a written notice of such election, stating his name and residence address, the number and classes of shares as to which he dissents and a demand for payment of the fair value of his shares. Any shareholder who
elects to dissent from a merger under <U>section 905</U> (Merger of subsidiary corporation) or <U>paragraph (c)</U><U>&nbsp;of section 907</U> (Merger or consolidation of domestic and foreign corporations) or from a share exchange under <U>paragraph
(g)</U><U></U><U>&nbsp;of section 913</U> (Share exchanges) shall file a written notice of such election to dissent within twenty days after the giving to him of a copy of the plan of merger or exchange or an outline of the material features thereof
under <U>section 905</U> or <U>913</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) A shareholder may not dissent as to less than all of the shares, as to which he has a right to dissent, held
by him of record, that he owns beneficially. A nominee or fiduciary may not dissent on behalf of any beneficial owner as to less than all of the shares of such owner, as to which such nominee or fiduciary has a right to dissent, held of record by
such nominee or fiduciary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(e) Upon consummation of the corporate action, the shareholder shall cease to have any of the rights of a shareholder except
the right to be paid the fair value of his shares and any other rights under this section. A notice of election may be withdrawn by the shareholder at any time prior to his acceptance in writing of an offer made by the corporation, as provided in
paragraph (g), but in no case later than sixty days from the date of consummation of the corporate action except that if the corporation fails to make a timely offer, as provided in paragraph (g), the time for withdrawing a notice of election shall
be extended until sixty days from the date an offer is made. Upon expiration of such time, withdrawal of a notice of election shall require the written consent of the corporation. In order to be effective, withdrawal of a notice of election must be
accompanied by the return to the corporation of any advance payment made to the shareholder as provided in paragraph (g). If a notice of election is withdrawn, or the corporate action is rescinded, or a court shall determine that the shareholder is
not entitled to receive payment for his shares, or the shareholder shall otherwise lose his dissenters&#146; rights, he shall not have the right to receive payment for his shares and he shall be reinstated to all his rights as a shareholder as of
the consummation of the corporate action, including any intervening preemptive rights and the right to payment of any intervening dividend or other distribution or, if any such rights have expired or any such dividend or distribution other than in
cash has been completed, in lieu thereof, at the election of the corporation, the fair value thereof in cash as determined by the board as of the time of such expiration or completion, but without prejudice otherwise to any corporate proceedings
that may have been taken in the interim. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(f) At the time of filing the notice of election to dissent or within one month thereafter the shareholder
of shares represented by certificates shall submit the certificates representing his shares to the corporation, or to its transfer agent, which shall forthwith note conspicuously thereon that a notice of election has been filed and shall return the
certificates to the shareholder or other person who submitted them on his behalf. Any shareholder of shares represented by certificates who fails to submit his certificates for such notation as herein specified shall, at the option of the
corporation exercised by written notice to him within forty-five days from the date of filing of such notice of election to dissent, lose his dissenter&#146;s rights unless a court, for good cause shown, shall otherwise direct. Upon transfer of a
certificate bearing such notation, each new certificate issued therefor shall bear a similar notation together with the name of the original dissenting holder of the shares and a transferee shall acquire no rights in the corporation except those
which the original dissenting shareholder had at the time of transfer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(g) Within fifteen days after the expiration of the period within which
shareholders may file their notices of election to dissent, or within fifteen days after the proposed corporate action is consummated, whichever is later (but in no case later than ninety days from the shareholders&#146; authorization date), the
corporation or, in the case of a merger or consolidation, the surviving or new corporation, shall make a written offer by registered mail to each shareholder who has filed such notice of election to pay for his shares at a specified price which the
corporation considers to be their fair value. Such offer shall be accompanied by a statement setting forth the aggregate number of shares with respect to which notices of election to dissent have been received and the aggregate number of holders of
such shares. If the corporate action has been consummated, such offer shall also be accompanied by (1)&nbsp;advance payment to each such shareholder who has submitted the certificates representing his shares to the corporation, as provided in
paragraph (f), of an amount equal to eighty percent of the amount of such offer, or (2)&nbsp;as to each shareholder who has not yet submitted his certificates a statement that advance payment to him of an amount equal to eighty percent of the amount
of such offer will be made by the corporation promptly upon submission of his certificates. If the corporate action has not been consummated at the time of the making of the offer, such advance payment or statement as to advance payment shall be
sent to each shareholder entitled thereto forthwith upon consummation of the corporate action. Every advance payment or statement as to advance payment shall include advice to the shareholder to the effect that acceptance of such payment does not
constitute a waiver of any dissenters&#146; rights. If the corporate action has not been consummated upon the expiration of the ninety day period after the shareholders&#146; authorization date, the offer may be conditioned upon the consummation of
such action. Such offer shall be made at the same price per share to all dissenting shareholders of the same class, or if divided into series, of the same series and shall be accompanied by a balance sheet of the corporation whose shares the
dissenting shareholder holds as of the latest available date, which shall not be earlier than twelve months before the making of such offer, and a profit and loss statement or statements for not less than a twelve month period ended on the date of
such balance sheet or, if the corporation was not in existence throughout such twelve month period, for the portion thereof during which it was in existence. Notwithstanding the foregoing, the corporation shall not be required to furnish a balance
sheet or profit and loss statement or statements to any shareholder to whom such balance sheet or profit and loss statement or statements were previously furnished, nor if in connection with obtaining the shareholders&#146; authorization for or
consent to the proposed corporate action the shareholders were furnished with a proxy or information statement, which included financial statements, pursuant to Regulation 14A or Regulation 14C of the United States Securities and Exchange
Commission. If within thirty days after the making of such offer, the corporation making the offer and any shareholder agree upon the price to be paid for his shares, payment therefor shall be made within sixty days after the making of such offer or
the consummation of the proposed corporate action, whichever is later, upon the surrender of the certificates for any such shares represented by certificates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(h) The following procedure shall apply if the corporation fails to make such offer within such period of fifteen days, or if it makes the offer and any
dissenting shareholder or shareholders fail to agree with it within the period of thirty days thereafter upon the price to be paid for their shares: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(1)
The corporation shall, within twenty days after the expiration of whichever is applicable of the two periods last mentioned, institute a special proceeding in the supreme court in the judicial district in which the office of
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
the corporation is located to determine the rights of dissenting shareholders and to fix the fair value of their shares. If, in the case of merger or consolidation, the surviving or new
corporation is a foreign corporation without an office in this state, such proceeding shall be brought in the county where the office of the domestic corporation, whose shares are to be valued, was located. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(2) If the corporation fails to institute such proceeding within such period of twenty days, any dissenting shareholder may institute such proceeding for the
same purpose not later than thirty days after the expiration of such twenty day period. If such proceeding is not instituted within such thirty day period, all dissenter&#146;s rights shall be lost unless the supreme court, for good cause shown,
shall otherwise direct. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(3) All dissenting shareholders, excepting those who, as provided in paragraph (g), have agreed with the corporation upon the
price to be paid for their shares, shall be made parties to such proceeding, which shall have the effect of an action quasi in rem against their shares. The corporation shall serve a copy of the petition in such proceeding upon each dissenting
shareholder who is a resident of this state in the manner provided by law for the service of a summons, and upon each nonresident dissenting shareholder either by registered mail and publication, or in such other manner as is permitted by law. The
jurisdiction of the court shall be plenary and exclusive. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(4) The court shall determine whether each dissenting shareholder, as to whom the corporation
requests the court to make such determination, is entitled to receive payment for his shares. If the corporation does not request any such determination or if the court finds that any dissenting shareholder is so entitled, it shall proceed to fix
the value of the shares, which, for the purposes of this section, shall be the fair value as of the close of business on the day prior to the shareholders&#146; authorization date. In fixing the fair value of the shares, the court shall consider the
nature of the transaction giving rise to the shareholder&#146;s right to receive payment for shares and its effects on the corporation and its shareholders, the concepts and methods then customary in the relevant securities and financial markets for
determining fair value of shares of a corporation engaging in a similar transaction under comparable circumstances and all other relevant factors. The court shall determine the fair value of the shares without a jury and without referral to an
appraiser or referee. Upon application by the corporation or by any shareholder who is a party to the proceeding, the court may, in its discretion, permit pretrial disclosure, including, but not limited to, disclosure of any expert&#146;s reports
relating to the fair value of the shares whether or not intended for use at the trial in the proceeding and notwithstanding <U>subdivision (d)</U><U></U><U>&nbsp;of section 3101 of the civil practice law and rules</U>. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(5) The final order in the proceeding shall be entered against the corporation in favor of each dissenting shareholder who is a party to the proceeding and is
entitled thereto for the value of his shares so determined. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(6) The final order shall include an allowance for interest at such rate as the court finds
to be equitable, from the date the corporate action was consummated to the date of payment. In determining the rate of interest, the court shall consider all relevant factors, including the rate of interest which the corporation would have had to
pay to borrow money during the pendency of the proceeding. If the court finds that the refusal of any shareholder to accept the corporate offer of payment for his shares was arbitrary, vexatious or otherwise not in good faith, no interest shall be
allowed to him. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(7) Each party to such proceeding shall bear its own costs and expenses, including the fees and expenses of its counsel and of any
experts employed by it. Notwithstanding the foregoing, the court may, in its discretion, apportion and assess all or any part of the costs, expenses and fees incurred by the corporation against any or all of the dissenting shareholders who are
parties to the proceeding, including any who have withdrawn their notices of election as provided in paragraph (e), if the court finds that their refusal to accept the corporate offer was arbitrary, vexatious or otherwise not in good faith. The
court may, in its discretion, apportion and assess all or any part of the costs, expenses and fees incurred by any or all of the dissenting shareholders who are parties to the proceeding against the corporation if the court finds any of the
following: (A)&nbsp;that the fair value of the shares as determined materially exceeds the amount which the corporation offered to pay; (B)&nbsp;that no offer or required </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
advance payment was made by the corporation; (C)&nbsp;that the corporation failed to institute the special proceeding within the period specified therefor; or (D)&nbsp;that the action of the
corporation in complying with its obligations as provided in this section was arbitrary, vexatious or otherwise not in good faith. In making any determination as provided in clause (A), the court may consider the dollar amount or the percentage, or
both, by which the fair value of the shares as determined exceeds the corporate offer. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(8) Within sixty days after final determination of the proceeding,
the corporation shall pay to each dissenting shareholder the amount found to be due him, upon surrender of the certificates for any such shares represented by certificates. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(i) Shares acquired by the corporation upon the payment of the agreed value therefor or of the amount due under the final order, as provided in this section,
shall become treasury shares or be cancelled as provided in <U>section</U><U></U><U>&nbsp;515</U> (Reacquired shares), except that, in the case of a merger or consolidation, they may be held and disposed of as the plan of merger or consolidation may
otherwise provide. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(j) No payment shall be made to a dissenting shareholder under this section at a time when the corporation is insolvent or when such
payment would make it insolvent. In such event, the dissenting shareholder shall, at his option: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(1) Withdraw his notice of election, which shall in such
event be deemed withdrawn with the written consent of the corporation; or </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(2) Retain his status as a claimant against the corporation and, if it is
liquidated, be subordinated to the rights of creditors of the corporation, but have rights superior to the <FONT STYLE="white-space:nowrap">non-dissenting</FONT> shareholders, and if it is not liquidated, retain his right to be paid for his shares,
which right the corporation shall be obliged to satisfy when the restrictions of this paragraph do not apply. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(3) The dissenting shareholder shall
exercise such option under subparagraph (1)&nbsp;or (2)&nbsp;by written notice filed with the corporation within thirty days after the corporation has given him written notice that payment for his shares cannot be made because of the restrictions of
this paragraph. If the dissenting shareholder fails to exercise such option as provided, the corporation shall exercise the option by written notice given to him within twenty days after the expiration of such period of thirty days. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(k) The enforcement by a shareholder of his right to receive payment for his shares in the manner provided herein shall exclude the enforcement by such
shareholder of any other right to which he might otherwise be entitled by virtue of share ownership, except as provided in paragraph (e), and except that this section shall not exclude the right of such shareholder to bring or maintain an
appropriate action to obtain relief on the ground that such corporate action will be or is unlawful or fraudulent as to him. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(l) Except as otherwise
expressly provided in this section, any notice to be given by a corporation to a shareholder under this section shall be given in the manner provided in <U>section</U><U></U><U>&nbsp;605</U> (Notice of meetings of shareholders). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(m) This section shall not apply to foreign corporations except as provided in <U>subparagraph (e)(2) of section 907</U> (Merger or consolidation of domestic
and foreign corporations). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York Consolidated Laws, Business Corporation Law&#151;BSC &#167; 910. Right of shareholder to receive payment for shares
upon merger or consolidation, or sale, lease, exchange or other disposition of assets, or share exchange </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) A shareholder of a domestic corporation
shall, subject to and by complying with <U>section 623</U> (Procedure to enforce shareholder&#146;s right to receive payment for shares), have the right to receive payment of the fair value of his shares and the other rights and benefits provided by
such section, in the following cases: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(1) Any shareholder entitled to vote who does not assent to the taking of an action specified in clauses (A), (B)
and (C). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(A) Any plan of merger or consolidation to which the corporation is a party; except that the right to
receive payment of the fair value of his shares shall not be available: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(i) To a shareholder of the parent corporation in a merger authorized by
<U>section 905</U> (Merger of parent and subsidiary corporations), or <U>paragraph (c)</U><U></U><U>&nbsp;of section 907</U> (Merger or consolidation of domestic and foreign corporations); or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(ii) To a shareholder of the surviving corporation in a merger authorized by this article, other than a merger specified in subclause (i), unless such merger
effects one or more of the changes specified in <U>subparagraph</U> <U>(b)&nbsp;(6) of section 806</U> (Provisions as to certain proceedings) in the rights of the shares held by such shareholder; or </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(iii) Notwithstanding subclause (ii)&nbsp;of this clause, to a shareholder for the shares of any class or series of stock, which shares or depository receipts
in respect thereof, at the record date fixed to determine the shareholders entitled to receive notice of the meeting of shareholders to vote upon the plan of merger or consolidation, were listed on a national securities exchange or designated as a
national market system security on an interdealer quotation system by the National Association of Securities Dealers, Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(B) Any sale, lease, exchange
or other disposition of all or substantially all of the assets of a corporation which requires shareholder approval under <U>section 909</U> (Sale, lease, exchange or other disposition of assets) other than a transaction wholly for cash where the
shareholders&#146; approval thereof is conditioned upon the dissolution of the corporation and the distribution of substantially all of its net assets to the shareholders in accordance with their respective interests within one year after the date
of such transaction. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(C) Any share exchange authorized by <U>section 913</U> in which the corporation is participating as a subject corporation; except
that the right to receive payment of the fair value of his shares shall not be available to a shareholder whose shares have not been acquired in the exchange or to a shareholder for the shares of any class or series of stock, which shares or
depository receipt in respect thereof, at the record date fixed to determine the shareholders entitled to receive notice of the meeting of shareholders to vote upon the plan of exchange, were listed on a national securities exchange or designated as
a national market system security on an interdealer quotation system by the National Association of Securities Dealers, Inc. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(2) Any shareholder of the
subsidiary corporation in a merger authorized by <U>section 905</U> or <U>paragraph (c)</U> <U>of section 907</U>, or in a share exchange authorized by <U>paragraph (g)</U><U></U><U>&nbsp;of section 913</U>, who files with the corporation a written
notice of election to dissent as provided in <U>paragraph (c)</U><U></U><U>&nbsp;of section 623</U>. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(3) Any shareholder, not entitled to vote with
respect to a plan of merger or consolidation to which the corporation is a party, whose shares will be cancelled or exchanged in the merger or consolidation for cash or other consideration other than shares of the surviving or consolidated
corporation. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">E-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART II&#151;INFORMATION NOT REQUIRED IN PROSPECTUS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&nbsp;20.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>Indemnification of Directors and Officers.</I></B><B> </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The registrant is incorporated under the laws of the State of Delaware. The following is a general summary of Section&nbsp;145 of the General
Corporation Law of the State of Delaware (which we refer to as the &#147;DGCL&#148;) and of certain aspects of Flushing&#146;s governing documents dealing with indemnification of directors and officers. It does not purport to be complete. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to restrictions contained in the DGCL, a corporation may indemnify any person, who was or is a party or is threatened to be made a
party to any threatened, pending or completed action, suit or proceeding by reason of the fact that he is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director,
officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorney&#146;s fees), judgments, fines and amounts paid in settlement actually and reasonably incurred in
connection therewith if such person acted in good faith and in a manner such person reasonably believed to be in or not opposed to the best interests of the corporation, and, in connection with any criminal action or proceeding, had no reasonable
cause to believe that such person&#146;s conduct was unlawful. A present or former director or officer who is successful on the merits or otherwise in any suit or matter covered by the indemnification statute shall be indemnified and indemnification
is otherwise authorized upon a determination that the person to be indemnified has met the applicable standard of conduct required. Such determination shall be made by a majority vote of the board of directors who were not parties to such action,
suit or proceeding, even though less than a quorum, a committee of such directors designated by majority vote of such directors, even though less than a quorum, or if there are no such directors, or if such directors so direct, by special
independent counsel in a written opinion, or by the shareholders. Expenses incurred in defense may be paid in advance upon receipt by the corporation of a written undertaking by or on behalf of the recipient to repay such amount if it is ultimately
determined that the recipient is not entitled to indemnification under the statute. The indemnification provided by statute is not exclusive of any other rights to which those seeking indemnification may be entitled under any <FONT
STYLE="white-space:nowrap">by-law,</FONT> agreement, vote of shareholders or disinterested directors or otherwise, and shall inure to the benefit of the heirs, executors and administrators of such person. Insurance may be purchased on behalf of any
person entitled to indemnification by the corporation against any liability asserted against him or her and incurred in an official capacity regardless of whether the person could be indemnified under the statute. References to the corporation
include all constituent corporations absorbed in a consolidation or merger as well as the resulting corporation, and anyone seeking indemnification by virtue of acting in some capacity with a constituent corporation would stand in the same position
as if such person had served the resulting or surviving corporation in the same capacity. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Article TENTH of the Certificate of
Incorporation of Flushing Financial Corporation (the &#147;Corporation&#148;) sets forth circumstances under which directors, officers, employees and agents of the Corporation may be insured or indemnified against liability which they incur in their
capacities as such: </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><I>TENTH. </I></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) No director of the Corporation shall be personally liable to the Corporation or its stockholders for monetary damages for breach of
fiduciary duty as a director, except for liability (i)&nbsp;for any breach of the director&#146;s duty of loyalty to the Corporation or its stockholders, (ii)&nbsp;for acts or omissions not in good faith or which involve intentional misconduct or a
knowing violation of law, (iii)&nbsp;under Section&nbsp;174 of the Delaware General Corporation Law, or (iv)&nbsp;for any transaction from which the director derived an improper personal benefit. If the Delaware General Corporation Law is amended
after the date of this Certificate of Incorporation to authorize corporate action further eliminating or limiting the personal liability of directors, then the liability of a director of the Corporation shall be eliminated or limited to the fullest
extent permitted by the Delaware General Corporation law, as so amended. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) The Corporation shall indemnify to the fullest extent
permitted by the laws of the State of Delaware as from time to time in effect any person who was or is a party or is threatened to be made a party to, or otherwise </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-1 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
requires representation by counsel in connection with, any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, including an
action by or in the right of the Corporation (a &#147;Proceeding&#148;), by reason of the fact that such person is or was a director or officer of the Corporation, or, while serving as a director or officer of the Corporation, is or was serving, in
any capacity, at the request of the Corporation, any other corporation, partnership, joint venture, trust, association or other enterprise, including service with respect to an employee benefit plan, or by reason of any action alleged to have been
taken or omitted in such capacity, against judgments, fines, penalties, amounts paid in settlement, and expenses (including attorneys&#146; fees and expenses, expenses and cost of investigations, and expenses of enforcement of such person&#146;s
rights under this Article TENTH) incurred by such person in connection with such Proceeding; provided, however, that no such indemnification shall be required for amounts paid in any settlement or other nonadjudicated disposition of any Proceeding
unless the Board of Directors of the Corporation has given its prior consent to such settlement or disposition. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) The right to
indemnification conferred by this Article TENTH shall also include the right of such persons to be paid in advance by the Corporation for their expenses to the full extent permitted by the laws of the State of Delaware as from time to time in
effect. The right to indemnification conferred on such persons by this Article TENTH shall be a contract right and shall inure to the benefit of the indemnitee&#146;s heirs, executors and administrators. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(D) The Corporation may, to the extent authorized from time to time by the Board of Directors, indemnify to the fullest extent permitted by
the laws of the State of Delaware as from time to time in effect any person who was or is party or is threatened to be made a party to, or otherwise requires representation by counsel in connection with, any Proceeding, by reason of the fact that
such person is or was an employee (other than an officer) or agent of the Corporation, or is or was serving at the request of the Corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or
other enterprise, including service with respect to an employee benefit plan, or by reason of any action alleged to have been taken or omitted in such capacity. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The rights and authority conferred in this Article TENTH shall not be exclusive of any other right which any person may have or hereafter
acquire under any statute, provision of this Certificate of Incorporation or the <FONT STYLE="white-space:nowrap">By-Laws</FONT> of the Corporation, agreement, vote of stockholders or disinterested directors or otherwise. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding anything to the contrary contained in this Article TENTH, the Corporation shall not indemnify any person in connection with
any Proceeding initiated by such person against any other person or entity other than the Corporation or any Subsidiary unless such Proceeding was authorized by the Board of Directors of the Corporation. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither the amendment nor repeal of this Article TENTH, nor the adoption of any provision of the Certificate of Incorporation or <FONT
STYLE="white-space:nowrap">By-Laws</FONT> or of any statute inconsistent with this Article TENTH, shall eliminate or reduce the effect of this Article TENTH in respect of any acts or omissions occurring prior to such amendment, repeal or adoption of
an inconsistent provision. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The foregoing discussion is qualified in its entirety by reference to the detailed provisions of those
sections of the DGCL referenced above and to Flushing&#146;s governing documents. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-2 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&nbsp;21.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>Exhibits and Financial Statement Schedules.</I></B><B> </B></P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="91%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.1*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Agreement and Plan of Merger, dated as of October&nbsp;24, 2019, by and among Flushing Financial Corporation, Empire Bancorp, Inc. and Lighthouse Acquisition Co., Inc. (incorporated by reference to Exhibit 2.1 filed with Form 8-K
filed on October 28, 2019 and attached as Annex B to the proxy statement/prospectus contained in this registration statement)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.2*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 1 to the Agreement and Plan of Merger, dated as of December 6, 2019 (incorporated by reference to Exhibit 2.1 filed with Form 8-K filed on December 6, 2019 and attached as Annex&nbsp;C to the proxy statement/prospectus
contained in this registration statement)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.3*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amendment No. 2 to the Agreement and Plan of Merger, dated as of August 14, 2020 (incorporated by reference to Exhibit 2.1 filed with Form 8-K filed on August 17, 2020 and attached as Annex A to the proxy statement/prospectus
contained in this registration statement)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.1&nbsp;P</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibits filed with the Registration Statement on Form <FONT STYLE="white-space:nowrap">S-1</FONT> filed September&nbsp;1, 1995,
Registration <FONT STYLE="white-space:nowrap">No.&nbsp;33-96488)</FONT> (P)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 4.2 filed with Form <FONT STYLE="white-space:nowrap">S-8</FONT> filed May&nbsp;31, 2002)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 3.3 filed with Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31,
2011)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certificate of Designations of Series A Junior Participating Preferred Stock of Flushing Financial Corporation (incorporated by reference to Exhibit 3.3 filed with Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarter
ended September&nbsp;30, 2002)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certificate of Increase of Shares Designated as Series A Junior Participating Preferred Stock of Flushing Financial Corporation (incorporated by reference to Exhibit 3.1 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT>
filed September&nbsp;27, 2006)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Amended and Restated <FONT STYLE="white-space:nowrap">By-Laws</FONT> of Flushing Financial Corporation (incorporated by reference to Exhibit 3.6 filed with Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarter ended
June&nbsp;30, 2014)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Subordinated Indenture, dated as of December&nbsp;12, 2016, by and between the Company and Wilmington Trust, National Association, as Trustee (incorporated by reference to Exhibit 4.1 filed with Form
<FONT STYLE="white-space:nowrap">8-K</FONT> filed December&nbsp;12, 2016)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">First Supplemental Indenture, dated as of December&nbsp;12, 2016, by and between the Company and Wilmington Trust, National Association, as Trustee, including the form of the Notes attached as Exhibit A thereto (incorporated by
reference to Exhibit 4.2 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed December&nbsp;12, 2016)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Flushing Financial Corporation has outstanding certain long-term debt. None of such debt exceeds ten percent of Flushing Financial Corporation&#146;s total assets; therefore, copies of constituent instruments defining the rights of
the holders of such debt are not included as exhibits. Copies of instruments with respect to such long-term debt will be furnished to the Securities and Exchange Commission upon request.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;5.1**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Opinion of Arnold&nbsp;&amp; Porter Kaye Scholer LLP as to the validity of the securities being registered</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>8.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Opinion of Arnold &amp; Porter Kaye Scholer LLP relating to certain U.S. tax matters</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>8.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Opinion of Fenimore, Kay, Harrison &amp; Ford, LLP relating to certain U.S. tax matters</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Employment Agreement between Flushing Financial Corporation and Thomas&nbsp;M.&nbsp;Buonaiuto (incorporated by reference to Exhibit 10.1 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28,
2019)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consulting Agreement between Flushing Bank and Douglas C. Manditch (incorporated by reference to Exhibit 10.2 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28,
2019)</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-3 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD WIDTH="91%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of BDO USA, LLP, Independent Registered Public Accounting Firm of Flushing Financial Corporation</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.2**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Arnold&nbsp;&amp; Porter Kaye Scholer LLP (included in Exhibit&nbsp;5.1)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.4**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Douglas C. Manditch</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Arnold &amp; Porter Kaye Scholer LLP (included in Exhibit 8.1)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Fenimore, Kay, Harrison &amp; Ford, LLP (included in Exhibit 8.2)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>24.1**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Power of Attorney (included on signature page)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Voting Agreement with each director of Empire Bancorp, Inc. (incorporated by reference to Exhibit 99.1 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28, 2019)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Voting Agreement with Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. (incorporated by reference to Exhibit 99.2 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28,
2019)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Empire Bancorp, Inc. proxy</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Consent of Piper Sandler &amp; Co.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Form of Election Form and Letter of Transmittal</TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Annexes, schedules and exhibits have been omitted pursuant to Item 601(b)(2) of Regulation <FONT
STYLE="white-space:nowrap">S-K.</FONT> Flushing agrees to furnish supplementally a copy of any omitted attachment to the Securities and Exchange Commission on a confidential basis upon request. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Previously filed. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(P)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Paper exhibits. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-4 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="10%" VALIGN="top" ALIGN="left"><B>Item&nbsp;22.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B></B><B><I>Undertakings</I></B><B>. </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(a) The undersigned registrant hereby undertakes: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(1) To file, during any period in which offers or sales are being made, a post&#150;effective amendment to this registration statement: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(i) To include any prospectus required by section 10(a)(3) of the Securities Act of 1933. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(ii) To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent
post&#150;effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement. Notwithstanding the foregoing, any increase or decrease in volume of
securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with
the Commission pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no more than a 20% change in the maximum aggregate offering price set forth in the &#147;Calculation of Registration Fee&#148; table in the
effective registration statement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(iii) To include any material information with respect to the plan of distribution not previously
disclosed in the registration statement or any material change to such information in the registration statement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(2) That, for the
purpose of determining any liability under the Securities Act of 1933, each such post&#150;effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that
time shall be deemed to be the initial bona fide offering thereof. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(3) To remove from registration by means of a post&#150;effective
amendment any of the securities being registered which remain unsold at the termination of the offering. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">(4) That, for the purpose of
determining any liability under the Securities Act of 1933 to any purchaser in the initial distribution of the securities, in a primary offering of securities of the undersigned registrant pursuant to this registration statement, regardless of the
underwriting method used to sell the securities to the purchaser, if the securities are offered or sold to such purchaser by means of any of the following communications, the undersigned registrant will be a seller to the purchaser and will be
considered to offer or sell such securities to such purchaser: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(i) Any preliminary prospectus or prospectus of the undersigned registrant
relating to the offering required to be filed pursuant to Rule 424; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(ii) Any free writing prospectus relating to the offering prepared by
or on behalf of the undersigned registrant or used or referred to by the undersigned registrant; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(iii) The portion of any other free
writing prospectus relating to the offering containing material information about the undersigned registrant or its securities provided by or on behalf of the undersigned registrant; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">(iv) Any other communication that is an offer in the offering made by the undersigned registrant to the purchaser. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(b) The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act of 1933, each filing of the
registrant&#146;s annual report pursuant to Section&nbsp;13(a) or Section&nbsp;15(d) of the Securities Exchange Act (and, where applicable, each filing of an employee benefit plan&#146;s annual report pursuant to Section&nbsp;15(d) of the Securities
Exchange Act) that is incorporated by reference in the registration statement shall be deemed to be a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the
initial bona fide offering thereof. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-5 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(c) The undersigned registrant hereby undertakes as follows: that prior to any public reoffering of the
securities registered hereunder through use of a prospectus which is a part of this registration statement, by any person or party who is deemed to be an underwriter within the meaning of Rule 145(c), the issuer undertakes that such reoffering
prospectus will contain the information called for by the applicable registration form with respect to <FONT STYLE="white-space:nowrap">re-offerings</FONT> by persons who may be deemed underwriters, in addition to the information called for by the
other items of the applicable form. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(d) The registrant undertakes that every prospectus: (i)&nbsp;that is filed pursuant to paragraph
(c)&nbsp;immediately preceding, or (ii)&nbsp;that purports to meet the requirements of Section&nbsp;10(a)(3) of the Act and is used in connection with an offering of securities subject to Rule 415, will be filed as a part of an amendment to the
registration statement and will not be used until such amendment is effective, and that, for purposes of determining any liability under the Securities Act of 1933, each such post&#150;effective amendment shall be deemed to be a new registration
statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(e) Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be permitted to directors, officers, and controlling persons of
the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore,
unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer, or controlling person of the registrant in the successful defense of
any action, suit or proceeding) is asserted by such director, officer, or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling
precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(f) The undersigned registrant hereby undertakes to respond to requests for information that is incorporated by reference into the prospectus pursuant to
Item&nbsp;4, 10(b), 11 or 13 of this form, within one business day of receipt of such request, and to send the incorporated documents by first class mail or other equally prompt means. This includes information contained in documents filed
subsequent to the effective date of the registration statement through the date of responding to the request. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">(g) The undersigned registrant hereby
undertakes to supply by means of a post&#150;effective amendment all information concerning a transaction, and the company being acquired involved therein, that was not the subject of and included in the registration statement when it became
effective. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-6 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXHIBIT INDEX </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="91%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.1*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_96">Agreement and Plan of Merger, dated as of October 24, 2019, by and among Flushing Financial Corporation, Empire Bancorp,
 Inc. and Lighthouse Acquisition Co., Inc. (incorporated by reference to Exhibit 2.1 filed with Form 8-K filed on October 28, 2019 and attached as Annex B to the proxy statement/prospectus contained in this registration statement) </A></P></TD></TR>

<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.2*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><A HREF="#rom922344_97">Amendment No. 1 to the Agreement and Plan of Merger, dated as of December 6, 2019 (incorporated by reference to Exhibit
 2.1 filed with Form 8-K filed on December 6, 2019 and attached as Annex C to the proxy statement/prospectus contained in this registration statement) </A></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;2.3*</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="#rom922344_95">Amendment No. 2 to the Agreement and Plan of Merger, dated as of August 14, 2020 (incorporated by reference to Exhibit 2.1 filed with Form 8-K filed on August 17, 2020 and attached as Annex A to the proxy statement/prospectus
 contained in this registration statement) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.1&nbsp;P</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibits filed with the Registration Statement on Form <FONT STYLE="white-space:nowrap">S-1</FONT> filed September&nbsp;1, 1995,
Registration <FONT STYLE="white-space:nowrap">No.&nbsp;33-96488)</FONT> (P)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000095015502000097/e650979ex4_2.txt">Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 4.2 filed with
 Form <FONT STYLE="white-space:nowrap">S-8</FONT> filed May&nbsp;31, 2002) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000117184312000924/exh_33.htm">Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 3.3 filed with Form
 <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2011) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000092313902000012/exhibit33.txt">Certificate of Designations of Series A Junior Participating Preferred Stock of Flushing Financial Corporation (incorporated by reference to Exhibit
 3.3 filed with Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarter ended September&nbsp;30, 2002) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000095015506000090/e1087872ex3_1.htm">Certificate of Increase of Shares Designated as Series A Junior Participating Preferred Stock of Flushing Financial Corporation (incorporated
 by reference to Exhibit 3.1 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed September&nbsp;27, 2006) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;3.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000117184314003862/exh_36.htm">Amended and Restated <FONT STYLE="white-space:nowrap">By-Laws</FONT> of Flushing Financial Corporation (incorporated by reference to Exhibit 3.6 filed
 with Form <FONT STYLE="white-space:nowrap">10-Q</FONT> for the quarter ended June&nbsp;30, 2014) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312516790833/d255117dex41.htm">Subordinated Indenture, dated as of December&nbsp;
12, 2016, by and between the Company and Wilmington Trust, National Association, as Trustee (incorporated by reference to Exhibit 4.1 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed December&nbsp;12, 2016) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312516790833/d255117dex42.htm">First Supplemental Indenture, dated as of December&nbsp;
12, 2016, by and between the Company and Wilmington Trust, National Association, as Trustee, including the form of the Notes attached as Exhibit A thereto (incorporated by reference to Exhibit 4.2 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed
 December&nbsp;12, 2016)</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Flushing Financial Corporation has outstanding certain long-term debt. None of such debt exceeds ten percent of Flushing Financial Corporation&#146;s total assets; therefore, copies of constituent instruments defining the rights of
the holders of such debt are not included as exhibits. Copies of instruments with respect to such long-term debt will be furnished to the Securities and Exchange Commission upon request.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;5.1**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312520004024/d836612dex51.htm">Opinion of Arnold&nbsp;&amp; Porter Kaye Scholer LLP as to the validity of the securities being registered</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;8.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex81.htm">Opinion of Arnold &amp; Porter Kaye Scholer LLP relating to certain U.S. tax matters</A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;8.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex82.htm">Opinion of Fenimore, Kay, Harrison &amp; Ford, LLP relating to certain U.S. tax matters </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312519276294/d806057dex101.htm">Employment Agreement between Flushing Financial Corporation and Thomas&nbsp;M.&nbsp;
Buonaiuto (incorporated by reference to Exhibit 10.1 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28, 2019) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>10.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312519276294/d806057dex102.htm">Consulting Agreement between Flushing Bank and Douglas C. Manditch (incorporated by reference to Exhibit 10.2 filed with Form <FONT
STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28, 2019) </A></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-7 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD WIDTH="91%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Exhibit</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>No.</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Description</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex231.htm">Consent of BDO USA, LLP, Independent Registered Public Accounting Firm of Flushing Financial Corporation </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.2**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312520004024/d836612dex51.htm">Consent of Arnold &amp; Porter Kaye Scholer LLP (included
 in Exhibit 5.1) </A></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.4**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312519308491/d836612dex234.htm">Consent of Douglas C. Manditch </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex81.htm">Consent of Arnold &amp; Porter Kaye Scholer LLP (included in Exhibit 8.1) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.6</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex82.htm">Consent of Fenimore, Kay, Harrison &amp; Ford, LLP (included in Exhibit 8.2)</A> </TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>24.1**</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312519308491/d836612ds4.htm#sig">Power of Attorney (included on signature page) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312519276294/d806057dex991.htm">Form of Voting Agreement with each director of Empire Bancorp, Inc. (incorporated by reference to Exhibit 99.1 filed with Form <FONT
STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28, 2019) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/923139/000119312519276294/d806057dex992.htm">Voting Agreement with Patriot Financial Partners II, L.P. and Patriot Financial Partners Parallel II, L.P. (incorporated by reference to Exhibit
 99.2 filed with Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed October&nbsp;28, 2019) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.3</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex993.htm">Form of Empire Bancorp, Inc. proxy </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.4</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex994.htm">Consent of Piper Sandler &amp; Co. </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.5</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d922344dex995.htm">Form of Election Form and Letter of Transmittal </A></TD></TR>
</TABLE>  <P STYLE="line-height:8.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000;width:11%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Annexes, schedules and exhibits have been omitted pursuant to Item 601(b)(2) of Regulation <FONT
STYLE="white-space:nowrap">S-K.</FONT> Flushing agrees to furnish supplementally a copy of any omitted attachment to the Securities and Exchange Commission on a confidential basis upon request. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">**</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Previously filed. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(P)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Paper exhibits. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-8 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><A NAME="sig"></A>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, as amended, the registrant has duly caused this registration statement to be
signed on its behalf by the undersigned, thereunto duly authorized, in the City of Uniondale, State of New York, on September 14, 2020. </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="12%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="87%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>FLUSHING FINANCIAL CORPORATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Name:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">John R. Buran</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Title:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">President and Chief Executive Officer</TD></TR>
</TABLE></DIV>  <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, as amended, this registration statement
has been signed by the following persons in the capacities indicated on September 14, 2020: </P>  <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="51%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Title</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ John R. Buran</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">John R. Buran</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">President, Chief Executive Officer (Principal Executive Officer) and Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Susan K. Cullen</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Susan K. Cullen</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Senior Executive Vice President, Treasurer and Chief Financial Officer (Principal Financial and Accounting Officer)</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-bottom:0pt; margin-top:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Michael A.
Azarian</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-bottom:0pt; margin-top:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Alfred A.
DelliBovi</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director, Chairman</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-bottom:0pt; margin-top:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">James D.
Bennett</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-bottom:0pt; margin-top:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Steven J.
D&#146;Iorio</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-bottom:0pt; margin-top:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Louis C.
Grassi</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-bottom:0pt; margin-top:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Sam Ki S.
Han</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">John J.
McCabe</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Donna Murphy
O&#146;Brien</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-9 </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="45%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="51%"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; " ALIGN="center"><B>Title</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Michael J.
Russo</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">*</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Caren C.
Yoh</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top">Director</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="62.5%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="8%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="63%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="25%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">*By:&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">/s/ John R. Buran</P></TD>
<TD VALIGN="bottom" ROWSPAN="2">&nbsp;&nbsp;</TD>
<TD VALIGN="middle" ROWSPAN="2"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">&nbsp;&nbsp;Attorney-in-Fact</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">John R. Buran</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">as Attorney-in-Fact pursuant to the Power of Attorney included as part of the signature page to the Registration Statement on
Form S-4 filed on December 9, 2019. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">II-10 </P>

</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.1
<SEQUENCE>2
<FILENAME>d922344dex81.htm
<DESCRIPTION>EX-8.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-8.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 8.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g922344dsp2.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">September&nbsp;14, 2020 </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing Financial Corporation </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">220 RXR Plaza </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Uniondale, NY 11556 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We have acted as special tax counsel to Flushing Financial Corporation, a Delaware corporation (&#147;<U>Parent</U>&#148;), in connection with
(1)&nbsp;the proposed merger of Lighthouse Acquisition Co., Inc., a special-purpose wholly owned subsidiary of Parent formed as a New York corporation (&#147;<U>Merger Sub</U>&#148;), with and into Empire Bancorp, Inc., a New York corporation (the
&#147;<U>Company</U>&#148;), with the Company surviving as a wholly-owned subsidiary of Parent (the &#147;<U>First-Step Merger</U>&#148;), and (2)&nbsp;the proposed merger of the Company with and into Parent, with Parent surviving (the
&#147;<U>Second-Step Merger</U>&#148;, and together with the First-Step Merger, the &#147;<U>Merger</U>&#148;). The Merger is to be carried out in accordance with the Agreement and Plan of Merger, dated as of October&nbsp;24, 2019, as amended on
December&nbsp;6, 2019, and as further amended on August&nbsp;14, 2020 (the &#147;<U>Merger Agreement</U>&#148;), by and among Parent, Merger Sub and the Company, and as described in the proxy statement/prospectus included in the registration
statement <FONT STYLE="white-space:nowrap">on&nbsp;Form&nbsp;S-4&nbsp;(File&nbsp;No.</FONT> <FONT STYLE="white-space:nowrap">333-235411)&nbsp;prepared</FONT> in connection with the Merger and initially filed by Parent with the Securities and
Exchange Commission (the &#147;<U>Commission</U>&#148;) on December&nbsp;9, 2019, as amended through the date hereof (the &#147;<U>Registration Statement</U>&#148;). You have requested our opinion regarding certain U.S. federal income tax matters.
Capitalized terms used but not defined herein have the meaning set forth in the Merger Agreement. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this opinion, we have
reviewed the Merger Agreement, the Registration Statement, and such other documents and matters of law and fact as we have considered necessary or appropriate. In addition, in rendering this opinion, we have relied upon the representations set forth
in the officer&#146;s certificates of Parent and the Company delivered to us and dated [insert date] (the &#147;<U>Officer&#146;s Certificates</U>&#148;). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">With your permission, we have assumed, for purposes of this opinion, that (1)&nbsp;the Merger will be consummated in accordance with
(a)&nbsp;the terms, conditions and other provisions of the Merger Agreement and (b)&nbsp;the descriptions contained in the Registration Statement; (2)&nbsp;none of the terms and conditions set forth or described in the Merger Agreement or the
Registration Statement have been or will be modified or waived in any respect; (3)&nbsp;the parties to the Merger Agreement have complied with and will continue to comply with their respective covenants and agreements in the Merger Agreement,
(4)&nbsp;all of the factual information, descriptions, representations and </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="97%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g922344g73c32.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Arnold&nbsp;&amp; Porter Kaye Scholer LLP</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">250 West 55<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> Street <B>|</B> New York, NY 10019 <B>|</B> <B>www.arnoldporter.com</B></P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g922344dsp1.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing Financial Corporation </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 2
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">assumptions set forth or referred to (a)&nbsp;in the Officer&#146;s Certificates, (b)&nbsp;in this letter (an
advance copy of which has been provided to you), (c) in the Merger Agreement and (d)&nbsp;in the Registration Statement, are true, accurate and complete, and will remain true, accurate and complete at all times through and including the Effective
Time of the Merger, in each case, without regard to any qualification as to knowledge or belief; (5)&nbsp;the Merger Agreement represents the full and complete agreement between Parent and the Company regarding the Merger; (6)&nbsp;there are no
other written or oral agreements regarding the Merger other than those expressly referred to in the Merger Agreement; and (7)&nbsp;Parent, the Company and their respective subsidiaries will treat the Merger for U.S. federal income tax purposes in a
manner consistent with our opinion set forth below. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In our examination of such materials, we have assumed the genuineness of all
signatures, the legal capacity of all natural persons, the authenticity of all documents submitted to us as originals, the conformity to original documents of all documents submitted to us as copies and the authenticity of the originals of such
copies. We have not independently investigated or verified any factual matters relating to the Merger in connection with or apart from our preparation of this opinion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Based on the foregoing, and subject to the limitations, assumptions and qualifications set forth in this letter, it is our opinion that for
U.S. federal income tax purposes, it is more likely than not that the Merger will qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the U.S. Internal Revenue Code of 1986, as amended (the &#147;<U>Code</U>&#148;).
</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We express no opinion on any issue relating to the consequences of the transactions contemplated by the Registration Statement other than
the opinion set forth above. This opinion does not address any other U.S. federal income tax consequences of the Merger or any other matters of U.S. federal law and we have not considered matters (including U.S. state, local <FONT
STYLE="white-space:nowrap">or&nbsp;non-U.S.&nbsp;tax</FONT> consequences) arising under the laws of any jurisdiction other than matters of federal income tax law arising under the laws of the United States. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Our opinion is based on the current provisions of the Code, regulations promulgated thereunder by the U.S. Department of the Treasury, case
law, and U.S. Internal Revenue Service (&#147;<U>IRS</U>&#148;) pronouncements as they now exist. These authorities are all subject to change or revocation, possibly with retroactive effect. Any change in applicable laws or facts and circumstances
surrounding the Merger, or any inaccuracy in the statements, facts, assumptions and representations on which we have relied may affect the validity of our opinion. We undertake no responsibility to inform you of any such change or inaccuracy that
may occur or come to our attention. We can give no assurance that, after </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g922344dsp1.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing Financial Corporation </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"> Page
 3
 </P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
any such change, our opinion would not be different. Our opinion is not binding on the IRS, the courts of the United States, or any other taxing or other governmental authority. No assurance can
be given that, if the matter were contested, a court would agree with this opinion and no rulings will be sought from the IRS or from any other taxing authority with respect to any U.S. federal income tax consequences described in this opinion. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We are furnishing this opinion in connection with the filing of the Registration Statement and this opinion is not to be relied upon for any
other purpose without our prior written consent. We hereby consent to the filing of this opinion with the Commission as an exhibit to the Registration Statement, and to the references therein to us. In giving such consent, we do not thereby admit
that we are in the category of persons whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended, and the rules and regulations of the Commission thereunder. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Arnold&nbsp;&amp; Porter Kaye Scholer LLP</TD></TR>
</TABLE></DIV>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-8.2
<SEQUENCE>3
<FILENAME>d922344dex82.htm
<DESCRIPTION>EX-8.2
<TEXT>
<HTML><HEAD>
<TITLE>EX-8.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 8.2 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="66%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="32%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">


<IMG SRC="g922344dsp4.jpg" ALT="LOGO">
</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">812 SAN ANTONIO STREET</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">SUITE 600</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">AUSTIN, TEXAS 78701</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">TEL&nbsp;&nbsp;&nbsp;&nbsp;512 &#149; 583 &#149; 5900</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">FAX&nbsp;&nbsp;&nbsp;&nbsp;512 &#149; 583 &#149; 5940</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">September&nbsp;14, 2020 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Empire
Bancorp, Inc. </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">1707 Veterans Highway </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Islandia, New York
11749 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Ladies and Gentlemen: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We have acted as special
counsel to Empire Bancorp, Inc., a New York corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended (&#147;Company&#148;), in connection with the proposed merger of Lighthouse Acquisition Co., Inc.
(&#147;Merger Sub&#148;) with and into the Company, and the related merger of the Company with and into Flushing Financial Corporation, a New York corporation and registered bank holding company under the Bank Holding Company Act of 1956, as amended
(&#147;Flushing&#148;), in a series of related transactions (collectively, the &#147;Merger&#148;) pursuant to that certain Agreement and Plan of Merger dated as of October&nbsp;24, 2019, as amended on December&nbsp;6, 2019 and August&nbsp;14, 2020,
by and among Flushing, Merger Sub and the Company (the &#147;Agreement&#148;). Capitalized terms used but not defined herein have the meanings ascribed to them in the Agreement. At your request, we are rendering our opinion concerning certain United
States federal income tax matters relating to the Merger. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">In providing our opinion, we have examined and relied upon the Agreement, the Form <FONT
STYLE="white-space:nowrap">S-4</FONT> filed by Flushing with the U.S. Securities and Exchange Commission (&#147;Commission&#148;) on December&nbsp;9, 2019 (including the proxy statement/prospectus contained therein, as amended or supplemented
through the date hereof, the &#147;Registration Statement&#148;), the representation letters of Flushing and the Company delivered to us for purposes of rendering our opinion stated herein (the &#147;Representation Letters&#148;) and such other
documents as we have deemed necessary or appropriate for purposes of our opinion. In addition, we have assumed that (i)&nbsp;the transaction will be consummated in accordance with the provisions of the Agreement and as described in the Registration
Statement (and no transaction or condition described therein and affecting this opinion will be waived by any party), (ii)&nbsp;the statements concerning the transaction and the parties thereto set forth in the Agreement are true, complete and
correct, and the Registration Statement is true, complete and correct, (iii)&nbsp;the factual statements and representations made by Flushing and the Company in their respective Representation Letters are true, complete and correct as of the date
hereto and will remain true, complete and correct at all times up to and including the Effective Time, (iv)&nbsp;any such statements and representations made in the Representation Letters &#147;to the knowledge of&#148; any person or similarly
qualified are and will be true, complete and correct without such qualification, and (v)&nbsp;Flushing, the Company and their respective subsidiaries will treat the Merger for United States federal income tax purposes in a manner consistent with the
opinion set forth below. If any of the above-described assumptions are untrue for any reason or if the transaction is consummated in a manner that is different from the manner described in the Agreement or the Registration Statement, our opinion as
expressed below may be adversely affected. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Based upon the foregoing and subject to the assumptions, qualifications and limitations stated herein and set
forth in the Registration Statement, we are of the opinion that, under currently applicable United States federal income tax law, it is more likely than not that the Merger, when consummated in accordance with the terms of the Agreement and the
Registration Statement, will qualify as a &#147;reorganization&#148; within the meaning of Section&nbsp;368(a) of the Code. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">www.fkhpartners.com </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt;margin-bottom:0pt">


<IMG SRC="g922344dsp5.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Empire Bancorp, Inc. </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">September&nbsp;14, 2020 </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Page 2 </P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Other than the opinion set forth above, we express no opinion on any issue relating to (i)&nbsp;the tax
consequences of the transactions contemplated by the Agreement, (ii)&nbsp;the appropriate method to determine fair market value of any stock or other consideration received in any sale or exchange, and (iii)&nbsp;the laws of any jurisdiction other
than the federal laws of the United States of America. Our opinion relates solely to material United States federal income tax consequences of the Merger, and no opinion is implied or should be inferred beyond those matters. Our opinion is based on
current provisions of the Code, Treasury Regulations promulgated thereunder, published pronouncements of the Internal Revenue Service and case law, any of which may be changed at any time with retroactive effect. Any change in applicable laws or the
facts and circumstances surrounding the transaction, or any inaccuracy in the statements, facts, assumptions or representations upon which we have relied, may affect the continuing validity of our opinion as set forth herein. We assume no
responsibility to inform the Company of any such change or inaccuracy that may occur or come to our attention. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Although we may have acted as counsel to
the Company in connection with certain matters other than the Merger, our engagement is limited to certain matters about which we have been consulted. Consequently, there may exist matters of a factual or legal nature involving the Company as to
which we have not been consulted and have not represented the Company. This opinion letter is limited to the matters stated herein and no opinions may be implied or inferred beyond the matters expressly stated herein. This opinion letter is
delivered solely for the benefit of the Company in connection with the Agreement, and no other party or entity is entitled to rely hereon without the express prior written consent of this firm. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We are furnishing this opinion in connection with the closing of the transactions contemplated by the Agreement and this opinion is not to be relied upon for
any other purpose without our prior written consent. We hereby consent to the filing of this opinion with the Commission as Exhibit 8.2 to the Registration Statement. By giving such consent, we do not admit that we are within the category of persons
whose consent is required under Section&nbsp;7 of the Securities Act or the rules and regulations of the Commission promulgated thereunder. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Very truly yours,</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Fenimore, Kay, Harrison&nbsp;&amp; Ford, LLP</TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>4
<FILENAME>d922344dex231.htm
<DESCRIPTION>EX-23.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><U>Consent of Independent Registered Public Accounting Firm </U></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Flushing Financial Corporation </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Uniondale, New York </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We hereby consent to the incorporation by reference in the proxy statement/prospectus constituting a part of this Post-Effective Amendment No.&nbsp;2 to the
Registration Statement on Form <FONT STYLE="white-space:nowrap">S-4</FONT> of our reports dated March&nbsp;2, 2020, relating to the consolidated financial statements and the effectiveness of internal control over financial reporting of Flushing
Financial Corporation and Subsidiaries appearing in the Company&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the year ended December&nbsp;31, 2019. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We also consent to the reference to us under the caption &#147;Experts&#148; in the proxy statement/prospectus. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">/s/ BDO USA, LLP </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">BDO USA, LLP </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">New York, New York </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">September&nbsp;14, 2020 </P>
<P STYLE="font-size:12pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>5
<FILENAME>d922344dex993.htm
<DESCRIPTION>EX-99.3
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.3</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.3 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FORM OF PROXY CARD </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EMPIRE BANCORP, INC. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>1707 Veterans Highway </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Islandia, New York 11749 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">I hereby appoint Douglas C. Manditch and John D. Caffrey, Jr., or any of them, with full power of substitution, to be my attorneys and proxies
at the special meeting of shareholders of Empire Bancorp, Inc. to be held on <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> <U>&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2020, at <U>&nbsp;&nbsp;&nbsp;&nbsp;</U>:00 p.m., local time, at 1707 Veterans
Highway, Islandia, New York, and to represent and vote, as designated below, all of the shares of common stock held of record by me as of the record date for the meeting, granting unto such attorneys and proxies, and to either of them and to their
substitutes full power and authority to act for and in my name at the meeting and all adjournments thereof, if any, as follows: </P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>AMENDMENT PROPOSAL.</B> To consider and vote on a proposal to adopt and approve Amendment No.&nbsp;2, dated
as of August&nbsp;14, 2020, to the Agreement and Plan of Merger, dated as of October&nbsp;24, 2019, by and among Empire Bancorp, Inc., Flushing Financial Corporation and Lighthouse Acquisition Co., Inc., as amended by Amendment No.&nbsp;1 dated
December&nbsp;6, 2019 (&#147;Merger Agreement,&#148; and collectively with Amendment No.&nbsp;2, the &#147;Amended Merger Agreement&#148;), and the transactions contemplated by the Amended Merger Agreement, on the terms and subject to the conditions
contained therein. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="75%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="29%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="right">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>FOR</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B></B>&#9744;<B></B><B></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>AGAINST</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B></B>&#9744;<B></B><B></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>ABSTAIN</B></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>ADJOURNMENT PROPOSAL. </B>To consider and vote on a proposal to adjourn the special meeting to a later date
or dates, if necessary or appropriate, including to permit further solicitation of proxies in favor of the merger proposal if there are not sufficient votes to approve it or for any other legally permissible purpose. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="75%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="30%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="2%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="29%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>FOR</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B></B>&#9744;<B></B><B></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>AGAINST</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B></B>&#9744;<B></B><B></B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><B>ABSTAIN</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If properly executed and returned to Empire Bancorp, Inc., this proxy will be voted in the manner directed
herein. If no direction is made, this proxy will be voted &#147;FOR&#148; each of the proposals described above. I hereby revoke any and all proxies with respect to such shares previously given by me and acknowledge receipt of the notice of special
meeting of shareholders and the proxy statement of the board of directors relating to the meeting. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>[Instructions: Please sign your
name exactly as it appears on your stock certificate. When signing in a representative capacity, please include title and authority.] </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><B>PLEASE COMPLETE, EXECUTE AND RETURN THE PROXY PROMPTLY. </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="44%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"><B>DATE:
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2020</B></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Signature</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Additional signature, if
necessary</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Print Name</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Print Name</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(If signing in representative
capacity, print title)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>6
<FILENAME>d922344dex994.htm
<DESCRIPTION>EX-99.4
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.4</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.4 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONSENT OF PIPER SANDLER&nbsp;&amp; CO. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">We hereby consent to the inclusion of our opinion letter to the Board of Directors of Empire Bancorp, Inc. (the &#147;Company&#148;) as an
Annex to the Proxy Statement/Prospectus relating to the proposed merger of the Company with Flushing Financial Corporation contained in Post-Effective Amendment No.&nbsp;2 to the Registration Statement on Form
<FONT STYLE="white-space:nowrap">S-4,</FONT> as filed with the Securities and Exchange Commission, and to references to such opinion and the quotation or summarization of such opinion in such Proxy Statement/Prospectus and Registration Statement. In
giving such consent, we do not admit that we come within the category of persons whose consent is required under Section&nbsp;7 of the Securities Act of 1933, as amended (the &#147;Act&#148;), or the rules and regulations of the Securities and
Exchange Commission thereunder (the &#147;Regulations&#148;), nor do we admit that we are experts with respect to any part of such Proxy Statement/Prospectus and Registration Statement within the meaning of the term &#147;experts&#148; as used in
the Act or the Regulations. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">/s/ Piper Sandler&nbsp;&amp; Co.</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">New York, New York</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">September 14, 2020</TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.5
<SEQUENCE>7
<FILENAME>d922344dex995.htm
<DESCRIPTION>EX-99.5
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.5</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.5 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


<IMG SRC="g922344snap1.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right">[&#9679;], 2020 </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">To the Shareholders of Empire Bancorp, Inc.: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">As described in the proxy statement/prospectus dated [&#149;], 2020 delivered to you concurrently with this letter and
accompanying Election Form and Letter of Transmittal, Flushing Financial Corporation (&#147;<U>Flushing</U>&#148;), Empire Bancorp, Inc. (&#147;<U>Empire</U>&#148;) and Lighthouse Acquisition Co., Inc. (&#147;<U>Merger Sub</U>&#148;) entered into
Amendment No.&nbsp;2, dated August&nbsp;14, 2020 (the &#147;<U>amendment</U>&#148;), to the Agreement and Plan of Merger, dated October&nbsp;24, 2019 (the &#147;<U>original merger agreement</U>&#148;), as previously amended by Amendment No.&nbsp;1,
dated December&nbsp;6, 2019 (&#147;<U>amendment no. 1</U>&#148;). We collectively refer to the original merger agreement, as amended by amendment no.&nbsp;1, as the &#147;<U>merger agreement</U>,&#148; and as further amended by the amendment, the
&#147;<U>amended merger agreement</U>&#148;. The merger agreement, which provides for the merger of Merger Sub with and into Empire and the merger of Empire with and into Flushing (collectively, the &#147;<U>merger</U>&#148;), and the transactions
contemplated by the merger agreement were previously approved by the requisite vote of Empire&#146;s shareholders at a special meeting held on February&nbsp;27, 2020. In connection with the amendment, Empire will hold another special meeting of its
shareholders on October [&#149;], 2020 (the &#147;<U>special meeting</U>&#148;) at which the holders of Empire voting common stock will be asked to vote to adopt and approve the amendment and the transactions contemplated by the amended merger
agreement. The merger is anticipated to be completed in the fourth quarter of 2020, but there can be no assurance that will be the case. In order to complete the merger, the holders of Empire voting common stock must approve the amendment at the
special meeting and both Flushing and Empire must satisfy certain customary closing conditions, including the receipt or waiver of applicable regulatory approvals related to the amendment in accordance with the prior regulatory approval orders. As a
result of the merger, you will be entitled to elect to receive consideration in the form of shares of common stock, par value $0.01 per share, of Flushing (&#147;<U>Flushing common stock</U>&#148;), cash or a combination of both, or to make no
election. Subject to the election, allocation and proration procedures described in this document, the amended merger agreement and the proxy statement/prospectus, you will be entitled to receive, in exchange for each share of voting common stock,
par value $0.01 per share, of Empire or <FONT STYLE="white-space:nowrap">non-voting</FONT> common stock, par value $0.01 per share, of Empire (collectively, &#147;<U>Empire common stock</U>&#148;) that you own at the effective time of the merger,
either (i)&nbsp;a cash payment of $14.04, without interest (the &#147;<U>cash consideration</U>&#148;), or (ii)&nbsp;0.6548 shares of Flushing common stock (the &#147;<U>stock consideration</U>&#148; and together with the cash consideration, the
&#147;<U>merger consideration</U>&#148;). The U.S. federal income tax consequences of the merger to you may depend on whether you receive cash, Flushing common stock, or a combination of cash and Flushing common stock in exchange for your shares of
Empire common stock and will depend on the facts of your particular situation. You should consult your own tax advisors regarding your election decision. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Pursuant to the terms of the amended merger agreement, 50% of the total number of shares of Empire common stock to be
converted in the merger will be converted into cash consideration, and the remaining 50% of the total number of shares of Empire common stock will be converted into stock consideration. As a result, if more Empire shareholders make valid elections
to receive either Flushing common stock or cash than is available as merger consideration under the amended merger agreement, those Empire shareholders electing the over-subscribed form of consideration may have the over-subscribed consideration
proportionately reduced and substituted with consideration in the other form, despite their election. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Flushing will not
issue fractional shares or certificates for fractional shares. Instead, Flushing will pay to each holder of Empire common stock who would otherwise be entitled to a fractional share of Flushing common stock an amount in cash, without interest,
rounded to the nearest cent, determined by multiplying (i)&nbsp;the volume-weighted average trading price of Flushing common stock on NASDAQ (as reported by The Wall Street Journal) for the five consecutive trading days ending on the last trading
day preceding the effective time of the merger, by (ii)&nbsp;the fraction of a share of Flushing common stock (rounded to the nearest thousandth when expressed in decimal form) that such holder would otherwise have been entitled to receive. You
should carefully read the proxy statement/prospectus as amended and supplemented from time to time (including the amendment, the original merger agreement and amendment no. 1, attached as Annex A, Annex B and Annex C, respectively, to the proxy
statement/prospectus) before completing the accompanying Election Form and Letter of Transmittal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We are asking you now
to elect the form of consideration you wish to receive. In order to exchange your shares of Empire common stock for merger consideration, the accompanying Election Form and Letter of Transmittal and related documents must be completed and returned
to Computershare, which has been appointed by Flushing to act as the election and exchange agent (&#147;<U>Exchange Agent</U>&#148;) for the merger. As more fully described in the Election Form and Letter of Transmittal, you may elect to receive in
exchange for the Empire common stock that you own either (x)&nbsp;all cash, (y)&nbsp;all Flushing common stock, or (z)&nbsp;a combination of </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">
cash and Flushing common stock, or you may make no election. If you wish to elect the type of consideration that you would like to receive in the merger, you should carefully review and follow
the instructions contained in the enclosed Election Form and Letter of Transmittal. Please note that any election that you make will be subject to the allocation and proration procedures described in the amended merger agreement and the proxy
statement/prospectus to ensure that 50% of the total number of shares of Empire common stock to be converted in the merger will be converted into stock consideration. <B>As a result, we cannot assure you that you will receive the form of
consideration you elect to receive.</B> </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><U>An Election Form and Letter of Transmittal, dated
February</U><U></U><U>&nbsp;28, 2020, was previously delivered to Empire shareholders of record as of January</U><U></U><U>&nbsp;7, 2020. If you previously made a valid election you are not required to confirm that election and such election remains
valid unless and until you, at any time before the Election Deadline, change or revoke such election in accordance with the procedures described in the accompanying Election Form and Letter of Transmittal.</U> </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Please review the enclosed materials carefully and, if you have not previously made a valid election or if you wish to change
your previous election, return your completed Election Form and Letter of Transmittal and related documents in the envelope provided with these materials, at your earliest convenience but no later than the Election Deadline. To make a valid election
for the form of consideration you wish to receive, the enclosed Election Form and Letter of Transmittal must be <B>received</B> by the Exchange Agent by <B>5:00 p.m., Eastern Time, on the Election Deadline</B>. The Election Deadline is October
[&#9679;], 2020, which is the date of the special meeting, or such later date and time as Flushing and Empire mutually agree. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">We make no recommendation about whether you should elect to receive Flushing common stock, cash, or a combination of cash and
Flushing common stock in the merger. Each shareholder must make his or her own decision about the election, bearing in mind the consideration received and the tax consequences of the election chosen. If you have a particular preference about the
form of consideration you wish to receive for your Empire common stock, you are encouraged to make an election because shares for which an election is made will have priority over shares for which no election is made if allocation and proration of
consideration becomes necessary. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Please make sure that you submit a confirmation of a book-entry transfer to the Exchange
Agent of your shares of Empire common stock, or a properly completed Notice of Guaranteed Delivery, with your Election Form and Letter of Transmittal in the envelope provided with these materials. Do not send election materials to Flushing or
Empire. If the Exchange Agent does not receive a properly completed Election Form and Letter of Transmittal accompanied by a confirmation of a book-entry transfer to the Exchange Agent of your shares of Empire common stock, or a properly completed
Notice of Guaranteed Delivery, your election will be invalid and the form of consideration you receive will be determined for you in accordance with the terms of the amended merger agreement. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If you have any questions about completion of the Election Form and Letter of Transmittal, please contact Morrow Sodali, at
(800) <FONT STYLE="white-space:nowrap">662-5200</FONT> or <FONT STYLE="font-family:Times New Roman; font-size:10pt" COLOR="#0563c1"><U>EMPK@investor.morrowsodali.com</U></FONT><FONT STYLE="font-family:Times New Roman">. </FONT></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Empire Bancorp, Inc.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Flushing Financial Corporation</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Douglas C. Manditch</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">John R. Buran</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Chairman, Chief Executive Officer and Secretary</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">President and Chief Executive Officer</P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ELECTION FORM AND LETTER OF TRANSMITTAL </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">This Election Form and Letter of Transmittal relates to the proposed merger of Lighthouse Acquisition Co., Inc. (&#147;<U>Merger
Sub</U>&#148;) with and into Empire Bancorp, Inc. (&#147;<U>Empire</U>&#148;) and the merger of Empire with and into Flushing Financial Corporation (&#147;<U>Flushing</U>&#148;) (collectively, the &#147;<U>merger</U>&#148;) pursuant to the Agreement
and Plan of Merger, dated October&nbsp;24, 2019 (the &#147;<U>original merger agreement</U>&#148;), as amended by Amendment No.&nbsp;1 to the original merger agreement, dated December&nbsp;6, 2019 (&#147;<U>amendment no. 1</U>&#148; and, together
with the original merger agreement, the &#147;<U>merger agreement</U>&#148;), as further amended by Amendment No.&nbsp;2 to the merger agreement, dated August&nbsp;14, 2020 (the &#147;<U>amendment</U>&#148; and, together with the merger agreement,
the &#147;<U>amended merger agreement</U>&#148;). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Please return your Election Form and Letter of Transmittal and related materials in the accompanying
envelope provided to Computershare, the Exchange Agent for the transaction, as indicated below: </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>Please read and follow the
accompanying instructions carefully and deliver to: </I></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Computershare Trust Company, N.A. </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><I>By Mail:</I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Computershare Trust Company, N.A.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">c/o Voluntary Corporate Actions</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">P.O. Box 43011</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Providence, RI
02940-3011</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>By Registered Mail&nbsp;or Overnight Courier:</I></B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Computershare Trust Company, N.A.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">c/o Voluntary Corporate Actions</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">150 Royall Street, Suite V</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Canton, MA 02021</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The instructions contain important information about this Election Form and Letter of Transmittal. To make
a valid election, your materials must be received by the Exchange Agent not later than 5:00 p.m., Eastern Time, on the Election Deadline. The Election Deadline is October [</B>&#9679;<B></B><B>], 2020, which is the date of the special meeting of
Empire shareholders (the &#147;<U>special meeting</U>&#148;) during which holders of Empire voting common stock will be asked to vote to adopt and approve the amendment and the transactions contemplated by the amended merger agreement, or such later
date and time as Flushing and Empire mutually agree. Delivery of this Election Form and Letter of Transmittal and related materials to an address other than as set forth above will not constitute a valid delivery. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>If you have questions about this Election Form and Letter of Transmittal, please contact Morrow Sodali, at (800) <FONT
STYLE="white-space:nowrap">662-5200</FONT> or <FONT STYLE="font-family:Times New Roman" COLOR="#0563c1"><U>EMPK@investor.morrowsodali.com</U></FONT>. </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B></B>1.<B></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>EMPIRE COMMON STOCK, PAR VALUE $0.01 PER SHARE (&#147;</B><B><U>EMPIRE COMMON
STOCK</U></B><B>&#148;)</B>&#151;See Instruction 2. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DESCRIPTION&nbsp;OF&nbsp;EMPIRE SHARES&nbsp;SURRENDERED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>(Please&nbsp;fill&nbsp;in.&nbsp;Attach&nbsp;separate&nbsp;schedule&nbsp;if&nbsp;needed.) </I></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="90%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="56%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="26%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" ALIGN="center" STYLE="BORDER:1px solid #000000; padding-left:8pt"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Name(s) and Address of Registered Holder(s)</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">(Please correct details if incorrect or fill in, if blank)</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">(Please ensure name(s) appear(s) exactly as on the confirmation of book-entry</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">transfer to the Exchange Agent)</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" COLSPAN="3" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Number of Shares of Empire common stock</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">(please indicate whether voting (V)&nbsp;or <FONT STYLE="white-space:nowrap">non-voting</FONT></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">(NV))</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="middle" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="middle" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD ROWSPAN="2" VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="3" VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>TOTAL&nbsp;SHARES&nbsp;&nbsp;&nbsp;&nbsp;</B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt;margin-bottom:1pt" ALIGN="justify"><B>


<IMG SRC="g922344g0911231052568.jpg" ALT="LOGO">
</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>ELECTION CHOICES</B>&#151;See Instructions <FONT STYLE="white-space:nowrap">3-5</FONT>
</P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Pursuant to the amended merger agreement, and subject to the allocation and proration procedures
described therein, each Empire shareholder is entitled to elect to receive, in exchange for each share of Empire common stock owned at the effective time of the merger, either (1)&nbsp;a cash payment of $14.04, without interest (the &#147;<U>Cash
Consideration</U>&#148;), or (2) 0.6548 shares of Flushing common stock (the &#147;<U>Stock Consideration</U>&#148;). This election governs the consideration that you, as a shareholder of Empire, will receive if the merger is consummated, subject to
the allocation and proration procedures set forth in the amended merger agreement. This election also may affect the U.S. federal income tax consequences of the merger to you. For a full discussion of the merger and the effect of this election, see
the proxy statement/prospectus, dated [&#149;], 2020 (as amended and supplemented from time to time, the &#147;<U>Proxy Statement</U>&#148;). Select and complete <U>one</U> box below to elect the form of consideration you wish to receive for your
shares of Empire common stock. We cannot assure you that you will receive the form of consideration you elect to receive. If you fail to properly make an election, you will be deemed to have made &#147;No Election.&#148; </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>I hereby elect to receive the following as consideration for all of my shares of Empire common stock: </B>(check only one box) </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>All Cash Election.</B> Mark this box to elect to receive the Cash Consideration for each share of Empire
common stock owned, subject to proration. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>All Stock Election.</B> Mark this box to elect to receive the Stock Consideration for each share of
Empire common stock owned, subject to proration. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>Mixed Election.</B> Mark this box to elect to receive the Cash Consideration for some of the shares of
Empire common stock owned and the Stock Consideration for the remainder of the shares of Empire common stock owned, subject to proration. <I>If you mark this box you must also indicate below the whole number of your shares of Empire common stock
that you wish to exchange for the Cash Consideration and the whole number of your shares of Empire common stock that you wish to exchange for the Stock Consideration:</I> </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="79%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="18%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B><I>(whole&nbsp;numbers&nbsp;of&nbsp;shares&nbsp;only)</I></B></TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(a) Empire common stock to be exchanged for the <I>Cash Consideration:</I></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(b) Empire common stock to be exchanged for the <I>Stock Consideration:</I></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Total Empire common stock owned:*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><B><I>*Important:</I></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B><I>The sum of (a)&nbsp;and (b)&nbsp;must equal the total number of shares Empire common stock that you
own (as listed in Section&nbsp;1 above). </I></B></P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">&#9744;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>No Election.</B> I/we make no election. I/we, the undersigned, acknowledge and understand that by making no
election the form of consideration that I/we will receive as a result of the merger will be determined in accordance with the terms of the amended merger agreement. </P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Certification and Required Signatures</B>&#151;See Instruction 6 </P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">I/we, the undersigned, have full authority and hereby surrender to you for exchange the shares of Empire common stock identified in
Section&nbsp;1 above. I/we, the undersigned, agree, upon request, to execute and deliver any additional documents Flushing or the Exchange Agent tells me/us are necessary or desirable to complete the exchange of my/our Empire common stock. I/we
certify that I/we have reviewed the accompanying instructions and have complied with all requirements stated therein. <B>I/we acknowledge that any election made in Section</B><B></B><B>&nbsp;2 above is subject to allocation and proration as provided
in the amended merger agreement and as described in the Proxy Statement. Therefore, I/we acknowledge that I/we may receive a different form of consideration from the form I/we elected</B>. I/we hereby authorize the Exchange Agent to rely upon all
representations, certifications, and instructions accompanying this Election Form and Letter of Transmittal. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>REGISTERED HOLDER(S) OR
AGENT - REQUIRED SIGNATURES </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>IMPORTANT&#151;SIGN HERE </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Complete Substitute Form <FONT STYLE="white-space:nowrap">W-9</FONT> Attached) </P>
<P STYLE="font-size:24pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Signature(s) of
Owner(s)</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name(s):</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Capacity (full title):</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Address:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000">(Include Zip Code)</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Area Code and Telephone Number:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dated:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">(Must be signed by registered holder(s) exactly as name(s) appear(s) on a security
position listing or book-entry account statement or by person(s) authorized to become registered holder(s) by documents transmitted herewith.</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">If signature is by a trustee, executor, administrator, guardian, <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact,</FONT></FONT> agent, officer of a corporation or other person acting in a fiduciary or representative capacity, please provide the necessary information above and see
Instruction 5.)</P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURE GUARANTEE(S)</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(If required see Instruction 6)</B></P></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FOR USE BY FINANCIAL INSTITUTIONS ONLY</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FINANCIAL INSTITUTIONS: PLACE MEDALLION GUARANTEE IN SPACE BELOW.</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Authorized signature(s):</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name of Firm:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Address:</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000">(Include Zip Code)</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Area Code and Telephone Number:</P></TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dated:</P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SPECIAL PAYMENT INSTRUCTIONS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(See Instruction 6) </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">To be
completed ONLY if any shares of Flushing common stock and/or any check for cash payable in the merger (less any amounts required to be withheld for taxes) are to be issued in the name of someone other than the undersigned. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Issue: &#9744; Check &#9744; Shares to: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(Please Print)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Address:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">(Taxpayer Identification No.)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:36pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SPECIAL DELIVERY INSTRUCTIONS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(See Instruction 6) </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">To be
completed ONLY if any shares of Flushing common stock and/or any check for cash payable in the merger (less any amounts required to be withheld for taxes) are to be sent to someone other than the undersigned. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Send: &#9744; Check &#9744; Shares to: </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">(Please Print)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Address:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">(Taxpayer Identification No.)</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INSTRUCTIONS TO ELECTION FORM AND LETTER OF TRANSMITTAL </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B><I>Please follow these instructions carefully when completing this Election Form and Letter of Transmittal. </I></B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>ELECTION DEADLINE</B>. To be effective, a properly completed Election Form and Letter of Transmittal must
be received by Computershare, the Exchange Agent, not later than <B>5:00 p.m., Eastern Time, on the Election Deadline. The Election Deadline is October [</B><B></B>&#9679;<B></B><B></B><B>], 2020, which is the date of the special meeting,</B> <B>or
such later date and time as Flushing and Empire mutually agree. </B>Holders of Empire common stock whose Election Form and Letter of Transmittal and related materials are not properly submitted by the Election Deadline (or who revoke their Election
Form and Letter of Transmittal) will be considered <FONT STYLE="white-space:nowrap">Non-Electing</FONT> shareholders. See Instruction 5 below. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>DESCRIPTION OF SHARES SURRENDERED</B>. Insert in the box in Section&nbsp;1 the number of shares of Empire
common stock that you are surrendering herewith. If this information is already provided in the box in Section&nbsp;1, confirm the information provided and make any necessary corrections. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">3.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>ELECTION CHOICES</B>. In Section&nbsp;2, please indicate whether you would like to receive in exchange
for your Empire common stock (<I>w</I>)&nbsp;the Cash Consideration <U>only</U>, (<I>x</I>)&nbsp;the Stock Consideration <U>only</U>, (<I>y</I>)&nbsp;a combination, consisting of the Cash Consideration for some of your shares of Empire common stock
and the Stock Consideration for the remainder of your shares of Empire common stock, or (<I>z</I>)&nbsp;&#147;No Election.&#148; <B><I>You may make only one of these choices</I></B>. Please see &#147;The Merger Agreement&#151;Merger
Consideration&#148; beginning on page [88] of the Proxy Statement for more information about the Cash Consideration and the Stock Consideration. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">All elections made by Empire shareholders will be subject to allocation and proration as described in the amended merger
agreement and in the Proxy Statement if either the Cash Consideration or the Stock Consideration is oversubscribed. <B><I>As a result, we cannot assure you that you will receive the form of consideration that you elect to receive</I></B>. Please see
&#147;The Merger Agreement&#151;Merger Consideration&#148; beginning on page [88] of the Proxy Statement for more information about the allocation and proration procedures. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B><I>None of Flushing, Empire, or the Exchange Agent makes any recommendation as to the form of the consideration that an
Empire shareholder should elect to receive in exchange for Empire common stock in the merger. Each holder must make his or her own decision about the election, bearing in mind the consideration received and the tax consequences of the election
chosen. </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">4.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>CHANGE OR REVOCATION OF ELECTION</B>. A holder of Empire common stock who has made an election may, at
any time before the Election Deadline, (<I>x</I>)&nbsp;change the election by submitting a new Election Form and Letter of Transmittal in accordance with the procedures described herein, or (<I>y</I>)&nbsp;revoke the holder&#146;s election, in each
case by providing written notice to the Exchange Agent prior to the Election Deadline. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">5.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B><FONT STYLE="white-space:nowrap">NON-ELECTING</FONT> STOCK</B>. Holders of Empire common stock who select
&#147;No Election&#148; in Section&nbsp;2, or who fail to submit a properly completed Election Form and Letter of Transmittal by the Election Deadline, or who revoke their previously submitted Election Form and Letter of Transmittal without timely
submitting a new Election Form and Letter of Transmittal, will be deemed to have made &#147;No Election.&#148; Holders of Empire common stock who are deemed to have made &#147;No Election&#148; will receive the Cash Consideration, the Stock
Consideration or a combination of the Cash Consideration and the Stock Consideration for their shares of Empire common stock as determined in accordance with the terms of the amended merger agreement. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">6.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>SIGNATURES</B>. The signature or signatures on the Election Form and Letter of Transmittal should
correspond exactly with the name or names on a security position listing or book-entry account statement. If the Election Form and Letter of Transmittal is signed by person(s) authorized to become registered holder(s) of the shares listed in
Section&nbsp;1 pursuant to transfer documents transmitted herewith, the signature or signatures of the registered owner(s) on such documents should correspond exactly with the name(s) on a security position listing or book-entry account statement,
and the signature(s) appearing on such documents and on the Election Form and Letter of Transmittal must be guaranteed by an eligible guarantor institution that is a member in the Medallion Signature Guarantee Program. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If the Election Form and Letter of Transmittal is signed by a trustee, executor, administrator, guardian, officer of a
corporation, <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact,</FONT></FONT> or other person acting in a representative or fiduciary capacity, the person signing must give the person&#146;s full title in that
capacity and must submit appropriate evidence of authority to act in that capacity to the Exchange Agent with the Election Form and Letter of Transmittal. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If certificates for shares of Flushing common stock and/or a check for cash (including cash with respect to fractional shares
of Flushing common stock) are to be returned in the name of a person other than the person(s) signing this Election Form and Letter of Transmittal or if the check or any shares of Flushing common stock are to be mailed or issued to someone other
than the person(s) signing this Election Form and Letter of Transmittal or are to be returned to the person(s) signing this Election Form and Letter of Transmittal at an address other than that shown above, the appropriate &#147;Special Payment
Instructions&#148; or &#147;Special Delivery Instructions&#148; boxes on this Election Form and Letter of Transmittal should be completed and a Medallion Signature Guarantee must be included. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">7.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>METHOD OF DELIVERY</B>. The method of delivery of the Election Form and Letter of Transmittal and all
other required documents is at the option and sole risk of the holder. If delivery is by mail, registered mail with return receipt requested, properly insured, or overnight delivery service is recommended. </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">8.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>IRS FORM <FONT STYLE="white-space:nowrap">W-9</FONT> or <FONT STYLE="white-space:nowrap">W-8.</FONT>
</B>Under U.S. federal income tax law, a holder of Empire common stock that is a &#147;U.S. person&#148; (as determined for U.S. federal income tax purposes) generally must report and certify such holder&#146;s correct taxpayer identification number
(&#147;<U>TIN</U>&#148;) and further certify that such holder is not subject to backup withholding on a U.S. Internal Revenue Service (&#147;<U>IRS</U>&#148;) Form <FONT STYLE="white-space:nowrap">W-9.</FONT> This Election Form and Letter of
Transmittal includes an IRS Form <FONT STYLE="white-space:nowrap">W-9,</FONT> which each such holder should complete and return with this Election Form and Letter of Transmittal. Failure to provide the information requested on the IRS Form <FONT
STYLE="white-space:nowrap">W-9</FONT> could result in certain penalties as well as backup withholding on any payments of cash due to such holder. If any such holder has been notified by the IRS that it is subject to backup withholding and the IRS
has not subsequently notified such holder that backup withholding has terminated, such holder must strike out the language in clause (2)&nbsp;of Part II on the IRS Form <FONT STYLE="white-space:nowrap">W-9.</FONT> Holders of Empire common stock that
are not &#147;U.S. persons&#148; should complete an appropriate IRS Form <FONT STYLE="white-space:nowrap">W-8,</FONT> found on the IRS website (www.irs.gov), to avoid backup withholding. In addition, failure by a holder of Empire common stock to
provide a properly completed IRS Form <FONT STYLE="white-space:nowrap">W-9</FONT> or applicable IRS Form <FONT STYLE="white-space:nowrap">W-8</FONT> may result in withholding under the Foreign Account Tax Compliance Act (&#147;<U>FATCA</U>&#148;).
For further information concerning backup withholding and FATCA withholding, see the &#147;Important Tax Information&#148; section of this Election Form and Letter of Transmittal.<B> </B> </P></TD></TR></TABLE>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">9.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>TRANSFER TAXES. </B>In the event that any transfer, documentary, sales, use, stamp, registration or other
similar taxes (&#147;<U>Transfer Taxes</U>&#148;) become payable by reason of the payment of any portion of the merger consideration in any name other than that of the registered holder, such transferee or assignee must pay such Transfer Taxes or
establish that such Transfer Taxes have been paid or are not applicable. </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">10.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>DETERMINATIONS</B>. All determinations concerning this Election Form and Letter of Transmittal, including
determinations about the effectiveness of any elections (including time of receipt) or the computation of allocations, will be made by Flushing and/or the Exchange Agent. Flushing and/or the Exchange Agent shall have the right, in their sole and
absolute discretion, to reject any and all Election Forms and Letters of Transmittal that are not in proper form and to waive any irregularities, and such determinations shall be final and binding. Neither Flushing nor the Exchange Agent is under
any obligation to inform any holder of Empire common stock of any defect in an Election Form and Letter of Transmittal, and neither Flushing nor the Exchange Agent will incur any liability for failure to give any such notice. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center">* * * </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="justify"><B>Important: This
Election Form and Letter of Transmittal (or a manually signed facsimile thereof) together with any signature guarantees, and any other required documents, must be received by the Exchange Agent prior to the Election Deadline. </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><I>The Exchange Agent for the Merger is: </I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center"><B>Computershare Trust Company, N.A. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center">Attn: Corporate Actions Voluntary </P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center">150 Royall St, Suite V </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman" ALIGN="center">Canton, MA
02021 </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TO SHAREHOLDERS OF EMPIRE BANCORP, INC. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ELECTION FORM AND LETTER OF TRANSMITTAL INFORMATION BOOKLET </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">This information booklet from Flushing Financial Corporation (&#147;<U>Flushing</U>&#148;) is provided to shareholders of
Empire Bancorp, Inc. (&#147;<U>Empire</U>&#148;). It answers frequently asked questions, briefly describes your options and provides information and instructions on how to make your election. We urge you to read the instructions to the enclosed
Election Form and Letter of Transmittal carefully and review the Frequently Asked Questions below, as well as the proxy statement/prospectus dated [<FONT STYLE="font-family:SYMBOL; font-size:10pt" COLOR="#000000">&#183;</FONT><FONT
STYLE="font-family:Times New Roman">], 2020 (as amended and supplemented from time to time, the &#147;<U>Proxy Statement</U>&#148;), which you received concurrently with this material and in connection with Empire&#146;s special meeting of
shareholders to be held on [</FONT><FONT STYLE="font-family:SYMBOL; font-size:10pt" COLOR="#000000">&#183;</FONT><FONT STYLE="font-family:Times New Roman">], 2020. After reviewing this material, please complete the Election Form and Letter of
Transmittal and send it in the enclosed envelope to Flushing&#146;s exchange agent, Computershare Trust Company, N.A. (the &#147;<U>Exchange Agent</U>&#148;). If you have additional questions after reading this material, you should contact Morrow
Sodali, at (800) <FONT STYLE="white-space:nowrap">662-5200</FONT> or </FONT><FONT STYLE="font-family:Times New Roman; font-size:10pt" COLOR="#0563c1"><U>EMPK@investor.morrowsodali.com</U></FONT><FONT STYLE="font-family:Times New Roman">. </FONT></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>The deadline for receipt of your Election Form and Letter of Transmittal and related materials is 5:00 P.M., Eastern time,
on October [&#149;], 2020, or such later date and time as Flushing and Empire mutually agree (the &#147;<U>Election Deadline</U>&#148;). We anticipate that the merger will be completed in the fourth quarter of 2020, but there can be no assurance
that will be the case. </B></P> <P STYLE="margin-top:16pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>FREQUENTLY ASKED QUESTIONS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>1.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Why have I been sent an Election Form and Letter of Transmittal? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">On August&nbsp;14, 2020, Flushing and Empire entered into Amendment No.&nbsp;2 (the &#147;<U>amendment</U>&#148;) to the
Agreement and Plan of Merger, dated October&nbsp;24, 2019, by and among Flushing, Empire and Lighthouse Acquisition Co., Inc., a wholly-owned subsidiary of Flushing (the &#147;<U>original merger agreement</U>&#148;), as amended by Amendment
No.&nbsp;1, dated December&nbsp;6, 2019 (&#147;<U>amendment no. 1</U>&#148;). We collectively refer to the original merger agreement, as amended by amendment no. 1, as the &#147;<U>merger agreement</U>,&#148; and as further amended by the amendment,
the &#147;<U>amended merger agreement</U>&#148;). A copy of each of the amendment, the original merger agreement and amendment no. 1 are attached as Annex A, Annex B and Annex C, respectively, to the Proxy Statement. Under the amended merger
agreement, you, as an Empire shareholder, have the option to elect to receive, in exchange for each share of Empire common stock that you own at the effective time of the merger, either (1)&nbsp;a cash payment of $14.04, without interest (the
&#147;<U>Cash Consideration</U>&#148;), or (2) 0.6548 shares of Flushing common stock (the &#147;<U>Stock Consideration</U>&#148; and, together with the Cash Consideration, the &#147;M<U>erger Consideration</U>&#148;), subject to the proration
procedures described in the amended merger agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An Election Form and Letter of Transmittal is being mailed to each
shareholder holding Empire common stock. It is to be used by you to make your election as to the form of the Merger Consideration to be received in exchange for your shares of Empire common stock. If you also hold shares with a brokerage firm, you
will receive election instructions from that firm. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>2.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>What is the Election Form and Letter of Transmittal? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The enclosed Election Form and Letter of Transmittal lets us know your election as to the form of the Merger Consideration to
be received in exchange for your shares of Empire common stock. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>3.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>How do I complete the Election Form and Letter of Transmittal? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The Election Form and Letter of Transmittal is divided into separate sections. Instructions for completing each section are set
forth in the Election Form and Letter of Transmittal, where applicable. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">When completed, please sign and date the Election
Form and Letter of Transmittal and send it to the Exchange Agent in the enclosed envelope along with any related materials so that you can make your election as to the form of the Merger Consideration to be received in exchange for your shares of
Empire Common Stock. Please see Question 15 for important information concerning the transmittal of your Election Form and Letter of Transmittal to the Exchange Agent. Please note that if your shares are held jointly, signatures of both owners are
required. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Consistent with the terms of the amended merger agreement, the Election Form and Letter of Transmittal
authorizes the Exchange Agent to take all actions necessary to accomplish the delivery of the Merger Consideration to be received by you in exchange for your shares of Empire common stock. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>Please return your Election Form and Letter of Transmittal and any related materials in the enclosed envelope. </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>4.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>How do I make an election if I hold my shares through a broker or other nominee?
</B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If you hold your shares of Empire common stock through a broker or other nominee, they must make an
election for your shares on your behalf in accordance with your instructions. Please instruct them how to exchange your shares by completing the election instructions you will receive from them. Please contact your broker with any questions. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>5.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>When is my Election Form and Letter of Transmittal due? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Your Election Form and Letter of Transmittal and any related materials must be <B>received</B> by the Exchange Agent by the
Election Deadline. If you hold your shares through a broker or other nominee, you must return your election instructions to them in time for them to respond by the Election Deadline. Please refer to the instructions provided by your broker or other
nominee. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>6.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>What happens if I do not make an election, indicate more than one election choice on the same Election
Form and Letter of Transmittal or miss the Election Deadline? </B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If you do not make an election,
indicate more than one election choice on the same Election Form and Letter of Transmittal or miss the Election Deadline, you will be deemed to have made &#147;No Election.&#148; Holders of Empire common stock who are deemed to have made &#147;No
Election&#148; will receive the Cash Consideration, the Stock Consideration or a combination of the Cash Consideration and the Stock Consideration for their shares of Empire common stock as determined in accordance with the terms of the amended
merger agreement. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>7.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>I have received more than one set of identical election materials related to the amended merger agreement
in connection with the election. Do I need to complete them all? </B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Yes. If you received more than one
set of election materials, this indicates that you own stock in more than one manner or you own stock in more than one name. For example, you may have shares registered directly with Empire; you may own Empire shares through a third party, such as a
broker; or you may own shares in both single name and joint name. Each set of election materials you receive is specific to the manner in which you hold your shares of Empire common stock. Failure to properly complete an Election Form and Letter of
Transmittal means that no election will be made with respect to the shares to which that Election Form and Letter of Transmittal applies. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>8.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Under the terms of the amended merger agreement, what will I receive in exchange for my Empire shares
upon completion of the merger? </B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">You may elect to receive, for each share of Empire common stock that
you own at the effective time of the merger, either (1)&nbsp;the Cash Consideration or (2)&nbsp;the Stock Consideration, subject to the proration procedures described in the amended merger agreement. Please note that any election that you make will
be subject to the allocation and proration procedures described in the amended merger agreement and the Proxy Statement to ensure that 50% of the total number of shares of Empire common stock to be converted in the merger will be converted into Cash
Consideration, and the remaining 50% of the total number of shares of Empire common stock will be converted into Stock Consideration. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Do I have to make the same election with respect to all of the Empire shares that I own?
</B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">No. You may elect to receive the Cash Consideration for some of your shares of Empire common stock
and the Stock Consideration for the remainder of your shares by checking the applicable box in Section&nbsp;2 of the Election Form and Letter of Transmittal. For any shares of Empire common stock held by you that are not covered by a validly
submitted Election Form and Letter of Transmittal you will be deemed to have made &#147;No Election.&#148; </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Am I guaranteed to receive what I ask for on the election form? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">No. Pursuant to the terms of the amended merger agreement, 50% of the total number of shares of Empire common stock to be
converted in the merger will be converted into Cash Consideration, and the remaining 50% of the total number of shares of Empire common stock will be converted into Stock Consideration. As a result, if Empire shareholders make valid elections to
receive either the Stock Consideration or the Cash Consideration for their shares of Empire common stock than is available as Merger Consideration under the amended merger agreement, those Empire shareholders electing the over-subscribed form of
consideration may have the over-subscribed form of consideration proportionately reduced and substituted with consideration in the other form, despite their election. Any election that you make will be subject to the allocation and proration
procedures described in the amended merger agreement and the Proxy Statement to ensure that 50% of the total number of shares of Empire common stock to be converted in the merger will be converted into Stock Consideration and the remaining 50% of
the total number of shares of Empire common stock will be converted into Cash Consideration. <B>As a result, we cannot assure you that you will receive the form of consideration you elect to receive.</B> </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>11.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Will I receive any fractional shares? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">No. Flushing will not issue fractional shares or certificates for fractional shares. Instead, Flushing will pay to each holder
of Empire common stock who would otherwise be entitled to a fractional share of Flushing common stock an amount in cash, without interest, rounded to the nearest cent, determined by multiplying (i)&nbsp;the volume-weighted average trading price of
Flushing common stock on NASDAQ (as reported by The Wall Street Journal) for the five consecutive trading days ending on the last trading day preceding the effective time of the merger, by (ii)&nbsp;the fraction of a share of Flushing common stock
(rounded to the nearest thousandth when expressed in decimal form) that such holder would otherwise have been entitled to receive. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>12.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Will I receive a Flushing stock certificate? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Shares of Flushing common stock shall be evidenced in book entry form or, in Flushing&#146;s sole discretion, certificates.
</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>13.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>What happens if I already made an election prior to the date of the Proxy Statement and receipt of the
Form of Election and Letter of Transmittal? </B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If you made a valid election prior to the date of the
Proxy Statement and receipt of the Form of Election and Letter of Transmittal, such election remains valid unless and until you, at any time before the Election Deadline, change or revoke such election in accordance with the procedures described in
the Form of Election and Letter of Transmittal. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>14.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>What are the tax consequences associated with each of the election options? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">The U.S. federal income tax consequences of the merger to you may depend on whether you receive the Cash Consideration, the
Stock Consideration or a combination of both in exchange for your shares of Empire common stock. You should consult your own tax advisors regarding your election decision. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>15.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>How should I send in my signed documents? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">An envelope addressed to the Exchange Agent is enclosed with this package. You may use this envelope to return your Election
Form and Letter of Transmittal, and any additional documentation that may be required to make your election complete. If you do not have the envelope, you may send the Election Form and Letter of Transmittal and any additional documentation to: </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="34%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="33%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><U>If delivering by mail:</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Computershare Trust Company, N.A.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Attn: Corporate Actions Voluntary</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">P.O. Box 43011</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Providence, RI
02940-3011</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><U>Email Transmission:</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">For Eligible Institutions Only:</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><FONT
 COLOR="#0563c1"><U>CANOTICEOFGUARANTEE@computershare.com</U></FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><U>If delivering by courier:</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Computershare Trust Company, N.A.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Attn: Corporate Actions Voluntary</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">150
Royall St, Suite V</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Canton, MA 02021</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">You may instead choose to send your documentation to the Exchange Agent by an overnight
delivery service, also properly insured. The amount of insurance that may be purchased from overnight delivery services may be greater than is available if you send the documents by mail.<B>&nbsp;Please do not return any documents to Flushing or
Empire.</B> </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>16.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Are there any fees associated with the exchange of Empire common stock for the Merger Consideration?
</B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">There are no fees associated with the exchange of your Empire common stock for the Merger
Consideration unless you request to have any check representing the Cash Consideration or cash in lieu of fractional shares or any Stock Consideration issued in a name(s) other than your name. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>17.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>How do I change my address on the Election Form and Letter of Transmittal? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Mark through any incorrect address information that is printed on the front of the Election Form and Letter of Transmittal.
Clearly print the correct address in the area beside the printed information. If you would like to receive the Merger Consideration at a different address from that imprinted on the front of the Election Form and Letter of Transmittal, please
complete the box entitled &#147;Special Delivery Instructions&#148; on the Election Form and Letter of Transmittal. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>18.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>What do I do if: </B></P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(a)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify">I want the Stock Consideration to be issued to someone else? </P></TD></TR></TABLE>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(b)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify">I want the check for any cash to be received by me to be made payable to someone else?
</P></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="5%" VALIGN="top" ALIGN="left">(c)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify">The owner or <FONT STYLE="white-space:nowrap">co-owner</FONT> of the Empire common stock is deceased?
</P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Please complete the &#147;Special Payment Instructions&#148; in the Election
Form and Letter of Transmittal in order to have any check representing the Cash Consideration or cash in lieu of fractional shares or any Stock Consideration issued to someone else. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>19.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Will Empire common stock continue to trade until the effective time of the merger?
</B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Yes. Empire common stock will continue to trade during the election period and until the effective
time of the merger. However, after you send your Election Form and Letter of Transmittal to the Exchange Agent, you will not be able to trade your shares of Empire common stock. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>20.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Can I revoke my election? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Any election may be revoked prior to the Election Deadline. To revoke or change an election, a written notice of revocation
must (1)&nbsp;specify the name of the shareholder having made the election to be revoked, and (2)&nbsp;be signed by the shareholder in the same manner as the original signature on the Election Form and Letter of Transmittal by which such election
was made. A new election may be made by submitting a new Election Form and Letter of Transmittal to the Exchange Agent prior to the Election Deadline. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>21.</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="justify"><B>Who do I call if I have additional questions? </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman" ALIGN="justify">You may contact Morrow Sodali, at (800) <FONT STYLE="white-space:nowrap">662-5200</FONT> or <FONT
STYLE="font-family:Times New Roman; font-size:10pt" COLOR="#0563c1"><U>EMPK@investor.morrowsodali.com</U></FONT><FONT STYLE="font-family:Times New Roman">. </FONT></P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DELIVERY INSTRUCTIONS </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><I>Please read and follow the accompanying instructions carefully and deliver to: </I></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Computershare Trust Company, N.A. </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="70%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B><I>By Mail:</I></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt"><B><I>By Registered Mail&nbsp;or Overnight Courier:</I></B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Computershare Trust Company, N.A.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Computershare Trust Company, N.A.</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">c/o Voluntary Corporate Actions</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">c/o Voluntary Corporate Actions</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">P.O. Box 43011</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">150 Royall Street, Suite V</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Providence, RI 02940-3011</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">Canton, MA 02021</P></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>NOTICE OF GUARANTEED DELIVERY </B></P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><B><I>To be used by brokers, dealers and other nominees to make an election if the procedures for delivering the necessary documents cannot be
completed on a timely basis. </I></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman" ALIGN="justify">This form, or a facsimile hereof, must be used in connection with your election if:
</P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">1.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman; " ALIGN="justify">Time will not permit the Election Form and Letter of Transmittal and other required documents to be delivered
to the Exchange Agent on or before 5:00 P.M., Eastern time, on the Election Deadline; or </P></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%">&nbsp;</TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left">2.</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman; " ALIGN="justify">The procedures for book-entry transfer into the Exchange Agent&#146;s account at The Depository Trust Company
(&#147;<U>DTC</U>&#148;) cannot be completed on a timely basis. </P></TD></TR></TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman" ALIGN="justify">This form and the Election Form and
Letter of Transmittal may be delivered by hand, mail or facsimile transmission to the Exchange Agent, and must be received by the Exchange Agent on or before the Election Deadline. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><I>The Exchange Agent is</I>: </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Computershare Trust Company, N.A. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>

<TD WIDTH="35%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><U>If delivering by mail:</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Computershare Trust Company, N.A.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Attn: Corporate Actions Voluntary</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">P.O. Box 43011</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Providence, RI
02940-3011</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><U>Email Transmission:</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">For Eligible Institutions Only:</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><FONT
 COLOR="#0563c1"><U>CANOTICEOFGUARANTEE@computershare.com</U></FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center"><U>If delivering by courier:</U></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Computershare Trust Company, N.A.</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Attn: Corporate Actions Voluntary</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">150
Royall St, Suite V</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:9pt; font-family:Times New Roman" ALIGN="center">Canton, MA 02021</P></TD></TR>
</TABLE> <P STYLE="margin-top:18pt; margin-bottom:0pt; margin-left:2%; font-size:9pt; font-family:Times New Roman"><B>Delivery of this form to an address other than as set forth above or transmission via facsimile to a number
other than one listed above does not constitute a valid delivery. </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:9pt; font-family:Times New Roman" ALIGN="justify">The undersigned hereby surrenders to Computershare
Trust Company, N.A., the Exchange Agent, upon the terms and subject to the conditions set forth in the proxy statement/prospectus dated [<FONT STYLE="font-family:SYMBOL; font-size:9pt" COLOR="#000000">&#183;</FONT><FONT
STYLE="font-family:Times New Roman">], 2020, as amended and supplemented from time to time, and the related Election Form and Letter of Transmittal, receipt of which are hereby acknowledged, the number of shares of common stock of Empire Bancorp,
Inc. set forth on the reverse side of this Notice of Guaranteed Delivery. </FONT></P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="80%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="18%"></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Number&nbsp;of&nbsp;Shares&nbsp;Surrendered:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>DTC&nbsp;Account&nbsp;Number:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Name(s)&nbsp;of&nbsp;Record&nbsp;Holder(s):&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Address:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Telephone Number:
(&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Social Security Number of Employer Identification
Number:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B>Dated:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>, 2020</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR></TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:9pt" ALIGN="center">


<TR>

<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="52%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><B><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Signature(s)</B></TD></TR>
</TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="49%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt"><B>GUARANTEE</B></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" COLSPAN="3" STYLE="BORDER-LEFT:1px solid #000000; BORDER-RIGHT:1px solid #000000; padding-left:8pt; padding-right:2pt">
<P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:10pt">The undersigned, a member firm of a registered national securities exchange, a member of the Financial Industry Regulatory Authority, Inc.,
or a commercial bank or trust company having an office, branch or agency in the United States, hereby guarantees to surrender shares pursuant to the procedure for book-entry transfer into the Exchange Agent&#146;s account at The Depository Trust
Company, together with (i)&nbsp;a properly completed and duly executed Election Form and Letter of Transmittal (or facsimile thereof) with any required signature guarantees, and (ii)&nbsp;any other required document, within&nbsp;<U>two business
days</U>&nbsp;after the Election Deadline.</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="32" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="32" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name of
Firm:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">(Authorized Signature)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Address:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Name:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-right:2pt">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Title:&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</U></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" STYLE="BORDER-LEFT:1px solid #000000; padding-left:8pt">&nbsp;</TD>
<TD HEIGHT="8" COLSPAN="2" STYLE="BORDER-RIGHT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom" STYLE="BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-left:8pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Telephone Number: (&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;)
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;</U></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Dated:<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;</U>, 2020</P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>This form is not to be used to guarantee signatures. If a signature on the Election Form requires a Medallion Signature
Guarantee, such guarantee must appear in the applicable space provided on the Election Form and Letter of Transmittal. If you have any questions required the election materials, please call Morrow Sodali, at (800)
<FONT STYLE="white-space:nowrap">662-5200</FONT> or <FONT STYLE="font-family:Times New Roman" COLOR="#0563c1"><U>EMPK@investor.morrowsodali.com</U></FONT>. </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>IMPORTANT TAX INFORMATION </U></B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">Under U.S. federal income tax law, a shareholder who surrenders its Empire stock in connection with the merger is required, subject to certain
exceptions discussed below, to provide the Exchange Agent with its correct taxpayer identification number (&#147;<U>TIN</U>&#148;) on a U.S. Internal Revenue Service (&#147;<U>IRS</U>&#148;) Form <FONT STYLE="white-space:nowrap">W-9</FONT> and
certify under penalties of perjury that such TIN is correct and that it is not subject to backup withholding. In general, if a shareholder is an individual, the TIN is the social security number of such individual. If the Exchange Agent is not
provided with the correct TIN, a $50 penalty may be imposed by the IRS on the shareholder and any payments of cash made to the shareholder may be subject to backup withholding. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If a shareholder qualifies for an exemption from these backup withholding and reporting requirements (such as the exemption for Subchapter C
corporations or the exemption for certain <FONT STYLE="white-space:nowrap">non-U.S.</FONT> persons, including <FONT STYLE="white-space:nowrap">non-U.S.</FONT> individuals), then, if the shareholder is a U.S. person for U.S. federal income tax
purposes, the shareholder should indicate its exempt status on an IRS Form <FONT STYLE="white-space:nowrap">W-9.</FONT> If the shareholder is a <FONT STYLE="white-space:nowrap">non-U.S.</FONT> person for U.S. federal income tax purposes, it must
submit an applicable IRS Form <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">W-8BEN-E</FONT></FONT> (Certificate of Status of Beneficial Owner for United States Tax Withholding and Reporting (Entities)), signed under penalties of
perjury, attesting to the shareholder&#146;s exempt status, or another appropriate IRS Form <FONT STYLE="white-space:nowrap">W-8,</FONT> as applicable. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">If backup withholding applies, the Exchange Agent is required to withhold at a rate not to exceed, under current law, 24% of any payments of
cash made to the shareholder. Backup withholding is not an additional tax. Rather, the amount withheld will be credited against the U.S. federal income tax liability of the shareholder subject to backup withholding. If withholding results in an
overpayment of taxes, a refund may be obtained from the IRS if the appropriate information is provided in a timely manner to the IRS. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify">In
addition, a shareholder may be subject to a 30% withholding tax under the U.S. Foreign Account Tax Compliance Act (&#147;<U>FATCA</U>&#148;) unless such shareholder submits to the Exchange Agent a properly completed IRS Form <FONT
STYLE="white-space:nowrap">W-9</FONT> or a properly completed applicable IRS Form <FONT STYLE="white-space:nowrap">W-8</FONT> documenting its FATCA-compliant status. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="justify"><B>What Number to Give to the Exchange Agent</B>. The shareholder is required to give the Exchange Agent the TIN (e.g., social security
number, individual taxpayer identification number or employer identification number) of the record owner of the shares of Empire common stock. If the shares are held in more than one name or are not held in the name of the actual owner, consult the
&#147;What Name and Number To Give the Requester&#148; section in the attached IRS Form <FONT STYLE="white-space:nowrap">W-9</FONT> or your tax advisor for additional guidance on which number to report. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">FOR ADDITIONAL INFORMATION, CONTACT YOUR TAX ADVISOR OR THE IRS. </P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt">


<TR>

<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="66%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="2" STYLE="BORDER-LEFT:1.00pt solid #000000; BORDER-RIGHT:1.00pt solid #000000">&nbsp;</TD>
<TD HEIGHT="5" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:9pt">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify">Form&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
<FONT STYLE="font-size:24pt"><B>W-9</B></FONT></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify">(Rev. October 2018)</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" align="left">Department of the Treasury</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify">Internal
Revenue Service</P> <P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1.00pt solid #000000; BORDER-BOTTOM:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Request for Taxpayer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman" ALIGN="center"><B>Identification Number and Certification</B></P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt" align="left">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B></B><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#117;</FONT></SUP><B></B><B> Go to
</B><B><I>www.irs.gov/Form</I></B><I></I><B><I>W9</I></B><I></I><B><I></I></B><B> for instructions and the latest information.</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:0.67em; font-size:9pt; font-family:Times New Roman"><B>Give Form to the requester. Do&nbsp;not send to the IRS.</B></P>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD></TR>
</TABLE> <DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:ARIAL; font-size:7pt">


<TR>

<TD WIDTH="5%"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="1%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="11%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="7%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="middle" ROWSPAN="7" STYLE="BORDER-RIGHT:1px solid #000000; padding-left:8pt"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Print or type.</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">See </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Specific Instructions
</B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center">on page 3.</P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="17" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify"><B>1</B> Name (as shown on your income tax return). Name is required
on this line; do not leave this line blank.</P> <P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="15" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify"><B>2</B> Business name/disregarded entity name, if different from
above</P> <P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="middle" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="19"> <P ALIGN="justify" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Times New Roman; font-size:7pt"><B>3</B> Check appropriate box for federal tax classification of the person whose name is entered on line 1.
Check only <B>one</B> of the&nbsp;<br><FONT STYLE="font-size:7pt">&nbsp;&nbsp; following seven boxes.</FONT></P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="3">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3" ROWSPAN="3" NOWRAP> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman"><B>4</B>&nbsp;Exemptions&nbsp;(codes&nbsp;apply&nbsp;only&nbsp;to<BR>certain entities, not individuals;
see<BR>instructions on page 3): </P> <P STYLE="font-size:15pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman">Exempt payee code (if
any)&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P> <P STYLE="font-size:15pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman">Exemption&nbsp;from&nbsp;FATCA&nbsp;reporting<BR>code (if
any)&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></P>
<P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:5pt; font-family:Times New Roman"><I>(Applies to accounts maintained</I><B><I> </I></B><I>outside the
U.S.)</I></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8.5pt">&#9744;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Individual/sole&nbsp;proprietor&nbsp;or<BR>single-member&nbsp;LLC</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;<FONT STYLE="font-size:8.5pt">&#9744;</FONT>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">C&nbsp;Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&#9744;</FONT>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">S&nbsp;Corporation</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:8.5pt">&nbsp;&nbsp;&#9744;</FONT>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Partnership</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-size:8.5pt">&#9744;</FONT>&nbsp;Trust/estate</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="19"> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:7pt; font-family:Times New Roman"><FONT
STYLE="font-size:8.5pt">&#9744;</FONT>&nbsp;&nbsp;&nbsp;Limitedliability&nbsp;company.&nbsp;Enter&nbsp;the&nbsp;tax&nbsp;classification&nbsp;(C=C&nbsp;corporation,&nbsp;S=S&nbsp;corporation, P=Partnership)&nbsp;&nbsp;<SUP
STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#117;</FONT></SUP>&nbsp;&nbsp;<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>&nbsp;
&nbsp;&nbsp;&nbsp;</P> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; font-size:7pt; font-family:Times New Roman"><B>Note:</B> Check the appropriate box in the
line above for the tax classification of the single-member owner. Do not check LLC if the LLC is classified as a single-member LLC that is disregarded from the owner unless the owner of the LLC is another LLC that is <B>not</B> disregarded from the
owner for U.S. federal tax purposes. Otherwise, a single-member LLC that is disregarded from the owner should check the appropriate box for the tax classification of its owner.</P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:2.00em; text-indent:-2.00em; font-size:7pt; font-family:Times New Roman"><FONT STYLE="font-size:8.5pt">&#9744;</FONT>&nbsp;&nbsp;&nbsp;Other(see instructions)&nbsp;&nbsp;<SUP
STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#117;</FONT></SUP></P> <P STYLE="font-size:3pt; margin-top:0pt; margin-bottom:1pt">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="15" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify"><B>5</B> Address (number, street, and apt. or suite no.) See instructions.</P>
<P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;Requester&#146;s&nbsp;name&nbsp;and&nbsp;address&nbsp;(optional)</P></TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD ROWSPAN="2" VALIGN="top" STYLE="BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD ROWSPAN="2" VALIGN="top" STYLE="BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ROWSPAN="2" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD ROWSPAN="2" VALIGN="top" STYLE="BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="15" STYLE="BORDER-RIGHT:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify"><B>6</B> City, state, and ZIP code</P> <P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" STYLE="BORDER-RIGHT:1px solid #000000; padding-left:8pt">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="15" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="font-size:2pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:7pt; font-family:Times New Roman" ALIGN="justify"><B>7</B> List account number(s)&nbsp;here (optional)</P>
<P STYLE="font-size:10pt; margin-top:0pt; margin-bottom:1pt" align="left">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD COLSPAN="9" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000">&nbsp;&nbsp;</TD></TR>
</TABLE></DIV>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#000000"><FONT COLOR="#FFFFFF"><B>Part I</B></FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Taxpayer Identification Number (TIN)</B></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="56%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ROWSPAN="8"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Enter your TIN in the appropriate box. The TIN provided must match the name given on line 1 to avoid backup withholding. For
individuals, this is generally your social security number (SSN). However, for a resident alien, sole proprietor, or disregarded entity, see the instructions for Part I, later. For other entities, it is your employer identification number (EIN). If
you do not have a number, see <I>How to get a TIN</I>, later.</P> <P STYLE="font-size:4pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman"><B>Note:</B> If the
account is in more than one name, see the instructions for line 1. Also see <I>What Name</I> <I>and</I> <I>Number To Give</I> the <I>Requester</I> for guidelines on whose number to enter.</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="21" VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:1pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="21" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.57em; font-size:7pt; font-family:Times New Roman"><B>Social security number</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:3pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&#150;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-RIGHT:1px solid #000000">&#150;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000; padding-right:2pt">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:10pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="21"><FONT STYLE="font-family:Times New Roman; font-size:9pt"><B>or</B></FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:1pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="19" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:0.57em; font-size:7pt; font-family:Times New Roman"><B>Employer identification number</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:3pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:ARIAL; font-size:7pt">
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center">&#150;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-RIGHT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="6%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" BGCOLOR="#000000"><FONT COLOR="#FFFFFF"><B>Part II</B></FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Certification</B></TD></TR>
</TABLE> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Under penalties of perjury, I certify that: </P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">1.</TD>
<TD WIDTH="1%" VALIGN="top" >&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me); and </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">2.</TD>
<TD WIDTH="1%" VALIGN="top" >&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a
failure to report all interest or dividends, or (c) the IRS has notified me that I am no longer subject to backup withholding; and </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">3.</TD>
<TD WIDTH="1%" VALIGN="top" >&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">I am a U.S. citizen or other U.S. person (defined below); and </TD></TR></TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">4.</TD>
<TD WIDTH="1%" VALIGN="top" >&nbsp;</TD>
<TD ALIGN="left" VALIGN="top">The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct. </TD></TR></TABLE>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Certification instructions.</B> You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding
because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to
an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. See the instructions for Part II, later. </P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD WIDTH="47%"></TD>

<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD WIDTH="36%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-size:10pt"><B>Sign&nbsp;&nbsp;<BR>Here&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Signature of<BR>U.S.
person&nbsp;&nbsp;</B><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#117;</FONT></SUP><B></B><B></B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><B>Date&nbsp;&nbsp;</B><SUP STYLE="font-size:85%; vertical-align:top"><FONT STYLE="FONT-FAMILY:'WINGDINGS 3'">&#117;</FONT></SUP><B></B><B></B></TD></TR>
</TABLE>
<P STYLE="font-size:3pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV STYLE="position:relative;float:left; width:48%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>General Instructions </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Section references are to the Internal Revenue Code unless otherwise noted. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Future developments</B>. For the latest information about developments related to Form W-9 and its instructions, such as legislation enacted after they were
published, go to <I>www.irs.gov/FormW9.</I> </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Purpose of Form </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">An individual or entity (Form W-9 requester) who is required to file an information return with the IRS must obtain your correct taxpayer identification number
(TIN) which may be your social security number (SSN), individual taxpayer identification number (ITIN), adoption taxpayer identification number (ATIN), or employer identification number (EIN), to report on an information return the amount paid to
you, or other amount reportable on an information return. Examples of information returns include, but are not limited to, the following. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form
1099-INT (interest earned or paid) </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1099-DIV (dividends, including those from stocks or mutual funds) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:7.5pt; font-family:Times New Roman">&#9679; Form 1099-MISC (various types of income, prizes, awards, or gross proceeds)
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:3%; width:49%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1099-B (stock or mutual fund sales and certain other transactions by brokers) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1099-S (proceeds from real estate transactions) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1099-K (merchant card and third party network transactions) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1098 (home mortgage interest), 1098-E (student loan interest), <FONT STYLE="white-space:nowrap">1098-T</FONT> (tuition) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1099-C (canceled debt) </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Form 1099-A
(acquisition or abandonment of secured property) </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:8pt; font-size:8pt; font-family:Times New Roman">Use Form W-9 only if you are a U.S. person (including a resident alien), to provide your
correct TIN. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:8pt; font-size:8pt; font-family:Times New Roman"><I>If you do not return Form W-9 to the requester with a TIN, you might be subject to backup withholding. See</I> What is
backup withholding,<I> later.</I> </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:8pt; font-size:8pt; font-family:Times New Roman">By signing the filled-out form, you: </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:8pt; font-size:8pt; font-family:Times New Roman">1. Certify that the TIN you are giving is correct (or you are waiting for a number to be issued), </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:8pt; font-size:8pt; font-family:Times New Roman">2. Certify that you are not subject to backup withholding, or </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:8pt; font-size:8pt; font-family:Times New Roman">3. Claim exemption from backup withholding if you are a U.S. exempt payee. If applicable, you are also certifying that as a U.S. person, your
</P></div><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" ALIGN="center">

<TR>

<TD WIDTH="33%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="33%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">Cat.&nbsp;No.&nbsp;10231X</TD>
<TD VALIGN="bottom" STYLE=" BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:2.00em; font-size:7pt; font-family:Times New Roman" ALIGN="right">Form <B><FONT STYLE="font-size:10pt">W-9</FONT>
</B>(Rev. <FONT STYLE="white-space:nowrap">10-2018)</FONT></P></TD></TR></TABLE>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="101%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman">Form W-9 (Rev. 10-2018) </P></TD>
<TD> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="right">Page&nbsp;<FONT STYLE="font-size:10pt"><B>2</B></FONT> </P></TD></TR></TABLE>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P><DIV STYLE="position:relative;float:left; width:48%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">allocable share of any partnership income from a U.S. trade or business is not subject to the withholding tax on
foreign partners&#146; share of effectively connected income, and </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">4. Certify that FATCA code(s) entered on this form (if any) indicating
that you are exempt from the FATCA reporting, is correct. See <I>What is FATCA reporting, </I>later, for further information. </P> <P STYLE="margin-top:3pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Note</B><B>:</B> If you
are a U.S. person and a requester gives you a form other than Form W-9 to request your TIN, you must use the requester&#146;s form if it is substantially similar to this Form W-9. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Definition of a U.S. person.</B> For federal tax purposes, you are considered a U.S. person if you are: </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; An individual who is a U.S. citizen or U.S. resident alien; </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; A partnership, corporation, company, or association created or organized in the United States or under the laws of the United States; </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; An estate (other than a foreign estate); or </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; A
domestic trust (as defined in Regulations section 301.7701-7). </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Special rules for partnerships.</B> Partnerships that conduct a trade or business in the
United States are generally required to pay a withholding tax under section 1446 on any foreign partners&#146; share of effectively connected taxable income from such business. Further, in certain cases where a Form W-9<B> </B>has not been received,
the rules under section 1446 require a partnership to presume that a partner is a foreign person, and pay the section 1446 withholding tax. Therefore, if you are a U.S. person that is a partner in a partnership conducting a trade or business in the
United States, provide Form W-9 to the partnership to establish your U.S. status and avoid section 1446 withholding on your share of partnership income. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">In the cases below, the following person must give Form W-9 to the partnership for purposes of establishing its U.S. status and avoiding
withholding on its allocable share of net income from the partnership conducting a trade or business in the United States. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; In the case of a
disregarded entity with a U.S. owner, the U.S. owner of the disregarded entity and not the entity; </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; In the case of a grantor trust with a U.S.
grantor or other U.S. owner, generally, the U.S. grantor or other U.S. owner of the grantor trust and not the trust; and </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; In the case of a U.S.
trust (other than a grantor trust), the U.S. trust (other than a grantor trust) and not the beneficiaries of the trust. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Foreign person</B>. If you are a
foreign person or the U.S. branch of<B> </B>a foreign bank that has elected to be treated as a U.S. person, do not use Form W-9. Instead, use the appropriate Form W-8 or Form 8233 (see Pub. 515, Withholding of Tax on Nonresident Aliens and Foreign
Entities). </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Nonresident alien who becomes a resident alien.</B> Generally, only a nonresident alien individual may <B></B>use the terms of a tax treaty
to reduce or eliminate U.S. tax on certain types of income. However, most tax treaties contain a provision known as a &#147;saving clause.&#148; Exceptions specified in the saving clause may permit an exemption from tax to continue for certain types
of income even after the payee has otherwise become a U.S. resident alien for tax purposes. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If you are a U.S. resident alien who is relying
on an exception contained in the saving clause of a tax treaty to claim an exemption from U.S. tax on certain types of income, you must attach a statement to Form W-9 that specifies the following five items. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">1. The treaty country. Generally, this must be the same treaty under which you claimed exemption from tax as a nonresident alien. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">2. The treaty article addressing the income. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">3. The article number (or location) in the tax treaty that contains the saving clause and its exceptions. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">4. The type and amount of income that qualifies for the exemption from tax. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">5. Sufficient facts to justify the exemption from tax under the terms of the treaty article. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman"><B><I>Example</I></B><I>.</I> Article 20 of the U.S.-China income tax treaty allows an exemption from tax for scholarship income received by a
Chinese student temporarily present in the United States. Under U.S. law, this student will become a resident alien for tax purposes if his or her stay in the United States exceeds 5 calendar years. However, paragraph 2 of the first Protocol to the
U.S.-China treaty (dated April 30, 1984) allows the provisions of Article 20 to continue to apply even after the Chinese student becomes a resident alien of the United States. A Chinese student who qualifies for this exception (under paragraph 2 of
the first protocol) and is relying on this exception to claim an exemption from tax on his or her scholarship or fellowship income would attach to Form W-9 a statement that includes the information described above to support that exemption. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If you are a nonresident alien or a foreign entity, give the requester the appropriate completed Form W-8 or Form 8233. </P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Backup Withholding </B></P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>What is backup withholding?</B>
Persons making certain payments to you must under certain conditions withhold and pay to the IRS 24% of such payments. This is called &#147;backup withholding.&#148; Payments that may be subject to backup withholding include interest, tax-exempt
interest, dividends, broker and barter exchange transactions, rents, royalties,
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:3%; width:49%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">
nonemployee pay, payments made in settlement of payment card and third party network transactions, and certain payments from fishing boat operators. Real estate transactions are not subject to
backup withholding. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">You will not be subject to backup withholding on payments you receive if you give the requester your correct TIN, make
the proper certifications, and report all your taxable interest and dividends on your tax return. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Payments you receive will be subject to backup
withholding if: </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">1. You do not furnish your TIN to the requester, </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">2. You do not certify your TIN when required (see the instructions for Part II for details), </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">3. The IRS tells the requester that you furnished an incorrect TIN, </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">4. The IRS tells you that you are subject to backup withholding because you did not report all your interest and dividends on your tax return
(for reportable interest and dividends only), or </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">5. You do not certify to the requester that you are not subject to backup withholding
under 4 above (for reportable interest and dividend accounts opened after 1983 only). </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">Certain payees and payments are exempt from backup
withholding. See <I>Exempt payee code</I>, later, and the separate Instructions for the Requester of Form W-9 for more information. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">Also
see <I>Special</I><I> </I><I>rules</I><I> </I><I>for</I><I> </I><I>p</I><I>a</I><I>r</I><I>t</I><I>nerships</I><I>, </I>earlier. </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>What is FATCA
Reporting? </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">The Foreign Account Tax Compliance Act (FATCA) requires a participating foreign financial institution to report all United States account
holders that are specified United States persons. Certain payees are exempt from FATCA reporting. See <I>Exemption from FATCA reporting code</I>, later, and the Instructions for the Requester of Form W-9 for more information. </P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Updating Your Information </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">You must provide updated
information to any person to whom you claimed to be an exempt payee if you are no longer an exempt payee and anticipate receiving reportable payments in the future from this person. For example, you may need to provide updated information if you are
a C corporation that elects to be an S corporation, or if you no longer are tax exempt. In addition, you must furnish a new Form W-9 if the name or TIN changes for the account; for example, if the grantor of a grantor trust dies. </P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Penalties </B></P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Failure to furnish TIN</B>. If you fail to
furnish your correct TIN to a requester, you are subject to a penalty of $50 for each such failure unless your failure is due to reasonable cause and not to willful neglect. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Civil penalty for false information with respect to withholding</B>. If you make a false statement with no reasonable basis that results in no backup
withholding, you are subject to a $500 penalty. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Criminal penalty for falsifying information</B>. Willfully falsifying certifications or affirmations may
subject you to criminal penalties including fines and/or imprisonment<B>.</B> </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Misuse of TINs</B>. If the requester discloses or uses TINs in violation
of federal law, the requester may be subject to civil and criminal penalties. </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:14pt; font-family:Times New Roman"><B>Specific Instructions </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Line 1 </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">You must enter one of the following on this line;
<B>do not</B> leave this line blank. The name should match the name on your tax return. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If this Form W-9 is for a joint account (other than
an account maintained by a foreign financial institution (FFI)), list first, and then circle, the name of the person or entity whose number you entered in Part I of Form W-9. If you are providing Form W-9 to an FFI to document a joint account, each
holder of the account that is a U.S. person must provide a Form W-9. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">a. <B>Individual.</B> Generally, enter the name shown on your tax
return. If you have changed your last name without informing the Social Security Administration (SSA) of the name change, enter your first name, the last name as shown on your social security card, and your new last name. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Note: ITIN applicant:</B> Enter your individual name as it was entered on your Form W-7 application, line 1a. This should also be the same as the name you
entered on the Form 1040/1040A/1040EZ you filed with your application. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">b. <B>Sole proprietor or single-member LLC.</B> Enter your
individual name as shown on your 1040/1040A/1040EZ on line 1. You may enter your business, trade, or &#147;doing business as&#148; (DBA) name on line 2. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">c. <B>Partnership, LLC that is not a single-member LLC, C&nbsp;corporation, or S corporation.</B> Enter the entity&#146;s name as shown on the
entity&#146;s tax return on line 1 and any business, trade, or DBA name on line&nbsp;2. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">d. <B>Other entities.</B> Enter your name as shown
on required U.S. federal tax documents on line 1. This name should match the name shown on the charter or other legal document creating the entity. You may enter any business, trade, or DBA name on line 2.
</P></div><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="101%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman">Form W-9 (Rev. 10-2018) </P></TD>
<TD> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="right">Page&nbsp;<FONT STYLE="font-size:10pt"><B>3</B></FONT> </P></TD></TR></TABLE>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P><DIV STYLE="position:relative;float:left; width:48%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">e. <B>Disregarded entity.</B> For U.S. federal tax purposes, an entity that is disregarded as an
entity separate from its owner is treated as a &#147;disregarded entity.&#148; See Regulations section 301.7701-2(c)(2)(iii). Enter the owner&#146;s name on line 1. The name of the entity entered on line 1 should never be a disregarded entity. The
name on line 1 should be the name shown on the income tax return on which the income should be reported. For example, if a foreign LLC that is treated as a disregarded entity for U.S. federal tax purposes has a single owner that is a U.S. person,
the U.S. owner&#146;s name is required to be provided on line 1. If the direct owner of the entity is also a disregarded entity, enter the first owner that is not disregarded for federal tax purposes. Enter the disregarded entity&#146;s name on line
2, &#147;Business name/disregarded entity name.&#148; If the owner of the disregarded entity is a foreign person, the owner must complete an appropriate Form W-8 instead of a Form W-9. This is the case even if the foreign person has a U.S. TIN. </P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Line 2 </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">If you have a business name, trade name, DBA name,
or disregarded entity name, you may enter it on line 2. </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Line 3 </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Check the appropriate box on line 3 for the U.S. federal tax classification of the person whose name is entered on line 1. Check only one box on line&nbsp;3.
</P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="48%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1px solid #000000"><B>IF the entity/person on line 1<BR>is a(n) . . .</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1px solid #000000"><B>THEN check the box for . . .</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&#9679; Corporation</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">Corporation</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Individual</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Sole proprietorship, or</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman">&#9679; Single-member limited
liability company (LLC) owned by an individual and disregarded for U.S. federal tax purposes.</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">Individual/sole proprietor or single-member LLC</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; LLC treated as a partnership for U.S. federal tax purposes,</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; LLC that has filed Form 8832 or 2553 to be taxed as a corporation, or</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman">&#9679; LLC that is disregarded as an entity separate from its owner but the owner is another LLC that is not disregarded for U.S. federal tax
purposes.</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Limited liability company and enter the appropriate tax classification.</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman">(P= Partnership; C=&nbsp;C&nbsp;corporation; or S= S corporation)</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&#9679; Partnership</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">Partnership</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">&#9679; Trust/estate</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">Trust/estate</TD></TR>
</TABLE> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Line 4, Exemptions </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">If you
are exempt from backup withholding and/or FATCA reporting, enter in the appropriate space on line 4 any code(s) that may apply to you. </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:8.5pt; font-family:Times New Roman"><B>Exempt payee
code. </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Generally, individuals (including sole proprietors) are not exempt from backup withholding. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Except as provided below, corporations are exempt from backup withholding for certain payments, including interest and dividends. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Corporations are not exempt from backup withholding for payments made in settlement of payment card or third party network transactions. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Corporations are not exempt from backup withholding with respect to attorneys&#146; fees or gross proceeds paid to attorneys, and corporations that
provide medical or health care services are not exempt with respect to payments reportable on Form 1099-MISC. </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">The following codes identify
payees that are exempt from backup withholding. Enter the appropriate code in the space in line 4. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;1&#151;An organization exempt
from tax under section 501(a), any IRA, or a custodial account under section 403(b)(7) if the account satisfies the requirements of section 401(f)(2) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;2&#151;The United States or any of its agencies or instrumentalities </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;3&#151;A state, the District of Columbia, a U.S. commonwealth or possession, or any of their political subdivisions or instrumentalities
</P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;4&#151;A foreign government or any of its political subdivisions, agencies, or instrumentalities </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;5&#151;A corporation </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;6&#151;A dealer in securities or commodities required to register in the United States, the District of Columbia, or a U.S. commonwealth
or possession </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;7&#151;A futures commission merchant registered with the Commodity Futures Trading Commission </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;8&#151;A real estate investment trust </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;9&#151;An entity registered at all times during the tax year under the Investment Company Act of 1940 </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">10&#151;A common trust fund operated by a bank under section 584(a)
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:3%; width:49%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">11&#151;A financial institution </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">12&#151;A middleman known in the investment community as a nominee or custodian </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">13&#151;A trust exempt from tax under section 664 or described in section 4947 </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">The following chart shows types of payments that may be exempt from backup withholding. The chart applies to the exempt payees listed above, 1
through 13. </P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="49%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1px solid #000000"><B>IF the payment is for . . .</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1.00pt solid #000000; BORDER-BOTTOM:1px solid #000000"><B>THEN the payment is exempt<BR>for . . .</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">Interest and dividend payments</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">All exempt payees except for 7</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">Broker transactions</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">Exempt payees 1 through 4 and 6 through 11 and all C corporations. S corporations must not enter an exempt payee code because they are exempt only for sales of noncovered securities
acquired prior to 2012.</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Barter exchange transactions and</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman">patronage dividends</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">Exempt payees 1 through 4</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">Payments over $600 required to be reported and direct sales over $5,000<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Generally, exempt payees</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman">1 through 5<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">Payments made in settlement of payment&nbsp;card&nbsp;or&nbsp;third&nbsp;party&nbsp;network transactions</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">Exempt payees 1 through 4</TD></TR>
</TABLE> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">See Form 1099-MISC, Miscellaneous Income, and its instructions. </P></TD></TR></TABLE>
<P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left">However, the following payments made to a corporation and reportable on Form 1099-MISC are not exempt from
backup withholding: medical and health care payments, attorneys&#146; fees, gross proceeds paid to an attorney reportable under section 6045(f), and payments for services paid by a federal executive agency. </P></TD></TR></TABLE>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Exemption from FATCA reporting code</B>. The following codes identify payees that are exempt from reporting under FATCA. These codes apply to persons
submitting this form for accounts maintained outside of the United States by certain foreign financial institutions. Therefore, if you are only submitting this form for an account you hold in the United States, you may leave this field blank.
Consult with the person requesting this form if you are uncertain if the financial institution is subject to these requirements. A requester may indicate that a code is not required by providing you with a Form W-9 with &#147;Not Applicable&#148;
(or any similar indication) written or printed on the line for a FATCA exemption code. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">A&#151;An organization exempt from tax under section
501(a) or any individual retirement plan as defined in section 7701(a)(37) </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">B&#151;The United States or any of its agencies or
instrumentalities </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">C&#151;A state, the District of Columbia, a U.S. commonwealth or possession, or any of their political subdivisions or
instrumentalities </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">D&#151;A corporation the stock of which is regularly traded on one or more established securities markets, as described
in Regulations section <FONT STYLE="white-space:nowrap">1.1472-1(c)(1)(i)</FONT> </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">E&#151;A corporation that is a member of the same expanded
affiliated group as a corporation described in Regulations section 1.1472-1(c)(1)(i) </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">F&#151;A dealer in securities, commodities, or
derivative financial instruments (including notional principal contracts, futures, forwards, and options) that is registered as such under the laws of the United States or any state </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">G&#151;A real estate investment trust </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">H&#151;A regulated investment company as defined in section 851 or an entity registered at all times during the tax year under the Investment
Company Act of 1940 </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">I&#151;A common trust fund as defined in section 584(a) </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">J&#151;A bank as defined in section 581 </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">K&#151;A broker </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">L&#151;A trust
exempt from tax under section 664 or described in section&nbsp;4947(a)(1) </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">M&#151;A tax exempt trust under a section 403(b) plan or section
457(g) plan </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Note:</B> You may wish to consult with the financial institution requesting this form to determine whether the FATCA code and/or exempt
payee code should be completed. </P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Line 5 </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Enter your
address (number, street, and apartment or suite number). This is where the requester of this Form W-9 will mail your information returns. If this address differs from the one the requester already has on file, write NEW at the top. If a new address
is provided, there is still a chance the old address will be used until the payor changes your address in their records. </P></div><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="101%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman">Form W-9 (Rev. 10-2018) </P></TD>
<TD> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="right">Page&nbsp;<FONT STYLE="font-size:10pt"><B>4</B></FONT> </P></TD></TR></TABLE>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P><DIV STYLE="position:relative;float:left; width:48%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:11pt; font-family:Times New Roman"><B>Line 6 </B></P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Enter your city, state, and ZIP code. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Part I. Taxpayer
Identification Number (TIN) </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Enter your TIN in the appropriate box.</B> If you are a resident alien and you do not have and are not eligible to get
an SSN, your TIN is your IRS individual taxpayer identification number (ITIN). Enter it in the social security number box. If you do not have an ITIN, see<I> How to get a TIN</I> below. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If you are a sole proprietor and you have an EIN, you may enter either your SSN or EIN. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If you are a single-member LLC that is disregarded as an entity separate from its owner, enter the owner&#146;s SSN (or EIN, if the owner has
one). Do not enter the disregarded entity&#146;s EIN. If the LLC is classified as a corporation or partnership, enter the entity&#146;s EIN. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Note:</B>
See <I>What Name and Number To Give the Requester</I>, later, for further clarification of name and TIN combinations. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>How to get a TIN.</B> If you do
not have a TIN, apply for one immediately. To apply for an SSN, get Form SS-5, Application for a Social Security Card, from your local SSA office or get this form online at <I>www.SSA.gov</I>. You may also get this form by calling 1-800-772-1213.
Use Form W-7, Application for IRS Individual Taxpayer Identification Number, to apply for an ITIN, or Form SS-4, Application for Employer Identification Number, to apply for an EIN. You can apply for an EIN online by accessing the IRS website at
<I>www.irs.gov/Businesses</I> and clicking on Employer Identification Number (EIN) under Starting a Business. Go to<I> www.irs.gov/Forms</I> to view, download, or print Form W-7 and/or Form SS-4. Or, you can go to <I>www.irs.gov/OrderForms</I> to
place an order and have Form W-7 and/or SS-4 mailed to you within 10 business days. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If you are asked to complete Form W-9 but do not have a
TIN, apply for a TIN and write &#147;Applied For&#148; in the space for the TIN, sign and date the form, and give it to the requester. For interest and dividend payments, and certain payments made with respect to readily tradable instruments,
generally you will have 60 days to get a TIN and give it to the requester before you are subject to backup withholding on payments. The 60-day rule does not apply to other types of payments. You will be subject to backup withholding on all such
payments until you provide your TIN to the requester. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Note:</B> Entering &#147;Applied For&#148; means that you have already applied for a TIN or that
you intend to apply for one soon. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Caution:</B> A disregarded U.S. entity that has a foreign owner must use the appropriate Form W-8. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Part II. Certification </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">To establish to the withholding
agent that you are a U.S. person, or resident alien, sign Form W-9. You may be requested to sign by the withholding agent even if item 1, 4, or 5 below indicates otherwise. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">For a joint account, only the person whose TIN is shown in Part I should sign (when required). In the case of a disregarded entity, the person
identified on line 1 must sign. Exempt payees, see<I> Exempt payee code</I>, earlier. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Signature requirements.</B> Complete the certification as
indicated in items 1 through 5 below. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman"><B>1.</B> <B>Interest, dividend, and barter exchange accounts opened before 1984 and broker accounts
considered active during 1983</B>. You must give your correct TIN, but you do not have to sign the certification. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman"><B>2.</B> <B>Interest,
dividend, broker, and barter exchange accounts opened after 1983 and broker accounts considered inactive during 1983</B>. You must sign the certification or backup withholding will apply. If you are subject to backup withholding and you are merely
providing your correct TIN to the requester, you must cross out item 2 in the certification before signing the form. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman"><B>3.</B> <B>Real
estate transactions</B>. You must sign the certification. You may cross out item 2 of the certification. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman"><B>4.</B> <B>Other payments</B>.
You must give your correct TIN, but you do not have to sign the certification unless you have been notified that you have previously given an incorrect TIN. &#147;Other payments&#148; include payments made in the course of the requester&#146;s trade
or business for rents, royalties, goods (other than bills for merchandise), medical and health care services (including payments to corporations), payments to a nonemployee for services, payments made in settlement of payment card and third party
network transactions, payments to certain fishing boat crew members and fishermen, and gross proceeds paid to attorneys (including payments to corporations). </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman"><B>5. Mortgage interest paid by you, acquisition or abandonment of secured property, cancellation of debt, qualified tuition program payments
(under section 529), ABLE accounts (under section 529A), IRA, Coverdell ESA, Archer MSA or HSA contributions or distributions, and pension distributions.</B> You must give your correct TIN, but you do not have to sign the certification.
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:3%; width:49%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>What Name and Number To Give the Requester </B></P>
<P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7.5pt" ALIGN="center">


<TR>

<TD></TD>
<TD></TD>
<TD VALIGN="bottom"></TD>

<TD VALIGN="bottom"></TD>
<TD WIDTH="44%"></TD>

<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD WIDTH="47%"></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="5" STYLE="BORDER-TOP:1.00pt solid #000000">&nbsp;</TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1.00pt solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>&nbsp;</B></TD>
<TD VALIGN="bottom" COLSPAN="4" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>For this type of account:</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>Give name and SSN of:</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">1.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.87em; text-indent:-1.87em; font-size:7.5pt; font-family:Times New Roman">Individual</P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The individual</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">2.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Two or more individuals (joint account) other than an account maintained by an FFI</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The actual owner of the account or, if combined funds, the first individual on the account<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">3.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Two or more U.S. persons (joint account maintained by an FFI)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">Each holder of the account</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">4.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Custodial account of a minor (Uniform Gift to Minors Act)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The minor<SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">5.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">a. The usual revocable savings trust (grantor is also trustee)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The grantor-trustee<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">b. So-called trust account that is not a legal or valid trust under state law</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The actual owner<SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">6.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Sole proprietorship or disregarded entity owned by an individual</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The owner<SUP STYLE="font-size:85%; vertical-align:top">3</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">7.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Grantor trust filing under Optional Form 1099 Filing Method 1 (see Regulations section <FONT STYLE="white-space:nowrap">1.671-4(b)(2)(i)(A))</FONT></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The grantor<SUP STYLE="font-size:85%; vertical-align:top">*</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="5" STYLE="BORDER-TOP:1.00pt solid #000000">&nbsp;</TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000; BORDER-TOP:1.00pt solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>For this type of account:</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><B>Give name and EIN of:</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">8.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Disregarded entity not owned by an individual</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The owner</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">9.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">A valid trust, estate, or pension trust</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">Legal entity<SUP STYLE="font-size:85%; vertical-align:top">4</SUP></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">10.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Corporation or LLC electing corporate status on Form 8832 or Form 2553</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The corporation</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">11.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Association, club, religious, charitable, educational, or other tax-exempt organization</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The organization</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">12.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Partnership or multi-member LLC</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The partnership</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">13.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">A broker or registered nominee</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The broker or nominee</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top">&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">14.</TD>
<TD NOWRAP VALIGN="top">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Account with the Department of Agriculture in the name of a public entity (such as a state or local government, school district, or prison) that receives agricultural program payments</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000">&nbsp;</TD>
<TD VALIGN="top">The public entity</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="2" COLSPAN="3"></TD>
<TD HEIGHT="2" COLSPAN="2"></TD>
<TD HEIGHT="2" COLSPAN="2" STYLE="BORDER-LEFT:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:7.5pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000" ALIGN="right">15.</TD>
<TD NOWRAP VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE=" BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">Grantor trust filing under the Form 1041 Filing Method or the Optional Form 1099 Filing Method 2 (see Regulations section 1.671-4(b)(2)(i)(B))</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-BOTTOM:1.00pt solid #000000">&nbsp;</TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1.00pt solid #000000">The trust</TD></TR>
</TABLE> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP> List first and circle the name of the person whose number you furnish. If
only one person on a joint account has an SSN, that person&#146;s number must be furnished. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP> Circle
the minor&#146;s name and furnish the minor&#146;s SSN. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP> You must show your individual name and you
may also enter your business or DBA name on the &#147;Business name/disregarded entity&#148; name line. You may use either your SSN or EIN (if you have one), but the IRS encourages you to use your SSN. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><SUP STYLE="font-size:85%; vertical-align:top">4</SUP> List first and circle the name of the trust, estate, or pension trust. (Do not furnish the TIN of the
personal representative or trustee unless the legal entity itself is not designated in the account title.) Also see <I>Special rules for partnerships,</I> earlier. </P> <P STYLE="font-size:2pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="5" VALIGN="top" ALIGN="left"><B>*</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman; " ALIGN="left"><B>Note:</B> The grantor also must provide a Form W-9 to trustee of trust. </P></TD></TR></TABLE>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Note:</B> If no name is circled when more than one name is listed, the number will be considered to be that of the first name listed. </P>
<P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Secure Your Tax Records From Identity Theft </B></P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Identity theft
occurs when someone uses your personal information such as your name, SSN, or other identifying information, without your permission, to commit fraud or other crimes. An identity thief may use your SSN to get a job or may file a tax return using
your SSN to receive a refund. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">To reduce your risk: </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Protect your SSN, </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Ensure your employer is
protecting your SSN, and </P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">&#9679; Be careful when choosing a tax preparer. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If your tax records are affected by identity theft and you receive a notice from the IRS, respond right away to the name and phone number
printed on the IRS notice or letter. </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If your tax records are not currently affected by identity theft but you think you are at risk due to
a lost or stolen purse or wallet, questionable credit card activity or credit report, contact the IRS Identity Theft Hotline at 1-800-908-4490 or submit Form 14039.
</P></div><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


<Center><DIV STYLE="width:8.5in" align="left">

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR VALIGN="TOP">
<TD WIDTH="101%"> <P STYLE=" margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman">Form W-9 (Rev. 10-2018) </P></TD>
<TD> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:7pt; font-family:Times New Roman" ALIGN="right">Page&nbsp;<FONT STYLE="font-size:10pt"><B>5</B></FONT> </P></TD></TR></TABLE>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000">&nbsp;</P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P><DIV STYLE="position:relative;float:left; width:48%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">For more information, see Pub. 5027, Identity Theft Information for Taxpayers. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">Victims of identity theft who are experiencing economic harm or a systemic problem, or are seeking help in resolving tax problems that have not
been resolved through normal channels, may be eligible for Taxpayer Advocate Service (TAS) assistance. You can reach TAS by calling the TAS toll-free case intake line at 1-877-777-4778 or TTY/TDD <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">1-800-829-4059.</FONT></FONT></FONT> </P> <P STYLE="margin-top:2pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman"><B>Protect yourself from suspicious emails or phishing
schemes.</B> Phishing is the creation and use of email and websites designed to mimic legitimate business emails and websites. The most common act is sending an email to a user falsely claiming to be an established legitimate enterprise in an
attempt to scam the user into surrendering private information that will be used for identity theft.
</P></DIV><DIV STYLE="position:relative;float:left; margin-left:3%; width:49%;padding-right:0%;padding-bottom:8pt;overflow:hidden;padding-top:3pt">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">The IRS does not initiate contacts with taxpayers via emails. Also, the IRS does not request
personal detailed information through email or ask taxpayers for the PIN numbers, passwords, or similar secret access information for their credit card, bank, or other financial accounts. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">If you receive an unsolicited email claiming to be from the IRS, forward this message to <I>phishing@irs.gov</I>. You may also report misuse of
the IRS name, logo, or other IRS property to the Treasury Inspector General for Tax Administration (TIGTA) at 1-800-366-4484. You can forward suspicious emails to the Federal Trade Commission at <I>spam@uce.gov</I> or report them at
<I>www.ftc.gov/complaint.</I> You can contact the FTC at <I>www.ftc.gov/idtheft</I> or 877-IDTHEFT (877-438-4338). If you have been the victim of identity theft, see <I>www.IdentityTheft.gov</I> and Pub. 5027. </P>
<P STYLE="margin-top:2pt; margin-bottom:0pt; text-indent:2%; font-size:8pt; font-family:Times New Roman">Visit <I>www.irs.gov/IdentityTheft</I> to learn more about identity theft and how to reduce your risk.
</P></div><div style="clear:both; height:0pt; font-size:0pt">&nbsp;</div>
 <P STYLE="line-height:2.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:2.00pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman"><B>Privacy Act Notice </B></P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman">Section 6109 of the Internal Revenue
Code requires you to provide your correct TIN to persons (including federal agencies) who are required to file information returns with the IRS to report interest, dividends, or certain other income paid to you; mortgage interest you paid; the
acquisition or abandonment of secured property; the cancellation of debt; or contributions you made to an IRA, Archer MSA, or HSA. The person collecting this form uses the information on the form to file information returns with the IRS, reporting
the above information. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation and to cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering
their laws. The information also may be disclosed to other countries under a treaty, to federal and state agencies to enforce civil and criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You must provide your
TIN whether or not you are required to file a tax return. Under section 3406, payers must generally withhold a percentage of taxable interest, dividend, and certain other payments to a payee who does not give a TIN to the payer. Certain penalties
may also apply for providing false or fraudulent information. </P>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>g922344dsp1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344dsp1.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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MR!R%)ST&>!].*J=/FF[;!&?+'4Z'4O']]H$=O<:]X;N+.SG8+YL5PLI0^C
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2/J*>M);#6X#I5= ZCQTH __9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>9
<FILENAME>g922344dsp2.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344dsp2.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
M!!$%$B$Q008346$'(G$4,H&1H0@C0K'!%5+1\"0S8G*""0H6%Q@9&B4F)R@I
M*C0U-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H.$A8:'
MB(F*DI.4E9:7F)F:HJ.DI::GJ*FJLK.TM;:WN+FZPL/$Q<;'R,G*TM/4U=;7
MV-G:X>+CY.7FY^CIZO'R\_3U]O?X^?H1  (! @0$ P0'!00$  $"=P ! @,1
M! 4A,08205$'87$3(C*!"!1"D:&QP0DC,U+P%6)RT0H6)#3A)?$7&!D:)B<H
M*2HU-C<X.3I#1$5&1TA)2E-455976%E:8V1E9F=H:6IS='5V=WAY>H*#A(6&
MAXB)BI*3E)66EYB9FJ*CI*6FIZBIJK*SM+6VM[BYNL+#Q,7&Q\C)RM+3U-76
MU]C9VN+CY.7FY^CIZO+S]/7V]_CY^O_  !$( #,!A@,!$0 "$0$#$0'_V@ ,
M P$  A$#$0 _ /?Z "@#$\2>*--\*V*7FI,XC>01J(UW,3@GI^%5&#F[(F4E
M%:E7PQXWT?Q9)<1Z:\N^W +K*FTX.>1S[?RJITY0W%":EL=*.E9EA0 4 % !
M0 4 % !0 4 % !0 4 96OWNIV.F/-I.FC4+H, (3*(^.YR?Y4XI-V9,FUJCQ
MG4?C)XECN);9=/L[22-BCJR,S*PX(Y./TKNCAH-:,YG6E<]KT*ZEOO#VFWDQ
M!EGMHY7P,#<R@G^=<+5G8ZD[HT*0RAJ]Q>VFESSZ=9?;;M /+@\P)OY]3TXR
M?PH23=F)W2T/&M9^+_BBQO9K)]*L[*>)MKI(K.RG_OH"NV&&@U=,YI59+1GK
M'A#4[C6?"FG:C=E3<3Q;GVC SD]JY*D>65CH@[Q3-SI4E%6[U"UL4W7,Z1 ]
M-QZ_04 58/$6E7#A([V/<> &RN?SH TP<B@!: *&L:I#HNES:A<1RR10XW+"
MF]CD@<#OUH2N[";L<8WQC\+QL5=;Y6'4&#!'ZUT+#S:T,W5BM 'QD\+'@"]/
MT@_^O2=":W#VL2:V^+GA&XD"-=S09[RP-C],TG0FM056.QV%AJEEJ< FL;J&
MXB(SNB<,/TK)IK1FB:>Q<I#"@ H * "@ H * "@ H * "@ H * "@ H * "@
M H \3^,VH3ZCK%KHMHID6RA:ZG"]N.I^BC/_  *NS#VC[S.6L[NQS?PGUG^R
MO&T$#MMAOD,#9_O=5_48_&M\3'FC<BB[,^CU^Z*\P[1: "@ H * "@ H * "
M@ H * "@!I% 'RGXQ 7QKK8 P/MLO_H9KU:7P(X)_$?2_A7_ )%#1?\ KRA_
M] %>9+XF=L=C7J2A.] 'S)\30!\1=8 &/G3_ -%K7IX?^&<-;XCW/X=?\B!H
MW_7#^IK@J_&SJI_"=-(ZQQ,['"J,D^U9FAY[#-+XH\11QW+L+?)(C!Z*.WU]
MZ +_ (HT.TL+**\LD\ED<*0I/Y_6@#8\*:G+J.F'SV+2PML+'^(=C0!O4 1S
M017$3131I)&W574$'\#0!\\_%_3K/3?&<:65M%;I):I(RQ(%!;<PS@?05Z6&
MD^74XJRM(ZKX.:!I.H^&KR[OM-MKJ87;1AIHE?"A$( STY)K#$S:E9,UHI.)
M+\2_AWI<>A3ZSI%JEI/:C=)'$,(Z9Y..@(Z\>]*C6=[,*E-6NCSCP=XSU#PO
MJT$BW$CV!(6: L2I3/) [$9)%=56E&2TW,(5&G8^GXG62)74@JPR".XKR[6T
M.^]Q] !0 4 % !0 4 <+\1O'1\(6<$=F(I=1N#E$DR55!U8@$?0?CZ5M1I<[
MU,JE11T.H\/WTNI^'=-OYPHEN;>.5PHP 64$X_.LY+E=C2+NC2J1A0 4 % !
M0 4 % !0!'-(L43R.P5%&23T %%KB/*/A[:+XKUGQ1XBO(RT-Z6M(P?[A'(_
M[YV"NFI[B43""YFY'D%U!=:!KLL.XI<V-P0&]&1N#^E=R]^%SGMRRL?5>C:E
M%J^CV>H0_P"KN(5D'MD=/PZ5Y+7*['?%W5PUAM132YVTA('OP!Y2SDA#R,YQ
MSTS0K7U![:'A7B'XD>.-/U.YTZYN8+.>%MKK!$I'3/!.>QKOA0IM71RRJ23L
M:NL_%K4%\.:?#I 8W9@07=ZZ9"R;1D*",9SWK.-!<VHY57;0M_#?QAXJUP:K
M:&>.]GB@$MN]R,*K[@-K%><'G\J*U.,+,=*4F8GB7XB^.=*U6?3;N>WLYXB-
MP@B5AR,C!;/8U=.C3E&Z)E4DG8Z;1?'WB'7= M;/0-+>^U6.("ZNY\+$C?F,
MDCG'\ZQE2C!WD]#2,Y26AR>O^)OB/X;OX_[5OIH&DR8\+&T;8],#%;PA2FM#
M*4JD=STGX;>.9/%UE/!>HB:A:XWE!@2*>C =O?\ "N:M2]FS>G/F(/'WQ*B\
M*RC3[&)+G4BNY@Y^2('IG'4]\4Z-%U-6*I5Y=$87AE?B!XSLSJ<GB/\ LVT<
MD1!(%)?'' &.,]R:J?LZ;Y;$QYYZW,_6/%OCGP#K,=KJEY%J5M(-T;/& )%[
MX( ((]\]JJ%.%5::,ESE3>IZCX4\4V7BS1UOK/*,#MEB8\QMZ>_L:YJE.5-V
M9O&2DKH^<?&7_([:Y_U^R_\ H9KT:7\-'%/XF?2GAAQ'X.T9F. +&')/;Y!7
MFR^([H['F7B?XO7<FI'3?"T*O\_EBY9=QD;.!L7Z]SG/I753PZY>:9C*KK:)
MLP>&OB'/8BYN/&"P7A7<(!"I4'T) Q^0-9N=.]E$=IVNSQCQ))JDOB*].M'.
MHJ^R8X R0 ,\<= *[Z=E'W=CFGOJ?1?PZ_Y$#1O^N']37F5OC9V4_A.CN8O.
MM98LXWJ5S]169H>7V%S+H^L)*ZD-"Y5U]NA% &[XEU=-56WT_3PT^XAV*CJ<
M<#_&@#H/#FE-I.F[92/.D.YP.WH* %F\3:9!>"U,Q:3=L)49"GW- &P.E 'S
M]\;/^1WM_P#KR3_T-Z]#"_"<=?<[3X'_ /(G7O\ U_M_Z+CK'$_&:4/A.K\<
MW,5KX&UIY2 IM709]6&T?J16%)7FC2H_=9\M1HTDJQHI9V(4 #))KU[Z79P1
MU=CW/Q9\2/\ A$;:VT33XDN-3AA19G<Y2([1Q@=3_*O/IT?:-M['7*IRJQ7\
M.6OQ \5Z:NJS^)CIT$N3"BP*2P]<#&!Z=:)NG!V2''GEJ9.H^-_&W@7718ZS
M-#J,) =2R!1(GJK  @\'KFM(TH55>)+G*#LST2#Q+=^(_"BZGX56W>[+;3%=
MD@1D?>4X/6N7E4)6F:\W,KH\BUGXF^-8KZXLIKV.TE@D:-UAA7@@X/)SZ>M=
MD:$'&Z.=U9)V9N>*_BU?O:00Z &A0H/-O&CSN?'*ID8X]:SIT%?WBY57;0N^
M!?$GC'Q/H&JV]M?1&^MI(C#<W"#&&W;E. <]!V[U-:$(2'"4I)GFGBZYU6?Q
M/>C6;E;B^A?RG9/N?+QA>!Q^%=E+E4/=.>HW>QZQX:L?B*=$TF2VU73%TXP1
M&-&7YQ'@8!^3KCWKAJ.G=G3!3LKLL>/?B>OARZ;2]*C2?4%'[UW.4BSVP.I_
ME12H.>KV"=51T17TG2OB'KND)JD_BG[#).GF0V_D+T/3. ,?K3E*G'1($IM7
MN8&E?%77]!UR33?$R+=1PRF*5@@62/!QD8X8?ASZUJZ$91O$B-5IVD=AXX\2
M>*=+T\ZOHBV$FC"-'\XY:3YL#.,XQR*PIQ@WRRW-9R:5T</X6^*NK#7FF\07
M[S67DN!%'"HR_P#"  .O;GUKHJ8=*/NF,*K;U,[6OBIXJN=59[>X;3HD;Y+=
M4'RC_:)&2?T]JJ-""6NHI597/>_#U[-J7AW3KZY39/<6Z2.HXP2H)K@DK.QU
M1=T:524<5\4=:_L?P1=A6Q->$6R?\"^]_P".AJUHQYI&=1VB<KX(\?\ A/PU
MX4L].FN9A<*"\VV!C\[')Y]N!^%:5*<Y2N1"2BK'GWQ!U/2=:\5S:EH\C/#<
M(K2;D*X<#!X/L :ZJ":C9F%5J]T>I_!;6?MGAB?37;,EC+\H_P!A^1^NZN7$
MQY97[F]&6ECTP5S&Y\R?$S_DHFK_ .^G_H"UZ>'_ (9P5OB/:OA[IUJ_PXTR
MWD@C>&:(M(CJ"&)8DY!ZUPU6^=V.NFERG0:5H>F:)&\>F64-JLARXC7&X^]9
MN3EN6HI;'S_\6?\ DHNH?[D7_HM:]'#?PSCK?$>M_">VBA^'FG/&@5I3([G^
M\?,89_( ?A7'7=YM'12^$R_C7$C>#+>0J-Z7B;3Z95LU6&^,FO\ "<;\$2?^
M$NO0#Q]B8X_X&E=&*U2,J&[.#UO4)-5UV^OY6RUQ,S_0$\#\!Q6\%RP2,Y2Y
MG<^I_#]FEAX<TVT10%AMHU_)17E2=Y-G=%61P7QNLTD\*V=UC]Y!=!0?]EE.
M?U K?#.T[&5=7B<A\%=1DM_%EQ8[OW5U;DE?]I2"#^1;\ZWQ4=$S*B[.QR'C
M+_D=M<_Z_9?_ $,UI2^!&4_C/8?%6JR:7\%;'R6VR7-I;VX8=@R#=_XZ"*XJ
M<;U#JD[0/-_A38QWOC^R,@!6!7FP?4#C]2#^%=>(=H&%)7D?28KS3N/F3XF\
M?$76/]]/_1:UZ=#^&<%;XCW/X=?\B!HW_7#^IK@J_&SKI_":NM:U#H]J'<;Y
M7XC3/4_X5F:'#36FH:Y#<ZP8DPK8*J,$X]/7'%, \/:R-)O"9%!@EP'P.5]Q
M2 ](BFCFB62-@Z,,@@Y!H \RO+=KOQ+<6\/)DN6 Q_O4 >HK]T4 ?/\ \;/^
M1WM_^O)/_0WKT<-\)QU_B+/PS\4:KHFAW5O9^&KS5+=K@OYMOG"MM4%3P>P!
M_&LZ\4Y:L=*32+GB=?'OCWR[)- DT[3PP8QRN%W'L6)QG'H!^=*G[.EJW<J7
M-,V?"7PJM_#=PFLZO<K=7%NOF)$B_(C#/.3][';@5-3$.?NH<:*A[QXE>74V
MHZC/=S,6FN)"[$]R3FNV*Y8'-O(^M["TCL=/M[2)0(X(UC4>@ P/Y5Y+=W<]
M!*RL>7?'2S1M)TJ]VC?'.T6?9ES_ .RUU85^\T<]=:7,7X'ZA)'KFHZ;G]U+
M )L>C*P'\F_2KQ,=$R*#UL<-XR_Y'?6_^OV7_P!#-;T?@1G/XF?1/AO2K*?P
M%I%E/:Q2VSV<1:-T#*25!)P?<DUYLI/F;1VQ2<34TO1[#1;;[-IUI%;0YW%8
MUQD^I]:F4F]QI)+0^9O'7_(\ZW_U]/\ SKU*/\-'%4^)GT-X=N5LOAYI=RPR
ML.FQR$>PC!_I7FS5ZC1UPTA<^8Y+IKW4VNKQRQFE\R5NYR<FO52Y8V1Q[RN>
M^)\7_"21A%>Z"@8 $!XKSG0FSK55;'C'C75K37?%U_J5BKBVG92N\8)P@!./
MJ#7;2]V-F<M1WE<]-22:3]GES.K!EBVKN'51-\OX8Q7*[>VT-U_#."^&%O'<
M?$324E4,JL[X/J(V(_4 UTUW:#,:7Q'T)J/AS1]7GCFU#3;:YEB^Z\D8)'M[
MCVKS>=QV9V<J9J(H1 H  '0#M2&AU SQ_P >R?\ "3_$W1/#*'=!;L'G ]_F
M;_QQ1^==5/W*;D83]Z7*>L+9VN!_H\7_ 'P*YKLVM8\_^+_A^.[\'F^MX566
MQE$AVK@[#\K#]0?PKHP\[3L8U8W1YO\ "?6O[*\;00.^(;Y3 V>F[JOZC'XU
MTXB-X7[&-&5F?1XZ"O-.T^9/B;_R435_]]/_ $!:]/#_ ,,X*WQ'NGP\_P"1
M T;_ *X#^9K@J_&SKI_"=.*R1H?-WQ:_Y*+J'^[%_P"BUKU,-\!Q5OB/8/A9
M_P DXTCZ2?\ HUZX:OQLZ*?PF3\:O^1(B_Z_(_\ T%JK#_&*M\)Q/P2_Y'"]
MQ_SXM_Z&E=.*T2,:.YY[?VKV.HW5I(,/!*T; ]B#BNB.L+F5N5GUGH\ZW6B6
M%PA!66!'!'H5!KR9*S:/06QP7QKG6/P;!$3\TMVF!]%8G^E;X97J&-9^Z<)\
M&;1Y_&YF4'9;VSLQ^N%'\ZWQ3M&QE15Y'+^,O^1VUS_K]E_]#-:T?X:(G\9Z
MGX\MGG^"VC2*"1!':R-CT\O;_-A7%1=JIO45X'#?">\CL_']FLC "='B!/J1
MD?J*Z<0KP,J3M(^DA7G':?,GQ-/_ !<76,?WT_\ 1:UZN'^!'!6^(]S^'7_(
M@:-_UP_J:\ZK\;.NG\)B^-&<ZX%8_*L2[1^=0BSH_"$D<GA^)$(W1LRM]<Y_
MD12&8_B3PR8B][8)E.LD0'3W% &7HWB*YTF-X0/-A()53_"WJ/:F!T7A31_+
M3^T[A@\\V2F#G:#U/U-(#JAQ0!\_?&W_ )'>W_Z\4_\ 0WKT<-\!QU]SM/@?
M_P B=>_]?[?^BXZY\3\9I0^$],QQ7,=!!>0_:+.> ''F(R_F,4UHQ/:Q\AE7
MM;K;(I$D3X8'J"#R*]:]X'GVM(^P+>59K>.5#E'4,I]0:\EJSL>@G='EWQRG
M5?#^FV^?F>ZW@>RH0?\ T(5TX9>\V85]CF?@A:N_BJ^N@#Y<5H4)]V9<?^@F
MML4]+&=!:W.-\9?\CMK?_7[+_P"AFM:7\-&4_B/I;PI_R*&B_P#7E#_Z *\R
M?Q,[H?"C6-06?*_CG_D>M;_Z^W_G7K4?X:."I\3/H'1+=KSX9V%LGWIM+2,?
M4Q8KSI:5+G5'6%CYD@D:UO(I"IW1.&(/J#TKU'K$XDK,^N;7[+=VL5Q"D;12
MH'0A1R",@UY+;1Z*M86X^R6MO)/,L<<42EV9@ % Y)I7>P66YR?Q NK>^^&&
MIW-I*DMO)$A1T(((WKTK2EI45S.>L-#Q_P"%'_)1]+^DO_HMJ[<1\!RTOB/I
M0=*\T[T+0!SWBCQ,/#D,1&EW]_)-NV+:Q;P",?>/;.??O5PCS.Q,GRJYY!X4
MU74M,\<7OB+6= U2=KA7P(;9B49B/7'  (KKJ13ARQ9SQ;4N9GNFEWZZGIL%
MXD$T"RKN$<Z;77V([&N)Z'4M3F_&WB*"PM+C2)=%U*_-W;,,VT&] &R,$YX/
MX5=.+;O<RG*RM8^?;?1=?M+J*XATF_66)PZ,+=^"#D'IZUZ3G%QM<Y5&2=['
MOFG_ ! %QI,UU<>'M8AFMT4R1"VR6)./DR1G'X<5YTJ=GHSJ4[H\8\5V^K^(
M/$]]JD.A:A%'<."J-;MD  #G ]J[J3C"%KG---N]CT_P!XLEM-)TO0;W0-6B
MG3$/G?9SY7)X))P0.?2N2K#6Z9O"5E8[_5=272M+FOGMY[A8@"8K=-[MD@<#
MOUKG4;NQM>R/G;QHFJ^)O%-WJMOH6I10R[0BR6S;L!0.<#VKTZ3C"-FSCG>3
MND>G_"W6IH=&L_#MWH^H6T\"R-YTD!6(@L6ZGD'GTKCK1UYDS>DW;E:,OXKZ
MM<ZO9MH-CHNI2207*N\XMR8R I^Z1G/WOTJ\.E%\S9-5M^ZCDOA[<ZEX0\02
MWUYH&IS02P&$B*V;<,LIS@X_NUM7M-:,RIWB[LZ'Q]\/[K6W3Q-H-K(6NXUE
MGM'&V0$@<@>OJ/6LZ-90]V1I4IW]Y$G@[XCCPUH\>C>);"]ADM1LB<0G.WLI
M!P01TI5:5WS18X3:5F8?B_5-9^)6K6\.C:1=FPM\B/<F,L>K,>@Z =?YUI24
M:2NV1-RJ:([GPYHL7PQ\,FZN;6YU"_NY LPLHO,*\' '3Y1SSZFL)S=61I&/
MLT>/ZWINLZMKM_J*Z)?QK<W#RA#;N2H9B<=*[82C&-KG/*+;O8]F\+ZE#XF\
M,)X7U#1M1M#'8K%*\\.R-MH"_*Q[]"..U<$UR2YDSJCK&S1Y#KW@[7O"&J>9
MY$K11/OANX5)7@Y!R/NGV-=L*L)QLSF<)0>AWFA?$[Q9K%LMG9^'5O+S&TW"
MEEC!]6'0?F*YY4H1UN:JI)Z6."\2^&_$B>(KW[;9W-Y=,X>2:&!F1F(!.#CH
M,X_"NFG."CH93C*^IZW\-O$$@TG3_#]UHVHVUQ#&P\Z2 K$0,GJ>A_"N.M'7
MF3.BFW;E.E\2Z"VJPI/;D"YB& "<;QZ5SFQR-E=:GX=NF;R'0'ADD4[6_P ^
MM,1T,7BR\NUV6ND.\I[AB0/T_K2&49O"5_=0R7;M"ET[;O)487\_6@"#3+K5
M_#\QCELYFMR?F0J<?4'UH ZR[UZ&TT%M6%K=SQJ!^ZABW2G+;>%_SQ32N[";
ML>$>/I]3\7>(QJ%KH&IPPI"L2B6V;<<$G)P/]K]*]&BXPC9LXZMY.Z1T'PY\
M1W?A'2KG3]0\.:O(LDYF5X+8GJH&"#C^[6-:*F^9,NDW%69[19W N[*"Y6-X
MQ-&KA)%PRY&<$=C7'L=2U)#W%)@>*_$;X9WLFJ3ZSH4!N(YSOGMT^^K=RH[@
M]<=<UW4:Z2M(YJE)WNBYX4^)T6B:+#I7B.QO8;FU7RT<1$[U'0$'!! XJ)TD
MW>+*A4LK-',^)[G7OB7KT3:9I%T+* %(=Z8 R>69N@)XXSVK6GRTHN[U,Y\U
M1Z(]%T/2[?X9>% TEK=:A=W$@\_['%O8M@XP./E&.OO[US3FZLC6*]G$\8UO
M3=:U;7;_ %!=#OXUN9WE"FW?*@L3CI7?"48Q4;G.TY.]CVGP1XO::TTK0[G0
MM4M;B.%83+);XA^1.I8\C.WT[UPU:=O>N=,):6L=Z>E8&I\[_%#PIJ.G>*+S
M4TMI)+"[?S5E1=P5C]Y6].<UZ-"K'ELSCJ0:E<WO WC?Q.-&M]'LO#CZCY V
M1W&\QJJ]@Q(QQTZBLJM*%[W+A-I6L4O'?PUU5;IM8TRT\Y+@"2XMH/F,4A^]
MM'5ESZ55&NEHV34I/=%3PQ\2]<\*62:7>:<;N"+Y8TD+1R(/[N<'CVQ3G1A-
MW3"-245JCH7OO%_Q,V6(L&T;1&8&XE;.77T!(&[Z ?6L[4Z6M[LTO*>FQH^/
MM2%EX9N/"&E:'J,I6*.-)8X"T04;3]X<DX'IUJ:2O+G;'-V7*CS?P?'J_AGQ
M39:M+H.HS1P%MR);/DAE*\9'O755<)QLF<\+Q=['T%X?U^/Q!9/<QV%[9!'V
M%+N+RV/ .0,GCFO.E'E=CL3N:XJ2A<4 &!0 4 &* #% !@4 &* #% !0 8H
M,4 % !@>E !B@ Q0 8'I0 8'I0 4 &!Z4 &!Z4 &!Z4 &!Z4 &!0 4 % !0
M8H * #% !@>E !B@ H * "@ P/2@ Q0 8'I0 8H ,"@ H ,#TH ,#TH 3 ]*
3 %P/2@ Q0 8'I0 4 &* "@#_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>10
<FILENAME>g922344dsp4.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344dsp4.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H
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MG9:?);1W<ZQ-<R"*$$'YW/04 6Z ,.^\8^'],O9+.\U.*&XB(#H0V1QGT]Z
M([?QOX;N[F*V@U:)YIG"(H#?,Q. .GK0!?U77M*T1%;4K^*VW#*JQ^9OH!R:
M *&G^./#6ISK!:ZM$96.%60-&2?0;@,T :6J:QI^B6JW.HW*V\+.$#,#RV"<
M<>P- &3_ ,)_X6_Z#,/_ 'RW^% &U;:C9WEC]MM;F.:VP3YD;;AQUZ4 8O\
MPG_A7_H,P_\ ?+?X4 :>F:[I6LAO[.OX;DJ,LJ-\P'N.HH T: /)OC7_ ,P/
M_MO_ .TZ]3+OM?+]3CQ70Z:#4--TOX7Z;=ZM:?:[)+6$/%Y:OG. .&XZXKF<
M93Q#4'9W9LFHTDY;',_\)U\/?^A5_P#)"#_XJNGZMB?Y_P 68^UI?R_@C6^'
M5]I^I>(?$UWI5K]DLI/LWEP^6J;<*P/RKP.03^-98N,H0@IN[U+HM.4G';0U
M[3Q%H_BP:GH%O//9SINBPI\MR!P60CW[5C*E.CRU&KHT4XSO%'BWBCPO?>%M
M3-K=#?$V3#,!\LB_T/J*]FC6C6C='#4IN#LSO/@I_P QS_MA_P"U*X<Q^S\_
MT-\+U+.OWUOI_P 5))KG2IM23[ J^3#")2#G[V#_ #]Z\P[#3M/$6E7%Y!"/
M!-]$9)%42/IZA4R<9)[ 4@*7B&[BLOBBLLVD3ZHO]F@>1! )6'SGYL'M[^],
M"Y_PD%A_T3[5/_!8M $/C_28=;\5^&],F9DCG2X7<O52%!!_,"@"YX8UZ[MY
M;GPMK[;=3M4/DRGI<1XX(/<X_P Y!I <W'_R0&;_ '__ &X%/J(U?$,"7/PO
M\-V\F=DILT;'7!0"@9I> KV2Q2_\,7\G^DZ4YV,Q^_">5;]?R(I <9J,DVOZ
M_;>)V)%I_;$%E9CL8P6)/XD _4FF(ZJ\LX?$7Q3>RU(+-9Z=9B6.W8Y5F)&2
M1WZ_H*!G776A:3>6K6UQIML\)&-OE 8^GI^%(#SG3GD@\!>,=*\QY+?3YY8H
M&8YPN>@_+/XTQ$VC^)-,M]"T^*7P9?3M';1JTRV"LKD*,L#W!ZYH&7/ JC5/
M%.J>(M/LOL.DS0B%(OE&]P1EL#IC!_[Z^M &7HVI6UCKGB5)_#5YJQ;4Y2)(
M+03!/F/!)Z4".FTK6;*YU2WA3P5J%DS-Q/+8!%C]RW:D,[*@#Q:'Q3J.A0^(
M;;3K61=^J2M+?&,LENI;:./7CO\ K3$>C^%- TS3;);^UN/M]S=KODOW.YI<
M^A[#V_.D,S/'^H-,EEX9MIUBN-4?$KDX\N$<L3]<?C@T 9UH+'P=X\MH+*:,
M:3J\0BV*P(CE7 !/US^;&F!=\265QX7UD^+-*C+P-A=2ME_C7^^/<?\ U_6D
M!721OB-K2,H8>&+%P2&!7[7+Z8_NC_/7A[ >@*H50J@ #@ =J0'FNKZK+H_Q
M8EN8M.NK]CIX3RK9-S#)'./3C]:8$^N>-;NZ\/ZE;-X4UB!9;:1#+);D*@*D
M;B<=!UH W/#-]!IGPYL+ZY;;#!:!W/L!2 XD:,VM>&K[Q/-=11Z]/,+RV'F#
M=$J?=0?4?R6F([NWUF/7_ 4NHQX!ELY-ZC^%PI##\\TAG">$->T^R\+V=O/X
M3O;^1-^;B*R617R['ACUQT_"F(T?#;1>(/B FM:1IC:=8V<#0W(950O(<@ J
M._(_[YH&0W>I6NF_$SQ"USHEQJ@=( %AMQ*4_=KR<]*!%3Q%J%EXFBAT'3/"
M\UCJL[J\33P)"54=3GKC - &UX^!7Q5X'5CDB\P3Z_/%0,F\0Z-JUKXU7Q#:
MZ1#K5N;<1?9W<*T1'<9'\L]30!1UG7-(O-/DM=?\(:C81'C[0MLI\H^H?_\
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M#7-#ALI!]D%N1<L<?>)/ Q[4 +]I^(__ #XZ'^<G_P 50!?U/1;^^\4^'=3
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M=0L](6S+CS3$7WA>^,MUI =90!S/ACP_/IT.MPZC'$\5]>RS*F=P:-NQ']*
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M;U:0)]EO(XEBPWS950#D=NE !XO\.3:U:6]UI[K#JUC()+:4\=^5)]#_ $H
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M,BL[.6VE+/) RD8Q'!L/YY- A^HV2ZCIUQ9NVU9D*[L9Q[T#995510JJ%4#
M & !0!1N;">:20K<J8I.3'-$) .,<<C ]N:!%FSMELK.&V1BRQ($!/4X% ]B
M:@#*?0+::.?SI)6GF8NT@=EP?X2 #CY<#'T% K&@\326K0N^69-I8#';&<4#
M*4FCQO<6<ZRLDEOM#8'$@'0'Z'H?KZT"L6-1LS?69@$GEG>CAMN<%6##C\*
M9'%8S?;$NKJZ$S1*515CV*,XR>I)/% %Z@95OK(7B1;96BEA<21R*,[6P1T[
MC!(_&@0EO:W"7!FN+LRG;M5%78@YZXR<GW_^O0 EU922W$=S;W!@F12F=NY6
M4D'!'X4 .M+1K=Y999C--*1N;;M  Z #L.OYT#&3V<QNFN+6Y$+N@1PT>\'&
M<'J,'DT")[2W%K;+%O9R"26;JQ)R3^9- RI<:1'<6L\)E97>1I$D4<QL?3^7
MN#0*Q=BB\JW2+)(50N>G04#,UM'EE\E;B\$J1.K*QA'F':01EOPZ@4"L:%W;
M_:K26#<%WJ5R1G'X4#*]I936\Q=Y(",8Q';[#^>30(?>6DL\L$L$ZQ21$X+)
MN!R,>HH G@69(L3RK(^?O*FT?EDT#,XZ1/\ 9FLUOV%FV5V>6-X0_P (;T[9
MQF@5C1EB$EN\(.T,I7Z<8H&5%TJ&-[22';%+;\;E4#>N,%3]>#]0*!6+-U"\
M\.V*=X'!#!UYZ=B.XH&5;336@OFO)94>4Q^7B.+RP1D')Y.3Q_/UH%8T*!E2
M]L$OS"LSMY4;;RBDC<>W(YXZ_7% K"6>G16,\S0,PCEP61F+?,.-V3SR,#\!
M0%K$TMN)+F";=@Q;N,=<C% R:@ H S[*RN[-(H3>(\$8VA?)P2/KN_I0+8EO
MK!+\0I,S>2C[RBDC<1TY'/!Y^H% 6&V>FQV-Q-) [".8 LC,6^8<;LDYZ8'X
M"@+6"XTY)]1MKPR%3"#E .'_ +N?H23^- 6$T[34TX3A9"_F.6&1C8O91["@
M$K%Z@9Y[\4/#.K^(O[*_LJT^T>1YOF?O$3;G9C[Q'H:[\'6A2YN=VV.:O"4[
M<IPC> O'3VXMWLYF@  $9O(RHQTXWXKN^LX=.]]?3_@&'LJMK%?_ (5GXO\
M^@1_Y,1?_%57URA_-^#)]A4[%L^"/'Y" V]R0ARH^W)\I]OGJ/K&&_I?\ KV
M=;^F0S_#WQM=.'N-/DF<# :2[C8@>G+TUBL/'1/\&)T:KW1%_P *S\7_ /0(
M_P#)B+_XJJ^N4/YOP8O85.QZ'\+_  SJ_AW^U?[5M/L_G^5Y?[Q'W;=^?ND^
MHKS\96A5Y>1[7.FA"4+\QZ%7 =(4 % !0 4 % !0 4 % !0 4 % !0 4 % !
M0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4
M% !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0
M 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 %
G !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 % !0 4 ?__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>11
<FILENAME>g922344dsp5.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344dsp5.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M&0R^-+Z0JJE[-V(50H&9$Z =![5KCE:DEY_HR,/K-GME>,=QY-\:_P#F!_\
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!V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>12
<FILENAME>g922344g0911231052568.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g0911231052568.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  @&!@<&!0@'!P<)"0@*#!0-# L+
M#!D2$P\4'1H?'AT:'!P@)"XG("(L(QP<*#<I+# Q-#0T'R<Y/3@R/"XS-#+_
MVP!# 0D)"0P+#!@-#1@R(1PA,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C(R
M,C(R,C(R,C(R,C(R,C(R,C(R,C(R,C+_P  1"  ( !$# 2(  A$! Q$!_\0
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7"BB@#H?L#?\ /[??]]C_  HHHH __]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>13
<FILENAME>g922344g68g85.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g68g85.jpg
M_]C_X  02D9)1@ ! 0(!>0%Y  #_[10N4&AO=&]S:&]P(#,N,  X0DE-! 0
M    %!*^43@X0DE-! 0      !D< 5H  QLE1QP"   "   < @4 !5!R:6YT
M #A"24T$)0      $'&R'N^RK%WYEXQ?IGQ&?D$X0DE-!#H      1D    0
M     0      "W!R:6YT3W5T<'5T    !0    !0<W138F]O; $     26YT
M965N=6T     26YT90    !#;')M    #W!R:6YT4VEX=&5E;D)I=&)O;VP
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M8F]O;       0W)N0V)O;VP      $-N=$-B;V]L      !,8FQS8F]O;
M    3F=T=F)O;VP      $5M;$1B;V]L      !);G1R8F]O;       0F-K
M9T]B:F,    !        4D="0P    ,     4F0@(&1O=6) ;^
M  !'<FX@9&]U8D!OX            $)L("!D;W5B0&_@            0G)D
M5%5N=$8C4FQT                0FQD(%5N=$8C4FQT
M4G-L=%5N=$8C4'AL0'+            *=F5C=&]R1&%T86)O;VP!     %!G
M4'-E;G5M     %!G4',     4&=00P    !,969T56YT1B-2;'0
M      !4;W @56YT1B-2;'0               !38VP@56YT1B-0<F- 60
M         !!C<F]P5VAE;E!R:6YT:6YG8F]O;      .8W)O<%)E8W1";W1T
M;VUL;VYG          QC<F]P4F5C=$QE9G1L;VYG          UC<F]P4F5C
M=%)I9VAT;&]N9P         +8W)O<%)E8W14;W!L;VYG       X0DE- ^T
M     ! #O_XU  (  0.__C4  @ !.$))300F       .             #^
M   X0DE-! T       0    >.$))3009       $    'CA"24T#\P
M"0           0 X0DE-)Q        H  0         !.$))30/U      !(
M "]F9@ ! &QF9@ &       ! "]F9@ ! *&9F@ &       ! #(    ! %H
M   &       ! #4    ! "T    &       !.$))30/X      !P  #_____
M________________________ ^@     ____________________________
M_P/H     /____________________________\#Z     #_____________
M________________ ^@  #A"24T$"       $     $   )    "0      X
M0DE-!!X       0     .$))300:      ,U    !@              ;0
M J,          0                         !              *C
M;0                     !                         !     !
M    ;G5L;     (    &8F]U;F1S3V)J8P    $       !28W0Q    !
M  !4;W @;&]N9P          3&5F=&QO;F<          $)T;VUL;VYG
M;0    !29VAT;&]N9P   J,    &<VQI8V5S5FQ,<P    %/8FIC     0
M    !7-L:6-E    $@    =S;&EC94E$;&]N9P         '9W)O=7!)1&QO
M;F<         !F]R:6=I;F5N=6T    ,15-L:6-E3W)I9VEN    #6%U=&]'
M96YE<F%T960     5'EP965N=6T    *15-L:6-E5'EP90    !);6<@
M!F)O=6YD<T]B:F,    !        4F-T,0    0     5&]P(&QO;F<
M     $QE9G1L;VYG          !"=&]M;&]N9P   &T     4F=H=&QO;F<
M  *C     W5R;%1%6%0    !        ;G5L;%1%6%0    !        37-G
M951%6%0    !       &86QT5&%G5$585     $       YC96QL5&5X=$ES
M2%1-3&)O;VP!    "&-E;&Q497AT5$585     $       EH;W)Z06QI9VYE
M;G5M    #T53;&EC94AO<GI!;&EG;@    =D969A=6QT    "79E<G1!;&EG
M;F5N=6T    /15-L:6-E5F5R=$%L:6=N    !V1E9F%U;'0    +8F=#;VQO
M<E1Y<&5E;G5M    $453;&EC94)'0V]L;W)4>7!E     $YO;F4    )=&]P
M3W5T<V5T;&]N9P         *;&5F=$]U='-E=&QO;F<         #&)O='1O
M;4]U='-E=&QO;F<         "W)I9VAT3W5T<V5T;&]N9P      .$))300H
M       ,     C_P        .$))3001       ! 0 X0DE-!!0       0
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M!0$! 0$! 0         !  (#! 4&!P@)"@L0  $$ 0,"! (%!P8(!0,,,P$
M A$#!"$2,05!46$3(G&!,@84D:&Q0B,D%5+!8C,T<H+10P<EDE/PX?%C<S46
MHK*#)D235&1%
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M
M                 /_A385H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C O
M #P_>'!A8VME="!B96=I;CTB[[N_(B!I9#TB5S5-,$UP0V5H:4AZ<F53>DY4
M8WIK8SED(C\^"CQX.GAM<&UE=&$@>&UL;G,Z>#TB861O8F4Z;G,Z;65T82\B
M('@Z>&UP=&L](D%D;V)E(%A-4"!#;W)E(#4N,RUC,#$Q(#8V+C$T-38V,2P@
M,C Q,B\P,B\P-BTQ-#HU-CHR-R @(" @(" @(CX*(" @/')D9CI21$8@>&UL
M;G,Z<F1F/2)H='1P.B\O=W=W+G<S+F]R9R\Q.3DY+S R+S(R+7)D9BUS>6YT
M87@M;G,C(CX*(" @(" @/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(*
M(" @(" @(" @(" @>&UL;G,Z9&,](FAT=' Z+R]P=7)L+F]R9R]D8R]E;&5M
M96YT<R\Q+C$O(CX*(" @(" @(" @/&1C.F9O<FUA=#YI;6%G92]E<'-F/"]D
M8SIF;W)M870^"B @(" @(" @(#QD8SIT:71L93X*(" @(" @(" @(" @/')D
M9CI!;'0^"B @(" @(" @(" @(" @(#QR9&8Z;&D@>&UL.FQA;F<](G@M9&5F
M875L="(^4')I;G0\+W)D9CIL:3X*(" @(" @(" @(" @/"]R9&8Z06QT/@H@
M(" @(" @(" \+V1C.G1I=&QE/@H@(" @(" \+W)D9CI$97-C<FEP=&EO;CX*
M(" @(" @/')D9CI$97-C<FEP=&EO;B!R9&8Z86)O=70](B(*(" @(" @(" @
M(" @>&UL;G,Z>&UP/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C O(CX*
M(" @(" @(" @/'AM<#I-971A9&%T841A=&4^,C R,"TP."TR.%0Q,SHP.#HS
M,BTP-SHP,#PO>&UP.DUE=&%D871A1&%T93X*(" @(" @(" @/'AM<#I-;V1I
M9GE$871E/C(P,C M,#@M,CA4,3,Z,#@Z,S(M,#<Z,# \+WAM<#I-;V1I9GE$
M871E/@H@(" @(" @(" \>&UP.D-R96%T941A=&4^,C Q.2TQ,"TQ-50P.3HS
M,SHT,"TP-3HP,#PO>&UP.D-R96%T941A=&4^"B @(" @(" @(#QX;7 Z0W)E
M871O<E1O;VP^061O8F4@4&AO=&]S:&]P($-#(#(P,3D@*%=I;F1O=W,I/"]X
M;7 Z0W)E871O<E1O;VP^"B @(" @(#PO<F1F.D1E<V-R:7!T:6]N/@H@(" @
M(" \<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(@H@(" @(" @(" @("!X
M;6QN<SIX;7!-33TB:'1T<#HO+VYS+F%D;V)E+F-O;2]X87 O,2XP+VUM+R(*
M(" @(" @(" @(" @>&UL;G,Z<W12968](FAT=' Z+R]N<RYA9&]B92YC;VTO
M>&%P+S$N,"]S5'EP92]297-O=7)C95)E9B,B"B @(" @(" @(" @('AM;&YS
M.G-T179T/2)H='1P.B\O;G,N861O8F4N8V]M+WAA<"\Q+C O<U1Y<&4O4F5S
M;W5R8V5%=F5N=",B/@H@(" @(" @(" \>&UP34TZ26YS=&%N8V5)1#YX;7 N
M:6ED.D,W03DQ-$$P-C=%.45!,3$Y-D1!034X-$)%0D,P1#4X/"]X;7!-33I)
M;G-T86YC94E$/@H@(" @(" @(" \>&UP34TZ1&]C=6UE;G1)1#YX;7 N9&ED
M.D,U03DQ-$$P-C=%.45!,3$Y-D1!034X-$)%0D,P1#4X/"]X;7!-33I$;V-U
M;65N=$E$/@H@(" @(" @(" \>&UP34TZ3W)I9VEN86Q$;V-U;65N=$E$/G5U
M:60Z-40R,#@Y,C0Y,T)&1$(Q,3DQ-$$X-3DP1#,Q-3 X0S@\+WAM<$U-.D]R
M:6=I;F%L1&]C=6UE;G1)1#X*(" @(" @(" @/'AM<$U-.E)E;F1I=&EO;D-L
M87-S/G!R;V]F.G!D9CPO>&UP34TZ4F5N9&ET:6]N0VQA<W,^"B @(" @(" @
M(#QX;7!-33I$97)I=F5D1G)O;2!R9&8Z<&%R<V54>7!E/2)297-O=7)C92(^
M"B @(" @(" @(" @(#QS=%)E9CII;G-T86YC94E$/GAM<"YI:60Z0S9!.3$T
M03 V-T4Y14$Q,3DV1$%!-3@T0D5"0S!$-3@\+W-T4F5F.FEN<W1A;F-E240^
M"B @(" @(" @(" @(#QS=%)E9CID;V-U;65N=$E$/GAM<"YD:60Z0S5!.3$T
M03 V-T4Y14$Q,3DV1$%!-3@T0D5"0S!$-3@\+W-T4F5F.F1O8W5M96YT240^
M"B @(" @(" @(" @(#QS=%)E9CIO<FEG:6YA;$1O8W5M96YT240^=75I9#HU
M1#(P.#DR-#DS0D9$0C$Q.3$T03@U.3!$,S$U,#A#.#PO<W12968Z;W)I9VEN
M86Q$;V-U;65N=$E$/@H@(" @(" @(" @(" \<W12968Z<F5N9&ET:6]N0VQA
M<W,^<')O;V8Z<&1F/"]S=%)E9CIR96YD:71I;VY#;&%S<SX*(" @(" @(" @
M/"]X;7!-33I$97)I=F5D1G)O;3X*(" @(" @(" @/'AM<$U-.DAI<W1O<GD^
M"B @(" @(" @(" @(#QR9&8Z4V5Q/@H@(" @(" @(" @(" @(" \<F1F.FQI
M(')D9CIP87)S951Y<&4](E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @
M/'-T179T.F%C=&EO;CYS879E9#PO<W1%=G0Z86-T:6]N/@H@(" @(" @(" @
M(" @(" @(" \<W1%=G0Z:6YS=&%N8V5)1#YX;7 N:6ED.C8X,C1C9C!F+6)D
M-3$M-#8P-BUB93AA+3(V93,Y-C)E,S)D.3PO<W1%=G0Z:6YS=&%N8V5)1#X*
M(" @(" @(" @(" @(" @(" @/'-T179T.G=H96X^,C Q.2TQ,"TP.50Q-SHQ
M,#HP."TP-3HP,#PO<W1%=G0Z=VAE;CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.G-O9G1W87)E06=E;G0^061O8F4@26QL=7-T<F%T;W(@0T,@,C,N," H
M36%C:6YT;W-H*3PO<W1%=G0Z<V]F='=A<F5!9V5N=#X*(" @(" @(" @(" @
M(" @(" @/'-T179T.F-H86YG960^+SPO<W1%=G0Z8VAA;F=E9#X*(" @(" @
M(" @(" @(" @/"]R9&8Z;&D^"B @(" @(" @(" @(" @(#QR9&8Z;&D@<F1F
M.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@(" @(" @(" @(" @(" @(" \<W1%
M=G0Z86-T:6]N/G-A=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @
M(" @(#QS=$5V=#II;G-T86YC94E$/GAM<"YI:60Z938U-S,T83@M-S<Y-RTT
M83(Q+6%D868M.6%B.&0W8S0R,S!C/"]S=$5V=#II;G-T86YC94E$/@H@(" @
M(" @(" @(" @(" @(" \<W1%=G0Z=VAE;CXR,#$Y+3$P+3 Y5#$W.C$P.C(P
M+3 U.C P/"]S=$5V=#IW:&5N/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z
M<V]F='=A<F5!9V5N=#Y!9&]B92!);&QU<W1R871O<B!#0R R,RXP("A-86-I
M;G1O<V@I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @(" @(" @(" @
M(" \<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@(" @(" @(" @
M(" @(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL:2!R9&8Z<&%R
M<V54>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IA
M8W1I;VX^8V]N=F5R=&5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @
M(" @(#QS=$5V=#IP87)A;65T97)S/F9R;VT@87!P;&EC871I;VXO<&]S='-C
M<FEP="!T;R!A<'!L:6-A=&EO;B]V;F0N861O8F4N:6QL=7-T<F%T;W(\+W-T
M179T.G!A<F%M971E<G,^"B @(" @(" @(" @(" @(#PO<F1F.FQI/@H@(" @
M(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4](E)E<V]U<F-E(CX*
M(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYS879E9#PO<W1%=G0Z
M86-T:6]N/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z:6YS=&%N8V5)1#YX
M;7 N:6ED.C,V83=A,#ED+3DU930M-&9D92TY-3AB+35F,S<V,6%B,3)D-#PO
M<W1%=G0Z:6YS=&%N8V5)1#X*(" @(" @(" @(" @(" @(" @/'-T179T.G=H
M96X^,C Q.2TQ,"TQ-%0Q-#HQ,#HP,RTP-3HP,#PO<W1%=G0Z=VAE;CX*(" @
M(" @(" @(" @(" @(" @/'-T179T.G-O9G1W87)E06=E;G0^061O8F4@26QL
M=7-T<F%T;W(@0T,@,C,N," H36%C:6YT;W-H*3PO<W1%=G0Z<V]F='=A<F5!
M9V5N=#X*(" @(" @(" @(" @(" @(" @/'-T179T.F-H86YG960^+SPO<W1%
M=G0Z8VAA;F=E9#X*(" @(" @(" @(" @(" @/"]R9&8Z;&D^"B @(" @(" @
M(" @(" @(#QR9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@(" @
M(" @(" @(" @(" @(" \<W1%=G0Z86-T:6]N/F-O;G9E<G1E9#PO<W1%=G0Z
M86-T:6]N/@H@(" @(" @(" @(" @(" @(" \<W1%=G0Z<&%R86UE=&5R<SYF
M<F]M(&%P<&QI8V%T:6]N+W!O<W1S8W)I<'0@=&\@87!P;&EC871I;VXO=FYD
M+F%D;V)E+FEL;'5S=')A=&]R/"]S=$5V=#IP87)A;65T97)S/@H@(" @(" @
M(" @(" @(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL:2!R9&8Z
M<&%R<V54>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @(#QS=$5V
M=#IA8W1I;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @(" @
M(" @/'-T179T.FEN<W1A;F-E240^>&UP+FEI9#HR-S<P,38P,RTV9C%C+3%F
M-&0M838U,"TT,C)A,S=D.&(U,60\+W-T179T.FEN<W1A;F-E240^"B @(" @
M(" @(" @(" @(" @(#QS=$5V=#IW:&5N/C(P,3DM,3 M,354,#DZ,S,Z-# M
M,#4Z,# \+W-T179T.G=H96X^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IS
M;V9T=V%R94%G96YT/D%D;V)E($EL;'5S=')A=&]R($-#(#(S+C @*%=I;F1O
M=W,I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @(" @(" @(" @(" \
M<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@(" @(" @(" @(" @
M(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL:2!R9&8Z<&%R<V54
M>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IA8W1I
M;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.FEN<W1A;F-E240^>&UP+FEI9#I#-$$Y,31!,#8W13E%03$Q.39$04$U
M.#1"14)#,$0U.#PO<W1%=G0Z:6YS=&%N8V5)1#X*(" @(" @(" @(" @(" @
M(" @/'-T179T.G=H96X^,C R,"TP."TR.%0Q,SHP.#HR-2TP-SHP,#PO<W1%
M=G0Z=VAE;CX*(" @(" @(" @(" @(" @(" @/'-T179T.G-O9G1W87)E06=E
M;G0^061O8F4@4&AO=&]S:&]P($-3-B H5VEN9&]W<RD\+W-T179T.G-O9G1W
M87)E06=E;G0^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IC:&%N9V5D/B\\
M+W-T179T.F-H86YG960^"B @(" @(" @(" @(" @(#PO<F1F.FQI/@H@(" @
M(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4](E)E<V]U<F-E(CX*
M(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYC;VYV97)T960\+W-T
M179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T179T.G!A<F%M971E
M<G,^9G)O;2!I;6%G92]J<&5G('1O(&%P<&QI8V%T:6]N+W9N9"YA9&]B92YP
M:&]T;W-H;W \+W-T179T.G!A<F%M971E<G,^"B @(" @(" @(" @(" @(#PO
M<F1F.FQI/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4]
M(E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYD
M97)I=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @(" @(#QS=$5V
M=#IP87)A;65T97)S/F-O;G9E<G1E9"!F<F]M(&EM86=E+VIP96<@=&\@87!P
M;&EC871I;VXO=FYD+F%D;V)E+G!H;W1O<VAO<#PO<W1%=G0Z<&%R86UE=&5R
M<SX*(" @(" @(" @(" @(" @/"]R9&8Z;&D^"B @(" @(" @(" @(" @(#QR
M9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@(" @(" @(" @(" @
M(" @(" \<W1%=G0Z86-T:6]N/G-A=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @
M(" @(" @(" @(" @(#QS=$5V=#II;G-T86YC94E$/GAM<"YI:60Z0S5!.3$T
M03 V-T4Y14$Q,3DV1$%!-3@T0D5"0S!$-3@\+W-T179T.FEN<W1A;F-E240^
M"B @(" @(" @(" @(" @(" @(#QS=$5V=#IW:&5N/C(P,C M,#@M,CA4,3,Z
M,#@Z,C4M,#<Z,# \+W-T179T.G=H96X^"B @(" @(" @(" @(" @(" @(#QS
M=$5V=#IS;V9T=V%R94%G96YT/D%D;V)E(%!H;W1O<VAO<"!#4S8@*%=I;F1O
M=W,I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @(" @(" @(" @(" \
M<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@(" @(" @(" @(" @
M(" \+W)D9CIL:3X*(" @(" @(" @(" @(" @/')D9CIL:2!R9&8Z<&%R<V54
M>7!E/2)297-O=7)C92(^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IA8W1I
M;VX^<V%V960\+W-T179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T
M179T.FEN<W1A;F-E240^>&UP+FEI9#I#-D$Y,31!,#8W13E%03$Q.39$04$U
M.#1"14)#,$0U.#PO<W1%=G0Z:6YS=&%N8V5)1#X*(" @(" @(" @(" @(" @
M(" @/'-T179T.G=H96X^,C R,"TP."TR.%0Q,SHP.#HS,BTP-SHP,#PO<W1%
M=G0Z=VAE;CX*(" @(" @(" @(" @(" @(" @/'-T179T.G-O9G1W87)E06=E
M;G0^061O8F4@4&AO=&]S:&]P($-3-B H5VEN9&]W<RD\+W-T179T.G-O9G1W
M87)E06=E;G0^"B @(" @(" @(" @(" @(" @(#QS=$5V=#IC:&%N9V5D/B\\
M+W-T179T.F-H86YG960^"B @(" @(" @(" @(" @(#PO<F1F.FQI/@H@(" @
M(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4](E)E<V]U<F-E(CX*
M(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYC;VYV97)T960\+W-T
M179T.F%C=&EO;CX*(" @(" @(" @(" @(" @(" @/'-T179T.G!A<F%M971E
M<G,^9G)O;2!A<'!L:6-A=&EO;B]V;F0N861O8F4N<&AO=&]S:&]P('1O(&EM
M86=E+V5P<V8\+W-T179T.G!A<F%M971E<G,^"B @(" @(" @(" @(" @(#PO
M<F1F.FQI/@H@(" @(" @(" @(" @(" \<F1F.FQI(')D9CIP87)S951Y<&4]
M(E)E<V]U<F-E(CX*(" @(" @(" @(" @(" @(" @/'-T179T.F%C=&EO;CYD
M97)I=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @(" @(" @(" @(" @(#QS=$5V
M=#IP87)A;65T97)S/F-O;G9E<G1E9"!F<F]M(&%P<&QI8V%T:6]N+W9N9"YA
M9&]B92YP:&]T;W-H;W @=&\@:6UA9V4O97!S9CPO<W1%=G0Z<&%R86UE=&5R
M<SX*(" @(" @(" @(" @(" @/"]R9&8Z;&D^"B @(" @(" @(" @(" @(#QR
M9&8Z;&D@<F1F.G!A<G-E5'EP93TB4F5S;W5R8V4B/@H@(" @(" @(" @(" @
M(" @(" \<W1%=G0Z86-T:6]N/G-A=F5D/"]S=$5V=#IA8W1I;VX^"B @(" @
M(" @(" @(" @(" @(#QS=$5V=#II;G-T86YC94E$/GAM<"YI:60Z0S=!.3$T
M03 V-T4Y14$Q,3DV1$%!-3@T0D5"0S!$-3@\+W-T179T.FEN<W1A;F-E240^
M"B @(" @(" @(" @(" @(" @(#QS=$5V=#IW:&5N/C(P,C M,#@M,CA4,3,Z
M,#@Z,S(M,#<Z,# \+W-T179T.G=H96X^"B @(" @(" @(" @(" @(" @(#QS
M=$5V=#IS;V9T=V%R94%G96YT/D%D;V)E(%!H;W1O<VAO<"!#4S8@*%=I;F1O
M=W,I/"]S=$5V=#IS;V9T=V%R94%G96YT/@H@(" @(" @(" @(" @(" @(" \
M<W1%=G0Z8VAA;F=E9#XO/"]S=$5V=#IC:&%N9V5D/@H@(" @(" @(" @(" @
M(" \+W)D9CIL:3X*(" @(" @(" @(" @/"]R9&8Z4V5Q/@H@(" @(" @(" \
M+WAM<$U-.DAI<W1O<GD^"B @(" @(#PO<F1F.D1E<V-R:7!T:6]N/@H@(" @
M(" \<F1F.D1E<V-R:7!T:6]N(')D9CIA8F]U=#TB(@H@(" @(" @(" @("!X
M;6QN<SII;&QU<W1R871O<CTB:'1T<#HO+VYS+F%D;V)E+F-O;2]I;&QU<W1R
M871O<B\Q+C O(CX*(" @(" @(" @/&EL;'5S=')A=&]R.E-T87)T=7!0<F]F
M:6QE/E!R:6YT/"]I;&QU<W1R871O<CI3=&%R='5P4')O9FEL93X*(" @(" @
M/"]R9&8Z1&5S8W)I<'1I;VX^"B @(" @(#QR9&8Z1&5S8W)I<'1I;VX@<F1F
M.F%B;W5T/2(B"B @(" @(" @(" @('AM;&YS.G!D9CTB:'1T<#HO+VYS+F%D
M;V)E+F-O;2]P9&8O,2XS+R(^"B @(" @(" @(#QP9&8Z4')O9'5C97(^061O
M8F4@4$1&(&QI8G)A<GD@,3 N,#$\+W!D9CI0<F]D=6-E<CX*(" @(" @/"]R
M9&8Z1&5S8W)I<'1I;VX^"B @(" @(#QR9&8Z1&5S8W)I<'1I;VX@<F1F.F%B
M;W5T/2(B"B @(" @(" @(" @('AM;&YS.G!H;W1O<VAO<#TB:'1T<#HO+VYS
M+F%D;V)E+F-O;2]P:&]T;W-H;W O,2XP+R(^"B @(" @(" @(#QP:&]T;W-H
M;W Z3&5G86-Y25!40T1I9V5S=#Y"-4$T0T0T1#0P,D,P,CE#.$-",3E&-4-%
M0S,W048U-SPO<&AO=&]S:&]P.DQE9V%C>4E05$-$:6=E<W0^"B @(" @(" @
M(#QP:&]T;W-H;W Z0V]L;W)-;V1E/C0\+W!H;W1O<VAO<#I#;VQO<DUO9&4^
M"B @(" @(#PO<F1F.D1E<V-R:7!T:6]N/@H@(" \+W)D9CI21$8^"CPO>#IX
M;7!M971A/@H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M( H@(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @( H@(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M"B @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @(" @
M(" @(" @(" @(" *(" @(" @(" @(" @(" @(" @(" @(" @(" @( H\/WAP
M86-K970@96YD/2)W(C\^_]L 0P ! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!_]L 0P$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$!_\  $0@ (P#8 P$1  (1 0,1 ?_$ !T   $%
M 0$! 0            D !08'" H$ P+_Q !/$  !! (! @0" 0H.$P     $
M @,%!@$'"  )$1(3%!4A,0H6%S4X05%A=;08&B(C)S0V.3IQ=WBQN"0F-U98
M=(&1E):7I;6VP=;7X?#_Q  : 0$! 0$! 0$              0(' P0%_\0
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MA26:Q'Q*[57;"VYQGT?LW:V]IJO[(O&N:[8[I",;ZUG7F8RP20:7I 1N#E8
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MPL!N8D'O<M?#<O+\K?IOM>"O-02"X4(<,A6_I<C@G_?WR:^GQ_=YKG_Q%_\
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MC3>AW-/64UK+J*I=$2Z(ET1+HB71$NB)=$2Z(ET10F^:VU_M*&9KNR*96KS
MCR#$LQ#VF'"FXYF3&8)&'/:$/9>906R.:6PV^E&'$-$O(2K"7%8S]MQVC?\
M9EM%>-G7R\W&WCLXK&*VNMM:6%I%91101Q69CLXH8C!%%9P1&%V)AA)$@OS-
MK;%V/MZ[0W+;>R[AM:Z06T-X@NNT;I87RPAMX(+2S@MH;*\06D M8;.UM8(;
M00]J&&TCA! B+S1M"&D(:;2E#;:$H;0G&$I0A&,)2E*<?+"4IQC&,8^6,8QC
M'7Q$DDDER9DFI.97Z8  8!@) "@&2_71$NB)=$2Z(ET1+HB71$NB)=$2Z(ET
,1+HB71$NB)=$7__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>14
<FILENAME>g922344g73c32.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g73c32.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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9#^]T]JZZ&)]E'EM<YZM'VCO<]#KD.@__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>15
<FILENAME>g922344g76r94.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g76r94.jpg
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M 0$! 0$! 0'_P  1"  K 0 # 1$  A$! Q$!_\0 '@ !  (#  (#
M      @)!08' P0! @K_Q  L$  !! ,  00#  $#!0     $ @,%!@$'"  )
M$1(3%!4A(Q87(B0Q0E%Q_\0 &P$!  (# 0$               ,& 0($!0?_
MQ  \$0 " 0,# P($! ,' @<    ! @,$!1$ !A(3(3%!40<4(F$R<8&1(['!
M%18S0E)RH1=B)%.2LM'P\?_:  P# 0 "$0,1 #\ _;7T7T"SI*(K</7*P7LG
M<^SI5ZL:=U/$EM!R5PGV1_RI"1DSW4N-5VC5,%6)B[6\UK($#%X1A7VG&QXI
M/OV&QF\2U$M14+;[3;HA4W6YRH7CI(&;C'''&"#45M4_\*CI4(>>7/A$D98Y
M).   Y.QPB#RQ_HH'=F\ >?34?F^'9G=*4V'M;<%UW%*GIP^]I_7]GL^JN=:
MFI:L.MQD+6*G)1%JN+D=E2Q<6:]V*0/E6,96]%@(<6+CW#O&*T?P-HVJCM,<
M?TBZUU-37._5..QDFJ:J.6EI1)@/\O14\:1-V65R.6H^B7[S.7)_R*2D8^P
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M&X)0+#4QR5/0MLB42S5%,#U:=*A$26 R &1&Y8 *YC@^E%C((9%4MD$#+9;
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MJ>V?7_DV$^474^GC34(?3<PWGACFIU.?=TO7;$@<O.<Y6[+24M*GS+SRE?\
M)1#TJ28Z2I6<J4^MQ6<YSG.<W#X@9&\MPJ?"5[1H,  11Q1I$ !V"B)4"@>%
M &H:?_!C_P!O]3KG?JF!66R<WU36U/E1H>S;<Z-YZUU!EF!XD!$2LCLB)FXT
M@L+X.*)#C#X ::-90G.7!(Q]"_\ $IS&?0^&ST]/N"IN%7$TM-:[!?:^94?I
MN8H[?+#(J/D<7D2=H4)\/(".X&M:D$QA0<%Y(USY\L"/V(S^FHR[7U7M#5._
MN6K!LC82>S^L=G[()@]1P-Y@F-;:'TK1ZA&MV+;.S:YKNJ'E-?ZMK=?<CV@K
M-)'R$BX44)*,QIDO$QHCM@MERMMSL>Y8+?0?W2VS;K<L]TGHIVN%ZN]952F"
MUVZHKZI$/RM1.)"]-&D<85'C,BQ2R,L;*R21%FZTK-A P"HBCN[!1_F QW[^
MAP2 #-ONGK.S\J4K6[VO-9M;;VAN3:$1J77]-?G503#L_/1DJ^#)$+:"-(D!
MQY0:* =C&EQ:2/VB5.348EK[5U#9FV*?<U9<%K[B;5;;3;9;I758AZ["""2)
M7C4%T6-FC:1Q(1)QZ6!#(3@33RF)5XKR9V"J,X[D'O\ ?O@8[>?.HBW",[(Y
M-N7-&Y]A]03>Z&]P[XU_IC>FH"Z_$1>M81O;YKD='FZG$$92=$HH4@W@<5]Y
M:)"S?6(4>H,8B4C2;322[4W/2;AM%!MN&T&U62NN]FNJ3RR7"4VI!)(ET=R4
ME-;&<L%'3IR65 [+'(L1$T31LTO/FZHZ$ *.9[</;CX!/<]L^HUNG27J/VS4
MG245JO7FI6+YJK7]SU32NEMFDEE,*I4]N:19%JE<J;+#[#,C.Q\6\U.2#?T3
M*2W'503H\&\*_*><FW]@4UTV_+<J^Z&BN==1W.LV];E16^<@M$9:JJ*IB&,<
M$DH,$9S"5QU@TRLL>MI*@K)Q5.2J5$C?Z>?@#'DX.?7/CMYUW3LWM&:Y@EM:
M5"@:9E-\[#OX5\MI-/B+.-578'6VKX-N>NEK)D"8>::6\R,\AF'C7&!_VQ#!
MHXI+I[0D>=XNTMHP[CBN-577:*R4%"]%2K5RTS50GN%QF,%'2K&LL) 9@3+(
M&;I*49E$9=TVFFZ94!>;-R.,XPJC+'P?3QXSW]L:E?J39M;W1J^@;9IZB<UG
M8M3@[?#(.;0R>,'. ,G("D&6W'FF9 !;JPCVFGGFFC!WD-O.H2EQ59NENJ+1
M<JZUU?'YB@JIJ68H249X9&0O&2 3&X ="0"48$@'($JL'567PP!'OW]_O[ZZ
M)YP:VT\::JIV4W+>G[O>Y=%1,6;,\D=$6:-DNC8R+$>-DM&;3*RB,8W=&@B-
MK?-H]N6ZR/L89#+QX,I]$N,\3\X^&5]+MYBWQ9:2PRR)%NBPTTD=@>1E2.\V
MQ,R-9W=B%2LI0&:@8E4>+,3!<22ZYFS YD S%(PZ@_\ +;QS_P!I_P WKGQZ
M#4P^A-'4GL72;>N9.^6$#6EW-J5FD9;6TQ$)Q>*H 8+8!(9$TZ#+C.UNP9;C
MS%F1?P>?;8%<'+4,MUHBJ6*\5FU+P;A'14[W&C2JIXXKA#*?DZET:!IC"'B8
M5$&74))E5)8,G( K+(BRIQ+$*<'*D=P#G&<'L?M_+SN&U]S:8YFUZW;]KW2
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M#NG/.JZQ)ZSKU>LFS]I[:U]H_7 MO+*#J(-QV,>4'&RUG6"Z.:Y#1[0)3K[
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MAM\ [IV:7H^EFW V:N>M@YL;7E4I;"WHT>TQ[MJ)<(G)X<M%;<C_ ,$Z D+
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MB0:]D<MM&",-K\_8<E!;=LT%FN:I'_U#K[S1=>4\&AI(;>**D=5('+JW!^E
MY('.?DA)7(WGY-*SKD_+JC8'^HMR/V'T]SY[#5_VL-F4K<= JNS==SH5CIUR
MAPYJ%E GFG4K'+:2XL0M#2UY#DX][+@,K&OY07&R(Y();31([K:?A]QMU9::
MZIMU?"]/5TDKPS1.""&4X#*2!SCD7#Q2#Z9(V5U)5@3VJRNH93D$ C]?0^Q'
MJ/0ZWIQQ#2%NNK0VVVA3CCCBL(0VA&,J6M:U9PE*$IQE2E*SC"<8SG.<8QYQ
M@$D  DDX '<DGP /4G6VOJR\T0TT^PZV^P\VAUEYE:7&G6G$X6VXTXC*D.-K
M1G"D+1G*5)SA2<YQG&?!!4E6!# D$$$$$'!!![@@]B#W!TU5SZF^RM46#6!G
M*Z(:V;0Z0V8R!-Z8UIJO'WWZLVZ$-_.J>SY231G U(K%>EQ?OD9J4?%5(1#<
MR*(G(*):0C?H_P .[?<X+BFY3-2VW;]O,D-WN%S)6AJ:69.%5;8X_P 5;4U$
M3\8X8PW"4PNWU]*.3FJ64J8\%I&P45?Q @]F)\  ^22,C/CN1$OC;?4=RMM#
MH%[U*++,Z]ZXNT97K 1L.^(A'*-=]/TZ#9"K<#JN4I0RZZ1(1TA^U5,P$(,T
M9/2RQ&AV)&=C9,82S[LLDFY;=8U^'U/%7[6HY)X%H*(S_.T=UJYF>HGN<58W
MS"QR1B(0SS,4AB#EFCADC9HH7$3/\P2LK8/)L<60# XE>V?.0//;R00+<^5-
MR7'H#2=:V[<]<E:N>NAL_)UFLGENDR3]#S-&MTFP2++PX[H!=AKJ 958BL.-
MJ;(;-&<P(8PTW\NW+::2QWBHM='<%N2TB01U%3&@6,5O10UD$9#,'2"H+QAP
M005*,"R,3U1N70.5XYR0#YXY^DG\QW_Y]=1H]3#)55U[SWO7 ;Y4!SAUIIC;
M>PG1F'2R0-:LD351ML@P(PAQY]02;5'E+RVVO([++I2\899=4FP_#SC4U]]L
MO,+/N#:]WM="&8(KW!EAJZ5&8D!>9I749/<L%\D:CJ>RQOC(CE1F^R]P?YC5
MBL;)1\S'1\Q$'"2<5*A"R49) /M% R$><PV4$<&4RI;)(A8SK3X[[2UM/,N(
M<;4I"L9S0Y(Y(9'BE1HY8G:.2-U*O'(C%71U8!E96!5E(!!!!&1KH!!&0<@]
MP1X(]]<&ZKZ$@.6- [%WG80%S ]*BAEQL"T2@1^P6*9D@X*N0K9"D.J8;.FI
M()!I38Y+@,=@P[ S^!5-J]K;5BGW+?*"RT[B)JR5A).REU@@BC>:HF*C&2D,
M;E%+*'DX(67ED1RN(T9SWP/'N2< ?N=5_4OGOU -N:XAM_V_MVX:-W!;83-W
M U!&4&MKTWKL0YM4E 4VPU^7<?--R)%?@M6.0FL'RL46\<P8W-$Q[A$A>:N^
M['M=PFL=+L^DO5JI9ODWNLM=4B[5[(1'/5P3Q!4CY2\S3QP].*1%0H85D"QP
M".=E$AF*.1GA@<%]@0?MY)!P<^<:F7PCOZU].\M:RW)>(:/AK786K'%SF(5+
MJ8"6/J5JFJF_88%+ZW'414ZN%S(LL9<<0*\^^(R\^PPT^[4MZ6.EV[N2XVFC
MFDFI8#3R0F8@SQ)54L-4L$_$ &6$3=,G +!58@,Q F@D,D2N1@G.<>.Q(R/S
MQ^^NY;,TUJ7<\2Q![;UK1MDQ(CBW@@KK6(>QMQ[[GU_8_&JE!"78XAS#3:7'
MP5CO+2A*%+RG'MYXUNNUTM$K36NX5EOE8 .]'4RTY<#.%DZ3J)%'(X5PP!)(
M&=;LBN,,JL/3D <?EGQ^FMCIU*IVO*['U&A52N4JJQ+:FHNMU2%CJ_!QZ'%J
M<<P'%10P@0_VNJ4ZZIIA*G75K=<RIQ2E9YZJKJZZ=ZJMJ:BKJ93F2HJ9I)YG
M(&!SEE9G; [#).!V';60 H 4  > !@#]-9L^.CY4584H %)!N*0IP0\5@P5Q
M3:\.-J6.0VXTI3:TI6C*D9RE:<*3[9QC/D22/$P>-WC<9PZ,489&#AE((R.Q
MP?&LZHY>T]1M^>LSO.O[@H=5V+1:-R95OU$#<(6/L$.&?(':]_ )'CY%A]@8
MQG]];5"E,H0^*IYYQAQMQWY8^Q"ZUMD^$MEFM5;4V^MK-T5/5GI)I()7CCCK
MN:L\94LA,-*&4DJP5000,:X^(>KD# ,%B& 0"!GCZ'\SWU<UKW6>N]2UL:GZ
MPH]5U_5A%N/,0%0@HZOQ>"'?;+Y3@D:..T^80K&%$F/X<*(7_P WWG%^ZO/D
MU=<:^YU#5=QK*FNJ6 !GJYY)Y>(SA0\C,0BY/% 0J^ !KJ550<5 4#T P/\
M]^_G7CM.K-8WB5BYVZZXH=PFX-/QA)BTU"O6"5ATX=R]A,7(2T<67'IP\I3O
ML(\SC[59<]OEG.?,TURN-'%)#1U];2PS',T5-53P12G 7,D<4BI(< #Z@>P
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M&7&2B",$94Y4D%\LA_&TDF!@<W.%].P&,=OS]]8^$],-N-@ ]>&]H]G&Z=B
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MNJ9;^P*L03"L--(Q[1S2_;[''UNWBX5$S_#_ &] SDPQ[@OG!,* .-/0.O<
M,</4SD9)_P 0CP% YU ^9<^\2?\ N(_D!^VK ?*/KHT\::>--/&FGC33QIIX
MTT\::>--/&FGC33QIIXTT\::>--/&FGC33QIIXTT\::>--/&FGC33QIIXTT\
)::>--/&FO__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>16
<FILENAME>g922344g97u16.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g97u16.jpg
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M  $% 0$! 0            @%!@<)"@($ P'_Q  J$  !! ,  @(" @(# 0$
M   $ @,%!@$'"  )$1(3%!46"B$7(B,Q0?_$ !T! 0 " P$! 0$
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MLX_D/_4[W./69E'\<Z)M$#UUQ32F9B'N8;/,(Y /0#7L,%*,HK-A]FG.O1'
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M)K*_B$9COW@_US'9%H,< YX>0;D:::B[INB*[1"5% E)-ED<K!:XB3(RC]!
M\QQ/EQ$3,6+E>Z&D8;3<=OM_-K5K>8KT7XBP"++;>5/)JAM"G0QJTE?L7[ S
M/_1A7]Z?!Q6!2M#S7:NA.T-/]"76T:SK@&QJ/LRHPHUGE=>;:H,WKVW+JQ9
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MFDR9 5)\9)-$1YWX8TBT.!(?8>4U*- $BI26RPXW@8,4VKV2R%M8-77KVKA
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MW]+US#;IC=^[D[S:WS-X,*D82L:+ U:C<<N%XU[[=VU8L6 QW$.HU5)J+3;
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9E,S\]7-YZ=273QTZ>.G3QTZ>.G3QTZ__V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>17
<FILENAME>g922344g98v17.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g98v17.jpg
M_]C_X  02D9)1@ ! 0$#P /   #_[1544&AO=&]S:&]P(#,N,  X0DE-! 0
M      \< 5H  QLE1QP"   "    .$))300E       0S<_Z?:C'O@D%<':N
MKP7#3CA"24T$.@      Y0   !     !       +<')I;G1/=71P=70    %
M     %!S=%-B;V]L 0    !);G1E96YU;0    !);G1E     $-L<FT    /
M<')I;G13:7AT965N0FET8F]O;      +<')I;G1E<DYA;65415A4     0
M    #W!R:6YT4')O;V93971U<$]B:F,    , %  <@!O &\ 9@ @ %, 90!T
M '4 <       "G!R;V]F4V5T=7     !     $)L=&YE;G5M    #&)U:6QT
M:6Y0<F]O9@    EP<F]O9D--64L .$))300[      (M    $     $
M !)P<FEN=$]U='!U=$]P=&EO;G,    7     $-P=&YB;V]L      !#;&)R
M8F]O;       4F=S36)O;VP      $-R;D-B;V]L      !#;G1#8F]O;
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M(%5N=$8C4')C0%D            08W)O<%=H96Y0<FEN=&EN9V)O;VP
M#F-R;W!296-T0F]T=&]M;&]N9P         ,8W)O<%)E8W1,969T;&]N9P
M       -8W)O<%)E8W12:6=H=&QO;F<         "V-R;W!296-T5&]P;&]N
M9P      .$))30/M       0 \     !  $#P     $  3A"24T$)@
M#@             _@   .$))300-       $    'CA"24T$&0      !
M !XX0DE- _,       D           $ .$))32<0       *  $
M 3A"24T#]0      2  O9F8  0!L9F8 !@       0 O9F8  0"AF9H !@
M     0 R     0!:    !@       0 U     0 M    !@       3A"24T#
M^       <   _____________________________P/H     /__________
M__________________\#Z     #_____________________________ ^@
M    _____________________________P/H   X0DE-! @      !     !
M   "0    D      .$))300>       $     #A"24T$&@     #-0    8
M             ($   -5          $                          0
M           #50   ($                      0
M       0     0       &YU;&P    "    !F)O=6YD<T]B:F,    !
M    4F-T,0    0     5&]P(&QO;F<          $QE9G1L;VYG
M  !"=&]M;&]N9P   ($     4F=H=&QO;F<   -5    !G-L:6-E<U9L3',
M   !3V)J8P    $       5S;&EC90   !(    '<VQI8V5)1&QO;F<
M    !V=R;W5P241L;VYG          9O<FEG:6YE;G5M    #$53;&EC94]R
M:6=I;@    UA=71O1V5N97)A=&5D     %1Y<&5E;G5M    "D53;&EC951Y
M<&4     26UG(     9B;W5N9'-/8FIC     0       %)C=#$    $
M %1O<"!L;VYG          !,969T;&]N9P          0G1O;6QO;F<   "!
M     %)G:'1L;VYG   #50    -U<FQ415A4     0       &YU;&Q415A4
M     0       $US9V5415A4     0      !F%L=%1A9U1%6%0    !
M   .8V5L;%1E>'1)<TA434QB;V]L 0    AC96QL5&5X=%1%6%0    !
M   ):&]R>D%L:6=N96YU;0    ]%4VQI8V5(;W)Z06QI9VX    '9&5F875L
M=     EV97)T06QI9VYE;G5M    #T53;&EC959E<G1!;&EG;@    =D969A
M=6QT    "V)G0V]L;W)4>7!E96YU;0   !%%4VQI8V5"1T-O;&]R5'EP90
M  !.;VYE    "71O<$]U='-E=&QO;F<         "FQE9G1/=71S971L;VYG
M          QB;W1T;VU/=71S971L;VYG          MR:6=H=$]U='-E=&QO
M;F<      #A"24T$*       #     (_\        #A"24T$$0       0$
M.$))3004       $    "#A"24T$#      ++0    $   "@    &    >
M "T    +$0 8  '_V/_M  Q!9&]B95]#30 "_^X #D%D;V)E &2      ?_;
M (0 # @(" D(# D)#!$+"@L1%0\,# \5&!,3%1,3&!$,# P,# P1# P,# P,
M# P,# P,# P,# P,# P,# P,# P,# $-"PL-#@T0#@X0% X.#A04#@X.#A01
M# P,# P1$0P,# P,#!$,# P,# P,# P,# P,# P,# P,# P,# P,# P,_\
M$0@ & "@ P$B  (1 0,1 ?_=  0 "O_$ 3\   $% 0$! 0$!          ,
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M;8W_  BTNK-]?Z@](NQM:<.TMR@W78\BVMUEO[GZ5WYW^G8L'I;;CF8%L/\
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MNN]-SW4^S]&]OZ1_Z+_A%@]4^KN3T7ZS85O3VO\ V9GY5&]E;26UEM]60:+
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M7_P:)BY7UK.1C^O0WT=[!=[& [72VYQVWN]/T7?0V>KOJ97_ "U\[))&J/\
M-_R_=4/\)__9 #A"24T$(0      50    $!    #P!! &0 ;P!B &4 ( !0
M &@ ;P!T &\ <P!H &\ <    !, 00!D &\ 8@!E "  4 !H &\ = !O ',
M: !O '  ( !# %, -@    $ .$))300B      $N34T *@    @ !P$2  ,
M   !  $   $:  4    !    8@$;  4    !    :@$H  ,    !  (   $Q
M  (    >    <@$R  (    4    D(=I  0    !    I    -  /.'P   G
M$  \X?   "<0061O8F4@4&AO=&]S:&]P($-3-B H5VEN9&]W<RD ,C Q.3HQ
M,CHP-" Q,SHP-CHS,P   Z !  ,    !__\  * "  0    !   #5: #  0
M   !    @0         & 0,  P    $ !@   1H !0    $   $> 1L !0
M  $   $F 2@  P    $  @   @$ !     $   $N @( !     $
M     $@    !    2     $X0DE- _T       @          /_A 3!-30 J
M    "  ' 1(  P    $      1H !0    $   !B 1L !0    $   !J 2@
M P    $  @   3$  @   !X   !R 3(  @   !0   "0AVD !     $   "D
M    T    \     !   #P     %!9&]B92!0:&]T;W-H;W @0U,V("A7:6YD
M;W=S*0 R,#$Y.C$R.C T(#$S.C V.C,S   #H $  P    '__P  H ( !
M  $   -5H , !     $   "!          8! P #     0 &   !&@ %
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M$0 "$0$#$0'_Q  =   " @(# 0             ("0<*  8!! 4#_\0 0A
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MAK'\[?EDQCSZ&(2<=EXR#<?"UM[^*/R$9_A]9>'M[_R_JX /;\\Y_P#7.?\
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MKDNUR8%]S>*4N8^V:,JS "[ZO=?0M3'95+J]W5^%L3'W^,XF5/&/[R6'UT<
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M3$03#G5F,VA\6A\YEV=H@DEM(0)N4K 3;DTQ0DCL4J[E&J:1 >JZ'N6&<O\
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MPPQCXU!J/;M-LHZHYV7=.W*BSE2F<UYIJ\\V?QK6742\*RZ:4TEFM*JR6N8
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4H+Z-]VI9MD0^7R38EC/WQ,F?_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>18
<FILENAME>g922344g99w18.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344g99w18.jpg
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M%R(C,1@X)"@R05=AMADS-$)B=WB1E=<:)28Y0UAQ=7F6E[>XU-;_Q  > 0$
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M^ZIV^'OD_*U;:U)B:)769A3UBC:B\7:9D^2&CH>EU4"'MTD0?9I=+A\BPDO
M$0'%0LO(RLJ *(IS/ZG=F-:#C)=E0I""Y8*N6$10(J7 -*287N41/ P($1%$
M1K[87XRNF&5J9N]9QNZ,/5PE +<G?K8HFY*V^PNO4P^,14RUAC\E:@GV AL(
MJJJT[=BS:0I4EK$^N?/CI"U[!BJQ<].W37M.EY4>,1?7;-#V%,0V8^D=F5L5
M?'C8UP*+'4M+TF[&2LV2&,EUT<0Y3>&E]9&\:C7BMM5J%&4##I8)]O,\01A
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M7)3K;W6OGI3\0_U?V1O*5UCL*B632^O2IHF'HVYK%/C3$-)J08H8$R_5\6$
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M#]O%74S="^G73?/SLZ'8^<1-"H]]*9+#X\LCZ5CF,9*/FI7O&,G(A'T+[5B
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M,SG-P$E!E]P$3L9%RQ^W ]N1ICQ]AA01$1$3SL7\0Y#A:'3;8ZBB(P&VQ=8
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M=2.XMECWN9:5E&4\[>1=UOQ6/O9.YD^G"ZF/IV+UDH7FY(454F]LQ$TX&2@
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M;--7LL7<\0/;X6++PXW4N9B=F]95G;VW%+9O4>1)MO;;60G!;E<(R;7XATQ
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MC&VFTJ=>)C8N5(2A"EJSZY3[H9EKOPY(YL>@IY"Q/NNGAJ^;@VE/V!:ULJ4
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MEV@@#O@F(C35PL-G"UW@D-U*V6KDQ*W:X'7(!MY"'TQC+U;C2?9@67$E8]9
M;^J>^.JS,1;NX7:>V,'MBP'<EN9IUZQY'M,9@IIDJE3"FR1GM\LQ98/ZR34R
M!,=Q.G_1U>9J4<[O+=NX-V5CD7)P=VS;7C.\)B1B\+K]UEY<%P4*$JJBX['
MY<D!;&H@@H HP((PX808[(@88C+8XH@H[:61QAAV4H:8'8:0AIEEI"6VFTI0
MA*4IQC&NIF3"(S(C,RDS,YDB,BF9(B*9F2(IF9F9F9F9F9GG6SH "P!:P%:U
MB(  # @ #$"( (Q B(C$0(Q$1$1$1'&O8YQURTXTTXTTXTTXTTXTTXTTXTTX
MTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTX
JTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTTXTU__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>19
<FILENAME>g922344snap1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 g922344snap1.jpg
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M 0$! 0$! 0        $" P0%!@<("0H+$  " 0,# @0#!04$!    7T! @,
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M-T<SJR3L>B^"+KQ+J%I]OUN6W:VN(E>W6)<,,\Y/'IBN.NH1?+ V@Y-79?\
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M(5X;W9WK8M9I#/F[QU_R.^K_ /7<_P A7MT/X43AJ?&>\>$/^1.T;_KSB_\
M017D5?C?J=D/A1LFLBCS_P"&,:2Z/K<;J&1M0D5@>X*BNO%7YHF-/9H\Z\7>
M!-0\.7CO#"]QIS$F.5%)VCT;T/OT-=M'$QFM=S&=-IZ'/Z;J^HZ1.)=/O9K=
M\Y^1B ?J.A_&MI0A/=$*4HGN?P]\82^*=-G6[1%O+4@.4X#@YP<=NAS7DXBC
M[)Z'53GS(\0U_P#Y&/5/^OJ7_P!#->M2^!>ARR^)GLMAH/C)M/MFC\7)&AB4
MJOV)#M&.!FO,E4I7?N_B=2C*RU/,/'MKJ%GXHDBU._%]<^6A\X1A,C' P*[\
M*XN%XJQSUKJ6I[-\/_\ D1-)_P"N1_\ 0C7EU_XK.J'PH\N^+G_(Z+_UZI_-
MJ]#!? <U?XCT'X5?\B+;_P#763_T*N+%?Q6;T?@*]Y_R6JP_[!Q_F]5'^ _4
M'_$1RGQ9\-"ROH]<MDQ%<MLG [/CAOQ _,>];X.K=<K,ZT-;COA9XE,)N?#]
MR_[N5&DMR3]UL?,OXCG\#ZT8JE>TT*C/2Q:4LOP!.WUP?I]HJ'_O17_+LP_A
M(H/C8$]1;.1^E=&,^ SH_$>R:]XAL/#=G'=:B[I"[B,%5+<X)_H:\N$)3T1U
MMI'._P#"UO"W_/Q/_P!^36_U6KV,_:Q.BT+Q!8>)+%KS3G=H5<QDLI4Y !Z'
MZBL*D'!V9I%I[&G6904 (>* .%\5^-K!=.GL+(BYEG1XG/($?&#U^I_*N>I5
M25D>=B<5",7%'-^"?%$&A326MTF+>=@QE_N'Z>E94JG*[,X\'B%2]V2/6+*\
M@O[2.YMI \,@RK 8S78FGJCVXR4E=$],HP]2\7:%H]ZUI?WZPSJ 2I1CP>G0
M5I&E*2ND9RJ1CHV5/^%A^%1_S%D_[]/_ /$U7L9]B?;0[G16UQ'=VT5Q"VZ*
M5 Z-C&01D5EL:IW):0PH * "@ )P* ,"Q\:>']2OH[*SU!9;B0D*@C?G R>V
M.@K1TY15[&<:D6[)F_4&@4@"@"O?7D&GV<EW<MMAB&6.,X'X4-I*[)G)15V8
M'_"?^'1_R^-_WY?_  K+VT#E^N4>YH:9XFTG5Y3%97:O(.=A!4_@"!FJ4XRT
M1K3KPJ.T6:]6;A0 4 % !0 4 % !0 4 % !0 4 % 'RO9?\ (2M_^NJ_SKZ!
M_ _0\]?$?0'C^YL;3PI-+J-A]NMQ(@,/FF/)SP=PYKQZ"E*:46==1I1U/-]?
MU'2=0^&$!TC3OL$<6I!9(=V[YO+8YW=3D8Z^E=E*,HU_>=]#&33IZ'.>"?\
MD=='_P"OA:Z:_P#"D9TOB/6_B9>Z79:58MJFDG48VF(1!.T6T[3SD=?I7FX:
M,I2?*['55:BKLX+QU>Z?J'A?PS<:7:?9+0B=5A_N$%<CWYYS[UV8>,HSDI>1
MC5:<58S?AO\ \C_I7UD_]%M6F*_A,SI?$=A\:O\ 5Z+]9O\ V2N; _$S:OT.
MI^'  ^'FGB/J1)^?F-7-B/XK-*?PGSZP(8@]:]E6LCAZL2F!Z#\'?^1ON/\
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MX]<5Z_*D[]3COI8V?!/_ ".NC_\ 7RM98C2E(NG\1Z/\9_\ D"Z;_P!?!_\
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ML;;P_J]QT$HCME/J2=Q'Y+^M9QTBV<M+W:4Y&YX"\-6FKBYO+^(RQ1,$1"2
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MF_\ Z&E3C?@^95'XF>XXKR3J#%/4  Q2 6F F#1J 8-&H!BE8!:8"8YH ,4
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H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H * "@ H __V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
