<SEC-DOCUMENT>0001140361-21-021389.txt : 20210617
<SEC-HEADER>0001140361-21-021389.hdr.sgml : 20210617
<ACCEPTANCE-DATETIME>20210617141854
ACCESSION NUMBER:		0001140361-21-021389
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20210617
DATE AS OF CHANGE:		20210617
EFFECTIVENESS DATE:		20210617

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:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-257162
		FILM NUMBER:		211024311

	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>S-8
<SEQUENCE>1
<FILENAME>brhc10025868_s8.htm
<DESCRIPTION>S-8
<TEXT>
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  As filed with the Securities and Exchange Commission on June 17, 2021
  <div>
    <div>
      <div style="text-align: right; font-weight: bold;">Registration No. 333-</div>
      <div>
        <div>&#160;
          <hr align="center" style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; margin-left: auto; margin-right: auto;"></div>
      </div>
      <div style="font-size: 14pt;">UNITED STATES</div>
      <div style="font-size: 14pt;">SECURITIES AND EXCHANGE COMMISSION</div>
      <div style="font-size: 12pt;">Washington, D.C. 20549</div>
      <div><br>
      </div>
      <div style="font-size: 18pt; font-weight: bold;">FORM S-8</div>
      <div>REGISTRATION STATEMENT</div>
      <div>UNDER</div>
      <div>THE SECURITIES ACT OF 1933</div>
      <div><br>
      </div>
      <div style="font-size: 24pt; font-weight: bold;">FLUSHING FINANCIAL CORPORATION</div>
      <div>(Exact Name of Registrant as Specified in Its Charter)</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z47c376a424c44d9db86d7851d7248d4d">

          <tr>
            <td style="width: 49%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;">Delaware</div>
              <div style="text-align: center;">(State or Other Jurisdiction of</div>
              <div style="text-align: center;">Incorporation or Organization)</div>
            </td>
            <td colspan="1" style="width: 2%; vertical-align: top;">&#160;</td>
            <td style="width: 49%; vertical-align: top;">
              <div style="text-align: center; font-weight: bold;">11-3209278</div>
              <div style="text-align: center;">(I.R.S. Employer Identification No.)</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="font-weight: bold;">220 RXR Plaza</div>
      <div style="font-weight: bold;">Uniondale, New York 11556</div>
      <div>(Address of Principal Executive Offices)</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">2014 Omnibus Incentive Plan</div>
      <div style="font-weight: bold;">Flushing Bank 401(k) Savings Plan</div>
      <div>(Full Title of the Plan)</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">John R. Buran</div>
      <div style="font-weight: bold;">President and Chief Executive Officer</div>
      <div style="font-weight: bold;">Flushing Financial Corporation</div>
      <div style="font-weight: bold;">220 RXR Plaza</div>
      <div style="font-weight: bold;">Uniondale, New York 11556</div>
      <div style="font-weight: bold;">(718) 512-2704</div>
      <div>(Name, Address, and Telephone Number of Agent For Service)</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Copies of all communications to:</div>
      <div><br>
      </div>
      <div style="font-weight: bold;">Gary J. Simon, Esq.</div>
      <div style="font-weight: bold;">Hughes Hubbard &amp; Reed LLP</div>
      <div style="font-weight: bold;">One Battery Park Plaza</div>
      <div style="font-weight: bold;">New York, NY 10004</div>
      <div style="font-weight: bold;">212-837-6000</div>
      <div>&#160;</div>
      <div style="text-align: left;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.&#160; See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated
        filer&#8221; and &#8220;smaller reporting company&#8221; in Rule 12b&#8209;2 of the Exchange Act.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="za64b3ebb78094705b13fd5fdc07c328a">

          <tr>
            <td style="width: 53.5%; vertical-align: top;">
              <div>Large accelerated filer &#9744;</div>
            </td>
            <td style="width: 46.5%; vertical-align: top;">
              <div>Accelerated filer &#9746;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.5%; vertical-align: top;">
              <div>Non-accelerated filer &#9744;</div>
            </td>
            <td style="width: 46.5%; vertical-align: top;">
              <div>Smaller reporting company &#9744;</div>
            </td>
          </tr>
          <tr>
            <td style="width: 53.5%; vertical-align: top;">&#160;</td>
            <td style="width: 46.5%; vertical-align: top;">
              <div>Emerging growth company &#9744;</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div id="DSPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div style="font-weight: bold;">CALCULATION OF REGISTRATION FEE</div>
      <div style="font-weight: bold;">
        <table cellspacing="0" cellpadding="2" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zb10b3cbba5044d4f991149144d2a68c9">

            <tr>
              <td style="width: 32.2%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Title of Securities</div>
                <div style="text-align: center; font-weight: bold;">To be Registered</div>
              </td>
              <td style="width: 15.25%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Amount</div>
                <div style="text-align: center; font-weight: bold;">to be<br>
                  Registered (1)</div>
              </td>
              <td style="width: 15%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Proposed Maximum</div>
                <div style="text-align: center; font-weight: bold;">Offering Price</div>
                <div style="text-align: center; font-weight: bold;">Per Share (2)</div>
              </td>
              <td style="width: 22.03%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Proposed Maximum Aggregate Offering Price (2)</div>
              </td>
              <td style="width: 16%; vertical-align: bottom; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
                <div style="text-align: center; font-weight: bold;">Amount of Registration Fee</div>
              </td>
            </tr>
            <tr>
              <td style="width: 32.2%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-indent: -17.1pt; margin-left: 17.1pt;"><u>2014 Omnibus Incentive Plan</u></div>
                <div style="text-indent: -17.1pt; margin-left: 17.1pt;">Common Stock, par value $0.01 per share</div>
              </td>
              <td style="width: 15.25%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-align: center;">1,100,000 shares</div>
              </td>
              <td style="width: 15%; vertical-align: middle; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">$22.36</div>
              </td>
              <td style="width: 22.03%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-align: center;">$24,596,000</div>
              </td>
              <td style="width: 16%; vertical-align: middle; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">$2,684</div>
              </td>
            </tr>
            <tr>
              <td style="width: 32.2%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-indent: -17.1pt; margin-left: 17.1pt;"><u>Flushing Bank 401(k) Savings Plan</u></div>
                <div style="text-indent: -17.1pt; margin-left: 17.1pt;">Common Stock, par value $0.01 per share</div>
              </td>
              <td style="width: 15.25%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-align: center;">1,000,000 shares</div>
              </td>
              <td style="width: 15%; vertical-align: middle; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">$22.36</div>
              </td>
              <td style="width: 22.03%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-align: center;">$22,360,000</div>
              </td>
              <td style="width: 16%; vertical-align: middle; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">$2,440</div>
              </td>
            </tr>
            <tr>
              <td style="width: 32.2%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-indent: -17.1pt; margin-left: 17.1pt;">Aggregate amount to be registered</div>
              </td>
              <td style="width: 15.25%; vertical-align: middle; border-left: #000000 2px solid; border-right: #000000 2px solid; border-bottom: #000000 2px solid;">
                <div style="text-align: center;">2,100,000 shares</div>
              </td>
              <td colspan="2" style="vertical-align: middle; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
              <td style="width: 16%; vertical-align: middle; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
                <div style="text-align: center;">$5,124</div>
              </td>
            </tr>

        </table>
      </div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7cd34fe4915a475cb251743dd37730db">

          <tr>
            <td style="width: 18pt; vertical-align: top;">(1)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), this Registration Statement also relates to such indeterminate number of additional shares as may be issuable pursuant to stock splits, stock
                dividends, or similar transactions.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcc8176def3d04e89bff2638a54bdd696">

          <tr>
            <td style="width: 18pt; vertical-align: top;">(2)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The proposed maximum offering price per share of Common Stock and the proposed maximum aggregate offering price are calculated solely for the purpose of determining the registration fee pursuant to Rule&#160;457(h) under the Securities Act
                based on a price of $22.36 per share, which is the average of the high and low sales prices of the Common Stock on June 14, 2021 on the Nasdaq Global Select Market.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div>
        <div>
          <hr align="center" style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; margin-left: auto; margin-right: auto;"></div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="font-weight: bold;">PART II<br>
        INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6f84837469924680b70319fb4cf558ac">

          <tr>
            <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item 3.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Incorporation of Documents by Reference</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">The following documents filed by Flushing Financial Corporation (the &#8220;Company&#8221;) under the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) are incorporated herein by reference:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za4e6cd075d0044e4a3ae180160d75899">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(a)</td>
            <td style="width: auto; vertical-align: top;">
              <div>the Company&#8217;s Annual Report on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/923139/000155837021003065/ffic-20201231x10k.htm">Form 10-K</a> for the year ended December 31, 2020;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za9351b3696ee4a98bd9a9ecb842998d8">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(b)</td>
            <td style="width: auto; vertical-align: top;">
              <div>the Company&#8217;s Quarterly Report on <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/923139/000155837021006495/ffic-20210331x10q.htm">Form 10-Q</a> for the quarter ended March 31, 2021;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6e689b1225a147a582bddf8fc3600576">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(c)</td>
            <td style="width: auto; vertical-align: top;">
              <div>the Company&#8217;s Current Reports on Form 8-K filed <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000092313921000003/ffic-20210105x8k.htm">January 5</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/923139/000092313921000012/ffic-20210401x8k.htm">April 1</a> and <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/923139/000092313921000020/ffic-20210518x8k.htm">May 19, 2021</a>,
                respectively;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc55f576688fe4b35ad5c006b6e334a3f">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(d)</td>
            <td style="width: auto; vertical-align: top;">
              <div>the description of the Company&#8217;s Common Stock, par value $0.01 per share, contained in the Company&#8217;s registration statement therefor and subsequent amendments thereof or reports filed for the purpose of updating that description; and</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2dddc121e1cc44f9a4f0c0ed4776e3d7">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(e)</td>
            <td style="width: auto; vertical-align: top;">
              <div>the Annual Report on <a href="https://www.sec.gov/Archives/edgar/data/0000923139/000092313920000008/ffic-20191231x11k.htm">Form 11-K</a> of the Flushing Bank 401(k) Savings Plan for the year ended December 31, 2019.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">All documents filed by the Company pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act after the date of this Registration Statement and prior to the filing of a post-effective
        amendment which indicates that all securities offered hereby have been sold or which deregisters securities then remaining unsold, shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date
        of the filing of such documents.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Any statement contained in a document incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained
        in a subsequently filed document which is also incorporated by reference herein modifies or supersedes such statement.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcb17af1191324943b62ca6b683746ad1">

          <tr>
            <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item 4.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Description of Securities</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Not applicable.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z220b02c0621a4dee94ea240b54a72804">

          <tr>
            <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item 5.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Interests of Named Experts and Counsel</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Not applicable.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zda81cebb5ebb47269961bc99c1830825">

          <tr>
            <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item 6.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Indemnification of Directors and Officers</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Section 145 of the Delaware General Corporation Law (&#8220;DGCL&#8221;) empowers a Delaware corporation to 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, whether civil, criminal, administrative or investigative (other than an action by or in the right of the corporation) by reason of the fact that such person 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 attorneys&#8217; fees),
        judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceeding 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, with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful. Similar indemnification is authorized for such person against expenses
        (including attorneys&#8217; fees) actually and reasonably incurred in connection with the defense or settlement of any threatened, pending or completed action or suit by or in the right of <br>
      </div>
      <div style="text-indent: 36pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
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      </div>
      <div style="text-align: left;">the corporation if such person 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 provided further that (unless a court of competent
        jurisdiction otherwise provides) he shall not have been adjudged liable to the corporation. Any such indemnification (unless ordered by a court) may be made by the corporation only as authorized in each specific case by the corporation upon a
        determination that indemnification of the present or former director, officer, employee or agent is proper because such person has met the applicable standard of conduct, which indemnification shall be made in the case of a director or officer at
        the time of the determination by the shareholders, a majority vote of disinterested directors, a committee of disinterested directors or by independent legal counsel in a written opinion, if there are no such directors or if such directors so
        direct.</div>
      <div><br>
      </div>
      <!--PROfilePageNumberReset%Num%2%%%-->
      <div style="text-indent: 36pt; text-align: left;">Section 145 of the DGCL also authorizes a corporation to pay the expenses (including attorneys&#8217; fees) incurred by an officer or director in defending any such proceedings in advance of their final
        disposition.&#160; Such advance payment of expenses, however, may be made only upon delivery to the corporation by the indemnified party of an undertaking to repay all amounts so advanced if it shall ultimately be determined that the person receiving
        such payments is not entitled to be indemnified pursuant to Section 145 of the DGCL.&#160; The DGCL also provides that its provisions regarding indemnification and advancement of expenses are not exclusive of other rights which may be provided by bylaw,
        agreement, or otherwise.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Section 145 of the DGCL further authorizes a corporation to purchase and maintain insurance, at its expense, on behalf of any person who 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 or enterprise, against any liability asserted against or incurred by such person in any such capacity, or arising
        out of such status, whether or not the corporation would otherwise have the power to indemnify such person against such liability under Section 145 of the DGCL.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Article TENTH of the Company&#8217;s Certificate of Incorporation limits the personal liability of directors in specified circumstances and sets forth circumstances under which directors, officers,
        employees and agents of the Company may be indemnified against liability which they incur in their capacities as such.&#160; Article TENTH provides as follows:</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 36pt; text-align: left;">TENTH.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">(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) for any breach of the director&#8217;s duty of loyalty to the Corporation or its stockholders, (ii) for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (iii) under Section 174 of
        the Delaware General Corporation Law, or (iv) 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.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">(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 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 &#8220;Proceeding&#8221;), 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&#8217; fees and expenses, expenses and cost of investigations, and expenses of enforcement of such person&#8217;s rights under this Article
        TENTH) incurred by such person in connection with such Proceeding; provided, however, that no <br>
      </div>
      <div style="text-indent: 36pt; margin-left: 72pt;"> <br>
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        <div id="DSPFPageNumberArea"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
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      <div style="margin-left: 72pt; text-align: left;">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.</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">(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&#8217;s heirs,
        executors and administrators.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">(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.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">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 By-Laws of the Corporation, agreement, vote of stockholders or disinterested directors or otherwise.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">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.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; margin-left: 72pt; text-align: left;">Neither the amendment nor repeal of this Article TENTH, nor the adoption of any provision of the Certificate of Incorporation or By-Laws 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.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">The Company has entered into Indemnity Agreements with each of its directors and executive officers, which provide for mandatory indemnification for each such person to the full extent permitted by
        law against judgments, fines, amounts paid in settlement in connection with any claim arising out of such person&#8217;s service to the Company unless he was adjudicated to have acted in bad faith, deliberate dishonesty or for personal gain.&#160; The
        agreements provide for advancement of expenses and specify procedures for determining entitlement to indemnification in a particular case.</div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">The Company maintains insurance coverage under which the Company&#8217;s officers and directors (as well as the Company) are indemnified under certain circumstances with respect to litigation and other
        costs and liabilities arising out of actual or alleged misconduct of such officers and directors.</div>
      <div style="text-align: left;">&#160;</div>
      <div>
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                <div style="text-align: left;"><font style="font-weight: bold;">Item 7.</font></div>
              </td>
              <td style="align: left; vertical-align: top; width: auto;">
                <div style="text-align: left;"><font style="font-weight: bold;">Exemption from Registration Claimed</font></div>
              </td>
            </tr>

        </table>
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      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Not applicable.</div>
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            <tr style="vertical-align: top;">
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                <div style="text-align: left;"><font style="font-weight: bold;">Item 8.</font></div>
              </td>
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                <div style="text-align: left;"><font style="font-weight: bold;">Exhibits</font></div>
              </td>
            </tr>

        </table>
      </div>
      <div style="text-align: left;">&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">See Exhibit Index.</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
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          <tr>
            <td style="width: 36pt; vertical-align: top; font-weight: bold;">Item 9.</td>
            <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">Undertakings</div>
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          </tr>

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      <div>&#160;</div>
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            <td style="width: 36pt; vertical-align: top;">(a)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The undersigned registrant hereby undertakes:</div>
            </td>
          </tr>

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      <div>&#160;</div>
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            <td style="width: 36pt;"><br>
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            <td style="width: 36pt; vertical-align: top;">(1)</td>
            <td style="width: auto; vertical-align: top;">
              <div>To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 72pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(i)</td>
            <td style="width: auto; vertical-align: top;">
              <div>To include any prospectus required by section 10(a)(3) of the Securities Act;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 72pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(ii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>To reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change
                in the information set forth in the Registration Statement;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 72pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(iii)</td>
            <td style="width: auto; vertical-align: top;">
              <div>To include any material information with respect to the plan of distribution not disclosed previously in the Registration Statement or any material change to such information in the Registration Statement;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt; text-align: left;">Provided however, that paragraphs (a)(1)(i) and (a)(1)(ii) of this section do not apply if the registration statement is on Form S-8, and the information required to be included in a post-effective
        amendment by those paragraphs is contained in reports filed with or furnished to the Securities and Exchange Commission by the registrant pursuant to section 13 or section 15(d) of the Exchange Act that are incorporated by reference in the
        Registration Statement.</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(2)</td>
            <td style="width: auto; vertical-align: top;">
              <div>That, for the purpose of determining any liability under the Securities Act, each such post-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 <font style="font-style: italic;">bona fide</font> offering thereof.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">(3)</td>
            <td style="width: auto; vertical-align: top;">
              <div>To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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            <td style="width: 36pt; vertical-align: top;">(b)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Company&#8217;s annual report pursuant to section 13(a) or section 15(d) of the Exchange Act (and, where
                applicable, each filing of the Flushing Bank 401(k) Savings Plan&#8217;s annual report pursuant to section 15(d) of the 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 <font style="font-style: italic;">bona fide</font> offering thereof.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt; vertical-align: top;">(c)</td>
            <td style="width: auto; vertical-align: top;">
              <div>Insofar as indemnification for liabilities arising under the Securities Act 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 Securities 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 Securities Act and will be governed by the final adjudication of such issue.</div>
            </td>
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      </table>
      <div> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div id="DSPFPageNumberArea"><font id="DSPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
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      <div style="font-weight: bold;">SIGNATURES<a name="SIGNATURES"><!--Anchor--></a></div>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Pursuant to the requirements of the Securities Act of 1933, the Company certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly
        caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in Uniondale, New York, on June 17, 2021.</div>
      <div><br>
      </div>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td rowspan="1" colspan="3" style="vertical-align: top;">
              <div>FLUSHING FINANCIAL CORPORATION</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ Susan K. Cullen </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div>Name:</div>
            </td>
            <td style="width: 42%; vertical-align: top;">Susan K. Cullen</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Title:<br>
              </div>
            </td>
            <td style="width: 42%; vertical-align: top;">
              <div>Senior Executive Vice President,</div>
              <div>Treasurer and Chief Financial Officer</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-indent: 36pt; text-align: left;">Pursuant to the requirements of the Securities Act of 1933, the Flushing Bank 401(k) Savings Plan administrator has duly caused this Registration Statement to be signed on its behalf by the
        undersigned, thereunto duly authorized, in Uniondale, New York, on June 17, 2021.</div>
      <div><br>
      </div>
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            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td rowspan="1" colspan="3" style="vertical-align: top;">
              <div>FLUSHING BANK 401(K) SAVINGS PLAN</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td colspan="2" style="vertical-align: top;">&#160;</td>
          </tr>
          <tr>
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            <td colspan="1" style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
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            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>/s/ Susan K. Cullen </div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
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              <div>Name:&#160;<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;"></sup></div>
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            <td style="width: 42%; vertical-align: top;">Susan K. Cullen</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 3%; vertical-align: top;">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Title:&#160; <br>
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            <td style="width: 42%; vertical-align: top;">Plan Administrator</td>
          </tr>

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      <div><br>
      </div>
      <div style="text-indent: 36pt; text-align: left;">Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities indicated.&#160; In addition, we the undersigned directors
        and officers of the Company hereby severally constitute and appoint John R. Buran, Susan K. Cullen and Maria A. Grasso, or any one of them acting alone, as our true and lawful attorneys and agents, to do any and all things in our names in the
        capacities indicated below which he or she may deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities and Exchange Commission, including
        specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto; and we hereby approve, ratify
        and confirm all that he or she shall do or cause to be done by virtue thereof.</div>
      <div><br>
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            <td style="width: 39%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><u>Name</u></div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            <td style="width: 41%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><u>Capacity</u></div>
            </td>
            <td style="width: 14.97%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><u>Date</u></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: top;">&#160;</td>
            <td style="width: 41%; vertical-align: top;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Alfred A. DelliBovi</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
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            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
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          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
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            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
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          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Michael A. Azarian</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
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          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Michael A. Azarian</div>
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            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
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          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ John R. Buran</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
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            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
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          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">John R. Buran</div>
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            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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          <tr>
            <td rowspan="1" style="width: 39%; vertical-align: bottom;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><u>Name</u></div>
            </td>
            <td colspan="1" rowspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td rowspan="1" style="width: 41%; vertical-align: bottom;">
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            <td rowspan="1" style="width: 14.97%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><u>Date</u></div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 39%; vertical-align: bottom;">&#160;</td>
            <td colspan="1" rowspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td rowspan="1" style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td rowspan="1" style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ James D. Bennett</td>
            <td colspan="1" rowspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td rowspan="1" style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td rowspan="1" style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
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            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 39%; vertical-align: bottom;">&#160;</td>
            <td rowspan="1" colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td rowspan="1" style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td rowspan="1" style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;/s/ Susan K. Cullen</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
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            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Susan K. Cullen</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Steven J. D&#8217;Iorio</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Steven J. D&#8217;Iorio</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Louis C. Grassi</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Louis C. Grassi</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Sam S. Han</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Sam S. Han</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Douglas C. Manditch</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Douglas C. Manditch</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ John J. McCabe</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">John J. McCabe</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Donna M. O&#8217;Brien</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Donna M. O&#8217;Brien</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Michael J. Russo</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="color: rgb(0, 0, 0);">Michael J. Russo</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;" rowspan="1">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;" rowspan="1">&#160;</td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Caren C. Yoh</td>
            <td colspan="1" style="width: 5%; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom; padding-bottom: 2px;">
              <div style="text-align: center; color: rgb(0, 0, 0);">Director</div>
            </td>
            <td style="width: 14.97%; vertical-align: top; padding-bottom: 2px;">
              <div style="text-align: center;">June 17,<font style="color: rgb(0, 0, 0);"> 2021</font></div>
            </td>
          </tr>
          <tr>
            <td style="width: 39%; vertical-align: bottom;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Caren C. Yoh</div>
            </td>
            <td colspan="1" style="width: 5%; vertical-align: bottom;">&#160;</td>
            <td style="width: 41%; vertical-align: bottom;">&#160;</td>
            <td style="width: 14.97%; vertical-align: top;">&#160;</td>
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      </div>
      <div style="font-weight: bold;"><u>EXHIBIT INDEX</u></div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zcc37dcaff7dc40b6a3e1bdb61a88b441">

          <tr>
            <td style="width: 14%; vertical-align: top;">
              <div><u>Exhibit No.</u></div>
            </td>
            <td style="width: 86%; vertical-align: top;">
              <div><u>Description</u></div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.1</div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 3.1 to the Company&#8217;s Registration Statement on Form S-1, filed September 1, 1995 Registration No.&#160;33&#8209;96488)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>4.2</div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 4.2 to the Company&#8217;s Registration Statement on Form S-8 filed May 31, 2002)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="https://www.sec.gov/Archives/edgar/data/923139/000117184312000924/exh_33.htm">4.3</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 3.3 to Form 10-K filed March 15, 2012)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="https://www.sec.gov/Archives/edgar/data/923139/000117184314003862/exh_36.htm">4.4</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Amended and Restated By&#8209;Laws of Flushing Financial Corporation (incorporated by reference to Exhibit 3.6 to Form 10-Q filed August 11, 2014)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="brhc10025868_ex5-1.htm">5.1</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Opinion of Hughes Hubbard &amp; Reed LLP</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="brhc10025868_ex23-1.htm">23.1</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Consent of BDO USA, LLP</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="brhc10025868_ex23-2.htm">23.2</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Consent of BDO USA, LLP</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="brhc10025868_ex5-1.htm">23.3</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Consent of Hughes Hubbard &amp; Reed LLP (contained in Exhibit 5.1)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="#SIGNATURES">24.1</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Powers of Attorney (contained on the signature page hereof)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="https://www.sec.gov/Archives/edgar/data/923139/000119312521109825/d45192ddef14a.htm#toc45192_70">99.1</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>2014 Omnibus Incentive Plan, as amended through May 18, 2021 (incorporated by reference to Appendix A to the Company&#8217;s Proxy Statement on Schedule 14A, filed April 8, 2021)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="https://www.sec.gov/Archives/edgar/data/923139/000117184317004744/exh_992.htm">99.2</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Flushing Bank 401(k) Savings Plan (incorporated by reference to Exhibit 99.2 to the Company&#8217;s Registration Statement on Form S-8, filed August 4, 2017)</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="brhc10025868_ex99-3.htm">99.3</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Amendment to Flushing Bank 401(k) Savings Plan dated January 21, 2020.</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 14%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 86%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div><a href="brhc10025868_ex99-4.htm">99.4</a></div>
            </td>
            <td style="width: 86%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div>Amendment to Flushing Bank 401(k) Savings Plan dated October 28, 2020.</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div><br>
      </div>
      <div>&#160;</div>
      <font style="font-size: 8pt;">7</font>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;"></div>
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<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>brhc10025868_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
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  <div>
    <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 5.1</font><br>
    </div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z5ea40fd701554e43ac488163cec2fe5d">

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            <div><img src="logo.jpg"></div>
          </td>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: right; margin-left: 43.2pt; font-weight: bold;">Hughes Hubbard &amp; Reed LLP</div>
            <div style="text-align: right;">One Battery Park Plaza</div>
            <div style="text-align: right;">New York, New York 10004-1482</div>
            <div style="text-align: right;">Telephone: 212-837-6000</div>
            <div style="text-align: right;">Fax: 212-422-4726</div>
            <div style="text-align: right;">hugheshubbard.com</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div style="text-align: center;">June 17, 2021</div>
    <div><br>
    </div>
    <div>Flushing Financial Corporation</div>
    <div>220 RXR Plaza</div>
    <div>Uniondale, NY&#160; 11556</div>
    <div><br>
    </div>
    <div style="text-indent: 36pt;">Re:&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<u>2014 Omnibus Incentive Plan and Flushing Bank 401(k) Savings Plan</u></div>
    <div>&#160;</div>
    <div>Ladies and Gentlemen:</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">We have acted as counsel to Flushing Financial Corporation, a Delaware corporation (the &#8220;Company&#8221;), in connection with a Registration Statement on Form&#160;S-8 (the &#8220;Registration Statement&#8221;) under the Securities Act of 1933,
      as amended (the &#8220;Act&#8221;), relating to the issuance by the Company from time to time of (i) an additional 1,100,000 shares of common stock, $0.01 par value (the &#8220;Common Stock&#8221;), of the Company, to be issued pursuant to the Company&#8217;s 2014 Omnibus
      Incentive Plan, as amended through May 18, 2021 (the &#8220;Incentive Plan&#8221;), and (ii) an additional 1,000,000 shares of Common Stock to be issued pursuant to the Flushing Bank 401(k) Savings Plan (together with the Incentive Plan, the &#8220;Plans&#8221;).&#160; This
      opinion is being furnished in accordance with the requirements of Item 8 of Form S-8 and Item 601(b)(5)(i) of Regulation S-K of the Act.</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">We have examined such documents and have reviewed such questions of law as we have considered necessary and appropriate for the purposes of the opinions set forth below.&#160; In rendering our opinions set forth below, we
      have assumed the authenticity of all documents submitted to us as originals, the genuineness of all signatures and the conformity to authentic originals of all documents submitted to us as copies.&#160; We have also assumed the legal capacity for all
      purposes relevant hereto of all natural persons and, with respect to all parties to agreements or instruments relevant hereto other than the Company, that such parties had the requisite power and authority (corporate or otherwise) to execute, deliver
      and perform such agreements or instruments, that such agreements or instruments have been duly authorized by all requisite action (corporate or otherwise), executed and delivered by such parties and that such agreements or instruments are the valid,
      binding and enforceable obligations of such parties.&#160; As to questions of fact material to our opinions, we have relied upon certificates of officers of the Company and of public officials.</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">Based on the foregoing, we are of the opinion that if, as and when the shares referenced above have been issued and sold (and the consideration therefor received) in accordance with the terms of the respective Plans and
      in accordance with the Registration Statement, such shares will be validly issued, fully paid and nonassessable.</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">Our opinion expressed above is limited to the Delaware General Corporation Law, and we express no opinion with respect to the applicability of any other laws.&#160; We hereby consent to the filing of this opinion letter as
      Exhibit 5.1 to the Registration Statement.&#160; In giving this consent, we do not thereby admit that we are within the category of persons whose consent is required under Section 7 of the Act, the rules and regulations of the Securities and Exchange
      Commission promulgated thereunder, or Item 509 of Regulation S-K.</div>
    <div>&#160;</div>
    <div style="text-indent: 36pt;">This opinion letter is rendered as of the date first written above and we disclaim any obligation to advise you of facts, circumstances, events or developments which hereafter may be brought to our attention and which
      may alter, affect or modify the opinions expressed herein.&#160; Our opinions are expressly limited to the matters set forth above and we render no opinion, whether by implication or otherwise, as to any other matters relating to the Company, the Plan or
      the Shares.</div>
    <div>&#160;</div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zea9e4fabe24c43b7812ce278c4842ae1">

        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div>Very truly yours,</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">
            <div>/s/ Hughes Hubbard &amp; Reed LLP</div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <br>
    <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; margin-left: auto; margin-right: auto; border: none;">
    <div><br>
    </div>
    <br>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>brhc10025868_ex23-1.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
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    <div>
      <div style="text-align: right;">Exhibit 23.1</div>
      <div><br>
      </div>
      <div style="text-align: center;">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
      <div><br>
      </div>
      <div>Flushing Financial Corporation</div>
      <div>Uniondale, New York</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">We hereby consent to the incorporation by reference in this Registration Statement on Form S-8 of Flushing Financial Corporation of our reports dated March 16, 2021, relating
        to the consolidated financial statements of Flushing Financial Corporation and the effectiveness of Flushing Financial Corporation&#8217;s internal control over financial reporting, appearing in the Company&#8217;s Annual Report on Form 10-K for the year ended
        December 31, 2020.</div>
      <div><br>
      </div>
      <div>/s/ BDO USA, LLP</div>
      <div><br>
      </div>
      <div>BDO USA, LLP</div>
      <div>New York, New York</div>
      <div><br>
      </div>
      <div>June 17, 2021</div>
    </div>
    <div><br>
      <br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>4
<FILENAME>brhc10025868_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
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    <div>
      <div style="text-align: right;">Exhibit 23.2</div>
      <div><br>
      </div>
      <div style="text-align: center;">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</div>
      <div><br>
      </div>
      <div>Flushing Financial Corporation</div>
      <div>Uniondale, New York</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">We hereby consent to the incorporation by reference in this Registration Statement on Form S-8 of Flushing Financial Corporation of our report dated June 23, 2020, with respect
        to the financial statements and supplemental schedule of Flushing Bank 401(k) Savings Plan, which&#160; report appears in the December 31, 2019 annual report on Form 11-K of Flushing Bank 401(k) Savings Plan.</div>
      <div><br>
      </div>
      <div>/s/ BDO USA, LLP</div>
      <div><br>
      </div>
      <div>BDO USA, LLP</div>
      <div>New York, New York</div>
      <div><br>
      </div>
      <div>June 17, 2021</div>
      <div><br>
      </div>
    </div>
    <div><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>5
<FILENAME>brhc10025868_ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
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    <div>
      <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 99.3</font><br>
        <div><br>
        </div>
        Execution Version</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">FOURTH AMENDMENT</div>
      <div style="text-align: center; font-weight: bold;">TO THE</div>
      <div style="text-align: center; font-weight: bold;">FLUSHING BANK 401(k) SAVINGS PLAN</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">January 1, 2016 Restatement</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Flushing Bank 401(k) Savings Plan, originally effective as of September 1, 1987, as presently maintained under an amendment and restatement made effective as of January 1, 2016, is hereby amended as follows,
        effective for Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or after January 1, 2020:</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8f6eb3aea4a74a308e0785b575007c56">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">1.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The definition of &#8220;Eligible Employee&#8221; in Section 1.1 is hereby amended in its entirety to read as follows:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;An "<font style="font-weight: bold;">Eligible Employee</font>" means: (1) for purposes of 401(k) Contributions and Rollover Contributions, any Covered Employee who has met the eligibility requirements for making such
        contributions under Article III; and (2) for purposes of Matching and Special Annual Company Contributions, any Covered Employee who has met the eligibility requirements for receiving allocations of such contributions under Article III; and (3) for
        purposes of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or before January 1, 2019, any Covered Employee who has met the eligibility requirements for receiving allocations of such contributions under Article
        III; and (4) for purposes of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or after January 1, 2020, any Grandfathered Covered Employee who has met the eligibility requirements for receiving allocations of
        such contributions under Article III.&#8221;</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4bab92ba66ef482a973bec5b4ea69ec5">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">2.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 1.1 is hereby amended by adding the following new definition immediately after the definition of &#8220;General Fund&#8221;:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;A "<font style="font-weight: bold;">Grandfathered Covered Employee</font>"<font style="font-weight: bold;">&#160;</font>means, for purposes of Profit Sharing and Retirement Account Contributions made for Plan Years
        beginning on or after January 1, 2020, a Covered Employee who either (1) was a Covered Employee on December 31, 2019 and has continued to be a Covered Employee at all times since December 31, 2019; or (2) had an outstanding offer letter from an
        Employer as of December 31, 2019, was hired by an Employer as a Covered Employee during January 2020, and has continued to be a Covered Employee at all times since such January 2020 date of hire.&#160; Notwithstanding any other provision of the Plan, a
        Grandfathered Covered Employee who, for any reason, ceases to be a Covered Employee on or after January 1, 2020 shall also cease to be a Grandfathered Covered Employee as of the date he ceases to be a Covered <br>
      </div>
      <div>&#160;</div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="margin-left: 72pt;"> Employee and shall not again become a Grandfathered Covered Employee even if he again becomes a Covered Employee.&#8221;</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z39a27d6b2e164dbb9e9cc433dcbb65a7">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">3.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The last sentence of the first paragraph of Section 3.1 (&#8220;Eligibility&#8221;) is hereby amended by replacing &#8220;the following paragraph&#8221; (at the end thereof) with &#8220;the following paragraphs&#8221;.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze47d936d10c54d1bbb9712f025e4fcff">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">4.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 3.1 (&#8220;Eligibility&#8221;) hereby amended by replacing the last paragraph thereof with the following three paragraphs:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;A Covered Employee shall become an Eligible Employee eligible to receive allocations of Matching and Special Annual Company Contributions as of the Enrollment Date next following the calendar month in which the
        Covered Employee has both attained age 21 and completed one year of Eligibility Service.</div>
      <div><br>
      </div>
      <div style="margin-left: 72pt;">Prior to January 1, 2020, a Covered Employee shall become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or before January
        1, 2019 as of the Enrollment Date next following the calendar month in which the Covered Employee has both attained age 21 and completed one year of Eligibility Service.</div>
      <div><br>
      </div>
      <div style="margin-left: 72pt;">Effective January 1, 2020, a Grandfathered Covered Employee who was eligible to receive allocations of Profit Sharing and Retirement Account Contributions under the Plan immediately prior to January 1, 2020 shall
        continue to be an Eligible Employee eligible to receive allocations of such contributions on January 1, 2020.&#160; Each other Grandfathered Covered Employee shall become an Eligible Employee eligible to receive allocations of Profit Sharing and
        Retirement Account Contributions as of the Enrollment Date next following the calendar month in which the Grandfathered Covered Employee has both attained age 21 and completed one year of Eligibility Service.&#160; Notwithstanding any other provision of
        the Plan, in no event shall anyone other than a Grandfathered Covered Employee be an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or after January 1,
        2020.&#8221;</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zce5c458a6df0479c9cca4ddc6e17830d">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">5.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 3.2 (&#8220;Transfers of Employment&#8221;) is hereby amended by adding the following two new paragraphs at the end thereof:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;Notwithstanding the preceding paragraph, if, on or after January 1, 2020, an Employee is transferred directly from employment with an Employer or with a Related Employer in a capacity other than as a Covered Employee
        to employment as a Covered Employee, he shall become an Eligible Employee (for all purposes of the Plan other than Profit Sharing and Retirement Account Contributions) as of the date he is so transferred if prior to such transfer date he has met
        the eligibility requirements for Matching and Special Annual Company Contributions under Section 3.1. Otherwise, the eligibility of a person who is so transferred to participate in the Plan shall be determined in accordance with Section 3.1.</div>
      <div>&#160;</div>
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      <div style="margin-left: 72pt;">In no event shall anyone become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as a result of such a transfer on or after January 1, 2020.&#8221;</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">6.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 3.3 (&#8220;Reemployment&#8221;) is hereby amended by adding the following two new paragraphs at the end thereof:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;Notwithstanding the preceding paragraph, if a person who terminated employment with an Employer and all Related Employers is reemployed as a Covered Employee on or after January 1, 2020 and if he had met the
        eligibility requirements for Matching and Special Annual Company Contributions under Section 3.1 prior to his termination of employment, he shall again become an Eligible Employee (for all purposes of the Plan other than Profit Sharing and
        Retirement Account Contributions) on the date he is reemployed. If such person was not an Eligible Employee prior to his termination of employment, but had satisfied the requirements of Section 3.1 for Matching and Special Annual Company
        Contributions prior to such termination, he shall become an Eligible Employee (for all purposes of the Plan other than Profit Sharing and Retirement Account Contributions) as of the later of the date he is reemployed or the date he would have
        become an Eligible Employee for purposes of Matching and Special Annual Company Contributions in accordance with the provisions of Section 3.1 if he had continued employment as a Covered Employee.</div>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">In no event shall anyone become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as a result of reemployment on or after January 1, 2020.&#8221;<a name="OLE_LINK5"></a><a name="OLE_LINK6"></a></div>
      <div>&#160;</div>
      <div style="text-align: center;">*&#160; &#160; *&#160; &#160; *</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">EXECUTED at Uniondale, New York this 21st day of January, 2020.</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z825bd14484da4a368216a3eb785f7e0f">

          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>FLUSHING BANK</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>By: /s/ Ruth Filiberto</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div>Title: Director of Human Resources<br>
              </div>
            </td>
          </tr>

      </table>
      <div style="margin-left: 215.05pt;"><br>
        <font style="font-size: 12pt;"></font><br>
      </div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>6
<FILENAME>brhc10025868_ex99-4.htm
<DESCRIPTION>EXHIBIT 99.4
<TEXT>
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  <div>
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    <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 99.4</font><br>
    </div>
    <div><br>
    </div>
    <div>
      <div style="text-align: center; font-weight: bold;">FIFTH AMENDMENT</div>
      <div style="text-align: center; font-weight: bold;">TO THE</div>
      <div style="text-align: center; font-weight: bold;">FLUSHING BANK 401(k) SAVINGS PLAN</div>
      <div><br>
      </div>
      <div style="text-align: center; font-weight: bold;">January 1, 2016 Restatement</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">The Flushing Bank 401(k) Savings Plan, originally effective as of September 1, 1987, as presently maintained under an amendment and restatement made effective as of January 1, 2016, is hereby amended as follows,
        contingent upon, and subject to, the closing of the transactions contemplated by the &#8220;Empire Merger Agreement&#8221; (as defined below), effective as of the &#8220;Empire Merger Date&#8221; (as defined below):</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">1.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The definition of &#8220;Early Retirement Date&#8221; in Section 1.1 is hereby amended by adding the following new sentence at the end thereof:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;In the case of an Empire Employee, his "vested service" shall include his Empire Service.&#8221;</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">2.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 1.1 is hereby amended by adding the following new definitions immediately after the definition of &#8220;Eligibility Service&#8221;:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;<font style="font-weight: bold;">"Empire" </font>means Empire National Bank or Empire Bancorp, Inc.</div>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">An <font style="font-weight: bold;">"Empire Employee" </font>means an Employee who was an employee of Empire immediately prior to the Empire Merger Date and was an Employee of an Employer on the Empire Merger Date.</div>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">The <font style="font-weight: bold;">"Empire Merger Agreement" </font>means the Agreement and Plan of Bank Merger, dated as of October 24, 2019, by and between Flushing Bank and Empire National Bank.</div>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">The <font style="font-weight: bold;">"Empire Merger Date" </font>means the day after the &#8220;Effective Time&#8221; (as defined in the Empire Merger Agreement) of the merger of Empire National Bank with and into Flushing Bank,
        with Flushing Bank as the surviving entity, pursuant to the Empire Merger Agreement.&#8221;</div>
      <div>&#160;</div>
      <div style="margin-left: 72pt;"><font style="font-weight: bold;">"Empire Service"</font> means an Empire Employee&#8217;s service with Empire prior to the Empire Merger Date.&#8221;</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaff24db99cff426d85bfc1f6a8c502ad">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">3.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The definition of &#8220;Grandfathered Covered Employee&#8221; in Section 1.1 is hereby amended by adding the following new sentence immediately prior to the last sentence thereof (which sentence begins &#8220;Notwithstanding any other provision &#8230;):&#160; &#160; &#160;&#160;
              </div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;In addition, the term &#8220;Grandfathered Covered Employee&#8221; shall also include a Covered Employee who (1) was employed by Empire at all times from December<br>
        <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="margin-left: 72pt;">&#160;31, 2019 through the day before the Empire Merger Date, (2) became a Covered Employee on the Empire Merger Date, and (3) has continued to be a Covered Employee at all times since the Empire Merger Date.&#8221;</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">4.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 2.4 (&#8220;Eligibility Service&#8221;) is hereby amended by adding the following new paragraph at the end thereof:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;The Eligibility Service of an Empire Employee shall include his Empire Service.&#8221;</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">5.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 2.5 (&#8220;Vesting Service&#8221;) is hereby amended by adding the following new paragraph (e) at the end thereof:</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
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          <tr>
            <td style="width: 72pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">&#8220;(e)</td>
            <td style="width: auto; vertical-align: top;">
              <div>The Vesting Service of an Empire Employee shall include his Empire Service.&#8221;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4b83efd20df44477b57056a10b7da704">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">6.</td>
            <td style="width: auto; vertical-align: top;">
              <div>Section 3.1 is hereby amended by adding the following new sentence at the end of the second paragraph thereof (which paragraph begins &#8220;A Covered Employee shall &#8230;&#8221;</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;Notwithstanding the preceding sentence, (i) an Empire Employee who, as of the Empire Merger Date, is a Covered Employee, has attained age 21, and has completed one year of Eligibility Service shall become an Eligible
        Employee eligible to receive allocations of Matching and Special Annual Company Contributions as of the Empire Merger Date; and (ii) any other Empire Employee shall become an Eligible Employee eligible to receive allocations of Matching and Special
        Annual Company Contributions as of the Enrollment Date next following the calendar month in which he is a Covered Employee, has attained age 21, and has completed one year of Eligibility Service.&#8221;</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7070b0d54b034d21b1da7e2e0834a522">

          <tr>
            <td style="width: 36pt;"><br>
            </td>
            <td style="width: 36pt; vertical-align: top;">7.</td>
            <td style="width: auto; vertical-align: top;">
              <div>The fourth paragraph of Section 3.1 is hereby amended by adding the following new sentence immediately prior to the last sentence thereof (which sentence begins &#8220;Notwithstanding any other provision&#8230;&#8221;):</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 72pt;">&#8220;Notwithstanding the preceding sentence, (i) an Empire Employee who, as of the Empire Merger Date, is a Grandfathered Covered Employee, has attained age 21, and has completed one year of Eligibility Service shall
        become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as of the Empire Merger Date; and (ii) any other Empire Employee who is a Grandfathered Covered Employee shall become an Eligible
        Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as of the Enrollment Date next following the calendar month in which he is a Grandfathered Covered Employee, has attained age 21, and has completed one
        year of Eligibility Service.&#8221;</div>
      <div>&#160;</div>
      <div>
        <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">

            <tr>
              <td style="width: 36pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">8.</td>
              <td style="width: auto; vertical-align: top;">
                <div>Section 5.5 is hereby amended in its entirety to read as follows:</div>
              </td>
            </tr>

        </table>
        <br>
      </div>
      <div style="margin-left: 72pt;">&#8220;<font style="font-weight: bold;">5.5</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;">Restrictions on Rollover Contributions</font></div>
      <div style="margin-left: 72pt;"><font style="font-weight: bold;"> <br>
        </font></div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" id="DSPFPageBreakArea">
        <div style="page-break-after:always;" id="DSPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="margin-left: 72pt;">Rollover Contributions to the Plan are subject to the following:</div>
      <div>&#160;</div>
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          <tr>
            <td style="width: 90pt;"><br>
            </td>
            <td style="width: 18pt; vertical-align: top;">&#8226;</td>
            <td style="width: auto; vertical-align: top;">
              <div>except as provided below, the Plan shall not accept a Rollover Contribution of any promissory note attributable to a plan loan; and</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0c43fa9f9685457a993febdb04d8fc6d">

          <tr>
            <td style="width: 90pt;"><br>
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            <td style="width: 18pt; vertical-align: top;">&#8226;</td>
            <td style="width: auto; vertical-align: top;">
              <div>a rollover may not include designated Roth contributions, as described in Code Section 402A, or after-tax employee contributions.</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="margin-left: 90pt;">Notwithstanding the foregoing (or the requirement that a Rollover Contribution be made in cash), an Eligible Employee may elect to make a Rollover Contribution of a promissory note attributable to a plan loan from the
        Empire National Bank 401(k) Plan on such terms and conditions as the Administrator may require, provided such loan was not funded from a designated Roth contribution or after-tax employee contribution source and such rollover is a direct rollover
        which would otherwise satisfy the Plan&#8217;s requirements for a Rollover Contribution.&#160; Any such promissory note shall continue to be administered in accordance with its terms.&#8221;</div>
      <div><a name="OLE_LINK5"></a><br>
      </div>
      <div style="text-align: center;">*&#160; &#160; *&#160; &#160; *</div>
      <div><br>
      </div>
      <div style="text-indent: 36pt;">EXECUTED at Uniondale, New York this 28th day of October, 2020.</div>
      <div><br>
      </div>
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          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 40%; vertical-align: top;">
              <div>FLUSHING BANK</div>
            </td>
            <td colspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 40%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 40%; vertical-align: top;">
              <div>By: /s/ Ruth Filiberto</div>
            </td>
            <td colspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 40%; vertical-align: top;">&#160;</td>
            <td colspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
            <td style="width: 40%; vertical-align: top;">
              <div>Title: EVP/HR Director<br>
              </div>
            </td>
            <td colspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 40%; vertical-align: top;">&#160;</td>
            <td colspan="1" rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 50%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 40%; vertical-align: top;">&#160;</td>
            <td colspan="1" rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
          </tr>

      </table>
      <div> <br>
      </div>
      <div> <br>
      </div>
      <div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
